Hi there I purchased a Samsung Fridge / Freezer in October 2010 through Laskys. I paid for it using my M&S Credit card. About 6 months ago, I noticed that the internal white plastic at the back of the fridge had developed a number of cracks, some hairline in nature, others about 3/4 mm wide. Looks like old, cracking paint does. As Laskys (part of Comet) is now bankrupt, I contacted Samsung. They informed me that the fridge was out of warranty and they would not repair it. They referred me to an authorised repairer, but I opted not to go down this route as the repair would probably cost more than a new fridge considering the whole plastic interior would have to be replaced. After a recent TV program regarding faulty goods and how long they should last, I decided to contact my credit card provider and see what they have to say. No point in going after Laskys in this case. M&S have now sent me a letter about my claim under Section 75 of the Consumer Credit Act. They state that in order to make a claim, the onus lies with me to prove that there is a manufacturing defect with the product and they want me to provide an independent inspection report. Having spoken to a few companies, it looks like such a report is going to cost in the region of £150. As the type of damage is clearly a manufacturing defect or material failure, do I need to have the report done and who pays for it? Is the bank trying to make things difficult in the hope that I go away. Advice on next steps would be appreciated.