Not sure where this should go due to the nature of the problem.

Back in January, I placed an order with Rock laptops for a laptop. I decided to go through the finance route (buy now pay in 9 months) because of the price (around £2300). I applied for the finance, which was accepted. The company was V12 finance.

After months of waiting for parts etc (I wasn't the only one), around March/April, Rock were offering Blu-Ray drive upgrade which I paid for via the credit card (Capital One). I was due to receive the laptop at the beginning of April. However, because of an error by Rock, the laptop couldn't be delivered as promised. I decided I had enough of waiting and decided to cancel.

My April credit card statement showed the money paid to the finance company as well as the £120 paid for the Blu-Ray upgrade. However, it showed no refunds. I rang Rock at the weekend to be told that I needed to talk to the accounts dept. which would call me back on Tuesday.

Today, I find out that Rock have gone into administration.

I owe the finance company £1800 (they took some money as deposit) and Rock owes me the £120.

How can I sort things out? I guess I should be to claim the £120 from the credit card company but what do I do about the £1800? Rock told me they had cancelled the finance agreement but I received a statement from the finance company about the £1800.

I'm going to contact both Rock and the finance company tomorrow but feel I need to be prepared in advance. Am I supposed to recover the £1800 or is the finance company supposed to recover it from Rock? Is there anything I should know or do when I speak to them tomorrow?

Please help!