Help needed!!!

Hi, I purchased a bed from a well known company back in August 2020, with 4 years interest free credit. Fast forward 2 years, the item has not fulfilled it's sustainability within that 4 years. I was unfortunately just out of the 2 year guarantee, but the company offered to replace the part that had broken as a good will gesture. However, they then said they were unable to replace the single part, that and were going to send full a replacement. After numerous failed call backs and phone calls made by me to them, they said they can't replace it at all and offered me £100 credit note. As this item is on finance, i am now still paying for the item that i no longer have/can use, and i am still within the credit agreement. Am i able to request a full refund of the item as it hasn't been reliable after only having it for 2 years until it broke? What is the best thing i can do? 

Many Thanks! 


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