Is my D3100 Faulty? Or could it be user error?

Recently purchased a Brand New Nikon D3100 but I'm having problems taking photos; could it be faulty?
I have followed the set up instructions as far as I can see but I just get totally black images… And yes I have taken the lens cap off! I have re formatted my 4 GB sd card and get the same result. The video viewfinder doesn't display an image either? BUt icons are displayed. Could there be a fault or is it user error? New to DSLRs so not sure if it is something I'm doing. Or whether the settings are correct. I have the same problem taking stills and video. Any suggestions would be greatly appreciated. Thanks.

Added (1). Having messed around with various settings… E.g Aperture f 5, 6, ISO2800 with flash on & off. 55mm zoom. Even on Auto mode. Both indoors and outdoors in full sunlight I still get a totally black image.

Added (2). As suggested below. All auto settings on and picture of a car taken in full sunlight with sun behind me. Totally black images. Complaint lodged with Nikon and photos attached. Really hope I can get it sorted soon. Not amused.

Are you using the cameras light meter?

Here is how you are supposed to use the cameras controls.

http://camerasim.com/slr-camera-explained/

Black or "dark" images indicate gross underexposure.

Set camera to Auto mode, Auto ISO, Auto white balance, EV to 0 (zero), AF on then step outside and look for a brightly colored car parked under the sun. Stand 10 feet away from the car and take a picture. If that does not come out right, return the camera to the store and demand a replacement.

Probable camera fault, if the linked thread is anything to go by.