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Depends if it has a chuck key or is hand tightened. I'll assume it is a drill screwdriver with no key.
Above the trigger is a slide which dictates whether the chuck goes clockwise or anticlockwise. Push this to the mid position which locks the chuck. Now you can insert the drill or screwdriver bit and lock the chuck by turning it clockwise.
In your kit, you will find some collets to hold the smaller bits. Unscrew the cap, insert the collet and replace the cap. Inset the smaller bit and tighten the cap. The collets have slots cut into them so they can tighten down on the bit.
Go to Amazon and do a search for "dremel drill chucks". There are a variety of models that will close down to '0' to allow use of bits as small as #80. Make sure and look at the low end capacity and make sure it will go small enough for the size bit you want to use. I have used to #4486 to use micro drill bits but it is not rated to go that small and can cause wobble and break the bit if not very careful. They are pretty cheap so you can try a couple different models even.
If a large enough drill bit is inserted too far so it bottoms in the chuck, the jaws run into the bottomed shank and will not close beyond a certain point due to the interference. If you hold the drill bit out about 1/2 inch from the bottom, the jaws should close on the bit. I assume you have tested the chuck without a bit to verify they can close.
could be a couple things, the chuck retainingn screw in the center might have loosened up jamming the jaws when trying to close. Open the jaws all the way and tighten the screw, it is left hand thread. Or the chuck itself is damaged and depending on how little use might be covered under their warranty. I would check the screw first.
Try the drill at slow speed without any drill bit in the chuck.
Look closely to see if the chuck wobbles off centre whilst holding the drill firmly.
If it does then there is a good chance that the chuck is loose from the body.
If it seems ok then next close the chuck (tighten it closed) to see if all the 3 jaws are lining up ok and open it again to see if the jaws retract back down the chuck smoothly. (jaws are the small parts inside the chuck that grip the drill bit)
If the chuck it seems loose then you can use a long allan key to tighten it up which is inside the chuck.
If the jaws do not operate properly then i would suggest taking the drill back to b&q for them to fix, or replace the tool as it should still be under warranty.
Turn the "chuck" (the round part that the drill bit goes into) with your hand until it is snug, then use the chuck key to tighten it the rest of the way. The chuck key should be strapped to the cord of the drill. It looks like a gear and has a "T" handle for turning it. It fits into the gear teeth on the chuck.