Ackermans refund policy contradicts with their terms and conditions

when creating a layby at ackermans you sign to agree to certain terms - one of which is in exact wording: This agreement may be terminated by the purchaser at any time prior to the expiry date, whereby Ackermans will refund the money already paid in full yet in the meanwhile: after going to the store to cancel the layby - they refuse a refund saying that thats not how their system works - you have to wait for the layby to expire then they give a gift card. Phoned ackermans call centre - spoke to a few people who confirm the exact same thing - phoned again after a few attempts to speak to someone in management who then tells me to go back to the store and insist to speak to a manager there as they have to give a refund. When i questioned that all the call center staff all confirmed they dont do a layby yet the ackermans website and slips all say that you will get refunded in full to what you paid she contradicts herself saying that if he doesnt do a refund he must phone and explain to his district manager why not and telling me all about the procedure they will follow to reprimand ... no solution to my problem when all i need is to have money refunded and not staff reprimanded