laybye refund

I had 3 laybyes,and the 1 in full.I wanted to 2 refund the 2 laybyes and buy items from the last 1.I was told that the refund money will be on a gift card,and that I won't be able to make laybyes again if I refund them.I lost the slip of the last laybye and the manager told me that he can't refund,that I have to pay it and then he could refund me in cash the difference.when I made the payment he changed he's story and told that he's will put the money on a gift card.I told him that its unacceptable,he then refunded me in cash.After a few days I was informed from a confidential source that my I'd copy is displayed in the office,and that I'm not allowed to make laybyes again.I'm treated like a ********,and according to the policy of Ack you are allowed to refund your laybye and receive all the cash that you payed on it.I'm really dissapointed because I'm a loyal customer for years,and many of my friends and family members had the same complaints about the manager.Its unacceptable!!!!