3.5 months and still don't know when I will get my funds back

I buy often from builders, and with two of my orders items that showed in stock actually weren't. I asked the two different branches to refund and this was the process. Tygerberg: Asked me for my banking details to do an eft and then proceeded to do a cash deposit which cost me money. Northgate: Since the purchase date of 17 August I hadn't received the funds so I contacted the info email address and I was informed on 13 October that the money was refunded to my credit card and to date this hasn't happened. Been chatting to several people from Builders on their help desk and in store and NO ONE seems to know how to get me my money back. I was informed the branch would contact me but no one has, and I now get a call every 3 days from the Builders Customer Centre Agent who doesn't have any answers and this process continues to drag on. Should the process be this complicated? Or do builders warehouse not care about giving back their money? If only I could bill for the time lost and frustration, and maybe for the tools I hired, which I could have bought had I got the money back!