refund on cancelled order

I had a laybye of an iPhone XR at Cellucity via layup and had missed payments, when i log on my account the purchase has been cancelled, when i request a refund i am told i will not get a refund as the 14 days cancellation period has expired. I never got any communication that i will forfeit the deposit. It only says you will get penalized and now i am not getting a cent back from the deposit i paid for the phone