I want my refund

I bought a bed online, paid with my cheque card but i was then called 4 days after to be told that there is no stock of the bed(why take my money when you have not verified whether you have stock or not, your IT department is useless because that should be possible to check online). I then consulted my wife who then advised that i should ask for a refund and buy a bed somewhere else as she was not happy with waiting 2 weeks. I called the virtual store call centre and asked for refund and i was told that it will take up to 5 days to pay the money back to my 'Credit Card'. There is a huge difference between a credit card and cheque card from what i know and you cannot pay directly to a cheque card as the card is linked to a normal account. The lady kept aruing with me and to my surprise i received an sms thanking me for making payment to Dial A Bed. Just to summarise, please make sure that my money is paid to my account by close of business tomorrow. Please also educate your stuff of the difference between a cheque and a credit card, YOU CANNOT PAY DIRECTLY TO A CHEQUE CARD.