No refund of my money

<p>I have been paying more every month to get my installment done. Over paid by a few months, not realising it, after a few months I realized I should of stopped paying long ago. I phone to ask for the credit on my account was told I had a credit, do i want to place an order or should they refund? they took my banking details. Said 7-10 working days. That's long gone. I still did not receive my money back. When I phone they have excuses like the refund is with their legal department! Why? When they want their monies they constantly phone you to pay, but now i want my money it is with their legal department and they do not know how long it will take? I will never buy from them ever again.</p>