poor quality of goods and poor customer service

purchased a 5 piece sheet set in july 2015, 1st i was told i could not return. after complaining on hello peter i was contacted and goods were returned. I provided homechoice with proof of delivery and statement showing cost paid. i was supp**** with a new sheet set, but not reimbursed for courier. now the 2nd set is also defective, i returned and have confirmation that goods were received . today i followed up on my credit and was told I have to wait 10 days. I'm highly frustrated because if i am a day late with payment to homechoice my phone will not stop ringing. no one can commit to when payment will be done to my bank account