Six month delay on return of laptop

I bought a laptop last year late 2019. This year during March the laptop stopped working ;it didn't want to switch on. I reported to FoneChoice and they collected it in May. They asked me to pay the access fee because the laptop was insured and they deducted the access amount from my salary. Till now, the laptop hasn't come back; I keep on phoning them asking them about it and they always say it's still in the workshop. I had to buy a new laptop for my daughter because they didn't give me a replacement but they are still deducting everything for installment because it was bought on credit. The name of the laptop is Prestigio.