Birthday present from Hell

On the 30th of July I made an online purchase as my birthday present from Ribbons Collection(a pair of shoes) using Mobicred, I was told by the merchant that I'd have to endure a longer than normal waiting period as the shoes were handmade, which was understandable, but it started getting suspicious when the merchant failed to deliver on the promised date. Being anxious to get my desired present I decided to keep giving the merchant chances to redeem themselves and supply what I had ordered, something which Ribbons Collection failed drastically to do notwithstanding all their promises made to me. In the end I realized for Mobicred to be listed as payment avenue for the merchant, they ought to have done some background checks to deem the merchant legit and safe for dealings with their clients, of whom I was one who had become frustrated, imagine paying a debt for something you were continuously getting the pointless run-around for. I contacted Mobicred and started leasing with Faith Xosa *** and Natasja Maloney: *** From that timMobicred merchants department started communicate with the SP to expedite the long overdue services I was paying Mobicred for. It finally seemed the ********* SP in Ribbons Collection were getting the message but to my horror after 5 months of frustrating waiting and ggoose chasing, the wrong shoe was delivered and Mobicred tells me I can't get my money back, nor the right shoes; meaning I must continue to painfully pay a debt for a birthday present I did not buy myself.SP contact: *** To add salt to injury mu bank has told me I cannot reverse the payments since Mobicred protects themselves more than they do their clients, by a something called debit cheque which restricts debit reversals