Still no refund

I bought a 9ct gold bracelet as a christmas gift for my husband. However, we decided to take it back for a refund. As per terms and conditions at the back of the slip, goods should be returned within 10 days of purchase, which we did. We returned the bracelet to nwj the glen store on the 31st december. I was advised that as i used a cheque card to purchase the bracelet i had to complete a refund form which would be sent to head office for approval. I still have not received any feedback or a refund. I called the call centre and was advised that i need to speak to the store where i purchased the bracelet. I called the store and was advised by the manager that refunds are done on Thursdays. Still i have not received my money. How long does it take to get my money back??? I need a response asap....