Bad service

I need assistance please advise...

In October 2021 I did a lay-bye for a washing machine and I have been making regular payments so this month was the last payment.

I went to one of the Ok Furniture stores beginning of this month and was advised there is still an outstanding balance of which when I did my calculations it showed that I even over-paid by R121.00 and that they owed me.

I then went to the branch where I did this lay-bye and was advised that payment needs to be allocated which I did the running around for but luckily that was sorted...back at the branch I'm now being told the machine is out of stock even from the warehouse itself,I need to either get something of the same value or get a refund. I chose the refund option but now I'm being told that I need to wait till there's cash available in store which is ****ing me off.

What I need to know is,is there a consumer right that I can perhaps claim my money back as they also advised they don't do any bank transfers it's only cash?