I need explanation from Pay Joy for returning the phone and charges

On 12-10-2026 Monday I went at Markham 's store in Middestad Mall (Bellville) where there is Pay Joy,I got helped by the guy called Brian.It took me more than 2 hours to helped by the guy and he never explained to me everything because he was busy assisting or signing other costomers as well what I noticed he is that kind of a person who want to help more than one person at the same time even the phone I got there was not finished to be to be updated software,I couldn't do anything with the phone but he told everything is working but when I got home the phone was not working it was only showing Pay Joy weekly payment I was not even able to go to apps basically I did not do anything with the phone not even to put my *** because it was like a blocked phone so Tuesday the 13-10-2026 I returned the phone because my wife was not pleased with this and also because I did not tell her that I will go to get myself a phone since my phone was ******,I returned the phone the next day but unfortunately Brian was not there they said he is on leave I spoke with another lady from Pay Joy which at first she was refusing to help me she refered me to other people at the store and these people also said I should talk to her,as soon as I mentioned I dont want this phone anymore she got angry with me and I can say she was rude to me telling my reason is not valid and Pay Joy does not own the phone it belongs to TFG,she and other TFG employees were telling me I am not allowed to return this phone I can only return it if it has a problem within 7days there were refusing to take it back until the manager intervene by telling her to call Pay Joy headoffice,she called and spoke with someone then she gave the phone to me to explain which I 've done so the person I spoke to understand my reason and told me the money I pay upfront I'm going to lose it which was something I did not understand but because I was tired arguing I agreed then i gave back the phone to Pay Joy lady at the store after she hungup she still told me my reason is not valid I told her to call the office again if my reason is not valid and I told her I was told about the money that Im not going to get back,after that she was busy on her tablet telling me she is on whatsap with Pay Joy people because thats what she was told by the person we spoke to.after that she said Py Joy said in order to take the phone back I also need to pay the first installment on top of the amount that was not told I'm not going to refunded I want to know to Pay Joy why should I pay first installment for the phone I did not use and at the store they saw the mistake was done by the guy Brian for not finish to update the software and the manager even appologise to me,there way I was treated by your employee and TFG employees I am really not happy that is the reason I'm writting this at this time I cannot stop thinking of what have happened to me yesterday at the store,I was humiliated there in front of the customers. From Thobani