STILL WAITING MY REFUND SINCE NOVEMBER 2014

early 2014 i did a laybye at sterns benoni of wedding rings and i paid in R2500 deposit , however in November last year i decided to cancel the laybye because my husband bought other rings , i went to sterns to cancel the laybye i was told that a 10% fee will be taken off my deposit , which was fine by me, i gave them all the details that they needed as they said they will deposit the money . but till this day i havent recieved my money , whenever i call the area manager whom i was told she is the one who was supposed to authorise my refund she takes me from pillar to post , i realy dont know what to do now, STERN, TFG , CAN I PLEASE HAVE MY MONEY .