Worst Service Ever Received

My mom bought a ring on the 31st of December. 10 days later, 2 of the diamonds fell out. now we want a refund on the product but after phoning and visiting every branch in the east rand, not 1 of them has money on the premises to refund her. i was told that the store will be able to do an eft refund but now according to the store, they cannot do a refund if you paid with a debit card.

phoned the head office, they transferred me several times to the claims department, just to have the phone put down in my ear without ANY assistance.....