THEY DONT WANT TO REFUND MY LAY BY!!!! THEIVES !!!!

I DID A LAY BY AT STUDIO 88 PHOENIX PLAZA. I COULDNT AFFORD TO PAY IT NEITHER WAS MY LAY BY EXPIRED SO I THEN WENT TO CANCEL MY LAY BY AND I DEALT WITH RUDE PEOPLE SAYING THAT I CAN NOT. THE MANAGER OF THE PHOENIX PLAZA BRANCH THEN TOLD ME I NEEDED TO TAKE SOMETHING ELSE FOR THE VALUE OF THE LAY BY PAID AND I SAID I COULDNT BECAUSE I WANTED MY MONEY BACK. I STOOD THERE EXPLAINING TO THE MANAGER AND READING WHAT THE LAY BY SLIP SAID ABOUT REFUNDS AND HE DENIED IT AND SO I REPEATEDLY ASKED THE MANAGER IF MY MONEY IS NOW FORFEITED SINCE HE DOES NOT WANT TO REFUND IT AND HE DIDNT GIVE ME AN ANSWER UNTIL I GOT FRUSTRATED AND ASKED HIM TO ANSWER ME AND I WAS THEN TOLD MY MONEY IS FORFEITED. THERES SO MANY BAD REVIEWS ABOUT THIS STORE HENCE WHY THEY DO NOT GET ANY SALES DUE TO THEIR SNEAKY WAYS AND LIES. I WANT THE REGIONAL MANAGER TO CONTACT ME BEFORE THIS IS TAKEN UP!!!!!!