Refund.

I bought and item that was R201,and used a voucher of R100,then total was R176,which I paid through payflex and 1st payment was 58.66,returned the item after 2 days,takealot refunded R101,but i did not get refunded my money by payflex.i was even charged a second installment..told that total amount is more then the refund amount,which is obvious as I returned after 1st installment so why shud I still pay..daylight ******* you still taking money for items returned.