Bed Studio Won't Refund My Money Back

I made a laybye in Dec 2023 , soon lost my job in Jan 2024 . I have been asking for my refund. Jean at the store in Nicolway has done nothing but give me excuses why I needed to wait for my refund . Sharlene from the finance department has given me nothing but empty promises to wait . At first my refund was deposited then they asked for my cell phone number to do an E wallet . And now they cannot help . Only the business owner has my refund and I have no way on contacting him nor do they know when the business owner will issue my refund .