Refund

Hi it's Thembi Skosana,please help me I have a Laybye on this shop called Designer Concepts in Alberton...they moved to Alberton due to the looting...now I I can't continue paying my laybe it's too far I made my Laybye while there were in Soweto....now they don't want to refund me my money is it my fault that they moved as they asked me to come to the shop to buy something with that money because they don't do refunds or they will be changing me 15% an R150 handling fee, Can I please get my money back...which is R500