Poor refund policy only benefits the store

I went to the store at Soshanguve Crossing to refund a layby I was told to cancel it they will deduct 1% and they can't give me cash I would have to buy an item in the store with the money, this was my first and last time doing a layby with them their rules are obscured they good at taking money but can't refund if you no longer want their product, I have never come across a store that does not refund items, you are forced to take their items even if you ko longer want them.