Circum Navigation — refund processing fee

Hello

I have paid circum navigation about 95000 rs. After taking up ielts in which i secured 7 band score in all three modules except 6 in reading, circum is telling me to take up exam again and score 7 band score in all four modules. I cannot take up exam again bcz i have already spent 30000 rs extra apart i from paying 95000 rs to circum. Now i don't have any money and i don't want to continue with pr process. And i have requested circum to refund the amount but circum is not ready to refund the amount. I have the invoices which says money is refundable.
It is absolute injustice to keep all the money without doing anything and they have petty reasons like the policy doesn't allow them to refund. Is there any value for the hard earned money??. This money is my only savings till date in my 6years of work life.
I requested them, i begged them, i demanded them, but it's of no use and they seem to be stone hearted without any humanity.
It's absolute disgrace to have such fraud companies in our country and loot people's money.
I request anybody in this community to look into this issue and help me getting my money back