Ibibo Group / Goibibo — Refund not initiated-last 3 months refund not received

I booked two international flight tickets from Goibibo (round trip) for me and my husband on **th February, ****. My date of journey was **rd May, **** and the return flight was on **th May, ****. Due to Covid** lockdown, both the flights were cancelled by respective airlines assuring us of getting a full refund. On contacting the airlines, they confirmed that they had already processed a cash refund of both the flights to the concerned travel agency (Goibibo). However, my repeated attempts of getting in touch with Goibibo through email, chat bot, social media etc. have only resulted in negative or no response at all. By following them on Twitter, I found out that several people have the same complaint as mine and Goibibo gives the same general automated reply to everybody. In addition to this, they are unwilling to refund in cash and instead they are forcing me to take the refund in the form of a credit shell. In these difficult times, I want nothing more than my own money in my original account. I have no plans of travelling in the near future owing to the pandemic situation so the credit shell amount will be simply wasted. Hence, they are taking advantage of my situation and blocking my money without my consent. They are blaming the airlines for not refunding the cash and instead giving it in the form a credit shell. But I have written information from the airlines saying it's just the opposite. I am so frustrated with them. They are literally making me beg for my own money. I don't know what to do. I really need the money as soon as possible to sustain my family since I have no source of income for the last * months. Please help.