Instacred — Refund of Cancelled Order Not Received

Website: instacred.me/buy

1. A Myntra purchase through 'card less EMI' via InstaCred led to the opening of a personal loan account in my name without my consent.
2. To cancel this loan I cancelled the order. The amount was refunded to Instacred by Myntra
3. Instacred is yet to process this refund and send it to the loan account, as Bank of Baroda officials are unable to see any credit amount reflected in the loan account.
4. Absolutely shoddy customer service, with no point of contact just an email feeding you the same line over and over. They are unwilling to provide any transaction details that would prove that they have processed the refund.
5. Now I have to pay emis for a purchase that I have not even made.