MakeMyTrip India — mmt is refusing to refund cancellation amount

I had made a hotel booking (Nh[protected] on mmt in january for may. The hotel has cancelled the booking due to covid. I had to chase mmt to get my amount refunded as they were constantly making excuses saying the hotel is to blame. When i spoke to the hotel in london they said they have refunded the amount already. Finally after a lot of follow up mmt said they are processing the refund but point blank refused to refund the amount to my card and said that they can only transfer it to my wallet. They have no business to do this. They are forcefully holding people’s money. Subsequent to that i have made 2 travel bookings for travel on 27th may and 3rd june (Nf[protected] and nh[protected]). Both times the airlines have cancelled bookings and until now (2 months later) i have not got my refund. Plus they have informed me that an amount of 580 + x amount respectively will be deducted by them towards some transaction charges. They have already charged me at the time of booking & are again charging a fee. This is unethical!!!