Reliance Digital — non-refund of instalment under hdfc loan scheme

I purchased a sony soundbar from the reliance digital store at ambience mall gurgaon thorough finance option by hdfc bank on 05 nov 19 on a down payment of rs 472.50 by credit card. Hdfc loan account number is 465246. There is a monthly instalment of rs 3166 that is being autodebited from my account since that date. It was promised that an amount of rs 3166 would be credited back to my account as a refund after the payment of the third instalment. So far the refund has not materialised. I got the contact of the person who had sold me the soundbar and he promised to resolve the issue with the hdfc person on duty at the counter there. However, there has been no feedback from that end, either because of covid or whatever. I contacted that person again today and he promised to revert. Again, no feedback and now he is not taking any more calls.

I have seen some more complaints related to purchase from reliance digital as regards non receipt of refund. I don't know if this is the standard operating procedure at reliance digital.