I made a police report. Did not report to case. The guy even 'challenged' me to report to case. I believed that there's a limit to what CASE can do. I called up the bank to halt the payment to the merchant and as I had a police report in hand, they (the bank) could halt, but just for a number of days while we were advised to settle it with the merchant (Casa Culture). Of course, Casa Culture wouldn't budge, and said that we will not be entitled to full refund. Thank god that we signed up for 0% instalment (that means, they will get a full payment from the bank), I guessed that makes it easier for us to get the money back. I told the manager of the bank our side of the story and she called back a few minutes later that she will 'cancel' our transaction. as soon as she canceled our transaction, we went back to the shop for them to 'void' the invoice. I think for us, luck play a part as well.