Consumer Redressal

I had Purchased a Lenovo Essential G585 (59-348619) Laptop from snapdeal on 27 january 2015 for Rs 27389, on EMI basis from My creditcard of HDFC bank. On 31 January 2014, I got a mail from Snapdeal that my Laptop vendor is changed from Mumbai to Ludhiana as the product is not available earlier vendor and the product will be shipped on 4 feb 15 earlier it has be shipped on 31 jan 15, On 5 Feb 15 I enquir with the customer care of snapdeal I got to know that the new vendor from Ludhiana also don't have the laptop and they are going to cancel my order and refund my amount with in next 10-15 days. My problem is that now my money is stuck with snapdeal so I cannot purchase another laptop and Since I have purchased laptop on EMI from credit card so Bank is charging me EMI interest which I had been charged for 1st month and if they are going to refund me the amount in that case EMI preclouser charge is levied on me total i have to pay rs 1000 (approx)excess on my money