Don't By Mass Effect 2 from PSN

I have had real problems with getting Mass Effect 2 to download from PSN (I downloaded it 4 times and it failed every time, which cost me $50 for bandwidth). Over the last 2 weeks I have made many phone calls trying unsuccessfully to get a refund for the purchase to my credit card so I can go and buy Mass Effect 2 from the store. Today I got this email.

Hi 

We only provide refunds to the wallet.
As per our Terms of Service "If we are liable to you for failure to deliver content or services, our liability is limited either to re-providing the relevant content or service or (at our option) refunding the amount you paid for the content or service to your PSN wallet." 

Regards
Maddalena

It looks like I am not getting Mass Effect 2 after all, and I have $100 of PSN credit I don't want to use.

Thanks for nothing Sony!