Why is it that Farmers seem to be possibly the most annoying company and store in New Zealand?

They seem to have the most draconian returns policy on the worst quality products of... anywhere.

For example, just today they tried shaft us by saying that they couldn't give us a cash refund on something we bought from there that were obviously of low quality and broke (if you need to know, it was a TV). They said that they could give us vouchers (we paid cash) or refund it to a Farmers card (which we don't have). I thought that this was ridiculous and I had it out with the person behind the counter. I never did get my cash refund - they said they'd talk to a manager (who wasn't there) and see what they could do.

What's more, is that a few months ago we were in Farmers and another person who was in front of us in the line was talking to the sales-cheater behind the counter and said that she'd bought a bra in Mount Manganui (can't remember why she brought it back -  a real reason not just 'I don't like it'). Farmers said they couldn't refund, return or exchange because it hadn't been purchased at the Rotorua store. They said that the lady would have to go to Mount Manganui just to return a bra.

Is it just me or is Farmers really the most ridiculous, overpriced, underserviced, draconaian company in New Zealand? The Warehouse (which being the cheap store I might expect to have the worst service) is easier to deal with. As is Briscoes, Noel Leeming, Bond and Bond, Harvey Norman, and just about every other company.