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Wrong grammar. You should ask, "Has anyone received the refund?" or "Refunded yet?" Already should not be used when asking questions unless you are expressing surprise.
You should also not say, "You using Maybank?". You should say "Are you using Maybank?" This will make you sound more native and gain respect
Schooling is a very awkward word to use in your context. It is not natural and doesn't seem quite right. You may say "This is not a classroom" instead.