Homechoice... Think twice before joining

My fiancee opened a homechoice account in February, she purchased a few things and thought all is well. We heard some rumours so we co tacted homechoice for clarity. So you agree to pay an instalment as advertised for a specific duration...BUT that's not how it works, you will pay monthly even past the agreed period and in order to stop you need to ask for a settlement. So basically you will continue to pay for as long as possible until you as for a settlement, the consultant even said they having complaints of this everyday but no action is taken. False advertising cause not even the T&C's we got said anything about this. We reporting them now to the credit ombudsman as this is not acceptable