Don't buy on MobiCred

I opened my account a year ago, paid every month, and then saved up to settle it in full. I requested a full settlement statement, which I paid promptly. Since then, I have asked four separate times for the account closure form, as required in the contract, but I have not received anything. When I logged into my account to check the status, it still shows that I owe over R4 000 despite having settled the full amount. I am now moving banks just to avoid MobiCred as I receive no communication and there is no phone number. At this point, it seems the reviews were right — be cautious.