Mobicred (Takealot credit) misrepresented the repayment period

I purchased an item on Takealot using Mobicred (Takealot credit). They advertise "pay only XYZ for 12 months" - but what they don't tell you, is that they will be taking money from your account indefinitely. There is no end date to the agreement, so the repayment period isn't 12 months. They will charge you the minimum repayment until kingdom come so they can keep taking monthly fees and hidden costs from you. Major misrepresentation to the consumer. This is going straight to the FAIS ombudsman.