Overcharged

Please do not ever sign up for a revolving loan with woolworths. They offered me a R10 000 loan over a period of 48 months and I was told the instalments will be R451 pm. They sent me a statement stating my first installment to be R1968, 61. When I ask why the instalment is so high I was told it includes the initiation fee of R1200, first installment of R451 and interest rate. To my knowledge the R451 installment over 48 months included all costs. I don’t afford the first debit order they want to take off my account and I am advised to pay whatever amount I afford in store however I will be in arrears. This is so stressful and it will affect my credit rating. I wish I was told all these in the beginning