It's all published online, people should take a few minutes to do a little reading before making the phone call. Failing that, the cooling-off period allows more time to familiarise yourself with all the terms that apply and cancel if you're not happy with them. If you fail to take either of those opportunities to educate yourself on a contract you freely entered into, there's only one party to blame.The T & C are read out to you over the phone, it's impossible to remember it all or study it, how can you follow it for cancellation etc?