High cancellation fee

I requested the above company to cancel my contract because i was not happy with it and i could no longer afford to pay for it. I first sent an email on the 19 November 2015 advising them that i want to cancel the contract but i did not get any feedback. On the 18 January 2016 i sent them another email requesting the same thing and they responded and advised be that someone will contact me.<br> <br> I eventually contacted them today because i wanted this matter to be dealt with as soon as possible. They said that if i bring the cellphone back and cancel my contract i will have to pay a cancellation fee of R6 400.63 which is all most the amount of the full contract if i have to not cancel it. What exactly am i paying for? because i will no longer be using their services and the phone will be sent back to them!! Customer Protection Act states that its the customers right to cancel the contract if they can no longer pay for it. And the cancellation fee is ridiculous and Im not going to pay for it because they just trying to get a way for me to not cancel their contract, never again will i use their services!!!