Terrible Service

11 months ago I decided to go to Russell's to buy a fridge and stove. I spoke to a salesman and I took out a 30 month contract. I was coerced in signing lots of documents. As I needed a stove and fridge urgently ,I just signed the documents. Every month after that I noticed that I was paying my instalment(which I agreed to).I was also paying a club fee(R21.95),Goods insurance(R72.67) and for life insurance(R127.08) which I cant remember agreeing to. Today I decided to call them up and spoke to a gentleman by the name of Meli Chuthaa who was absolutely rude and arrogant. I asked him to cancel the club fee, goods insurance and life insurance as I didn't need it.He spoke to me to me very rudely and informed that sorry I Cant cancel as I need to show them proof that I have a goods insurance and life insurance in order to cancel. What nonsense! if I want to cancel these to insurances surely I have a right to cancel. He responded that I haven't said anything in 11 months ,why am I phoning now. This guy should never be in customer service. He was rude and unhelpfull.Please can someone explain to me why I cant cancel these insurances as I think that as a customer I do have a right