TFG/FINRITE - why is it so easy to take out insurance but too difficult to cancel it.

I am trying to get the cellphone insure premiums cancelled but to no avail.

I have about 4 cellphone insurances (of which i don't even have the phones anymore ) and even though I pay the installments every month it still seems as if this account just never gets less.

I've been into Totalsports at Access Park in Kenilworth - but even your staff can't get through...and then I'm told that it would be easier to do it from a store that has a cell phone counter.

The Finrite office hours are ridiculous because by the time you get to a store the Finrite offices are done. and to call from my cellphone takes too long - because you hold on for ages...

I want the insurances cancelled IMMEDIATELY...