Pay Monthly contracts can run for 1, 12, 18 or 24 months. If you want to cancel before the contract runs out, you'll need to pay a charge (usually the remaining months left).
If you're finding that the payments are too high, after three months some network providers will let you lower the tariff, depending on the terms and conditions of your contract.
To cancel your mobile phone contract you need to give 30 days notice. So, find out the date when your contract ends and ring 30 days before. You can find your end date by logging into your online account or by phoning the network you have the contract with.
Once you've asked to cancel, they should give you a PAC code. PAC means Porting Authorisation Code and is the code that lets you transfer your current mobile phone number to another network.
It's always a good idea to ask your network provider for written confirmation of the termination of your contract. When cancelling, take the advisor's name or contact details, followed by the date and time you phoned them.
If you're still happy with your network provider, you can either continue with the contract you have on a monthly 30 day rolling contract or you can choose to renew it. When you renew, you're usually offered another contract with a new phone or you can ask for a lower tariff, more minutes, texts or data.