Are there any circumstances where the law says I can change my mind?

Yes - in certain cases; where you have signed a contract away from business premises e.g. at home, you may have a cooling-off period during which you can change your mind. In the case of a credit agreement signed away from business premises, you usually have a five day period to cancel. In the case of a contract made at your home following an unsolicited visit from the trader you usually have seven days to cancel. However, if a trader provides a service during the cooling-off period, you may have to pay for the work carried out.