Bank, insurance, utilities
The cost is never in the sentence they say out loud.
“It’s free for the first year” is a complete sentence. It is not the whole answer.
The situation
An account, a policy, a tariff. Someone reads you the good part over the phone, and the part that decides what you pay in month thirteen is in the terms you were emailed.
How the session is set up
The terms and the tariff sheet, attached to the session.
Session instruction
For everything I am being offered, name the fees, the notice period and what changes after the introductory period, using the attached terms. Flag anything said on the call that the documents do not support.
During the call
The second-year price, said out loud while you can still say no.
Every part of this is described in Start a session and The conversation window.