I'm sorry your T was so awful to you, turquoisesea. All the Ts I have seen have a 24 hour cancellation policy. Once we had to cancel my daughter's appointment with only 22 hours and she made us pay full fee. However, what really bothered me about your T is that she only allows you to be 15 minutes late. So what is you're 20 minutes late? It's your time you've wasted and T still gets paid, even if your appointment is 20 minutes shorter. That policy seems excessively punitive to me. Same as refusing to talk to you on the phone during the time you are paying for. You have a right to that time if she is charging you, in fact, I think she is being unethical to charge you but refuse to talk during that time (except about rescheduling). If she's going to charge you, that time is yours.

I wouldn't go back.