Hanging Up on Early-Exit Fees

   
 
One of the most common Questions I still do get from nay persons is how do I break a contract for breach of services.. http://thenonconformer.wordpress.com/2008/04/27/basic-contract-law/
 
“Hanging Up on Early-Exit Fees Regulators and courts are taking aim at early-cancellation penalties charged by carriers such as AT&T, Verizon, and DirecTV
 
There may be 50 ways to leave your wireless carrier. Just don’t do it before your contract is up—or you’ll be forced to pay a fat early-termination fee. That’s the lot facing most U.S. consumers of communications services, from mobile calling to cable TV to high-speed Internet access.  Consider the subscriber who wants to end a DirecTV (DTV) service contract and has to pay $20 a month for the remainder of the term. Breaking a wireless services contract can cost as much as $175. It’s a big reason why few people switch communications providers. At satellite TV company DirecTV, only 1.42% of customers close their accounts each month. Even Sprint Nextel (S), with one of the highest customer defection rates in the wireless industry, loses a mere 2.45% of its customer base in a month.
 
A prorated approach? But in a move that could make it easier for customers to drop phone or satellite providers, early termination penalties are coming under new fire from federal regulators, legislators, and courts. The Federal Communications Commission (FCC) has scheduled a hearing for June 12 to consider potential restrictions on the penalties. And even if the FCC doesn’t act to rein them in, Congress is mulling legislation that would.
 
Cable and phone companies, which spend hundreds of dollars on advertising and promotions to sign up each new subscriber, fear they’ll have a harder time recouping that investment if the penalties are diminished too far. And exit penalties exist worldwide: European telco Vodafone (VOD) requires subscribers to pay their monthly fees for the duration of wireless contracts, even if they don’t use the phone.
FCC Chairman Kevin Martin has suggested that the commission may require service providers to prorate penalties through the life of a contract, so that the longer a customer stays, the lower the fee. The agency may also require that buyers be allowed to drop a service such as a new cell phone contract without penalty within 30 days of purchase. “Certainly carriers may be able to recover legitimate out-of-pocket expenses and costs,” says FCC spokesman Robert Kenny. “On the other hand, we want to make sure this isn’t being used as an artificial means of locking consumers into a particular service provider.” A ruling to alter the allowed penalty structure could come as early as this fall, says Carol Mattey, a former FCC official who is now a managing director for consultancy Deloitte & Touche.
 
“Enormous Pressure” Congress, meanwhile, is considering several bills backed by powerful supporters, including Edward Markey (D-Mass.), chairman of the House Subcommittee on Telecommunications & the Internet, and Senator Jay Rockefeller (D-Va.). The measures, proposing conditions for wireless contracts similar to those being considered by the FCC, are already going through revisions in Congressional committees and could be passed in early 2009.  But while the FCC and Congress may impose restrictions, it’s the legal system that threatens to scratch early termination fees altogether. Courthouses from California to New York are flooded with class actions claiming that early termination fees, especially those on wireless contracts, are unfair to consumers. In a landmark ruling on May 27, the Supreme Court refused T-Mobile USA’s request to dismiss one class action based on the cellular company’s contract stipulations that all customer disputes be settled through arbitration. The decision means that all similar suits can proceed—some state courts are expected to decide cases within days—and may open the floodgates to new class actions. “I just see an explosion of lawsuits,” says Mattey. “Every week, every carrier is getting sued. It’s going to create enormous pressure.”
 
To preempt state court rulings, T-Mobile and Sprint Nextel have already announced they will start reducing early termination fees as the time remaining on a contract declines. Exact details haven’t been disclosed, though the changes are expected to take effect this year. Just two days before the Supreme Court decision, AT&T (T) announced it would reduce its $175 early termination fee by $5 per month through the life of a new contract. That matched a policy implemented last year by Verizon Wireless, which has also introduced a 30-day risk-free service trial and now allows customers to switch calling plans without starting a new contract.

Sprint’s Vulnerability The industry would rather make the changes on its own. “Early termination fees are changing based on consumer demand,” says Joe Farren, spokesperson for CTIA, The Wireless Industry Association, noting that consumers can always opt for pre-paid wireless services that don’t require contractual commitments.

But carriers’ moves may prove too little too late. Lawsuits alone could result in billions of dollars in costs and settlements, and may prompt providers to axe early termination fees altogether. “Pandora’s box is going to open up,” says Jessica Zufolo, senior policy director for telecommunications, media, and technology at Medley Global Advisors.

For an industry that has long used contracts to keep subscribers on board, elimination of termination fees could spell massive changes, such as higher churn and slimmer margins. A satellite TV company typically spends around $700 to recruit a consumer. For wireless companies, the cost of acquiring customers, including marketing and handset subsidies, is closer to $400, and it typically takes more than a year to recoup. Higher rates of switching could be especially nettlesome for Sprint Nextel, which regularly finishes near the bottom of customer satisfaction rankings. “The biggest loser, unfortunately, in this space is Sprint,” says Serge Matta, senior vice-president at ComScore (SCOR).

A Dash of Kindness An industrywide, free 30-day trial period would provide cold comfort to wireless providers. The provision would make it easier for a certain percentage of subscribers to start hopping from one provider to another to get free service. Back when long-distance companies abolished contracts, a material percentage of consumers began switching without paying their last bill, says Rich Nespola, CEO of consultancy TMNG (TMNG).

To keep subscribers, more wireless carriers might follow Verizon Wireless’s lead and begin allowing subscribers to switch to lower-priced plans without having to extend contracts. A recent survey of more than 2,000 users by ComScore showed that 19% of Americans switched to their current carrier for a better price. Carriers may also offer users more free content and other incentives to encourage them to stay. “They’d do sweet things instead of barbs,” says Richard Doherty, director at consultancy Envisioneering Group. But these treats are likely to eat into revenue and margins.

One potential beneficiary of lower termination costs: equipment manufacturers. Today, an average American replaces a cell phone every 17.7 months, vs. every 16.6 months in 2006, according to consultancy J.D. Power. That lengthening replacement cycle spells trouble for handset makers Nokia (NOK), LG, and Motorola (MOT). If early termination fees go away completely, handset sales could jump 25% in the first six months, Doherty estimates.

A downside: To preserve their margins, service providers may not subsidize the equipment as much as they do today. Sure, subsidies are becoming less common, and less of a draw for consumers willing to splash out upwards of $500 for a razzle-dazzle smart phone. But, unable to charge termination penalties, service providers may simply pass the cost to consumers as other fees.

Kharif is a senior writer for BusinessWeek.com in Portland, Ore. With Jennifer Schenker in Paris.”

http://www.businessweek.com/technology/content/jun2008/tc2008063_586218.htm?campaign_id=rss_tech

Having your ISP or others instead cancelling your services is easy.. Just continue to post on the net the truth as to what they are like.. and your services won’t be worth anything to them next, they will disconnect you gladly..”

” The ISP suppliers, Canadian corporations  now even such as Bell, or Acanac Inc. http://www.acanac.ca 1-866-281-3538  still are big unacceptable Liars who undeniably too are  clearly  guilty also of misleading, false advertising too now.. Accanac had mentioned on their internet  site that they do not cap their downloads.. but they conveniently had forgot to also say to all of the potential customers on their site that they lease their services from Bell and   that Bell itself  still regularly between 4 pm to 2 am caps their downloads.. when confronted with this they  Acanac Inc do reply  that  they do not cap their downloads but Bell does.. what an absurd misleading play on words. Mind you Acanac headquartered in Toronto did also claims that  they do provide a solution to this Capping software by means of a Putty software but unfortunately this  Acanac Inc approach is unreliable, requires continual monitoring, and is presently   more problems then what it is worth. Acanac’s support services are also non basically existent in fact, or very very inadequate, slow…So why does our pretentious , inadequate Minister of industry, Jim Prentice MP and his   useless consumer affairs department fail over and over again to look after the good interest of the consumers, but looks mainly after Big business good welfare?”

The Canadian  federal, provincial governments, the CRTC, Conservatives, Liberals  unfairly maintaining  archaic, monopolistic telecommunication firms, that are often   bloated, cost ineffective, incompetent, over staffed, un-competitively managed as well is the main reasons consumer costs falsely keep on going up now.
 

Understanding me and others better

 

Beware always of men and women, bullies, tormentors, control freaks,  persons, civil and public servants,  politicians, pastors, leaders, elders, who falsely do, will try to enslave you, oppress you, exploit you even while they claim they are proclaiming the truth, democracy, trying to help you, etc.,
 
Is 51:23 ..your tormentors {and} oppressors, those who said to you, Bow down, that we may ride {or} tread over you; and you have made your back like the ground and like the street for them to pass over.
 Colossians 3:12  Put on therefore, as the elect of God, holy and beloved, bowels of mercies, kindness, humbleness of mind, meekness, long suffering;  13  Forbearing one another, and forgiving one another, if any man have a quarrel against any: even as Christ forgave you, so also do ye. 14  And above all these things put on charity, which is the bond of perfectness.
 
Here is a tip to understanding me and others better, more easier, simply too… when some do people fight, the bullies, abusers, slanderers, liars, they next generally expect, do want, demand  the rest of us to take sides,  even in their ungodly, unholy wars amongst these undeniably unforgiving Baptists, Pentecostals, Catholics, etc., even the wars even on the net too..
 
I refuse truly to take to take any of their sides, for there is no adequate justifications for their war mongering, fights, absues, and for me they rightfully, clearly now  are both in the wrong,  and they  all firstly should repent now.They all, can  and will know we are Christians by how we love one another, not by our mere words, or our immoral acts in our doctrinal debates, disputes.
   
I rightfuly do not take any abuses quietly from anyone, by anyone.
 

This too often whole emotion-driven judgmental critical opposition sadly being seen to any revival, Pentecostal movement in any churches and that is falsely sweeping through the net is firstly more indicative of the personal agendas of the emotional posters, and them now clearly being led by Satan as well.. These Christians who themselves do denounce Pentecostals for being “emotional” tend as we all can see easily to be very , very emotional themselves about all this too.. How contradictory, and hypocritical the Emotions are wrong for Pentecostals but not for their opponents.
 
I have often rightfully said it again and again the posts of the critics tend to be more indicative of how bad the critics themselves now are, their false pride, lack of humility, their ignorance of God, His workings, and the Bible too, their own lack of love and even much more.
 
Have you not noticed how rarely both Catholics, and evangelicals, do refer specifically to the Bible, rather they like to speak their own views, opinions of other men.. interesting!
  
(2 Tim 2:25 KJV) In meekness instructing those that oppose themselves; if God peradventure will give them repentance to the acknowledging of the truth;
  
AND WHERE IN THE BIBLE DOES IT SAY TO INSULT, ABUSE, LIE ABOUT THE OTHER CHRISTIANS?
 
I HAVE BEEN RECENTLY READING AGAIN A MAJORITY OF THE CRITICS OF THE LATTER DAY REVIVALS, and too clearly their often diverting back wrongfully the topic discussions, making often personal insulting, unacceptable derogatory remarks is even THEIR typical unChristlike bulling Reponses, self righteous, a superiority attitude, and what else? is not the right approach from anyone and it does continue to reflect poorly on ALL OF THEM STILL too…
  
THE WAY THEY THEMSELVES DO UNDENIABLY POINT FINGERS AT THEIR SELF DEFINED OPPONENTS, IN A JUDGMENTAL MANNER, UNLOVING, UNKIND, UNJUSTIFIABLE MANNER IS CLEARLY THE MORE IMPORTANT ISSUE NOW TOO.
  
This personal ACT of THEIRS is also a poor example of any type of professing Christian for all to see on the net.
 
(Mat 7:16 KJV) Ye shall know them by their fruits. Do men gather grapes of thorns, or figs of thistles?
  
I too would rightfully see a sermon from even them all than hypocritically only hear it preached again from these critics.. it is time they firstly had applied the Bible for all to see.
  
Sow, show your love to others even here.. mandatory
    
One would even think this professing Christians sites are a place for a gathering of snakes, jokers, not real professing, decent, living Christians by the type of posts many write now on various topics even. If you profess to be a Christian time you acted like it still too..
  
Any Christian being plagued with critics, opponents, unsubstantiated personal attacks too now, is really nothing new even to the past apostles, prophets , Jesus Christ himself who have face many similar bullies, groups etc., the devil is too ready an accuser of the Brethren, and tries to continually discredit any work of God even since the time of Jesus Christ himself now too even using inapplicable and distorted Biblical reasons and Bible verses now too
   
I also would not take any criticism even seriously by persons who admittedly even admit they are opposed to all charismatic’s gifts, speaking in tongues included, and the persons who do not acknowledge even themselves now having never received a clear, specific baptism of the Holy Spirit firstly, and also especially when also they themselves have not attended these meetings, or the meetings any of of the latter rain churches.. 
  

 >>At the roots of this Lakeland movement is a host of demonics. A “Sundar Singh annointing” and an angel called “Emma” (which ‘coincedentally’ is a name for satan found in the satanic bible.) Look to the root, not the fruit! 

http://rahabsplace.wordpress.com/2008/06/17/great-florida-outpouring-endorsements/

If there are counterfeits, there must be also a genuine existing.. spirit led Christians can tell the difference by the Holy Spirit.

as per your unsubstatianted assumptions, it is so obvious that you are desperately grasping at straws in your personal bashing of this revival, for what winning at all costs is so important to you, you forget decency, honesty, respect?

and what are you doing in the Satanic Bible? try the Holy Bible instead.

 

>> There has been a great deal of garbage posted all over the internet about the lying signs and wonders going on in the Florida Outpouring in Lakeland, Florida. Todd Bentley has been blasted by numerous bloggers for channeling demonic power and that is how these seemingly miraculous things are happening. According to these bloggers, satan has all kinds of power, especially in false miracles and healing. Does he? Does the Bible say that he does?  Actually, the Bible does not. Healing is an activity that the Lord has reserved for Himself. http://rahabsplace.wordpress.com/2008/06/16/great-florida-outpouring-lying-signs-and-wonders/
 
There has been a great deal unacceptable garbage opposing this Florida revival on the net, and for me it shows more truth about the spiritual nature of the critics, posters too… unflattering to the critic , and unchristian critics..
 
Healing is the Christian children’s right, bread, inheriatnce and they do have a right to use it, practise it too.
 
Some people find it strange that God can still heal today? I find it really strange that these people would try to limit God as to what God can and cannot do today, and that they personally clearly now are so far away from God too.. they really do not know God firstly.
 

 

IRR/TV has received an email from Alexandr Klyushev of the Association of Religious Organization in Kazakhstan asking Christians around the world to pray for their very survival as draft legistislation is in its first reading in the Kazakh parliament seeks to outlaw all evangelism and public profession of faith as well as force all religious communities to register or even re-register with the government. Any community with less than 50 adult members will be denied legal status and must cease to exist. The churches will not be permitted to be involved in publishing, education or missionary activity, effectively closing even Sunday schools for children. Mr. Klyushev is asking that believers write to the government of Kazakhstan protesting these human rights violations and pray as they have never prayed before for the churches in Kazakhstan. Please do pray for them. http://irrtv.wordpress.com/

 http://anyonecare.wordpress.com/2008/06/23/understanding-me-and-others-better/

 

>>Gary Greig endeavors to ascribe credence to something with no credibility http://endtimespropheticwords.wordpress.com/2008/06/25/response-to-gary-s-greigs-biblical-defense-of-todd-bentley-and-the-lakeland/

Easy to note where you stand on this subject.. a waste of time for you to try to say anything else… sadly you lost your own credibility with me immediately by firstly saying that.. showed me more what you are like too.

http://anyonecare.wordpress.com/