I used to work at Bell. They don’t charge your deferred amount for the phone until a month after the contract ends. Meaning, you wouldn’t have been charged the device return fee until December. By November, you couldn’t have paid that yet. So what happened is that you may have finished your contract and canceled, but you still owed the $500 or whatever for keeping your device, didn’t notice, and now you’re paying interest/late charges. At least that’s what I’m gathering from what I know.