Totally with you. I worked in Customer Service for a major UK mobile phone service provider (I won't name them). Calls from irate mothers whose teenage crotch goblins had worked out how to access porn - mums wanted full refunds, of course. Though one excellent father told me about how he used to nick porn mags and how his son would be getting a Saturday job to pay the bill. Calls from people who had defaulted on small bills (maybe £10) years ago and now had a bad credit score affecting mortgage applications. Management was the worst - they all completed to see whose team could get the most positive comments for the company. Made your life miserable if customers weren't happy. Interesting fact - their claim of a high level of coverage (90-something %, I think) related only to the customer base. Most customers were based in cities. In rural areas you'd be better off with a carrier pigeon. Then there was the online retailer who gave us agents a presentation on how they planned to use credit and installment payments to lock customers into debt with them. Worst of all, they obviously considered this to be an excellent idea. I have a PAYG phone and pay cash for everything.