I had a miserable experience some years back. Basically I quit a service provider and asked for the final bill. The bill that came was outa sight. Phoned them and asked what was going on.

They quoted I would pay it rather than have my credit damaged. Kicked this back and forth for months. We do not use credit to start with for anything basically except a credit card for convienience and air miles we pay off each month.

Eventually we got down to the wire and they said since you are not going to give up we will settle for so much money. Actually just the amount we originally owed. Sick large north American company.

They must be cognizant that after this treatment a customer would never return to them unless there were no other provider. I also was amazed when I found the treatment I received was just typical of them.