Well, I explained that I went into dispute with T-Mobile and that although I signed a monthly contract with them - each month the bill was always more than expected. I was aware that calls to International numbers would not be allowed due to the monthly agreed figure on the contract. Although I did complain about this to T-Mobile, they refused to compromise by making any calls to 0845 and other revenue numbers barred. I refused to pay the last month of my contract with them and had many phone calls to them before arriving at this decision. They let it go but said that they would put the matter onto my credit reference file, which in itself is illegal as we were in dispute and I had also told them to take me to court in order that I would win. So, your team tried and tried to get me a nice little contract which would upgrade me to an iPhone on a monthly contract. I have been with Vodafone ever since and they have been great. Anyway, in the end the girl would have tried other routes, but by this time the whole thing was getting silly and not doing my credit rating any good by keep applying. The main reason I contacted you in the first place was because of an advertisement that appeared on my email page. Another phone company also rang me earlier in the year offering me a mobile phone for a monthly contract - this went on and on too. Tedious. I upgraded my phone with Vodafone as I had got some points saved up. I ended up paying £18 and got a smart looking ALCATEL phone which is so irritating as the buttons are not tactile and therefore it takes several hits to get the right letter when you are texting. You get fined if you miss a payment. They don`t call it a fine but if the money is not in your account you end up paying for all calls and texts until you money runs out - then they put you on a reserve then you pay your tenner and they sting you for the reserve. So you have to pay more - this is invariably give me about £2.00 credit which always seems to get used up no matter what I do re calls etc. So all in all, I think the phone companies (not you) ought to be fair with their charging schemes which tend to rip off nice young twenty somethibngs, who are trying to make a go in the world and then they wake up - EVERY F-G MONTH - with a phone bill of 70, 80 odd quid or more. This is ruinous to a young person. but the phone companies maintain this modus operandi as it is a sure way of making money.