well, anymore, I simply point any auto debits to my walmart money reloadable 
card making sure it has sufficient funds to cover only those charges. That is 
how I caught another company trying to take more than they were authorized. It 
was funny when they called me up and threatened to charge me with felony bad 
check writing. I had to bluntly explain to them that the card in question was a 
reload type card and if they tried to take more than the agreed payment, that I 
could charge them with attempted fraud. That shut them up real fast. No 
problems after that.

-eric

On Feb 13, 2018, at 7:05 PM, M. Taylor wrote:

> Hello Eric,
> 
> I know exactly what you mean about that automatic payment issue.  
> 
> Verizon Wireless did the same thing to a friend of mine after she switch 
> carriers.  They took 3 more payments out of her account even though they had 
> acknowledged her account closure.  It took a year in order for her to receive 
> a refund.  
> 
> Bottom line, I will never, ever, authorize a company to automatically 
> withdraw funds from any of my financial accounts.
> 
> Mark
> 
> -----Original Message-----
> From: viphone@googlegroups.com [mailto:viphone@googlegroups.com] On Behalf Of 
> Eric Oyen
> Sent: Tuesday, February 13, 2018 4:44 PM
> To: viphone@googlegroups.com
> Subject: Re: A bit confused with knowing rather my iPhone is unlocked
> 
> well, you can demand a copy of your contract and it's effective dates. If the 
> phone is paid off, then it would show up as paid (or your bill would drop). 
> As for unlocking, you will have to take the phone to a local store for that 
> carrier. 
> 
> btw, you can keep your number when you switch carriers. It's called number 
> portability and is in the fCC regulations.
> 
> btw, if you have your current carrier automatically debiting your checking 
> account remove that permission before switching. I made the mistake of not 
> doing so and I am still fighting with t-mobile 5 years after they stole 
> nearly $400 out of my checking account.
> 
> -eric
> 
> On Feb 13, 2018, at 5:36 PM, Terri Stimmel wrote:
> 
>> Hello everyone,
>> 
>> 
>> I am a bit confused about rather or not my iPhone SE is already 
>> unlocked, or not.
>> 
>> 
>> I want to switch carriers, as I just have poor coverage with T-Mobile. 
>> So I was thinking I would just use AT&T's pre-paid service.
>> 
>> So last night I called T-Mobile. I'm not in a contract. I am just 
>> paying off my phone.
>> 
>> 
>> I asked the man I spoke with what I would need to do, if I wanted to 
>> switch carriers, and still keep my number. He told me that I could 
>> switch, but that only the other carrier could tell me what they needed.
>> 
>> 
>> So then I asked him how much I still owed on my iPhone, and if it was 
>> unlocked.
>> 
>> He told me that it couldn't be unlocked from their network, until I 
>> paid it off.
>> 
>> 
>> Can anyone tell me, is this correct?
>> 
>> I only want to check, because I get told differing things with 
>> T-Mobile sometimes. So if anyone can answer this for me, I would appreciate 
>> it.
>> 
>> 
>> Thank you,
>> 
>> 
>> Terri
>> 
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