How about we just scrap the ISP instead and start over with a company that can list what they are charging for? This isn't hard. Either it's a legitimate fee or it's not. I have a feeling they just don't want to disclose that they have been ripping people off for a few extra bucks every bill for the last decade.
That’s exactly what this is. They obviously have software that calculates the fees, so claiming they can’t tell us why is bullshit when they clearly know why already.
That’s what it is. They don’t want people to know what extra fees they’re tacking on. Of course they can list what they’re charging for. Is their accounting so bad they don’t know who they’re charging for what? I seriously doubt it. This is as easy as a spreadsheet output.
Lol. I hope you don’t genuinely feel that a 200 page contract presented to you in a time sensitive environment during one of the most stressful times of your life is an actual fix the convoluted process of home buying.
It presents no real options. You just have to sign 50 random pages of shit you don’t understand and nobody explains or walk away from the purchase often with sizable financial losses at that point.
I agree with the sentiment of your concern as it is a shit load of info. Only part I would disagree with is that nobody explains it. Depends on your realtor of course but mid-pandemic lockdowns my realtor sat down with my wife and I and went page by page, all printed out, and explained everything. Stopped periodically to see what questions we had, and even light heartily quizzed us. He showed us where he was making money, where the bank makes money, what was likely to happen the moment we signed with the mortgage (sold to a different lender), and where our risks were.
It was a lot. And I don’t look forward to it. But in a day and age where anything can be searched online at your fingertips due diligence is expected by both parties and I felt comfortable going into the closing feeling we had covered most everything.
You can search online for years. Some knowledge only comes from experience. My second time was 1000% better because I knew what to expect and roughly knew where I’ll get fucked and how much it will cost me.
Even with the best realtor, the whole experience is still one of “let’s just get this shit over with”. Been at this for likely months at this point. A bunch of people breathing down your neck between realtors, escrow company, loan broker, sellers, other buyers, etc.
What will happen if you discover you’re getting screwed by ~$4-7K in today’s market with properties going well over asking, ~$50k in escrow account and a day left on your fourth extension that seller begrudgingly accepted. Nothing - you’ll sign the paperwork like a good boy and shell out the extra money. No alternatives at this point.
Fun fact: one of the big plusses of the EU was a unified consumer protection law that gives customers extensive rights to fight back against malicious hidden clauses they didn’t have to expect if they weren’t explained to them explicitly. Was a surprisingly pro-consumer legislation, that.
I say boohoo to the industry that stole hundreds of billions of dollars from the government by taking money to build out a nationwide fibre network and doing fuck all with it.
I just wish they’d crack down on introductory pricing and the whole “threaten cancellation to get a discount” model. Of all the other services I can think of they’re the only ones (I’m including cable TV since ISPs usually do both) that explicitly give new customers a better deal. I’ve actually known other companies to lower your bill the longer you have their service.
I spent 30 minutes in a chat with Comcast support trying to get the introductory rate after explicitly asking at the beginning if they could do that for me as an existing customer and the rep stating “yes.” 30 minutes later they told me those rates are only for new customers. I then stated that I could go down to the store and cancel my service then sign up under my wife’s name to get the discount and the rep told me that’d be the only way to get the lower pricing.
Local ISP here I actually had to search on third praty sites to get any idea what their business tier costs since their site refused to say. When they’re allowed to hide things to a point where you need to go through several pages to know what upload speed and data caps they offer it’s obvious they’re looking to screw with people. Top tier was about $150/month for 6tb originally, then during the covid years it got bumped to 8tb because reasons, bow the standard top tier is about $130 with a 3tb cap. Make up your mind people, are you charging for the speed or the volume?
I have to itemize every invoice, for ever customer. Sometimes 100+ items long, and it’s rarely the same, customer to customer. I’m pretty sure they can figure out how to do it too.