I know Koodo has been getting ripped off by people buying a phone cheap on tab then cancelling the account and taking the phone. Or, every 90 days they pay out their tab and buy their friends a phone cheap on tab. I have to say the new policy of making accounts pay out the prorated value of the phone if they pay the tab out early really sucks. My wife dropped her phone in the lake last weekend. In a couple of months, she will find a new way to trash the S9 I just got her. Then, I will have to hit eBay for a new phone. There has to be a better way. Maybe they could charge the prorated retail value of the phone if the account is closed before the tab runs out in two years. Or, if you give back your old phone, you can get a new one on tab. Neither of these would help my wife since she dropped her phone in the lake but maybe you could get one lost phone for every year you have had your account at Koodo. We have 4 phones at Koodo so this isn't asking much. Anyway, I wouldn't be with anyone else and it's a shame the scammers have ruined a good policy.