Why I’m Pulling the Plug on Cable TV from Rogers and Why Their Cancellation Policy Seems Illegal

Way back in 2004 we decided to get Cable TV from Rogers. We were leaving the country for several weeks with our youngest child and were leaving our elder child in the care of my parents. It seemed merciless to cut my Dad off from 7×24 TV news coverage for weeks, so we got cable for him. For a variety of reasons, most of which are spelled p-r-o-c-r-a-s-t-i-n-a-t-i-o-n, we didn’t cancel it when we got back. But the time has come to cancel our cable service; To me, though, it seems like the Rogers cancellation policy borders on illegal.

Whose Bill Is It?

I should have known that cancelling cable would be similar to severing my own limb using a plastic knife. However, since I am eternally optimistic (if cynical), I phoned Rogers at the number listed on our bill. I should have known there would be a problem because it technically is my husband’s bill, not ours. It is in his name only.

Anyway, I tried.

I called at 1:28. At 1:29 after selecting a variety of voice mail options that led no where, I was put on hold. At 1:30 the call was picked up.

At 1:42 I finally hung up.

I had not been able to cancel the bill. Nor was I able to find out how my husband could cancel in writing by fax, email or Canada Post.

Rogers Cable Says I Cannot Cancel My Cable TV Service In Writing

This is the part that seems borderline on illegal to me. The representative on the phone told me, repeatedly, that it is not possible to cancel Cable TV by sending in a letter: Not by fax, by email or by registered mail delivered by Canada Post!

I have heard many people complain about contracts that MUST be cancelled in writing. This is the first time I’ve encountered one that CANNOT be cancelled in writing!

To have spent 12 minutes waiting just to be told I could not cancel the service was very annoying indeed.

Why Did It Take 12 Minutes to Not Cancel the Service?

I told the agent plainly that we were cancelling because the cost for the service has become “way, way, way too high.” When we started cable in 2004, we were paying $26.44 including taxes etc. We are now paying $40.50 including taxes and strange fees to the CRTC. That’s an increase of $14.06 or over 53% in less than 10 years.

Now, to add insult to injury, Rogers has announced that as of Sept 17, 2013 they will charge you $2 to send you a bill. That’s right you have to pay for the privilege of owing them money. I wouldn’t take this from Bell and I won’t from Rogers either. (To do the agent justice, he did say that we could work out something to remove this $2 fee. Of course I had to phone in to find that out.)

The agent said he had to check what discounts he could offer for the service before he could accept a cancellation since we had stated the reason for cancelling is price.

Will my husband have to endure another 12 minute delay when he calls in to cancel?

How Can I Cancel the Cable If My Husband Can’t Phone Rogers?

Believe it or not, there is one way I can cancel the service if my husband can’t or won’t phone in:

  • I have to get a Power of Attorney
  • I can fax the Power of Attorney in to Rogers
  • I can then phone in to go through the phone in cancellation process again!

I’m amazed. Actually sort-of stunned. Why on earth can you not simply write a letter stating you are cancelling your TV service?!

Rogers Cable Has the Worst Cable TV Cancellation Service I Can Imagine

In conclusion, I think Rogers should win some sort of prize for most bizarre contract cancellation policy.

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Have you cut the cable? Did you find it quick and simple or tortuously slow and silly? Please share your experiences with a comment.

Update on Transferring RRSP Cash to an ING Direct RRSP Using a T2033 Form

On June 24, I requested a transfer of the cash in my Canada Retirement Savings Plan (RRSP) to my RRSP at ING Direct, now Tangerine.ca. Here’s an update.

To start the transfer, I filled out a T2033 form online at the Tangerine website. As required, I mailed them a signed copy of the form. I popped it into the big red box on June 25. Then I started to wait.

As I mentioned in the post I wrote back in June, ING Direct Tangerine is great at handling this kind of transfer. They even pay interest from the day you apply to move the money, provided they receive it from the other financial institution within 60 days.

Sometime in the last 5 days, the money arrived in my ING Direct Tangerine RRSP.

The Transfer Process to ING Direct Tangerine Works Smoothly but Not Swiftly

As I mentioned above, I requested the cash transfer from one RRSP to the other on June 24 electronically and June 25 by mail. On or about July 21 the money arrived.

So the transfer took between 3-4 weeks depending on when you start counting and when you stop. I expect, for example, that it took up to 5 business days for Canada Post to deliver the original of my T2033 to ING Direct Tangerine.

I’ve made transfers between other financial institutions, including BMO, BMO InvestorLine, ING Direct, the Canada Retirement Savings Plan, CIBC, and CIBC Investor’s Edge in the past. Each of the transfers took at least 3 weeks and some took longer. So this timing was not a surprise.

The ING Direct RRSP Transfer Quirk

One thing did surprise me about the transfer. I’ve been watching my ING RSP Investment Savings Account (RISA) balance a few times a week to see if the money had arrived. When it seemed to have landed, I opened the Account History view to see the details.

To my surprise, instead of listing the Date the money actually arrived, the transaction history lists the date that I requested the transfer. In other words, the event “Deposit Transfer from Other Institution (T2033) is back dated to June 24. Even the bonus interest is back dated to June 30. So I don’t know the exact day the deposit was made.

What’s Next?

Now I suppose I have to start thinking about where to move the money next.

  • CIBC Investor’s Edge? I pay the lowest trading commission there.
  • BMO InvestorLine? They let me hold US stocks in a US sub-account within my RRSP and pay the dividends directly in US dollars.
  • RBC Direct Investing? I haven’t tried them yet but I’m curious about how they work and what benefits they offer. [I’m using them now for a spousal RRSP.]

UPDATE: Please be aware that as of January 2015, Tangerine has started charging a fee if you transfer your RRSP or TFSA from Tangerine to another bank, credit union, brokerage or financial institution.
I would no longer transfer RRSP money to Tangerine unless I planned to keep it there for the long term.

Any suggestions?

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Please share your experiences with transferring RRSPs with a comment.

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