If you are a loyal customer I would leave when you can. I have been a loyal customer for 10+ years now. I have only missed 1 payment due to losing my job after having a car accident. I contacted 02 on live chat informing them of this and advised I couldn't talk on the phone due to still being in hospital nor could I make the payment till the end of the month which I was going to pay both months in full. They then cancelled my whole contract and asked for the remainder of the contract to be paid in full which is stupid to say I couldn't pay a month. I am now seeking legal advice as this has caused extra hardship and stress in my life and will be taking this further. If you are with 02 all I say is good luck to you they are greedy.