I fucked my credit in Germany because cell phone plans and fixed line DSL contract term commitments auto-renew for another 24 months automatically and have to be cancelled in writing.

I sent them cancellations, but it only works if you send the cancellation in the last 90 days (or something) of the 24 months. Miss the window and you're on the hook for 24 more payments.

It's the most customer-hostile experience I have ever had with a company in the global west.

I decided it was easier to just let them try to collect, and stopped the autodebit to them.

Some say you can still hear their dunning emails to this day, when the wind is blowing...