My brother-in-law otang Singtel about $800 hp bills and never pay since 1996 , Singtel only sent a few notices for late payment , after that , no sound no picture , no bill collector from Singtel .
I also owe Singtel about $400 , also same , since 1995 . Case closed liao !
But M1 don't play play , they sent lawyer letter one , i kana before , just $10 balance after i terminated my line , they sent lawyer letter .

Starhub so far so good , you owe them , they sent u love letter , then suspend your line , and problem still persisit , they just sent reminder til you pay , the rest i dunno liao .
Giro only for rich people .

Now AXS very common , no GIRO require .