HONEST MISTAKE. Call me unobservant, ignorant or worse, if you wish. I decided I no longer wanted XM radio in my car. Unaware of AUTO RENEWAL policy, I just stopped paying, figuring since this is a pay in advance service, you don't pay, you don't get service. Right??? Wrong. Got a collection notice from 3rd party. Called XM and acted like an idiot and got nowhere, naturally (duh). Learned that it is the customers responsibility to CANCEL. All the responsibility was put on me. Per XM (Ann), "It wouldn't be fair or reasonable... read full review »