Niezgodne z prawem klauzule umowne, w umowach T-Mobile..
To bardzo ważna kwestia.
W materiałach informacyjnych, w reklamach a także w umowach firma T-Mobile [przed wejściem technologii 5 G i obecnie], posługuje się ładnym miło brzmiącym zwrotem „prędkość do 20 MB/s” sugerujących wysoką jakość usług. Dotyczy to usług internetu bezprzewodowego. Wysoka prędkość reklamowana przez T-Mobile, jest jedynie informacją reklamową czyli nieprawdziwą. Chodzi o wprowadzenie klientów w błąd w celu następnie wykorzystania tego błędu. Czyli podręcznikowy przykład oszustwa. Jest to też wprowadzanie do materiałów reklamowych, do materiałów informacyjnych i do umów – klauzul niedozwolonych.
Co to znaczy ten zwrot „prędkość do 20 MB/s” i jakie ma w efekcie znaczenie dla każdego klienta (konsumenta) ???
20 MB/s to dość duża prędkość. Każdy klient (konsument), byłby z pewnością zadowolony z takiej prędkości i byłby z pewnością zadowolony z takiej usługi. Fraza – zapis w umowach, zapis w materiałach informacyjnych, zapis w materiałach reklamowych – nie brzmi „prędkość 20 MB/s”. Brzmi podobnie a znaczy zupełnie coś innego i znaczy zupełnie coś odmiennego, niż myśli każdy klient (konsument).
Klient(konsument) zawierając umowę sugeruje się zapisem umowy „prędkość do 20 MB/s” licząc na dużą prędkość łącza internetowego (bezprzewodowego) i wierząc, że firma telekomunikacyjna taką prędkość czyli 20 MB/s będzie realizować.
Klient (konsument), jednak nie zdaje sobie sprawy, że fraza „prędkość do 20 MB/s” i fraza „prędkość 20 MB/s” to zupełnie inne frazy.
Fraza „prędkość do 20 MB/s” określa nie prędkość łącza a zakres prędkości łącza. Zakres predkości łącza internetowego potencjalnie, a mówiąc bardziej wprost – teoretycznie. Czyli firma nie jest w stanie świadczyć usługi w takiej prędkości w dniu zawarcia umowy.. i naszym zdaniem nawet nie ma zamiaru świadczyć usługi z taką prędkością..
Co więcej fraza „prędkość do 20 MB/s” – w takiej formie tej frazy – mówi, że prędkość łącza internetowego usługi świadczonej przez firmę T-Mobile – może być w przedziale i będzie w przedziale 0 KB/s -20 MB/s !!!
Fraza używana przez firmę T-Mobile – „prędkość do 20 MB/s”, znaczy że prędkość łącza internetowego może też wynosić 0 KB/s [zero kilobitów !!!!].
Firma T-Mobile, oczywiście robi to w pełni świadomie i nie jest to żadna pomyłka. Poza tym firma profesjonalnie wykonująca usługi, nie może tłumaczyć się pomyłką i nie zwalnia jej to z odpowiedzialności.
Co więc ma klient (konsument), który zawarł umowę takiej treści z takim zapisem „prędkość do 20 MB/s” z firmą T-Mobile, na internet bezprzewodowy w telefonie (smartfon) lub na internet bezprzewodowy w komputerze ?
Ma internet bezprzewodowy działający z prędkością 5 KB/s, 10 KB/s, 15 KB/s, 25 KB/s, a w najlepszym przypadku – jak widać po realnie świadczonej takiej usłudze – jest to prędkość łącza internetowego w przedziale 15 KB/s – 50 KB/s.., choć zdarza się i prędkość 0 KB/s (zero kilobitów na sekundę)..
Czyli zamiast super szybkiego internetu w firmie T-Mobile jest super wolny internet, a nawet przy prędkości 0 KB/s , firma T-Mobile, niby nie łamie zawartej umowy na świadczenie usług.
Prędkość 0 KB/s (zero kilobitów) oczywiście nie pozwala na przesył żadnych danych a nawet prędkości łącza internetowgo w przedziale 5 KB/s-25 KB/s uniemożliwiają zrobienie czegokolwiek. Nie możemy załadować żadnej strony, nie możemy ściągnąć poczty email – nie możemy zrobić niczego. Z taką prędkością działał internet w swoich początkach w Polsce około 20 lat temu czyli około roku 1998 -2000. Tylko strony internetowe wtedy miały po 20-100 KB a nie po 10 MB (jednorazowe załadowanie strony).
Dopiero od prędkości około 50 KB/s możemy przeglądać strony internetowe i to dużymi utrudnieniami. Obecnie nawet przy prędkości 500 KB/s strony działają bardzo wolno a korzystanie z Youtube lub streamingu Audio i Video, jest niemożliwe.
Zawierając umowę z firmą T-Mobile o treści „prędkość do 20 MB/s” otrzymujemy internet o prędkości sprzed 20 lat czyli taki internet do niczego się nie nadaje. Nie można przeglądać stron swobodnie, poczta działa wolno, a o Youtube i filmach w streamingu lub o muzyce w streamingu możemy zapomnieć..
Firma T-Mobile, żeby było śmieszniej nawet nie przeprosi za to,..
Firma T-Mobile świadomie bezczelnie powołuje się wtedy na zapis umowy, że prędkość jest do 20 MB/s… i firma T-Mobile odpowiada, że firma nie złamała umowy przy prędkości 0 KB/s, 5 KB/s, 15 KB/s, 25 KB/s, 50 KB/s..
Warto zadać pytanie, firma T-Mobile świadczy usługi dostępu do internetu bezprzewodowego z prędkością 0 KB/s czy z prędkością 20 MB/s ?? Obydwie te prędkości mieszczą się w zdaniu w umowie „z prędkością do 20 MB/s”..
Naprawdę chcecie się przekonać, jak firma T-Mobile oszukuje klientów (konsumentów)..??
Reklamacje oczywiście nic nie dają, bo firma T-Mobile, twierdzi, że świadczenie tej usługi z prędkością 25-50 KB/s [!!!!!], jest zgodne z zapisem umowy.. Szkoda tylko, że pracownicy firmy T-Mobile przy zawieraniu umowy, nie są tacy „szczerzy”.. i tego nie mówią..
UOKIK, jak na razie nie reaguje, na ten proceder, firmy T-Mobile..
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Do You Really Need a Legal Expert for Policy Disagreements?
Insights, Evidence, and Practical Ways Out
Several years earlier, I found myself in a predicament I never
imagined: facing a dispute with an insurance
firm. At that time, I expected the claim process would work
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The question then arose: “When this happens, do I have to consider hiring a specialized insurance lawyer?”
What Are Insurance Conflicts and Why Do They
Often Happen?
When you analyze it, insurance disputes are not uncommon. According to a research by the University of Indonesia, Faculty of
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years were related to insurance claims. That figure is quite high and shows
that insurance issues are not just isolated cases, but a massive trend.
Some recurring patterns include:
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explained.
– Claim payments taking far longer than promised.
– Differences in application between the written policy and
actual practice.
– The insurer going bankrupt.
I recall vividly that the insurer at the time said my claim couldn’t be processed because of an “exception in the policy.” Yet
I had read the policy many times, and in my view, that exception was irrelevant
to my case.
What Does It Mean to Go Against a Policy Provider On Your Own?
Honestly, it felt like standing before a giant.
I, as an individual, had no resources, while the company had a legal team, rules, and time.
I tried to contact the Financial Services Authority (OJK) to file a report, but the process was
long. There were mediations, clarification steps, and no guarantee it could all be resolved swiftly.
In that condition, I felt trapped. Until eventually, I
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Can a Legal Representative Actually Assist Insurance Disputes?
The short answer is: definitely—and they can be surprisingly helpful.
According to research from Airlangga University, Graduate Program in Business Law
(Rahman, 2020), consumers who were assisted
by lawyers in insurance disputes had 47% higher chances of resolution compared to those who went through the process alone.
The reason is simple: lawyers understand legal loopholes, can interpret policies with
a legal eye, and follow dispute resolution procedures both inside and outside of court.
I once discussed this with a colleague who went
through a similar case. He used an attorney from PengacaraJustitia.com, and he
said the mediation process became much faster. Even before
reaching court, the insurance company chose to settle because
the consumer’s position was backed by law.
Do All Cases Should Go to Court?
Not every time. There are several routes to resolve
disputes:
Internal Insurance Mediation
Insurers usually have a customer dispute department. Unfortunately, this method is often ineffective if the issue is serious.
OJK Mediation
This can be done through OJK, but it can be slow.
Indonesian Insurance Mediation and Arbitration Board (BMAI)
BMAI is a specialized body that handles insurance disputes.
The process may be faster, but still, without legal understanding, the
results can be suboptimal.
District Court
The final option is the court, which is legally enforced, but requires a solid legal approach.
According to a study by the Faculty of Law at Gadjah Mada University (Pradipta, 2019), more
than 50% of insurance cases that reach court can be won by consumers if they are accompanied by a specialist
insurance lawyer.
When Is the Optimal Time to Reach Out to an Insurance
Lawyer?
From my experience, acting early is key. Don’t procrastinate until the
case gets worse and your position weakens.
Some signs you must consider assistance:
– Claim rejected without proper reasoning.
– Claim payout taking too long.
– Indications that the company is not forthcoming about the policy.
– The insurer is in distress.
At that point, an insurance lawyer is no longer a choice, but a must-have.
Why Choosing a Lawyer for Insurance Matters
Imagine you have a serious medical condition—you’d prefer being treated by a expert,
right? The same principle applies to law. Not all lawyers
are skilled in dealing with insurance companies.
Some platforms, like Jasa.PengacaraJustitia.com or TemanHukum.com,
provide dedicated services for insurance disputes.
They know how to read policies, and they can maximize outcomes.
For me personally, my first experience with a lawyer was eye-opening.
I realized that many consumer rights are often masked behind complicated clauses.
How Does It Affect Stress Levels and Money?
Before having a lawyer, I was often stressed every time I opened emails or received calls from the insurance company.
It felt like never-ending tension.
But after having legal support, I could be at ease. I knew there was someone who understood the law and would step in if things
went unfairly.
Financially, yes, there is a fee for legal services.
But compared to potential losses of considerable financial
damage from a failed claim, the cost is minimal.
Conclusion: Don’t Hesitate in Seeking Legal Assistance
If you are currently facing issues with an insurance company, don’t
go at it by yourself for too long. The legal world is intricate, and insurers have
knowledge in handling claims.
Based on personal experience and academic findings from various studies (Santoso,
2021; Rahman, 2020; Pradipta, 2019), consumers are clearly better off when assisted by a specialist insurance lawyer.
In Indonesia, platforms like PengacaraJustitia.com, Jasa.PengacaraJustitia.com, and TemanHukum.com assist in resolving disputes.
They can help assert your rights.
Because ultimately, insurance is about security.
But when protection creates stress, we have the right to take action correctly—through the proper channels, with the right lawyer.
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