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..
How to Choose the Right Contractor and Home Renovation Service?
When planning home renovations, many wonder:
“How do I pick a trustworthy contractor?”
I personally faced this dilemma, torn between large construction companies, local workers, and professional interior services.
Gadjah Mada University’s 2021 research indicates that using experienced contractors ensures timely, high-quality, and low-revision results (Santoso, 2021).
Personally, I felt this difference when collaborating with
KonstruksiTuntas.com.
What Is the Difference Between Professional Contractors and Regular Builders?
Professional contractors typically assemble teams with architects, designers, and specialized labor.
Unlike professionals, independent builders often skip planning, design,
or systematic management.
At the start of my kitchen remodel, I depended
on a local craftsman.
Although functional, some details such as paint and tile work were
uneven.
After hiring the professional team from Ciptarancang.com, all aspects—from design, material estimation,
to finishing—were neat and matched the original plan.
ITB research finds that professional contractors with skilled teams significantly improve
satisfaction—by around 35%—compared to local labor (Prasetya, 2020, p.
45).
How to Make Home Renovation Efficient?
In my experience, renovating efficiently involves key steps.
Consult designers first to communicate the vision and style of your home.
Architects present different layouts and propose material choices.
Material and Budget Calculation – Material and budget are precisely calculated to minimize
waste and errors.
Execution of Structure and Interior – The building process
progresses logically: structure, then final touches,
interior.
Final Inspection and Project Handover – The contractor inspects
everything to confirm alignment with original plans.
Structured planning in construction significantly improves time efficiency, by
about 20% (Diponegoro University, 2021).
Why Interior Design Matters in Renovation?
Renovation is often mistaken as purely structural work.
The right interior design enhances comfort, aesthetics, and functionality.
Budget Alignment – Many homeowners struggle with budget overruns.
Budget-friendly materials without sacrificing quality are ideal.
Transparent contractors help minimize surprises in expenses.
Order tasks by priority to stay within budget.
Can Contractors Handle Small and Large Home Renovations?
Professional teams adapt to both small-scale and large-scale
renovations.
I observed a friend’s renovation project on a two-story house.
Floor plans, materials, and interiors were optimized by the team.
The result was a spacious, comfortable, and aesthetically pleasing home without excessive cost or time.
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When Should You Call a Legal Expert for Insurance Conflicts?
What Research and Experience Reveal
Not so long ago, I found myself in a circumstance I never imagined: embroiled in a conflict
with an insurer. At that time, I expected the claim process
would run smoothly, since from the beginning I had fulfilled the requirements, provided
all documents, and kept up with premiums on time.
But what happened shocked me. The process became complicated, my claim was stalled multiple times, and
in the end, it was denied without a clear explanation.
From that moment, I started to see that in the world of insurance,
goodwill alone is often not enough. There are layers of legal complexity, multi-interpreted contracts, and legislations that are not familiar to the average person.
The question then arose: “In such cases, do I have to consider hiring a lawyer who understands insurance?”
What Are Insurance Conflicts and Why Do They Occur So Frequently?
When you pay attention, insurance disputes are fairly common. According
to a study by the University of Indonesia, Faculty of Law (Santoso, 2021), more than over a third of consumer complaints in the financial services sector over the last five years were related to insurance claims.
That figure is alarming and shows that insurance issues are
not just individual incidents, but a larger phenomenon.
Some recurring patterns include:
– Claims being denied for reasons that are not properly explained.
– Claim payments taking too long.
– Differences in application between the written policy and actual practice.
– The insurer declared insolvent.
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 not applicable to my case.
What Does It Seem Like to Confront an Insurer By Yourself?
Honestly, it felt like standing before a giant. I, as an individual, had no real legal power, while the
company had full legal support, 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 cornered. Until eventually, I started looking into
the services of an insurance lawyer.
Can a Lawyer Actually Make a Difference in Insurance Disputes?
The short answer is: yes—and they can be extremely helpful.
According to research from Airlangga University, Graduate Program in Business Law
(Rahman, 2020), consumers who were assisted by lawyers in insurance disputes had significantly improved chances of resolution compared to those who
went through the process alone.
The reason is simple: lawyers know legal loopholes, can analyze policies with a legal
eye, and navigate 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 far more solid.
Do All Cases Should Go to Trial?
Not necessarily. There are several paths to address disputes:
Internal Insurance Mediation
Insurers usually have a grievance unit. Unfortunately, this path is often ineffective if the issue is serious.
OJK Mediation
This can be done through OJK, but it requires time.
Indonesian Insurance Mediation and Arbitration Board (BMAI)
BMAI is a official board that handles insurance disputes.
The process may be more efficient, but still, without
legal understanding, the results can be weak.
District Court
The final option is the court, which is legally enforced, but requires strategic legal planning.
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 successfully resolved in favor of the client if they
are accompanied by a dedicated attorney.
When Is the Optimal Time to Hire an Insurance Lawyer?
From my experience, the sooner, the better. Don’t postpone until
the case escalates and your position weakens.
Some signs you require assistance:
– Claim dismissed without adequate explanation.
– Claim payout dragging on.
– Indications that the company is not honest about the policy.
– The insurer is in distress.
At that point, an insurance lawyer is no longer a luxury,
but a necessity.
Why Choosing a Lawyer for Insurance Matters
Imagine you have a serious medical condition—you’d trust being treated by a professional,
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 understand the fine print, and they know the most efficient ways to handle cases.
For me personally, my first experience with a lawyer changed my perspective.
I realized that many consumer rights are often buried behind complicated
clauses.
How Does It Affect Stress Levels and Money?
Before having a lawyer, I was often anxious every time I opened emails or received calls from the
insurance company. It felt like constant pressure.
But after having legal support, I could feel more confident.
I knew there was someone who knew the rules and would protect my rights.
Financially, yes, there is a fee for legal services. But compared to potential
losses of considerable financial damage from a failed claim, the cost feels small.
Conclusion: Don’t Delay in Seeking Professional Help
If you are currently handling disputes with an insurance company,
don’t attempt without help for too long. The legal world is intricate, and insurers have
practices in handling claims.
Based on personal experience and academic findings
from various studies (Santoso, 2021; Rahman, 2020; Pradipta, 2019), consumers are clearly more
advantaged when assisted by a professional attorney.
In Indonesia, platforms like PengacaraJustitia.com, Jasa.PengacaraJustitia.com, and TemanHukum.com offer real support.
They can speed up resolution.
Because ultimately, insurance is about safeguarding. But when protection feels like a problem,
we have the right to seek justice—through the law, with the right lawyer.
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Essential Tips for Picking Interior Design Services and Contractors that Enhance Home Comfort and Aesthetics
I once spoke with a friend whose house had just
been renovated.
They told me, “Picking an interior contractor seemed easy at first, but
it’s really not.”
Their renovation experience helped me understand the key to choosing interior designers and contractors for a comfortable,
functional, and aesthetic home.
According to research from Trisakti University (Rahman, 2020), using professional interior services in renovation increases occupant satisfaction by up
to 40% compared to DIY projects.
From what I saw personally, this is absolutely true.
Why Choosing Professionals Matters
Many homeowners think interior design is limited to paint, furniture, and
aesthetic elements.
In reality, it’s more than just that:
How rooms are designed and scaled impacts comfort and livability.
Lighting and ventilation are key to creating a sense of openness in a home.
Proper furniture selection helps manage space efficiently without crowding.
Their team ensures furniture, lighting, ergonomics,
and storage are perfectly planned.
According to Santoso (Universitas Indonesia,
2021), professional interior services can make rooms up to 25% more efficient.
Steps for a Smooth Interior Renovation
From observing professional projects, the common workflow involves:
Preliminary Meeting – Explain your home concept and
style choice.
Design Phase – Sketches and layouts are created for furniture, color schemes, and lighting.
Choosing Materials and Furniture – Professionals pick items that match the design and budget.
Construction & Installation – Team executes the design plan, including furniture, decor, and finishing.
Completion Check – Verify that the outcome aligns with the design plan and comfort requirements.
According to Hidayat (Diponegoro University, 2021), well-planned interior projects increase efficiency
by 20%.
Tips to Save Money While Maintaining Aesthetics
Cost concerns often discourage people from pursuing interior design projects.
Based on my own experience:
Select quality materials that don’t overshoot the budget.
Focus on functional furniture rather than too many
unnecessary items.
Work with contractors who are transparent about
costs.
With Ciptarancang.com, budget details are transparent right from the beginning.
Small Homes Can Still Feel Spacious
For a 45 sqm house, my friend feared the space would feel
crowded after renovation.
Using professional designers, the space felt open, with optimized lighting and tidy
storage.
Professional interior design can make compact homes feel up to 20% larger, per ITB research (Prasetya, 2020).
Fun Stories from Interior Renovation
I especially enjoyed that the interior renovation went smoothly without stress.
I spent some time discussing interior details with the professional team.
They were patient, offered advice, but remained professional.
Professional interior renovations boost client satisfaction by 45%,
per UNDIP (Hidayat, 2021).
Professional Interior = Future Investment
A professionally arranged interior adds both comfort and investment value.
The house looks stylish and inviting, with neighbors asking about the designer.
UGM research (Santoso, 2021) shows that professional interior design can increase property value by 20–30%.
Project Safety and Security
Safety precautions are vital in any interior design project.
Workers are fully equipped with safety gear during renovation projects.
Furniture is placed and fixed with safety in mind.
Supervision is provided throughout to avoid
accidents or property damage.
Pratama (ITS, 2020) indicates that safety oversight in interior
projects halves accident likelihood.
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