read the yes Fiz contract,. someone posted before in this thread ,..
with YES it was never your right to dispute after the contract signed. because with your signature it is your acceptance to agree with whatever policy they are to implement...

to explain layman if you have remainer 22 mths as entire billing cycle. if u signup postpaid plan rm109 example is your commitment fee. your debts will be rm109 (commitment fee) x 22 (mths billing cycle) = rm2398. the amount is consider you had no default in payment. YTL don't work like mobile 3G network where suspension stops payment. besides they charge u interest.
11. Effect of Termination
(a) Upon the termination of Your account/Agreement by either party
You will be liable to Us for:
(i) the
Commitment Fee for the entire Billing Cycle in which the termination occurred, unless otherwise stated;
(ii) any voice calls, SMS charges and other services incurred up to and including the effective date of termination; and
(iii) any outstanding amount(s).
(b) Before the expiry of an applicable Contract Period, if You terminate the Agreement OR if the Agreement is terminated due to Your default, You shall in addition to the foregoing sub-clause (a) (ii) and (iii) be liable to pay Us the sum equivalent to the aggregate Commitment Fees for the unexpired Contract Period still remaining as at the date of premature termination (hereinafter referred to as "Early Termination Charges"). However, Early Termination Charges are excluded from instances of conversion of Service Plan where a larger value Service Plan is substituted for one of lesser value.
© All of the above amounts stipulated in foregoing sub-clauses (a) and (b) are deemed to be
a debt due to Us and are to be paid by You immediately upon receipt of Our Bill which will be billed to you in the Billing Cycle immediately following the termination of Your account/Agreement.
We have the right to set off this debt against any money due to You from Us -
meaning YTL Comm can do whatever to you to charge u as they pleased until u pokai. this where mthly interest 1.5% comes to picture(d) (i) All prior payments by You, including but not limited to any deposit and/or advance payments relating to any Yes devices bundled with Your Service Plan,
are wholly non-refundable where termination is due to Your default. (ii) All unused Data, Data Add-ons, Data Capacity Allocations and allocated free voice minutes and SMSes (if any) are non-refundable in ALL circumstances of termination unless otherwise expressly provided.
(e) All unused Data, Data Add-ons, Data Capacity Allocations and allocated free voice minutes and SMSes (if any) are non-refundable in ALL circumstances of termination unless otherwise expressly provided.
(f) The MSISDN provided for the Service will revert to Us upon termination of Your account subject to clause 4 above.