We were clients of Pan Terra for several years. Yes, the service is good, but a bit overpriced. When we decided to change carriers, we discontinued service, using their website, half way through our paid up service period. Not only didn't they refund the unused service time, but they sucked another month's fee out of our card. Attempts to get them to refund the money they stole have been met with stonewalling, empty promises, and apathy. They know it's not worth the cost of a lawsuit, so they've kept the stolen funds.