i temped for a hp line service provider before ....
you'll be so surprised at the number of people who "utang" hp bills
....
they'll come in all cheery and all, telling you they want to sign
up with a new plan,
you type their details into the com, and *fwah ! ... chap utangs a
few hundred dollars ...
of course being Singaporeans, some will show an ugly face and try
to argue with you .... 
