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Remember you are not just paying the cost of the modem when you rent it - you are paying for the support of it as well. If a rented modem dies then you get a new one free
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So the flip side is that a CM that is owned by the customer does not get any support or free replacement.
That is to say there is no burden to NTL in that respect. Therefore the customer should not be charged (the £5 rental) for such services.
If my £20/pm goes up to £25/pm I will have a few chioce words for CS.