Ultimately it comes down to not trying to resolve the issue before your 14 days was up. So as frustrating as it may be you owe the etf if you want out of the contract because you're beyond the 14 day return period that you agreed to at purchase. So the question becomes what's more important? Paying the $350 (making your phone purchase price around $550) so you can go back to your month to month discount or staying in the contract and paying the higher access fee. The smart move would be to pay the $350 if paying the increased access fee is going to be a problem for you. But if the deal of paying $197 for your device feels like a better choice then the trade off is paying more for the access fee monthly. None of this is what you want to hear but it's all true and unfortunately it's the situation that you're in.