[beAbU]

This is a good argument for local brick and mortar representation for the critical services we consume. My bank, mobile and fibre providers all have branches/offices/shops in the town closest to where I live (15km drive).

At each of these locations there is one or more necks that can be wrung if something goes wrong with my services

I know it's not really a solution for your nocturnal proclivities, but I think the argument holds. If you had to sacrifice a couple of your sleeping hours but you know you can sort your problem, then you migt be inclined to do so?

[daveshistory]

If all else fails resort to old-fashioned letter. As long as it's certified you will have proof of delivery. And then, if they continue to make unauthorized charges, it is your credit card company's problem. They are awake during business hours, and they WILL sort it out.