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There is no competition, you can not go anywhere else - and this is probably why MPI representatives behave like they don't owe you anything and you are just little p.o.s for them. Every MPI center has different rules or they just understand them differently (this is from my own experience ). Do not try to argue with the clerk (even if you are sure that you are right ) because he is putting it in your file and you are singled out in any MPI center. I owed them 40 $ for my last payment as it was overdue, they never sent me a letter that they are charging me 40 $ overdue fee but they did send me one that sounds like I'm the biggest criminal in the province. ??? MPI should be reviewed and reconstructed.