Hello Pammie67,
Welcome to the community!
Fido had switched from their old subsidy model to a financed Payment Program for a couple of years now (see here). With the subsidised plans, the cost of devices was incorporated into the cost of plans (ie Small, Medium, Large, etc). With the new model, the cost of devices is separate from the cost of plans. Since your contract had just recently ended, you would have been financing the device and do not have a subsidised plan.
It was true that, with a subsidised plan, the monthly plan billing did not automatically get reduced. However, that was how those plan-types worked. It is was not possible to simply remove the subsidy from those plans so switching to a new plan without subsidy was required. It's possible that was one of the reasons for the switch to the Payment Program.
Since the device financing costs are now separate from plan costs, you will no longer have a monthly financing charge since your contract has completed. You should note that if you were receiving device financing credits towards off-setting the cost of the device, those credits would no longer apply once your contract has ended. Your monthly plan costs would remain the same, though.
So yes, it is possible for your bill to be cheaper without any monthly device financing. However, depending on the details of your financing, it's possible for the overal bill to remain the same if you were receiving monthly credits equal to the monthly financing charge. Now that your contract has ended, there would be no more monthly financing charge and no more monthly credit, you are only paying the monthly plan cost which would not have changed.
It should also be noted that any other credits you may have been receiving could expire. If that is the case, your monthly costs could actually increase.
You should note that this forum is community-driven and not intended as a venue for customer services. We do not have access to customers' accounts and would not know the details of your specific situation. If you would like to discuss your bill, you would need to contact customer service. In addition, they can also be contacted via Live Chat, Facebook, or Twitter. Those methods can be accessed via the contact page posted above.
Hope this helps 😀
Cheers
