I did a factory refresh last weekend because of problems with my Tivo HD. After the refresh everything works fine but I get no pay channels. When I go to a pay channel the screen pops up with the cable card info and a message to call your cable company for service. I have called Charter 3 times and they said everything on there side is fine and they will have to send out a service rep and charge me $45.00. Has anyone had problems after a refresh getting a cable card to work. All the cable card menus and tuning adapter menus look correct.