Without income, I am worthless to them, too :/.
Payback thought that I wanted their service anyways/they don't know of this, so I am a Payback member without having wanted that… well, because of their letters on paper - a real waste in sense of nature, probably I'll put a "no advert"sign on my mail box later, if I have my own house/flat, too - I quit the membership.
I lost some time, got back two ice scrapers. Now I've only to wait until I've a car and no garage ;)