You rent a van from Banco Bad as Hell. It gets in an accident. You report it immediately.
They don't send an assessor. Weeks pass. Months pass. The van sits broken. You're still paying rent.
The mechanic gets so pissed off waiting, he finally snaps:
"COME COLLECT YOUR FU**ING VAN!"
You collect the van and drive away. FLAP. FLAP. FLAP. FLAP. Still damaged from the accident. Until it breaks down completely.
Same circus. They won't even collect it this time. But they STILL want rent. You send 40+ instances explaining the inoperable status and the exact GPS location of the non-functioning vehicle. Money money money money.
You stop paying. Why pay rent on a broken van they refuse to fix?
They send debt collectors. Then police. Then drag you to court with numbers that don't add up, tax adjustments that would make the taxman weep, and interest rates that break the law. Your job? Defend yourself. Their protection? The court won't hear your counterclaim. Want your money back? Start a whole new case. Pay twice to fight once.
YOU owe THEM. For a van that doesn't work. That they won't fix. That they won't take back. Like a chocolate coffee pot - utterly useless, but PAY UP.