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Buying a PAYG. I have a question!

hi all.
i'm buying a mobile 2moro probably from car phone warehose. I'm miffed that i got to pay the extra £20 credit top up with the phone as i dont have a debit/credit card. if you dont know, when you buy a payg from them you have to do a minimum top up of £10 but thats ONLY if you pay by card. if cash you have to pay £20! :(

my question is, has anyone bought a payg from them and paid cash? if so do you HAVE to give them your details at the till point? like name address etc? also is the sim card with the phone registered with the £20 credit or do you have to add it yourself?

annoyed i got to pay the extra £20 as i dont have a credit/debit card so reluctant to give my details for any kinda sales junk etc.

thanks
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