Thats just it, I do, and was unaware it had been returned. Trying to sort that out with my bank, as I had money there. But that's not my point, it's the fact that they just cut the phone off like you're some type of scum...........Virgin didn't do it, Orange didn't do it either........(Had problems setting D/D up in the past!!!!!!) they contacted me and I paid via card. In fact any creditor in the past that had been missed for some reason would ring up go oi and I would go oops heres the payment I'll look into what went wrong, and everyone was happy.............