I have been given an iPhone 4 - yes I know, I am a lucky person. However, it is locked to the previous owners Apple ID and despite having been given the password and pass number I can't erase all the photos etc. Apple Support wasn't able to help, can you?
I think the best thing that I can do is visit my local Vodaphone store tomorrow. Many thanks for your patience. Its a shame that I don't have a teenager in the house!
There's an None option when setting up an Apple account and you avoid giving any credit /debit card details. iTunes Gift Vouchers are an acceptable replacement and are easy to redeem.