Vodafone’s IOU service will channel an extra £2 of credit into your account when you run out, should you be out of mobile communication beans and simply HAVE to send that final sexy text before bed time.

There’s a catch, though – in return for handing you a £2 mobile loan, Vodafone will want it back the next time you top up, along with a 30p service charge. Vodafone has thought it through and will have you by the balls…