TS2446 Why does my apple Id refuse to accept payment method

I am trying to download apps on an iPhone 3 my Mum gave me I have a iTunes account but it won't let me use it when I try I get a message to fill in all details when I do it says after filling in my debit card details that payment method not accepted firstly why am I being asked again for payment details also why are they refused?
Any & all help will be greatly appreciated! Thanks in advance...
Regards Alan...

You will need to take this up with Apple - we are just users here, so we cannot help with such questions. If this is your iTunes account, then I'd start here:
http://www.apple.com/support/itunes/
(try the account & billing tab)

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