Why does my iPhone keep asking me for a payment method when: one, my visa debit card has ran out of money and won't let me chose "None" or iTunes voucher? It's incredibly annoying now.

I AM ACTUALLY ABOUT TO SMASH MY IPHONE AND GET A NOKIA® BRICK IF THIS KEEPS HAPPENING.

Then do it....
Of course it wont let you chose none if you have a debt that isn't paid for.
iTunes Store Support
http://www.apple.com/emea/support/itunes/contact.html

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    Then do it....
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    iTunes Store Support
    http://www.apple.com/emea/support/itunes/contact.html

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