It depends when the bill was produced but yes, there is a strong likelihood of some restrictions on your service, along with fees that come with late payments and suspensions, you'll need to request an extension so it's advisable to wait for the billing team, I think a lot are in a similar position just after Christmas, we're all feeling the pinch.
I'd also advise you speak with the Loyalty team as well, ask for an account review because £195 is quite a lot even if it's a quarterly bill, there might be better deals available or other ways to save money, the Loyalty team can't raise orders though if an account has debt restrictions.
