My Credit card registered on XBL had expired so of course when it went to renew my subscription it failed.
They suspsended my account for it

Only option it then gives is to renew the 12month subscription
Phoned them up and it's sorted now, told them I was going to get a voucher and they changed it from suspsended to expired, which then let me go in and select XBL silver.
Not sure If I will renew it depend if I want to play anyone online (probably will), all I really wanted was to get it unsuspended so I could download updates to games and demos.etc
Since it's paid in advance you'd think if the payment fails they'd just swtich it to silver or something not totally suspend the account
Let this be a warning to anyone else who's account is up for renewall soon, you need to either update your credit card or get it set to silver or it will just get suspended