When you say "I have to pay to watch, download or keep" are you say no films appear as £0.00 for you or that you are being asked to provide your payments details ?
If the former then I would get in touch with Sky Store support tomorrow as they have a live chat you can use that is available from 11am-7.30pm Monday to Saturday and can be found here:
https://www.skystore.com/help/contact-us
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