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@bella_again wrote:

I have googled this but nothing works.  Can someone please tell me how to switch off message bank/voice mail in a nokia lumia? And how to make sure its not downloading stuff in the background.  I've turned everything off on it but my credit went in like .10 of a second lol! I am too scared to get more credit in case it goes again.

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Is it a new phone?

It might be dowloading updates. If you've been on the same plan for a while it might be a good idea to adjust it for one with more data allowed. The newer ones include bonus data. 

Who is your provider? maybe you need to ask them to switch off message bank?

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@bella_again wrote:

I have googled this but nothing works.  Can someone please tell me how to switch off message bank/voice mail in a nokia lumia? And how to make sure its not downloading stuff in the background.  I've turned everything off on it but my credit went in like .10 of a second lol! I am too scared to get more credit in case it goes again.

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You Tube it.....
It is the best source of info these days. 🙂