You should ring accounts and let them know you are having difficulties.
I am pretty sure any business will want to keep customers, even through these difficult times.
The problem with any account problems is that a company has to know you are in difficulty, otherwise they cannot rectify any issues you may have. They may even be able to either change the date they take the direct debit or indeed agree to another form of payment.
Don't worry, just try talking to them first.
Try reading this for more help
https://www.virginmedia.com/help/billing-and-payments/payment-issues