1. About the IP, I'm pretty sure it's the same for UK, all you need to do is go into your wireless router setting with 192.168.1.1 in the browser.
Prompt your login info which most likely are: admin / admin
click on clone mac address, change 1 alhpabet or digit on the MAC address, click save,
unplug the power cable to your modem, plug it back in, go to:
IPBurger.com
and see if the IP is different.
2. Prepaid cards can be VCC or gift cards. You buy them at a store say with $10 in it and you pay an extra $5 for the cost of the card. This card tend to have an expiration date that doubles a regular debit / credit card.
You use the prepaid card to verify your account in PP by clicking on "Add new credit / debit card"
The guide should be clear to what to do step by step. Try to reread it and note things down on a piece of paper.
So:
get a checking bank account, use it to verify your PP by verifying the 2 little desposits PP makes. THen use the prepaid card to lift your withdrawal limits.
Do these first, once you are done, come back here and ask for more tips.