Top chills on text include Cancelling plans, asking someone to repay money and discussing relationship issues - but they're all out ranked by asking for a favour This article contains affiliate links, we will receive a commission on any sales we generate from it. Learn more View Image Never mind Halloween, it's

It’s the spookiest time of year - but this Halloween the ghouls may be lurking in your phone and not on the doorstep. New research has revealed that Brits are so freaked out by sending messages that we spend an hour a day agonising over what to say.

Cancelling plans (35%), asking someone to repay money (40%) and discussing relationship issues (27%) were among the most chilling subjects, according to the study by Sky Mobile .

But the most terrifying topic of all is

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