The way that you've written the original post doesn't tie up with what is in the advert as she is saying that "If you cancel with 24hrs or less, the entire balance is due. If balance isn't paid in full within 6hrs of the cancellation, an external credit agency will be engaged to recover the debt. Please note this may impact your credit file." I would never pay a deposit to any independent sex worker so it doesn't matter but it would be a very good reason not to pay a deposit in the first place. You would have to really wonder about any guy who did go through with it all.