Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Essex & Suffolk Water
by daveiron Today at 8:49 pm

» ...If they can do it so can we can't we?
by ceylon Today at 8:19 pm

» UK Column
by ceylon Today at 5:01 pm

» in house enforcement agents
by Sharpysparky Today at 11:10 am

» Intrum Finance letter advice please.
by Ithesoul Today at 9:55 am

» Another noob faced with a DC
by onak Today at 2:19 am

» Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers
by waylander62 Yesterday at 8:39 pm

» CCJ
by Taz Yesterday at 6:23 pm

» Latest from CrimeBodge
by LionsShare Yesterday at 5:45 pm

» Hillary Snuff Video Resurfaces! Horrifying!
by handle Yesterday at 4:22 pm

» ...Is this proof privatisation does not work?
by ceylon Yesterday at 12:34 pm

» Reality chat with peter howard and company
by Society of the Spectacle Wed Sep 19, 2018 7:34 pm

» NIP - speeding with photo evidence
by daveiron Wed Sep 19, 2018 5:12 pm

» ...Brexit are you taking the piss?
by ceylon Wed Sep 19, 2018 2:12 pm

» The End of London. Prepare Yourself.
by ceylon Wed Sep 19, 2018 10:56 am

» CCJ Delivered. I was unaware as i dont live at the address
by MEATBALL Wed Sep 19, 2018 10:31 am

» Motorists could face £100 fine for driving too close to cyclists
by Ausk Wed Sep 19, 2018 9:55 am

» Treason May or Peter of England
by assassin Wed Sep 19, 2018 1:31 am

» new PPI ruling
by handle Tue Sep 18, 2018 11:30 pm

» Ozone Therapy
by Kestrel Tue Sep 18, 2018 8:30 pm

» ...Who wants to travel 10 years back in time?
by ceylon Tue Sep 18, 2018 7:34 pm

» 5G & Smart Meters
by daveiron Tue Sep 18, 2018 11:59 am

» Drydens Fairfax
by Swan Tue Sep 18, 2018 6:38 am

» This just sums so much up....
by Kestrel Tue Sep 18, 2018 6:15 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Sep 17, 2018 7:17 pm

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Sun Sep 16, 2018 9:52 pm

» Watch This!
by LionsShare Sun Sep 16, 2018 4:09 pm

» ...Would a high vis vest put you off sex?
by ceylon Sun Sep 16, 2018 12:16 pm

» Hello Everyone,
by freeland Sat Sep 15, 2018 4:08 pm

» ...Are there any more signs of a coming financial crash?
by ceylon Sat Sep 15, 2018 1:31 pm

» ...Does the UN plan to destroy Europe?
by Lopsum Sat Sep 15, 2018 11:23 am

» Statute Barred after set aside
by daveiron Sat Sep 15, 2018 10:32 am

» My personal favourite
by chong Fri Sep 14, 2018 9:27 pm

» Let's Have Some Tunes thread.
by chong Fri Sep 14, 2018 9:21 pm

» ...Are the police here to protect you or rape your kids?
by ceylon Fri Sep 14, 2018 1:07 pm

» Bulk Data Collection By NSA and GCHQ Violated Human Rights Charter, European Court Rules
by ceylon Fri Sep 14, 2018 11:47 am

» Latest Rich Planet vids Richard Hall
by daveiron Thu Sep 13, 2018 7:05 pm

» ...BREXIT is there any evidence we are going to leave?
by ceylon Thu Sep 13, 2018 1:33 pm

» Cabot / Restons Claim
by waylander62 Thu Sep 13, 2018 9:55 am

» 3 letter system for DCAs (not debt purchasers) needed?
by daveiron Thu Sep 13, 2018 9:20 am

» National non-compliance day
by chong Thu Sep 13, 2018 6:09 am

» Data Protection Act 1998
by LionsShare Wed Sep 12, 2018 5:18 pm

» UK KIDS ...WANT DEAD BABY CELLS UP YOUR NOSE? NHS ANNUAL FLU NASAL SPRAY https://www.youtube.com/watch?v=tdGXQ61LCgE&feature=em-uploademail
by ceylon Wed Sep 12, 2018 4:45 pm

» …Does commerce control the government?
by ceylon Wed Sep 12, 2018 4:31 pm

» Cabot- is there a realistic chance to fight them?
by annap Wed Sep 12, 2018 12:58 pm

» justinian deception
by Ausk Wed Sep 12, 2018 9:29 am

» GERMAN COPS JOIN THE PEOPLES PROTESTS
by Society of the Spectacle Tue Sep 11, 2018 6:11 pm

Moon phases


Sky TV

Go down

Sky TV

Post by dianne1985 on Thu Oct 12, 2017 6:19 pm

Collectors acting as agents. I sent DCA New Letter 1 and received this reply:

"XXX Collections do not purchase debt. We are working on behalf of Sky who remain the legal owners of the debt.
Sky contracts are verbal agreements and no signed contract exists. Your use of the service is acceptance of the terms and conditions that were explained to you at the point of sale. Sky do not provide credit for their TV service and do not register details with Credit Reference Agencies.
You can find out all details relating to your outstanding balance by visiting www.sky.com/mysky and logging in using your secure details. If you cannot remember these details, you will be able to reset them and log in to your account.
Sky have sent you a letter to inform you that your account would be passed to debt recovery as per their arrears process.
Finally, please note that BPO Collections do not agree to any fees or charges you may wish to put forward both now and in the future.
If you have any disputes on your account then please provide details and we will be happy to contact our client on your behalf..."

Presumably, no physical contract means they cannot prove debt?! How do I argue this one?! It mentions they do not register detauls with CRAs, does this mean that they won't ever issue a default??

dianne1985
Not so newb
Not so newb

Posts : 20
Join date : 2017-10-02

Back to top Go down

Re: Sky TV

Post by assassin on Thu Oct 12, 2017 6:23 pm

They are relying on an "in action" agreement in which you agree a parol (verbal) contract with Sky, and this is reinforced by the fact that you used their service as "proof of consent" to their terms and conditions.
avatar
assassin
Admin
Admin

Posts : 1508
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Re: Sky TV

Post by dianne1985 on Thu Oct 12, 2017 6:35 pm

So do I have any avenue to defend this claim?

dianne1985
Not so newb
Not so newb

Posts : 20
Join date : 2017-10-02

Back to top Go down

Re: Sky TV

Post by aarons1950 on Thu Oct 12, 2017 8:17 pm

@dianne1985 wrote:So do I have any avenue to defend this claim?
Whats the debt for? Did you have Sky TV or phone or internet and use it? If you did then it is a service they of provided so what would be the arguement for disputing it?

aarons1950
Not so newb
Not so newb

Posts : 29
Join date : 2017-03-20

Back to top Go down

Re: Sky TV

Post by dianne1985 on Thu Oct 12, 2017 10:51 pm

@aarons1950 wrote:
If you did then it is a service they of provided so what would be the argument for disputing it?

That's what I am asking for assistance with, before I discovered the original Get Out of Debt Free forums I didn't know I could reduce debts via Irresponsible Lending Complaints and the 3 Letters Process so perhaps there is something I still don't know in regards to this debt.

dianne1985
Not so newb
Not so newb

Posts : 20
Join date : 2017-10-02

Back to top Go down

Re: Sky TV

Post by Tiggy on Fri Oct 13, 2017 6:40 am

You could just ring sky up, tell them you should never have taken on the package sold to you as you were in financial difficulty and couldn't afford it. Ask them if there is anyway they would write of part (if not the whole of it) as you're in severe financial difficulty and simply can't afford to make the repayments.

You never know.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Sky TV

Post by dianne1985 on Fri Oct 13, 2017 11:39 am

Thanks Tiggy, I will give that a try as there were certain circumstances that had an impact at the time when I took out the contract. I will give it a go and feedback what happens. Sometimes you need other people to point out the simple solution Very Happy

dianne1985
Not so newb
Not so newb

Posts : 20
Join date : 2017-10-02

Back to top Go down

Re: Sky TV

Post by petesomething on Fri Oct 13, 2017 2:50 pm

Hi,

Did they give you a bad service? Many people get letters from Debt collection agencies after people stop paying for the bad service from SKY. No internet, no or bad phones connection. If this is the case, do you really want to pay them?

http://www.dailymail.co.uk/news/article-3091022/Man-wins-1-500-payout-Sky-BILLING-25-hour-time-wasted-two-YEARS-trying-service-cancelled.html

Some people may just assume you do not want to pay the bill. Sometimes when people post on here it is best to give the full information, or else you could get given the wrong response.

If the debt was sold to a debt collection agency, your argument for them would have been "Have you bought the debt legally?" But at the moment you are dealing with their agent.

http://www.thisismoney.co.uk/money/comment/article-3064024/What-don-t-want-pay-Sky-s-higher-TV-prices-want-leave-Sky-Chat-staff-let-you.html

Before contacting SKY or any other provider, always check your rights under the terms and conditions and search online for extra information.
avatar
petesomething
Admin
Admin

Posts : 394
Join date : 2017-02-24
Location : NORTHAMPTON

Back to top Go down

Re: Sky TV

Post by dianne1985 on Fri Oct 13, 2017 4:02 pm

The truth of the matter is I could not afford the bill. I was offered for my arrears to be wiped if I reinstated my services. I did this several times. Having spoke to sky via chat today they claim that as I have had the debt wiped before they cannot do it again. They add that this 'deal' should have only ever been offered once and they were wrong to offer it repeatedly.

As I have already fought off one of their collection agents with Letter 1 and the fact that this won't show on my credit file I don't feel I need to push this further at this point. I am just trying to get all my ducks in a row!

dianne1985
Not so newb
Not so newb

Posts : 20
Join date : 2017-10-02

Back to top Go down

Re: Sky TV

Post by discodave4093 on Fri Oct 13, 2017 4:50 pm

BPO collections are easy to chase off, just carry on with the agent letters and never worry too much what they write back

Don't expect much help from Sky though, they're not that helpful. It's true though that Sky don't put anything on your credit files. I'm with them for my TV, phone & broadband and none of it shows on my credit files as I check my report regularly

discodave4093
Not so newb
Not so newb

Posts : 57
Join date : 2017-05-30

Back to top Go down

Re: Sky TV

Post by assassin on Sat Oct 14, 2017 1:24 am

@dianne1985 wrote:The truth of the matter is I could not afford the bill. I was offered for my arrears to be wiped if I reinstated my services. I did this several times. Having spoke to sky via chat today they claim that as I have had the debt wiped before they cannot do it again. They add that this 'deal' should have only ever been offered once and they were wrong to offer it repeatedly.

As I have already fought off one of their collection agents with Letter 1 and the fact that this won't show on my credit file I don't feel I need to push this further at this point. I am just trying to get all my ducks in a row!

Sky have admitted by their actions that they knew you were having financial problems and offered to wipe your alleged debt if you reinstated your services? this is very telling, if they knew you were having difficulty paying why would they risk losing income by reinstating the service, due dilligence springs to mind.
avatar
assassin
Admin
Admin

Posts : 1508
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Re: Sky TV

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum