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Sky TV

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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??

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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.
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Re: Sky TV

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

So do I have any avenue to defend this claim?

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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?

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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.

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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.

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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

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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.
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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!

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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

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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.
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