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Going crazy trying to cancel Sky

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  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    I came here because I thought people had more knowledge than me, clearly I was wrong!
    I'll leave you to it...:D
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    call them sat morning, never had an issue getting through
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • DevCoder
    DevCoder Posts: 3,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 6 October 2014 at 8:58PM
    I came here because I thought people had more knowledge than me, clearly I was wrong!

    On the contrary, all the advice here is correct, quite why you felt the need to ask the question about your credit file being affected if you cancel the DD when you "know better" than people who have expert knowledge in the industry is beyond me.

    Still, it's not my credit record, so since you don't want to listen to advice then do as you wish.
  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 6 October 2014 at 9:28PM
    krisdorey wrote: »
    Do not cancel your direct debit, they will probably just request the bank to re-open it anyway.

    Cancelling direct debits is always a bad thing to do.

    Not quite sure you couldn't find this, its the first google hit for " sky complaints"

    http://help.sky.com/articles/how-to-make-a-complaint


    That's not possible, only the account holder can authorise or cancel a DD, not the payee.
    Any bank doing that would be required to refund immediately under the DD Guarantee.
    But quite agree with you that cancelling is the worst thing the OP can do
    OP, you can't cancel by any means other than phone because only that way can they unleash retentions on you.
    No free lunch, and no free laptop ;)
  • DevCoder
    DevCoder Posts: 3,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    They will put the request in, the bank will see the account holder has cancelled it and refuse. The reason companies put the re-request in is in case the bank has made the mistake.

    This then gives the company the information that the account holder has purposefully cancelled/stopped the DD as opposed to just being a mistake by the bank. This is important for ensuring that there is a set chain of "facts" when a contract could be deemed to be coming into dispute.
  • DevCoder
    DevCoder Posts: 3,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    and yes, I should have explained that bit clearly. It normally goes,

    DD not honoured -> DD re-request sent -> Bank Refusal -> Notice to debtor of cancellation of DD and possible Default Notice.
  • jimkenyon
    jimkenyon Posts: 132 Forumite
    Don't understand your problem with cancelling. I cancelled today via live chat. Usual security details - name, account number, address and last 2 letters of bank account.
  • Kurtis_Blue
    Kurtis_Blue Posts: 2,217 Forumite
    Sky do not report to Credit Reference Agency's.
    Sky TV is paid in advance it is not a credit agreement.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    Sky do not report to Credit Reference Agency's.
    Sky TV is paid in advance it is not a credit agreement.
    While this is true, defaults due to unpaid debts do show on credit files. This is why it's unwise to cancel Direct Debits rather than simply cancel by giving notice.
  • Kurtis_Blue
    Kurtis_Blue Posts: 2,217 Forumite
    While this is true, defaults due to unpaid debts do show on credit files. This is why it's unwise to cancel Direct Debits rather than simply cancel by giving notice.

    Not from Sky they don't.
    Its paid in advance it is not a default of credit.
    Its not CREDIT so its not a default.
    They cease the service when you stop paying.
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