Default Date Wrong but

teignmouthlifeguard

Hi everyone, So, back in 2019 I took out 2 mobile phones with Sky Mobile, I had TV with them also. Now our Child sadly passed two weeks after her 18th unprepared for the costs of this etc I basically had to raise £5k and this meant bills stopped getting paid, the last payment was in April 2019 for the mobile, after a couple of missed payments a company called BPO chased then it was a few other companies, I still wasn't in the position to address this debt so ignored it. The Sky TV continued as this was much lower, only like £20 a month and was good for helping our other children take their mind of things. We continued with Sky TV until 2023 when we ditched then for Free Sat. 

In 2023, Summer time I received two emails from Sky mobile, one for each phone, 

Your credit agreement HIDDEN for Apple iPhone XS Max, 256GB, Silver was settled on 12/07/2019 and no further payments are due. Sky Mobile never appeared on my credit report until a couple of months ago, they both show now with a default date of July 2023, which I suspect was when Sky Mobile sold the debt, 4 years after I missed my payments.  I have never received a default notice from Sky mobile, I had occasional contact from various little debt collection companies Now the debt would be statue barred in a few months time had Sky have been honest with the default date, I understand however if I challenge the default date the statue barred date resets? The new company who own the debt have passed it on to another company who do seem pretty nice, but I am not in a position to settle this debt  Can anyone help me please

DE_612183

what did the emails from sky say?

teignmouthlifeguard

DE_612183 said:

what did the emails from sky say?

Your credit agreement HIDDEN for Apple iPhone XS Max, 256GB, Silver was settled on 12/07/2019 and no further payments are due.

They didn't even send a default in 2023 or 2019 and the only reason I know is because on my credit file now shows a company with the wrong default date and the debt. 

DE_612183

ah, ok that makes sense now.

not sure why the 6 years would reset by just challenging the default date - but others may know better

sourcrates

The cause of action date is deemed to be the date of default, that`s why.

But if you can stretch this until July, you can use the date of last payment and see how you fare.

Otherwise I don`t know what to tell you, wait it out until they start a claim against you.