Default on credit file

[Jofiomo83]

In 2022 I left sky, returned my equipment in the box that they provided. Then today there is a default on my credit file for £165 as they have said I haven't returned my equipment. This is crazy, I've never had a default. How do I get this removed. I am in the process of going through a mortgage and I really don't need this. My last name is also incorrect on the default which is odd. 

[Daniel0210]

@Jofiomo83 

So are Sky still chasing you for the actual return of loaned equipment or is it just the credit rating impact? Do you still have the proof of posting it back even after 2 years?

[Jofiomo83]

I haven't heard anything from sky and no sadly and annoyingly I don't still have proof of postage either 😔

[MightyQuinn]

Hi @Jofiomo83   It is normal to dispute a default on your credit file with the credit agency (experian, equifax, etc.), then they represent you on your behalf. However just to check if Sky can help you:

I’ve escalated your post to the Community Messaging team who will invite you to a private chat shortly and help you with this. 

Just look out for the colourful bubble to start the conversation.

Here's more information on how Community Messaging works - https://helpforum.sky.com/t5/Did-you-know/Escalating-a-post-to-a-Sky-expert/ba-p/3711147

[Jofiomo83]

Thank you. 

[Jofiomo83]

I haven't seen a colourful bubble? 

[Daniel0210]

@Jofiomo83 

You haven't been sent the invite yet.

You need to watch out for a post from one of the team inviting you to a private chat and then you should see a blue/red speech bubble at the bottom of your forum page. You’ll have 48 hours to click on it and start the private chat or it will close automatically. If you fail to respond to a chat reply within 48 hours the chat will again close down automatically even if your issue hasn’t been resolved. Replies from Sky aren’t instant so you’ll need to check the chat thread fairly regularly.

This link explains what happens.
https://helpforum.sky.com/t5/Did-you-know/Escalating-a-post-to-a-Sky-expert/ba-p/3711147#M1014

[Greenfingers001]

Thanks for escalating this. We’ve sent @Jofiomo83 an invite to chat.

[Rachael731]

I have just had the same thing happen,  I sent my box back years ago and they have just default my credit file!

[Rachael731]

I am very, very annoyed at you SKY TV.

I came away from you in 2021, I sent back my equipment to you, you told me you didn't receive it, this was posted back to you through Swineshead post office. 

At the time you said you didn't receive this I sent several emails to you to confirm it was sent minus the remote control as my sky one broke and I replaced it with my own one for all remote.

You have now impacted my credit report advesly as you have sold this fraudulent debt to a 3rd party who has now sent me communication and the default is on my file (which I will be raising a dispute for shortly)

I have received several requests from you to come back, however because when I tried to resolve this matter in 2021, I felt that the lack of communication and customer service left me with a very bad taste in my mouth.  This latest action is not helping with your brand either. I see also from this site that this is not a one off.

You need to contact me in the next 7 days to ensure your company inform the financial institution that bought your debts for probably 1p to the pound that they can quash my default and take this elsewhere. 

This is egregious behaviour, I thought you had just got my equipment and failed to let me know as I heard nothing after my last email. I have all emails regarding this in my archive and will be able to proove that you have fraudulently claimed I owe you money for equipment that I sent back in your return package supplied.

Doing this during the cost of living crisis is despicable behaviour and will not make your brand successful. Especially as there are far more cheaper streaming options available.

[Daniel0210]

@Rachael731 
In case you aren’t aware this is a customer to customer forum and you’re not directly contacting Sky Customer Services by posting on here.

Have you still got your proof of posting the equipment back?

If you have the proof you should send a copy to the third party debt collection agency and contact Sky. Please don’t try to post an image of the Royal Mail tracking or postal receipt as Sky don’t allow them on the forum.

[Rachael731]

Hi, no I wasn't I thought this was to raise issues with Sky. Thanks for the heads up, I'll leave this here as I think others may find themselves in this situation.

Thank you very much

[Daniel0210]

@Rachael731 

I edited my post at the same time you were posting. I added a couple of lines. 

[Rachael731]

No I don't think so it was in 2021 and when i tried to contact them they never replied, I had emailed to them that it did not contain the remote as it had broken,  but they never replied to that email. I didn't get any notification of default either and they charged my account after I sent it back. It was a mess that I had l9ng forgotten about tbh.

Then this just happened out the blue. My credit is clean and they have put it down.

Annoying!

[Daniel0210]

@Rachael731 

Sky don't use email for general communication which will explain why you didn't receive a response.