When it comes to keeping up a good reputation, you’d be hard-pressed to defend debt collectors.
While it seems a bit unnecessary to bombard you with strongly-worded letters and make phone calls to you at all hours of the day, it could be argued that we all have to pay our debts at the end of the day.
However, there are occasionally ways around this and certain loopholes you might be able to figure out.
We take a look at Sky debt, and how you might be able to write off Sky debt, as well as any additional loopholes you might be able to manoeuvre.
Sky – the basics
If you’ve received a letter from Sky about your bill, then you may be a little concerned. The best plan of action, however, is to be really active and diligent in gathering information about your account, so that you know exactly what they are contacting you about.
Sky is the UK’s largest pay-tv broadcaster, with over 12.5 million customers as of 2018. On top of their television services, they also offer Sky Broadband and Sky Mobile. If you have any accounts with any of these services, then you will be expected to pay a certain amount of money each month for the privilege of using them.
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Billing & debt management
As Sky has a huge number of customers who use their services, they have fairly streamlined billing and debt management resources available. Many of the services they offer with regards to billing and debt management don’t actually involve getting in touch with them at all, which can be preferable to many.
The Sky website has a very concise section dedicated to billing and debt management, with lots of the more commonly-asked questions being answered. There is a different part of their site dedicated to Sky Mobile.
Restricted Sky account
One of the big threats of not settling your Sky bill in time is getting your account restricted. When this happens, you’ll be obliged to pay off the outstanding balance in full before it can be reinstated.
This can add up to quite a lot, so if you are having trouble paying your monthly bill, or miss one of your monthly payments, you may receive a strongly-worded letter from Sky regarding your bill.
They could even sell your debt on to a third party, such as a debt collection agency. In this instance, you will have to deal with the debt collection agency directly.
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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question calculator so you can quickly and easily find the best debt solution for you.
The benefits of managing your account
The self-service options they offer means that you can deal with your bill quicker and more conveniently, and you don’t have to go through the nightmare of spending hours on the phone waiting for a representative to speak to you.
The online service also means that you can keep track of your bill and check up on it at any time. It’s also much easier for you to update your personal details if you have any changes to your situation.
Sky debt – write off
Owing a debt to a massive company like Sky can be a huge headache. They often have the resources to chase you up relentlessly about your debt and this can be an upsetting experience for you.
No-one wants to get forceful letters asking to pay back money you may not realise you owed, or to have a whole load of phone calls asking for debt to be paid.
There are ways and means that you can write off Sky debt however. There’s a couple of loopholes that have been reported to get your Sky debt written off, which we will go through.
New direct debit
One of the loopholes for a Sky debt write off involves the promise of opening a new direct debit with them.
It’s been reported that if you have an outstanding debt with Sky, which might lead to your service being restricted, they will call you up to discuss your payment options.
If you explain your payment options to them, as well as a payment timescale, if it doesn’t look like it’ll work out for them, they have been reported to write off the Sky debt and start again, as long as you open a new direct debt with them.
It’s often quite preferable for companies to keep their customers rather than have them pay the debts they owe, as in the long run, they could end up making more money from that method.
Sometimes companies like Sky will raise their prices. This can be a really stressful time as suddenly, you owe more than you thought you owed. Even if you’ve never had an issue with Sky, sometimes a surprise price hike can seem like a bit of a joke.
In these instances, one way you can get a Sky debt write off is to call them up and discuss this with them. As with the new direct debit option, Sky would much rather keep you as a customer than lose you outright.
Another clause that companies like Sky have to be aware of is the fact that you are legally allowed to exit your plan without having to pay any fees if the bills are suddenly hiked up – meaning you could get a Sky debt write off. So if you’re looking for a Sky debt write off, call them up today at 0330 041 3130.
Payment not taken
Another way of getting a Sky debt write off is more of an error rather than a tip or a trick you can do. It is still a loophole worth looking out for though, so keep it in mind. Sometimes Sky will forget to take a payment from you if you’ve signed up to a direct debit with them. This is, of course, completely accidental, and can be anything from a technical issue to a forgetful employee.
When this happens, they’ll often reach out to you after some time claiming that you owe them a wedge of money. They’ll paint this as a debt that you now owe them. In reality, it is them who have made this error. Once you realise this error, you should call them up and get them to explain everything.
As with the other two loopholes regarding Sky debt write off, they would much rather have you as a customer than not. This often leads to them writing off the debt they say you owe, as they are the ones in the wrong. They may also end up offering you some extras in addition to the Sky debt write off, so it’s worth keeping an eye on for sure.
What happens if I don’t pay Sky bill?
If you don’t pay your Sky bill you will likely lose your Sky services such as TV, internet and phone use.
How long after missed payment do Sky cut you off?
Sky will cut you off following a missed payment after 10 days of not settling your debt. After the 10 days of not paying your SKy services will be restricted.
Can I get a payment holiday with Sky?
Yes. You can have your repayments deferred for 1, 2 or 3 months. This period will be added to your agreement length.
Why is my Sky bill so high?
Your Sky bill might be so high based on your loyalty to Sky. If you joined the service on a cheap deal then you may have had your prices increased to a more standard Tariff after time.
*Note: This is a real life example based on a customers’ savings data in October 2020.
Those are just some of the ways you can negotiate a Sky debt write off. They aren’t necessarily set in stone loopholes, and some are merely pointing out the mistakes they themselves have made, however they are all methods of Sky debt write off.
Debt write offs are quite a contentious issue as well, as it often ends up with other people paying for the debt write offs via increased subscription charges. If it can be done, and you can find a good loophole, then a Sky debt write off isn’t out of the question at all.