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cancelling contracts/direct debits - advice pls
Former Member
Posts: 1,876,323 The Mix Honorary Guru
So I will be moving house in the next week or so, and if I find somewhere that already has sky/Internet etc, then I won't need to transfer either from where I'm currently living......but as I'm currently tied into 12 month contracts on both, I was just wondering what's the legal consequences of just going into my bank and cancelling the direct debits for these? am i liable to get shafted in any way?.....would something like that affect my credit rating etc?
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Do you mean you're moving in with someone who may already have sky/internet ? Or are you just moving house. If you're just moving house you can take your Sky/ISP with you.
That's what we did, there was already a dish here, so we just took our box and cables for Sky with us and transferred the account to this address. Same with broadband, just transfered it to the new address and number. The Sky thing was instant, the broadband took a few days.
Okay, question: how will they know where to send the bill/track me down? I'm not planning on giving them my new address lol......
yeah RS i mean if they already have sky/internet in the new place, otherwise i'll just transfer them across like i did last time......
Well companies do have ways and means at their disposal to track you down, electoral roll for one. Sure there are many others. You could ask them to cancel their (the peeps you're moving in with) contracts, if they're not bound by them, and move over to yours ? But then i'd imagine they'd be happy with what they've got at the mo. Just a thought.
Doing a moonlight flit on your bills is never a good idea, things always find a way of catching up with you.
And, although i don't know for sure, it may affect your credit rating.
And it will affect your credit rating, as you will be breaking your contract and so a default will show on your credit file.
It probably would affect your credit rating as a default would show up, although there are ways and means of getting around this. It is possible to abscond on debt and get away with it, but you can't take any financial product with you when you go, otherwise there's a huge paper trail. Your bank will notify Sky or its appointed DCA where you are.
You'd be better off paying your debt, to be quite honest, if you can afford to. DCAs are very nasty, and they will hound you as much as they can, especially if the fuckers get hold of your telephone number. It's amazing how many DCAs will tell you that you will go to prison and lose your house and children if you don't pay your debt- what's worse is that people believe them.
They don't have to. I had this argument with Telewest.
Most debts aren't bought these days... maybe 5-10% are, but that's all. Most DCA's collect debts on behalf of the company.
Our (personal and professional) experience is otherwise.
Not that it bothers me personally, it means you can get some tasty deals if you offer a decent full and final settlement figure.
But it does mean that you get the lying filth at the DCAs hounding and harrassing people into submission with fabricated threats of repossession and imprisonment. The DCAs know that people don't know the rules, and so say everything and anything in order to scare people into coughing up money they can't afford. Which is why if you do know the rules you can screw the bastards- I took great pleasure in making one DCA person cry when he rang me up at work (a large law firm) without my permission (I hadn't given him my number), reminding him that he was breaking the law with his call. He was snivelling, the pathetic little thing. I should frame the grovelling letter of apology I got.
Telewest did with us after a big long fight.