Hi Maggyj, do yourself a favour, if the problem is with Sky, call them and explain the situation to them, and l can assure you, if you want to stay with VM, and NOT with Sky, speak to Sky, and l am certain, they will cancel the card, there amd then, as the equipment is yours (l assume you bought the equipment) and you wil, still have freesat from Sky, l have Sky, and they are not as bad as people say, l downgraded Sky, and they accepted my decision, They do, do special deals for customers, that come from VM.
I am not trying to sell Sky, but they are much better at cs than VM.
Whatever, you do, don't stop making payments, AS you will be placed on the credit file, ITS AUTOMATIC.