New Zealand Law
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If someone is maintaining records about you, which are not correct, you can require them to correct the information under privacy principles. This is like a debt collection agency holding a black mark against your credit where the record is incorrect. So the next step would be to tell Sky that the information they are holding about you is incorrect, and that they have improperly recorded you as a credit risk, and you require them to look at the record and make corrections to reflect the fact that the default was your house sitter and not you. If they refuse, you can make a complaint to the Privacy Commissioner
That may not get you free of the special charge however, but wold be something that cold be negotiated to remedy the breach of privacy by holding incorrect information