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    • Starbase804
    • By Starbase804 30th Sep 17, 12:03 PM
    • 10Posts
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    Starbase804
    Partial settlement flag
    • #1
    • 30th Sep 17, 12:03 PM
    Partial settlement flag 30th Sep 17 at 12:03 PM
    I have just found out I have a very old debt with orange, found out because capquest sent a letter offering reduced payment to clear. I double checked by signing up to clear score and it shows on my file but doesn't appear to be a default just an ongoing account but not been with orange since 2010. The debt is £170 but offered £60 to clear it as partially settled. Would this be bad for my "fair" credit rating or would I be better slowly clearing over a few months?

    Thanks

    Real experience would be good to hear from .
Page 1
    • zx81
    • By zx81 30th Sep 17, 12:49 PM
    • 13,688 Posts
    • 14,157 Thanks
    zx81
    • #2
    • 30th Sep 17, 12:49 PM
    • #2
    • 30th Sep 17, 12:49 PM
    Clear it.

    Ignore your 'fair' credit rating.
    • Starbase804
    • By Starbase804 30th Sep 17, 12:50 PM
    • 10 Posts
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    Starbase804
    • #3
    • 30th Sep 17, 12:50 PM
    • #3
    • 30th Sep 17, 12:50 PM
    Clear it by taking the deal or suck it up and pay the full amount?
    • zx81
    • By zx81 30th Sep 17, 12:51 PM
    • 13,688 Posts
    • 14,157 Thanks
    zx81
    • #4
    • 30th Sep 17, 12:51 PM
    • #4
    • 30th Sep 17, 12:51 PM
    Take the deal. The damage is done by the default. All you want now is it to show settled.
    • Starbase804
    • By Starbase804 30th Sep 17, 1:19 PM
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    Starbase804
    • #5
    • 30th Sep 17, 1:19 PM
    • #5
    • 30th Sep 17, 1:19 PM
    Getting a little confused now. Just checked clear score again and the amount on there for orange says £243 but capquest says £171.
    • Sparx
    • By Sparx 30th Sep 17, 2:09 PM
    • 741 Posts
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    Sparx
    • #6
    • 30th Sep 17, 2:09 PM
    • #6
    • 30th Sep 17, 2:09 PM
    Hang on a minute, when did you last make payment against this debt to Orange?

    When did you last acknowledge the debt with Orange and have any correspondence?

    Surely this debt is Statute Barred if from 2010 if you've not made any payments since?
    • Starbase804
    • By Starbase804 30th Sep 17, 2:12 PM
    • 10 Posts
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    Starbase804
    • #7
    • 30th Sep 17, 2:12 PM
    • #7
    • 30th Sep 17, 2:12 PM
    According to clear score and Experian the account is showing as in debt but not defaulted. Shows account started Jan 2001 . Every month to date shows a green tick on Experian but always the same outstanding debt of £253 or something like that.
    Bloody weird

    Oh and I've not made a payment to orange since around 2010 when I switched to three
    • nic_c
    • By nic_c 30th Sep 17, 2:18 PM
    • 1,027 Posts
    • 586 Thanks
    nic_c
    • #8
    • 30th Sep 17, 2:18 PM
    • #8
    • 30th Sep 17, 2:18 PM
    When did you last make any payments on it? Maybe the default was registered at £253, and then you made payments that brought the balance down to £171. The default balance is what it was when it was defaulted rather than what your current debt is.
    • nic_c
    • By nic_c 30th Sep 17, 2:20 PM
    • 1,027 Posts
    • 586 Thanks
    nic_c
    • #9
    • 30th Sep 17, 2:20 PM
    • #9
    • 30th Sep 17, 2:20 PM
    Have you checked it's just one debt? Not two separate Orange debts?
    • Starbase804
    • By Starbase804 30th Sep 17, 2:25 PM
    • 10 Posts
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    Starbase804
    Lender EE (ORANGE)
    Type Communications
    Current status Up to date
    Amount £243
    Date opened 17/09/2017

    Nothing about default on credit report but not paid a thing to orange for yrs.
    • cjmillsnun
    • By cjmillsnun 30th Sep 17, 7:26 PM
    • 215 Posts
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    cjmillsnun
    Date opened 17/9/17? two weeks ago??
    • Starbase804
    • By Starbase804 30th Sep 17, 7:34 PM
    • 10 Posts
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    Starbase804
    Lender EE (ORANGE)
    Type Communications
    Current status Up to date
    Amount £243
    Date opened 17/09/2017

    Nothing about default on credit report but not paid a thing to orange for yrs.
    Originally posted by Starbase804
    My mistake copying it. That was last updated date
    Date opened says 19/01/2001
    • nic_c
    • By nic_c 30th Sep 17, 9:09 PM
    • 1,027 Posts
    • 586 Thanks
    nic_c
    You say no payment to Orange, have you made payments via another source e.g. a debt company. Just it has gone from 243 down to 171, so payments at some point have been made
    • Starbase804
    • By Starbase804 30th Sep 17, 10:23 PM
    • 10 Posts
    • 0 Thanks
    Starbase804
    Not made a payment to anyone, was totally unaware of this until capquest contacted me offering the reduced payment . On their records I owe £171 and made reduction to £60 to clear debt but on Experian and clearscore it says the debt is £243 and not defaulted. Goes back years with every month having a green tick showing its up to date and no late payments but amount stays the same every month. It's very odd
    • Sparx
    • By Sparx 1st Oct 17, 11:52 AM
    • 741 Posts
    • 400 Thanks
    Sparx
    If you have genuinely not made a payment towards this debt or acknowledged it for 6 years - write back to Capquest and state as far as you are concerned the debt is Statute Barred. They've likely bought the debt for a quid and fancy having a go and see if you'll pay it.

    Can I just ask that initial copy/paste with the date of 17/09/2017 have Capquest lodged this account as open/default on a new record on your credit file? If Orange's initial record has disappeared (as it's been 6yrs) and then Capquest have just slapped it back on you need write back and ask they remove it immediately or you'll be filing a complaint with the ICO.
    • Starbase804
    • By Starbase804 1st Oct 17, 12:08 PM
    • 10 Posts
    • 0 Thanks
    Starbase804
    There is no mention of capquest on the clear score or experian report. It only mentions orange. What kinda wording do I use. It seems on the report that orange still have this as a live and non defaulted account
    • sourcrates
    • By sourcrates 1st Oct 17, 3:47 PM
    • 12,221 Posts
    • 11,664 Thanks
    sourcrates
    There is no mention of capquest on the clear score or experian report. It only mentions orange. What kinda wording do I use. It seems on the report that orange still have this as a live and non defaulted account
    Originally posted by Starbase804
    Cap-quest mange debts on clients behalf, so the debt will still be owned by Orange.

    If your dates are correct, and your sure no money has changed hands for at least 6 years, then write back to Cap-quest, CC in a copy to Orange also, informing them the debt is statute barred, and they should desist with collection activity.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Starbase804
    • By Starbase804 3rd Oct 17, 10:29 AM
    • 10 Posts
    • 0 Thanks
    Starbase804
    Just had an email back from orange.

    Here is their reply

    I understand you have received a letter from CapQuest requesting payment for an Orange account in your name. This account was sold to Arrow Global on 12/02/2013. They are now the data controllers of the account and we can’t discuss anything in relation to the account. We also no longer have visibility of the information shown on your credit file. If you have any questions about the account, please contact CapQuest. They should be able to help you and if there are any queries surrounding the information, they will contact us directly on your behalf.

    Does this change the situation at all?

    What should my next move be

    Thanks
    • nic_c
    • By nic_c 3rd Oct 17, 9:47 PM
    • 1,027 Posts
    • 586 Thanks
    nic_c
    Orange could confirm the last payment made to them and the date, or even provide a copy of the last statement. As it's sold on they can't discuss anything about the current status or the credit file. As has been said a stat barred letter to Cap Quest is your next step.
    • Starbase804
    • By Starbase804 4th Oct 17, 8:02 AM
    • 10 Posts
    • 0 Thanks
    Starbase804
    Thanks, is there a template letter or particular wording you could advise me on for the letter.
    Thanks
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