Partial settlement flag

Starbase804

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 .

[Deleted User]

Clear it.

Ignore your 'fair' credit rating.

Starbase804

Clear it by taking the deal or suck it up and pay the full amount?

[Deleted User]

Take the deal. The damage is done by the default. All you want now is it to show settled.

Starbase804

Getting a little confused now. Just checked clear score again and the amount on there for orange says £243 but capquest says £171.

Sparx

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

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

PixelPound

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.

PixelPound

Have you checked it's just one debt? Not two separate Orange debts?

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

Date opened 17/9/17? two weeks ago??