Full and final hoping it won't reset the clock on other debts that are almost SB

quarantine

I have 2 debts both with lowlife 
I have a 40 % off offer on both but I only want to settle one as the other I believe is unenforceable. 
I can either call or register online to settle it. 
My question is if I settle 1 account number can I reset the clock on the other debt ? 
If I register online im worried it will reset the clock. 
If i call and settle will that reset the clock. 
I don't have time to play letter tennis sadly so those are my options. 
Advice greatly appreciated 🙏 

adamp87

It shouldn’t as it’s a different debt. But they may then contact you about the other one regardless. Why is it unenforceable? SB or no CCA?

Personally I’d have everything in writing especially a settlement offer. I’d post it recorded & keep all their replies - you want a written agreement that the debt is closed & they won’t sell it on or chase further. 

quarantine

adamp87 said:

It shouldn’t as it’s a different debt. But they may then contact you about the other one regardless. Why is it unenforceable? SB or no CCA?

Personally I’d have everything in writing especially a settlement offer. I’d post it recorded & keep all their replies - you want a written agreement that the debt is closed & they won’t sell it on or chase further. 

Completly agree regarding the letters however I have till Monday to pay to take advantage of the 40%. 
The other debt is coming close to SB in Oct and its a telecommunications account which was terminated 6 and half years ago. The default was added much later so im willing to fight that case. 

sourcrates

One will not affect the other, also a debt cannot be counted as been acknowledged verbally, only payment or written acknowledgement can reset the time clock.

quarantine

sourcrates said:

One will not affect the other, also a debt cannot be counted as been acknowledged verbally, only payment or written acknowledgement can reset the time clock.

Thank you @sourcrates the advice is appreciated. Managed to get 60% discount in the end full and final. 
I did notice Lowlifes wanted alot of information to which I replied I was not interested in talking about anything else. 
1 left to go and a few months before it officially drops off. 
Any tips on how to buy myself a few months. Done the prove it method.