Higher Settlement Offered Than Balance Outstanding

I have been paying off an FNB Credit Card for about 18 months now, that is with their Legal Department. When I log in to FNB it shows the Balance of R2410.22. Each time the debit order goes off, this amount decreases. I contact FNB for a settlement amount, thinking perhaps it will drop to about R1700.00 as the interest will be less. I get referred to Barrett &amp