Stuck in bad place with good intentions. That's why good people do bad things.

I went through a bad patch in my life and all my accounts fell back in payments, long story short i have now some what recovered and paid off all my accounts except an FNB loan. They are hell bent on collecting the full loan amount and outstanding interest. I have this account for over 9 years now and have been making payments, most people would have cancelled the debit order waited for 3 years and got it written off. All i have asked is give me a settlement discount on the principal loan amount so i can live my life again.