Hi Melanie,
Thanks for that, obviously i want to make them a reasonable offer so its accepted but the lower the better!
Your logic sounds good and if i add to that, that my contract at work ends in April so i could well be unemployed in 6 months, i think i may have a good chance.

I currently have an IVA, It was for 60months x £100, with an option to extend for a further 12 month if i fail to re-mortgage. My original debt was £22,705, over the length of the IVA they should get back £6,000 in payments, or £7,200 if i cant re-mortgage and they estimate £13,070 if i can re-mortg...