Hi, hopefully this is is the right place to post. I took out a personal loan with Tesco bank back in 2014, Shortly after I ended up moving overseas. I continued to pay this loan but in 2016 I had a few personal difficulties and couldn’t make payments. I am currently still overseas and had an email recently come through from Lowell that they now have taken on this debt. i haven’t made payments since 2016 so just over 2 years. the amount was a fair amount £16000 left. my financial situation isnt great currently but I did contact Lowell back and explain to them the situation. I did offer some money I had received through a gift of £2000. As a full final settlement. They did not accept this as I thought would be the case and offered a 50% discount.T i explained again I really can’t make monthly payments and ended up emailing saying I can’t get this debt down currently and the £2000 is what I could give or monthly payments of £1 (supposed to be sarcastic) i found this surprising they emailed back saying yes £1 payment a month is fine? this has just set a bad feeling for me as I have no idea why they would want £1 payments it would never be resolved? I really do want to do the right thing and fix my mistake but I just have a bad gut feeling about accepting this £1 payment. is this normal and what should I expect going forwards?