Settlement figure advice

beckyboo2

Hi there, first time on here, having split from my ex I am now almost there as far as having paid off all the debts. But there is still a loan secured against the house which he has let get into arrears. I'm in a position to pay off the arrears and would like to offer them a settlement figure as I cannot possibly afford the repayments (as well as mortgage bills childcare etc by myself) and there is not the equity in the house for them to get it back if they try to repossess (which I assue they will)
I have spoken to them today and they have said once the arrears are paid off I can send them an offer of a settlement and they will decide if it's enough or not.
A few months ago the ex, on ANOTHER debt, was offered a settlement on that and they asked for about 1/4 of it's face value! So what I would like to know is, where abouts, percentage wise, do you think I should start with my offer and, realistically, will I have to pay the whole lot (which I can't actually do) or do you reckon I might be able to negotiate them down?

Thanks for reading, any advice gratefully received as I have been basically groping my way along in the dark dealing with all this lot!

BeckyBoo