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card advice

Hi all,
I recently had an aggreement for reduce payment to my card provider (hard shell)as I was struggling to pay the full monthly amount. My card had gone over the 15K limit and was at £15,700ish.Ive been advised that my agrreement is now at an end and I must resume full payments/interest. I may soon be in a position to pay the balance off which currently stands at £14,700 but when asking for a settlement figure I was quoted £15,066.2.
I am reluctant to pay out such a large sum if i can possibly avoid/reduce it.
Any advice would be gratefully accepted.

Cheers Dino

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