Hi, i am struggling financially at the moment and have written to my creditors offering reduced payments and supplying a budget sheet.

Citifinancial (with whom i have a personal loan with) have told me they cannot accept reduced payments unless it is at least half of what my normal monthly payment would be. This is still a bit too much for me to afford. Can they force me to pay at least half? Or should i stick to my guns and keep offering the amount i can afford?

Any answers gratefully received.