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Goodwill letter for payoff?


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Hello everyone. I purchased a vehicle in 1999 through Huntington Bank. My payment book shows that my last payment should be Dec 2004, however I made late payments (never over 30 days late) due to being laid off in 2002 and also by using the pass-a-payments and now I still owe about $5000. I am considering sending them a goodwill letter to plea my sad case :cry: and offer them $3000. Do you think they will agree to that?

If anyone has any ideas as to what I should include in the letter please let me know. Thanks in advance.

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