Do I keep paying?

To cut a long story short. 1)Repossessed in 1991 2)Shortfall demand in 1997 for #20000+ 3)Wrong advise from National Debtline who told me to return expenditure forms and keep on the good side of the lender,because the law was on their side!( if only I had seen this site) 4)Agreed a monthly repayment which has increased twice since 1997 5)October last year they said they would accept lump sum of just over #4000 6)Did not have the money so continued to pay monthly instalment. 7)Just received a request from them to fill in another expenditure form with a view to increasing it,also an offer for a lump sum settlement (no figures quoted) 8)I wrote back asking for the exact figure they would accept and the reply was twice the amount they said they would have accepted last year. 9) Ihave now repaid more than #4000 and I am really getting stressed out because it is obvious that the more I play along with them , the more they want. 10)I really feel like telling them to shove their expenditure form, cancelling the monthly payment to them and telling them to do whatever they want to. CAN ANYONE PLEASE ADVISE ME WHAT DO.

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