I would make no offer at all. If the debt is from over 6 years ago and this is the first contact then they are out of time. The Council of Mortgage Lenders sadi that from 11/2/2000 anyone where contact had not been made would only then be asked for payment for up to six years.(posted 8157 days ago)I would simply write back and ask why the Coventry is not adhering to this agreement.