Hello,
You need to get a copy of the transaction statement on your (former) credit union loan and examine it, to see that your payments were credit to the account and what interest has been charged to the account etc. If you feel that there are payments missing, or you need to question interest charges on the account etc., then go and do this immediately. You might also try asking them to set the interest rate to zero on this account given your difficulty in making payments, or at the very least ask them to reduce it, if this has not already been requested.
I think the next step for you is to get a professional advisor. It's a shame that the PIP in Kerry didn't work out, but I think you need the help of a professional. Have you stopped dealing with the service provider in Kerry, also asked for some of your money back, if you feel that the didn't provide a good service etc. ?
Without knowing your full circumstances, asking people to speculate as to what chance there may be of a settlement being reached, or what figure might be accepted, is like asking how long a piece of string is. Even with full information, no one knows the answer for sure.
It's quite possible that you may need to go through the insolvency process to obtain an overall permanent solution here. Most credit providers will not agree to individual deals without full visibility of your circumstances in documented form and usually, they will only do something as part of a formal, overall debt arrangement. Have a look at the [broken link removed] and give them a call, to see if they might recommend a couple of good PIPs.