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thank you for your quick answer.
that is a blow, more to my pride than anything else! I had originaly planned to pay him back by remortgaging - we were to sell both our properties and buy somewhere new together.
How much should I realistically offer in a monthly repayment plan if I can't settle the sum in one go?
Okay, thank you, Jo. Much appreciated. Not what I wanted to hear, of course, but much appreciated anyway.