While it is a kind offer, I think it's completely unreasonable of them to pay less than your complete balance. I'm sure they have rejected thousands or tens of thousands of people begging for their losings back, it would be ridiculously hypocritical to not do a full payout and if they decide to pay anything less than your full balance, I will leave my negative trust in perpetuity and encourage others to as well. It's amazing the amount of good will they're destroying by letting this drag out.