Guys

Is it true that if you were to make full settlement for your long overdue personal loan, better deal directly to the banks and not the middleman?

The middleman did agree on the discounted amount to fully settle my loan (still very high), but somehow i don't trust her, cos she was from recovery agent.

i got the money, i want to pay! Discount kaw kaw of course.

Eh. Thx in advance peeps.