I had taken a loan from public sector bank in the year 2004. we have paid installments for one year correctly and after then due to financial loss I failed to pay the bank. the bank went to the court and filed a civil case and proceedings are going on for some time. the court passed judgement in favour of court in preliminary proceedings. we have not any intention to write off the loan amount. can I have the option for one-time settlement with bank. Advice i in this regard?