Bank refuse to give a further settlement discount

Good Day,

I have made contact with the bank to get a further discount on my settlement figure. The settlement is currently R100 084.44 and have proposed to pay R60 000.00 as a full and final amount. As we all know vehicle's easily loose value and the value of the vehicle is currently R50 000.00.

I have been nothing but a loyal client to the bank and now they are declining my proposal without any valid reason. Does my account have to be in arrears for them to approve the request? I have paid almost R82 000.00 if not more into the account and now am being declined an opportunity to settle the vehicle account.

All am asking is for the bank to be more reasonable and treat me with fairness as their customer. If ever they are not accepting R60 000.00 ,I can then try to raise to R70 000.00 . I need the bank to give me a concrete reason as to why the offer cannot be accepted and as a consumer I am well within my rights to know the reason(s).