AFRICAN BANK REFUSAL TO GIVE SETTLEMENT LETTERS

Dear African Bank i have a personal loan as well as a credit card with you. I have called countless times as well as spoken to maybe 3 different consultants. I need settlement letters asap. If i don't get it, how will i pay you? Is it that hard to get a settlement letter? Why do you want to keep me in bondage? I want to settle and i will use this to defend my case that i have offered to settle but no settlement letter was provided after asking countless times.