settlement of account

<p>i bought a new lounge suite from bradlows a few months ago, now i would like to settle, on request for a settlement amount i was told it is the same as the amount owing? surely i should get a discount of some sort, is it expected of me to pay all the interest calculated forthe period of the agreement.</p> <p> </p> <p>why should i settle then i might as well continue to pay the monthly instalment, i realy would like to settle the account but if i am being penalised for settling the account why should i settle</p> <p> </p> <p>i thought we are encouraged to pay things of earlier but not if we are being forced to apy all the interest as well</p>