Settlement letter

I've called to settle my loan they didn't even give me a turnaround time as to when I'll recieve my settlement. Capitec is the worst bank interest rates so hight they have increased the term on my loan now I'm trying to settle my loan its a hassle just like when I settled my credit card it was a hassle. I have settled two accounts over the past week with other companies it was fast and efficient with capitec it's always long processes cause they ******