I Need a settlement offer valid for the next 30day

I Need a settlement offer valid for the next 30days from Real people because I'm going to settle my accounts after receiving my returns. They don't reply and after requesting them to send me a settlement they list me on ITC and hand over my accounts, why are they still treating people like this, Its disgusting and Inhuman that they want to just make more money by adding more Interest on my accounts now that I want to settle them, shame.