Unhappy fnb loyal client

I've have been sent from pillar to post just for a settlement letter... You would swear that the consultants I've spoken to work for different banks. Information you get is conflicting. I have paid up my loans which I haven't defaulted once, so I don't understand why I have to wait 45 days for a letter to confirm this. It is inconvenient as this is depriving me an opportunity to persue other financial interests. Can I kindly have those letters confirming that my loan accounts are paid up and please can they be closed. It's really upsetting and frustrating...