NEDBANK - PERSONAL LOANS (PLEASE REFUND ME)

So in this week we spoke to a Consultant at Nedbank Personal Loans. They advise that if Nedbank debit the full amount then the Discount amount will be refunded to my Nedbank Account within 24 - 48 hours. Yesterday (31/07/2025) Nedbank debited the full outstanding amount. The discount given was 40% as per the Nedbank Letter dated 29 July 2025. Now they want to first get a letter from Norton Attorneys etc to get confirmation of the said discount. BUT why need proof or letter IF Nedbank issued a letter stating that they accept the 40% Discount Settlement and that is valid for 7 days from 29 July 2025. Also Nedbank already have the funds, the Account is R 0.00. It is very simple: JUST REFUND ME IMMEDIATELY.