Reap off

Hi <br> <br> After my acccount was arrears , I made some arrangemets with Nedbank and today I called their call centre to query the outstading balance which was given to me, I then asked the lady to give me the settlement amount and to my surprise their settlement amount was the same as the balance. The last payment of my loan will be next year,surely when you settling your account before the actual date there should be some discount,<br> <br> I am not really happy with this and I would like to know as to WHY would I be paying the same amount of the full balance if I am willing to settle the account before time, as far a I am concern the interest on the outstanding balance should be deducted!!!<br> <br> Is this within the credit act ? ? <br> <br> Thanks