Refuse to me a proper settlement

I have a loan account with Nedbank for the past 3 years. I request a settle ment amount and was given amount amount greater than what is currently outstanding. I inquire the the reaon for this and was advise I need to take the 23 months time the 23 months. Nedbank gave me a discount. Please explain to me why do I ahve to pay the amount if I want to settle the account bebore the time. Kindly get back to me. I log a dispute on your website which I was advise I need to wait for some to get back to me. WHY??? I need to have this settle soonest