S A HOME LOANS SETTLEMENT BALANCE

I contacted S A Home loans to get a settlement balance as my husband was retrenched and we wanted to minimize our debt. I was told by the call center that they are not like any other bank or institution. The do not give discount on settlement balances. If you want to cancel your bond the amount owing actually goes up. If you want the bond to remain open you need to pay a monthly fee. When I asked why things like this never get communicated when the product was sold they lady just said I'm sorry. With 118 month of interest how on earth can your settlement balance go up and not down???<br> I feel that S A Home loans are just out to make money from you, they don't care about you as a client. Even in this situation that we find ourselves in they want to make even more money off you. Is this legal?