Misleading cancellation

When I recently decided to switch my home loan to a different bank (due to SB being unwilling to even consider renegotiating interest rates) I went out of my way to make sure they were given 90 days notice so I wouldn't have to pay any early settlement fees. 5 months later (2+ of which were due to delays in the deeds office) the registration is finally finished and the new loan active.<br> <br> Standard Bank however has deemed it appropriate to charge me an early settlement fee anyway because I didn't cancel the bond WITHIN 3 months. When I specifically asked about the expiry date on the cancellation notice originally I was assured that it just means that's the earliest I can register without paying any penalties. <br> <br> When queried via their call centre I was told sorry, but too bad, I had to re-notify at the 3 month mark and hope it registers close to the next 90 day anniversary. After that the agent disconnected me after asking for an explanation of how you can get a bond registered in a single day.<br> <br> Not only did they misrepresent their process and charge me a fee that I was doing everything to avoid, they effectively made me pay their noticeably higher instalment for an extra 3 months.