Poor service to the company that we commit and trust with our assets with inaccurate information

I had a home loan with standard bank and a vehicle finance after my husband passed on I manage to settle the home loan but there was no settlement amount I've asked but they said to me there is no settlement amount...but we where left with 17years ,with the vehicle we bought it in may 2017 and I willing to settle it now because they saying there was no life insurance but still there is no settlement they want the whole amount please help.