TERMS AND CONDITIONS OF STANDARD BANK

we bought a machine through asset finance at standard bank, we settled the account 15 months early, the discount we got we did not agree with. We have been battling a year to get this sorted. the eventual reply we received from standard bank was that we were lucky to receive the discount we got and that you pay off your interest first and then your capital. our contract does not read like that and we cannot find their terms and conditions anywhere on the internet stating that!!!