Don't know which bank you're going through such pain in the butt, but my bank will honor the 1st quote. Proper quote is, client need to send an official letter to bank, request for full settlement. Then the bank will issue a letter(*by snail mail!!! Normally I advise customer to get the bank issue back to the branch and self collect within 2 days), a letter consist of how to do settlement, total figure of paying back and within 14 days(from date of issuance) instruction. If the bank later doesn't honor it, customer can go tribunal pengguna to file complaint. If lucky enough you may get extra rebate from the bank as compensation

That is NORMAL case, I don't know how to help you.
1) Did you request for the said letter?
2) If yes, who sign the letter?
3) Must get everything official, don't let the cashier push you around. This can happen when the branch/person decide to fu ck with you as in stop you from ending the contract prematurely.
4) Go back and read your loan contract, what is the full settlement criteria? Some bank charge 3 months profits in advance. But if they mistaken on the letter, you can still sue 9 them and refuse to pay the correct amount.
5) Regardless, demand to see the branch manager. Give a call to your bank(general line), search for their hire purchase HQ, go direct to that place no need to take number, stand infront of all customer and talk loud² about your bad experience about the loan, you'll receive VIP treatment. Manager on duty will attend to your immediately and get things done.

Last but not least, go in the morning around 10am. Good luck.