Standard Chartered Bank — Extending Precloser loan as much they can possible

I had existing relationship with SCB for more then 5 years. When i tried to close the personal Loan. Initially they took 2 days to raise the request. After 2 days they give a call and stating 15 working days will take send the closer allotment letter.

Even though I I informed I have Emi due in between. They said please maintain the balance in your account. Not accepting the DD which currently available with me.

The response from bank also very poor. Cutting the call I asked who's responsible if my account does not have funds.

Playing with customer relationship. Due to this type of responce form SCB. I lost trustworthy with SCB.

Is this pre closer of personal loan really took this much time in all the banks.