Giving back a loan

[Viewofthesea]

I took out a bank loan a few months ago. I'm not going to say exactly for what but it was to help a parent. The funds are still sitting in my account. That parent is so ungrateful and I do suspect she has the onset of dementia too. She was absolutely horrible to me tonight all because I was working hard all week and the schedule for the upcoming week is all over the place and she wasn't able to make sense of it. She followed me around the house shouting at me to tidy the sitting room of all my belongings and get my stuff out from there because she's going cleaning tomorrow and she's wants everything I own gone from the place. Yet the loan I have is to secure the home that she couldn't be bothered paying and sorting out herself. I get no rights and be treated like an animal whenever the mood strikes her and this time all because I have a job that has decided to work me into the ground for the past week for next week too and other weeks too. Awful.

My question is, can I cancel this bank loan? Will it just be a matter of releasing the funds from my own bank account back into the loan account. Will it all be paid off then? What happens when a loan isn't used?

Contact the bank and get a settlement figure, then just pay it back. When they send you a settlement figure they will also tell you how to pay it back.
There may be some charges
This scenario sounds familiar though, did you post saying you were going to do this?

Of course you can pay it back, but you’ll have to pay any accrued interest and an early repayment fee.

What you can do, to mitigate the ER fee as it’ll be high as you clearly owe nearly the full amount - is pay back most of the loan, say 95% in a lump sum. Then wait till next month and get a settlement figure and pay it back in full. The early repayment charge is a % based on how much you owe.

But there is no point paying interest on a loan you haven’t used.

Yes you read the scenario before. You guys were all right.

A brother asked me to help and I wanted to help and for the past few months I was going to do it and help but my mother hates me. She has no respect for me because I was born female. I had a long week over the past week. I went i to work On Friday at 8.30 am and it was 10.30 at night by the time I was finished work and home and my mother was in bed. I got up On Saturday morning just to rush back into work. Since then she's been in a mood with me. I suppose because she's not getting enough attention or something. I don't know. She tore about the house tonight after me, just shouting at me to clean up everything I own because she wasn't able to make sense out of my upcoming week. The plan from the summer was to help pay off the home but all it was is was just taking out a loan to keep her at home and become a carer for her while she treats me like dirt. My brothers live abroad. They don't see her. They don't know her. I am on my own with suspicions of dementia in that woman.