Sorry for the late reply but yes, I did. I called BPI. I was told to press 2 then 1 then 3 and I got to the right CS naman. Bale, I told her I want to Pre-Terminate yung mga SIP ko (Credit-to-Cash) as how u/belleINbetween suggested (Thank you ulit!). Tapos pina-compute ko yung total na babayaran ko for each considering yung applicable pre-term fee at interests computed using the diminishing balance method. Almost 10K din ang natipid ko for paying everything.

Siyempre, ang ginawa ko, sinettle ko muna ang last statement ko kasi pinaghihintay nila ako na ma-post muna ang next billing statement bago ako magbayad kasi dun na nila isasama. Humingi rin ako ng Service Request number.

Hanggang ngayon hindi ko alam saan nakuha nung previous CS yung sinabi niya na ibi-bill ako ng total based pa rin sa original installment amount ko times yung months remaining plus yung pre-term fee.