Nearly all loans I have seen have a provision in the contract that the entire loan can be called at any time.
(The exception being overdrafts in Blighty which don't have fixed repayments agreed. Even then, the bank can't act unfairly).
Where do you live where this is the commonplace? Such terms would be laughed at here.
Check your loan agreement, I'm fairly confident there are ways for them to collect the full amount immediately.
This is very different from allowing the loan to be recalled "at any time" as you first stated.
Plus it isn't great for customer relations and poor people are great clients for a bank who knows they can hit them for more and more fees.
>under certain conditions
Pick a lane, marty