If there was an agreement between you and the bank, it can be enforced with a lawsuit, if necessary (a lawsuit is, unfortunately, the only way to enforce it if the bank does not voluntarily pay). That means that if you honored all your obligations, the bank has to honor its and pay. It can hold you to doing everything you agreed to do, but can't add additional requirements. If you feel you have done everything in the contract, then you could, as stated, bring a lawsuit for the money. You may wish to consider suing in small claims court, where you can represent yourself (no lawyer fees), the court costs are lower, and cases also tend to move faster; alternately, if enough money is at stake, you may wish to hire an attorney to represent you. Good luck.