Deregister-cannot Renew current.

After my accident in September 2012,written off in Oct 2012,paid November 2015 minus the money for getting the registration papers from the bank.When i wanted to renew my current car in 2014 I then discovered that the written off car is still in my name & was told they have been waiting for the papers from the bank.Checked last week the car is still in my name & there is penalties?Been driving around with a piece of paper to just show but no disk.Now I must go back & fight the same battle.Am tired of this now & not interested to be sent left right up down in their branch.