Standard Bank and thel 25% surcharge on my home loan

Now that I have established that Standard Bank removed my name from the title deed to my property, which constitutes breach of contract, II would like to know the following: What happened to the additional R98750, 00 (25%) of the original loan. This money, in your words, will never be advanced to me, but merely represents further security or cover ( over and above life insurance) FOR THE BANK should the bank be obliged to pay amounts on my behalf...in the event of default and/or insolvency on my part, for which I would have been liable. I did not default. You did. What happened to the R98750,00 which was registered in terms of my original bond? AND WHAT HAPPENED TO MY HOUSE?