Not standards Banks money

Myself and late husband has a bond with Standard Bank. My husband passed on the 20th August 2019. We fortunately had a bond protection which was finalised two weeks ago. The bond is sitting in credit and was told that the credit balance cannot be transferred to my account and I must open up an Estate Late account with Standard Bank. I have requested an official letter via email for the reason as requested by my Lawyer. The bond was in both our names with me being the primary buyer also I was the nominated beneficiary for the bond prptection. I have Sen through the required documents for the estate late before consulting with my lawyer, "I do not want the money to be paid to the estate late account as I am the beneficiary". It's been a week and no reply received. I need to pay to school fees, stationery and school uniform Why Standard bank feel they have the right to keep money belonging to me, baffels me. I will take this matter further, it is not Standard Banks money it is mine and I want it in my account before 2020.