Refunds from standard bank home loan

Ive finished my home loan bond and left my account opened cause of insurance when i need my refunds cause my employer is the one who lag everymonth,standard bank pull me pillar to posts anditsnot the first time in September 2023 ,20 year mlnth i men last payment the bank demanded R890;00 claiming to be areas ,when asked they say I must write an email and have two signatures as it was joint of which I did but to Vail