Shortfall on building loan payment

This is the second time std bank has done this. They approved a 90% bond, and made me settle the 10% with them to make up the 100%. This was done by withholding the 10% from my first progress payment. I have just received my final payment and my 10% has not been returned. Std bank has therefore paid me the 90% bond amount instead of the 100%. Very frustrating dealing with Standard Bank.