Standard Bank HomeLoan Access Bond Funds

It's a pity that we always have to resort to this type of complaint platform. I have requested or app**** for (July 2024) my access funds which I have on my joint HomeLoan account taken out with Standard Bank in 2003. We have never skipped a payment over the 21 years of having the bond and always tried to pay extra. We were told in July that we cannot access the funds due to not having a debit order payment facility on the account (which no one informs you about when they sell you the products). We instituted same immediately which is active to date. when we then asked why still the money was still not available we were told that we were on debt review and we need to be off for 12 months. We then abandoned our query until this week where we went to the complaints department and were given a reference number and told that the matter would be resolved in 7 days. we contacted them again today where my wife was told that you need to make 12 consecutive bond payment after debt review before you can access the funds. I think this is utter *******. This is our own access funds which we paid into this account, has nothing to do with debt review, it is not a loan and even so just for interest's sake I obtained a second HomeLoan with Standard Bank for R1.3m on 31 July 2024 which is certainly not 12 months after coming off debt review. I need to have my funds available as soon as possible if you can assist me once again, please.