Bank deliberately deposited excess from auction in a lien marked account

Since the last 2-3 years, I have been having ulcers and gastric reflux disease due to which I haven't been able to eat and working full time ended up becoming like an impossible task. I eventually decided to take a break from work and recuperate. In the meantime, my mother developed oral cancer and that led to enormous expenses that we were unable to bear with. Therefore I could no longer pay my EMIs and literally sold off every bit of gold etc to pay for her treatment. After barely 3 months, she was diagnosed with breast cancer. The point is this has been going on since two years and my home loan with Lender went into NPA and I didn't have the money to travel to Delhi and deal with them and hence asked a friend to move my belongings from that house as I had given the keys to him. The debt recovery team of Lender with the help of police had broken into the house in March 2024 and auctioned the property in May 2024. Nearly 30% extra sum was received in June 2024. I was so stressed with all this medical issues going on that I didn't even see that I was sent a notification about the auction via email. I didn't even know how much was received or anything except that there were enough funds to fully cover the whole loan and top ups. In November someone sent me an email stating they received so and so sum which was 6 lakh above the outstanding loan. Ever since I have been emailing them to refund the excess. But they have only been saying that they sent my request to "accounts" and to "wait patiently". Doesn't the lender know that the very act they used to deprive me of my property also states that their action will turn illegal if the excess has not been refunded? I can see from the loan statements that the foreclosure was done in June itself right after the auction. That means they received the funds from the buyer in June which is 7 months ago. Customer care email nor grievance email is being answered properly because they don't know what this gang of recovery personnel of Lender had done. I am totally totally bankrupt and my mother is still in need of medical help and frequent seroma drainage procedures. I can't go to Delhi again. After an Ombudsman complaint, the bank has located some account of mine which has been lying unused for years with Lien marked on it to deposit the fund instead of the account I gave them to deposit the funds into. So there are a couple of things: 1. The symbolic possession was taken in April 2024 itself. But on the loan account they kept on levying charges and interest and marked it as unpaid. Out of the 6 lakh they received, they have credited 1.8 lakh towards these charges itself. They credited the remaining 4.2 lakhs into an account having a lien. So roughly by 2023 April, a demand notice was issued and they pasted a letter of symbolic possession by that time itself. If the sell proceeding was completed in June 2024 itself, then why did they wait for 7 months and transfer the proceeds only after I lodged