Legal Question in Banking Law in India

Non return of security documents, after full repayment of loan, is a deficiency in service according to a judgement passed by the Consumer Court/Apex Court.

My father (now deceased) was a GUARANTOR to a loan account backed by equitable mortgage of his homested property. The loan had fully been repaid and No Due Certificate obtained from the Bank. Now, the Bank has DENIED parting with the Title Deed to me (only surviving son) even on production of Death Certificate of my late father. The Bank has demanded presence of ALL THE LEGAL HEIRS of the deceased (which includes widows of other sons, grandsons/daughters where both the son & wife died) before the Bank enabling them to handover the Title Deed. Some of the legal heirs reside outside the state of W.Bengal and some in foreign countries. It would NOT be possible to present all the heirs for taking delivery of the Title Deed. Now my questions are : (a) whether Bank can deny parting with the Deed to one of the heirs (surviving son) even on production of Death Certificate. If yes, under what provision of law ? (b) whether Bank can ask for presence of all the legal heirs (irrespective of numbers) to be present for taking delivery of the Title Deed. If yes, under what provisions of law ? (c) If Bank is wrong in both the above points, whether case can be filed with the Consumer Court, for deficiency in service, by me - the only surviving son ?

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