Jboy bro dont worry, you have lawfull entered a valid contract and up held your end the papers in question were in possession of the bank which means that it was their responsibility to safe keep them,,, First of all lodge a complain with SBP and name all the officers that you came in contact and their behavior second file a case in Consumer Court as you have lawfully upheld your end of the contract they are liable to produce the documents as well as pay you fine for your suffering,,, in court case when assets come in dispute the asset's price is estimated on forced sale rule so yes you will get less than the market,, and ppl will offer you less as they that car is in dispute. now dont intend to the court or SBP that you intend to sell the asset, focus that lethargic attitude towards file management is not acceptable as it has caused you mental agony,,, tell your lawyer to slap SBP prudential regulation Clause M-4 Record Retention, under said act bank has to safe keep documentation regarding customer,,,, take care bro and dont worry the process can take long but you can make them Kiss ur **... Banks always say that they dont care about law suits filled against them but in reality they are scared sht from them because law suits tarnish their image as well as negatively mark their consumer & credit rating... take care. Allah Pak will help you my brother.