My land settled on 03/03/2017 and bank had deducted $10670 for stamp duty.this is my first home and principal place to live.land value $ 286000 (with the house $512735)my conveyer said he apply for the refund even before we got our fhog and he didn't even ask for a occupancy certificate or anything other documents.now we asked him that we didn't get any refund,he says that bank pays us.but bank deducted $10670 +registration fee.when we contacted bank said it is too old and we have to check with land transfer office.does land office pay it to the bank first and bank pay to us,is this sound correct?anyone know about this please help me I don't know anything about this.thanks a lot!