I really understand how you feel, am not the one putting an hold on the money Bank does, So they want to make sure the Agent get his money because you are 100 percent sure of getting your funds from them. So i think they are trying to protect both parties. So try and complete the transaction as bank instruct because i have already made the instant payment which can never be refunded back to me nor reversed back. But can only be credited into your account only...Okay?