After closing on a home mortgage how long after the 3 daytime reversal length may the lender adjournment salary?

I refinanced my home to get equity out of it. I closed on my loan and waited through the 3 morning cancellation period. My foreign lender has excuse after excuse about why they are not paying! I immediately can't cancel the loan as I a past the contradiction period but I also cannot get my equity money or the payoff of the imaginative mortgage. Now what? Is this illegal?
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