Remedies when Lawful Money demand is ignored, property rights violated?

[Jethro]

is payor a bank employee?

No.

Im getting error message when trying to access the .pdf in your link, it has been happening with all your links lately. anyone else able to access it? wondering if it is something on my end or not.

I'm experiencing the same problem.

about forgiveness, if that is the only remedy then why redeem lawful money in the first place?

Precisely.