How to do one time settlement with bank for home loan if bank does not have any original documents

One bank has given me balance transfer facility for home loan and signed agreement for same. Bank told that till the time original documents are not submitted to bank, bank will not charge full EMI and they will charge only interest on overall loan. So there will not be any deduction in principal amount even if i am ready to full EMI. Now all original documents of property are with me and i have not submitted to bank yet. It has been year now, bank is still charging interest as EMI from me. In last one year, no one from Bank has asked me to submit original documents and when i called to pick up original documents from me then their response to visit and submit documents to home loan approval branch which is almost 35 kms from my home and when i proposed to submit documents at my nearest branch but they refused. To get home loan from this bank, i have gone through lot of mental harassment. Now my ask is if i stop paying EMI to bank and make default on loan then what action can be taken by Bank for this default. Bank does not have any document of property. Bank has only signed agreement copy of home loan and nothing else. Can i call bank to do any one time settlement?