Removal of my name from property after divorce

I had a home with Joint account along with my Husband and also my name was in Loan of HDFC. The loan is yet to clear. My Divorce was done last year 6th Dec.During final settlement he had taken signatures from me for HDFC Bank to removal and also for the Society that I have no right Even Divorce papers it is mentioned I don't have any right in previous any property. My settlement was also done without giving me any amount against that flat saying that it can be proved that he is paying the EMI so I have no right & I am working. Now I started looking for a home for myself and had opted for Loan In this I came to know that I am seen in Cibil score with having my name in it. I visited HDFC bank asking for removal of my name with Divorce Papers as the document to remove. Bu they are saying this is not valid and I need to show the property as Gift deed to Husband then show these documents to HDFC then the name will be removed. Now this is also affecting from getting me the Pradhan Mantri Awas Yogana I had requested my husband in a polite way through my son for doing the process told by HDFC. But he is not replying What can I do legally to do the needful if he is not co- operating