Bank auctioned the property which was under litigation.

Person A had a plot of land. He approached a builder Capricon to develop a building. Theentered into an agreement in the year 1998 to build a building. It was agreed that person A would get an apartment with 1400 sqft on 1st floor and Capricon will sell the rest of the apartments. After completing the building Capricon sold all the flats except person A's allocation but instead of handing over the possession kept it occupied. Person A approached the court and filed the case against the developer asking possession. In the year 2005 person A died. In the meantime(after person A's death) developer subdivided the apartment (person A's allocation) and created 2 smaller apartments. Capricon sold these 2 apartments to 4 persons (person P(in 2006), person Q(in 2010), person R(in 2010), person S(in 2010)). All took home loans for the property and all defaulted the EMI payments. Bank from which person S took loan (lets say bank RF) auctioned the property under SARFAESI act. Person X being showed interest in the property. Bank RF told that they are the sole owner of the property and there is no other party involved( all verbal communication). Person X paid EMD of 10% and 15% on the date of auction (29/12/2023). Bank RF asked person X to pay the remaining 75% by 13/01/2023. On 01/01/2023 person X got to know abouth the entire story. Now he wants refund. How can person X seek refund from bank RF on pretext of the fraud they have done.?