'Bankers aren't always right' ...
... is the title of a thread that I wrote over on "Household Finance" just now.
As we're not supposed to write the same thread in various locations, I will only put down a link here, for you to follow should you so desire.
It relates to the current validity of security underlying a Line of Credit that I've held at a local bank for a number of years: they originally claimed that my stock and mutual fund certificates weren't valid.
Learning how money works is an interesting hobby, that pays well. Knowledge is power.
Good wishes for increasingly shrewd management of your cash flow and assets.
Here is a link that might be useful: Valid collateral underlying a Line of Credit