Hi, I recently came across this problem and you are also stuck at the same place.
From the reference manual, the refresh code must be executed within 20 bus clock cycles after first trigger.
I feel the refresh may execute within 20 bus cycles but another refresh trigger may be kicked before the 20 bus cycles of the previous refresh was over. What i conclude from this is you need to wait for sometime before you execute the refresh again.
The best thing to do is and THE SOLUTION TO THIS PROBLEM FOR ME was to add a very small delay before executing the refresh to the watch dog.
REFRESH DOESNOT REQUIRE UNLOCKING OF THE WATCHDOG REGISTERS
Best Regards
Kashyap Gada