Abbey and GE Money "2nd Charge" issues affecting Land Registry

loveleelaidee

I am a customer of abbey mortgage. My fixed rate ended last August. I had borrowed extra money on secured basis with ge money home lending to extend the house, that complete, I have now tried to change my mortgage to abbey flexible mortgage.
I signed up to this in October and was accepted however had to change the secured loan from GE Money to Abbey as a home owner loan in order the flexible team would authorise the new product. I am still waiting to be placed on this flexible however GE are still showing as having a second charge over my property. I have informed both parties on no less then 8 occasions since I completed the transaction, with payment in full by Abbey, directly to GE.
I am now paying around 2.5% more in mortgage payments each month than the flexible as they have kept me on the standard variable and refuse to change this until GE remove their "2nd charge" over my property. GE have sent them a letter explaining they no longer have an interest in my property due to the redemption paid by Abbey.
Land Registry state the 2nd charge is in GE money's name to date. What can i do now? Am I entitled to some form of compensation for the money i'm "throwing" away every month while I wait, help i really need help. BTW when I repaid GE they charged me an early settlement figure, unknown to me this was written into the very small print on the back page of the agreement. there was no mention of a 4 year tie in where the loan details were to be signed. I requested the settlement figure and I was given the amount including esf. I requested why this was added and they said I needed to give one months notice to avoid this. I did so, verbally and in writing and still got charged.Then they appeared with," no matter how much notice I signed the contract for 4 year tie in". I had received numerous letters of changes to tems and conditions of loan the most recent few stating one month notice of redemption to avoid erf however this was not the case. can anyone out there explain this too me or help me get this money returned or mortgage set up .... sorry if its long winded.

:eek:

L