Advice please on my mortgage

Getastraightanswer

I wonder if anyone can help, its a long story, so please bear with me.

In 2012 I had to work way from where I lived so contacted my bank to get consent to let, I was told I could only get this if I took out a new product for 3 years at an interest rate of 6.19% so I did. I moved back into the property early this year and informed the bank to change my bank accounts including my mortgage to the property that I have the mortgage on. I got a letter saying all my accounts except my mortgage account were changed, but no explanation why the mortgage wasn't.
In august I found out why my mortgage wasn't changed as I was told I have to provide proof that I lived there, I asked at branch why I have to do this and the didn't know. When I called the mortgage team they told me its a condition of "consent to lease" to verify that I can go to a residental rate once my product expires. They also said they would remove the marker from my account also. I asked them to send this in a letter so that I have a record of this and was told they couldn't as there is no standard template letter for this. I was told to trust them as they knew what was going on.

I raised a complaint and the bank manager found out some more information about my account in that the bank did not apply consent to lease for 6 months after I had agreed to the new product, I also found out that if I had not moved back into the property the consent to lease would have expired before the product. The complaints team has admitted they do not have any idea why the marker was not applied for 6 months or why it terminates before the end of the product, they assure me I have not been disadvantaged by this and in their words they said it didn't matter.

I was sent a letter by the mortgage team saying I had to reapply for consent to lease and in the letter they tried to apply a new condition in that I had to stay with the bank for a further 12 months form an unspecified date (xx/xx/xx) after obtaining a new consent to lease. The complaints team said there was a mistake on the letter and that someone forgot to remove the paragraph regarding the extra condition.

They have offered me £300 for the inconvenience as a final settlement , but I am still no clearer in finding out why my mortgage has been set up this way. I still have not obtained key facts about the mortgage which I requested or why the consent to lease was applied late since this was the reason I took the product. So, should I tke the money change my mortgage and shut up or should I push for more answers? Any help would be appreciated.

betmunch

Why are you worried about correcting a CTL issue for a period that has passed?

Now you are back in the property and the CTL product has expired you just need to obtain the normal residential product. If there errors are stopping you doing this and its costing you money then you have cause for complaint

amnblog

GSA I suspect you have better use for your time than persuing this matter take the £300 and treat someone.

Getastraightanswer

Thanks for the feedback I think I will take the money and run, the only thing stopping me is the information about my mortgage and its value. I need to get this before I can look for another product with a rival. It is proving difficult to get information about this.