Nigel
Like you I was recommended to GA and they were poor. I dont think that Compliance is something that is shown a great deal of importance in Spain but then again it is us that has the likes of Northern Rock and not them!
I contacted Halifax in Sotogrande and they turned me down for an interest only deal over 6 years, 10 years, 15 years whatever period you like. They also declined a pal of mine looking for a similar deal. This was just a few weeks ago. I dont think that either of us represent a particular bad risk to lenders but I guess that the credit crunch is worldwide. I will perhaps try to remortgage again in the future when things settle down a bit.
Still not had any letter regards the AGM and as I am off today for three weeks will not be in attendance. Sorry but good luck to any that are going.
Peter