 The Cheshunt Building Society were asked by Mr Mothew to consent to registration of the second charge which they did and they were also given formal notice of the second charge which they acknowledged.Mr Mothew delayed sending the application to the registry whilst the lender's consent was being obtained since it was also required to be lodged at the Land Registry.At the time of their default the borrower's overdraft facility had risen from £2,000 to £3,350.