iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance. 
