Compensation offer .. What would you do...? (over 3 parts as long story..first part)

[MustangLady]

Pls bear with me, its a long story but I believe you need all the facts to help me; I hv an acct with Halifax Bdg Scty & up until last yr had my mortgage acct with them (for 9 yrs)now with another lender.Last May I made an enquiry with Halifax to revise my mortgage, I verbally agreed but signed nothing.The Halifax informed me there would be a formal agreement coming in the post which I'd need to sign&return to them for the Mortgage to proceed,they informed me the transfer would be due to start 1/6/07. I know you get a 'cooling off' period &during this time decided to have a look at alternative lenders&their mortgage offers.On the 25/5/07 I rcvd the Halifax Confirmation of Transfer but had already decided not to go with them,as I'd rcvd better offer from the Cheltenham & Gloucester via a Financial Advisor.So I telephoned the Halifax informing them of my decision not to proceed& I was going to transfer to another lender.Luckily I took the person's name I'd spoken to,he confirmed the cancellation had been made. My BF & I had �14,000 in endowment policies which we decided to cash in, therefore paying off a lump sum of a shortfall in the new mortgage we'd taken out with C&G. Our new mortgage completion date with C&G was 14/9/07. On 12/9/07 I rcvd a call from C&G solicitors saying that there was a shortfall of �17483.13 which had to be paid by the 14/9 (within 2 days), nearly �3500 more than we'd expected. I was beginning to doubt the Financial Advisor, thinking they'd miscalculated all my figures and panic started to set in ... where was I going to find another �3500 to cover the additional costs, within 2 days?
(PLEASE READ ON IN PART 2)..ML