I have read your question twice and I really do not understand your question at all.
You go into a long spiel about notification of redress, which doesn't seem to have any relevance at all to whatever question you are asking.
What does the mortgage agreement say? That really is all that matters.
If you have some other documentation or emails, or possibly a note taken at the time of a phone conversation, which contradicted the agreement, then you might have a case. But you would have to explain why you signed a contract which did not reflect the conversation you had.
Brendan