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Natwest can't stop Lloyds taking a second charge.
This is because as a charge you can just agree to it.
They do not need the consent of Natwest
They can register a charge with or without Natwest
You should write and formally complain to the bank and ask why, what is their reason, especially if there is enough equity
If they do not uphold your complaint you can complain to the Ombudsman
They offer a free, independent service at: www.financial-ombudsman.org.uk
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