We have a unique dilemma. We have recently bought a property. The first mortgage payment was due a few weeks ago, but the lender hasn't withdrawn the funds from our account. We have checked our documents and we made sure that we filled in all the forms (including direct debit authorisation form) correctly. We have not yet received any phone calls or notices from the lender. When I looked up my online banking, there are no loan accounts set up. Would it be possible that our loan has been lost due to some admin error? What could be the consequence for us?