I am an spanish attorney.
Its a very hard situation for you.
As the propiety register its public you could not say ( I am sure you didnt know ) that you didnt know the previous charges.
We have to look at the signed contracts and what they say
If the contract say that you buy free of charges the seller has to pay you back
The problem now its that you really have to pay the bank to take out the charge
In my opinion the answer its to pay to the bank and demand the money to the seller if the contract say you bought without charges
I will be here if you need more help
Sinceraly I have not idea what has happened, may be problems with translations or maybe a trick of the seller ( ?)
I recomend you to contact with an english speaken english who study the escritures and negotiate with the bank first and demand rhe seller if there has been a trick of him
But be sure that you use your own speaking english attorney this time
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