Hello New member. 620ie help needed please.

Hello new to the forum. My name is Christine.

I have had my Monster since June 04 but only ridden it for a few months since passing my test. New to bikes.
Done 350 miles only.
The problem is that it will only pull to 70 mph, it's as if it's going uphill all the time.
After a 20 min run the inside of the exhausts are hot ie red.
The fuel pump also make a whinning noise all the time.
It was bought new and the pump has always made that noise.
The problem is that due to only just passing my test the bike has not run much, only started in the garage, and not been serviced. Wasn't told that it had to be serviced after 1 year so didn't take it in although it had done no miles !!!

Could it be not enough fuel / air ?
Also sometimes the ignition doesn't come on when the key is turned to on.

Thank you for any help.