This is the Typical Standard answer you got-so credit checks just happen and pigs also fly-seen this so many times Ok Write to the Office Of Data Protection ,make formal complaint and also write to the credit agency and if it is a mistake!!!!! as them to remove it from there files-obtain a letter -write to Ucb asking them to state what they did and forward the letter on the the credit agency! Now saying all this you still have the shortfall and they know you have a mortgage by mistake or otherwise very crafty! The Law works in odd ways I say this for after usual apolgies etc and investigations how it came about you still left with same shortfall problem Go and see a lawyer on this and dont -dont offer any money untill your lawyer has seen it and all papers re previous shortfall!!(posted 8684 days ago)Good Luck
Charles Twford