There is a perfectly reasonable explanation waiting to answer your questions, but I want mine answered first.
You are a bright guy. Don't you realise that your obsession with that has basically answered the question for us?
Its obvious now that those guys are right, isnt it? If they were wrong you wouldnt care where the info came from because it would be made up info. You are a bit confused as to how they've found out, and understandably want to know why.
But by doing so, you've answered the question. You never got a mortgage, you never bought a house, you are not a home owner. Quite why you felt the need to tell us you were, like it somehow added credibility to the plethora of financial-facepalm threads you've posted, I've no idea.
If you lied about that I wonder what else isnt true about you? Is your entire online persona fake? Is any of it real?
The trouble before was I answered too many questions, which led to far too much being discussed.
The trouble before is that every time you post you contradict something you've forgotton you said a few months back.
You yourself told us about your mortgage application. You ARGUED with us when we told you you wouldnt get a mortgage approved and a house moved in 3 weeks after deciding to buy it. YOU told us that, not people on the Isle of Wight although the fact that even people you know IN PERSON felt the need to come to this thread should tell you that you are wrong and everyone else is right.