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Asked for me by name, claimed to be from 'the Mortgage Review Centre'. Said she was calling back because we'd spoken last year and I'd said I was locked-in to a fixed-rate mortgage so she was calling me back to see if we were now on a variable rate. This is a lie - have never spoken to these people; certainly haven't approved them to ring me back; we don't have a martgage at all! Hung up on her