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Assuming you had nothing to do with the person who was using a stolen card then you should be paid out in full.
I would think that UB on discovering that someone had used a stolen card would analyse all the hands and players that were involved with the player using the card. If it was obvious that another player (s) were acting in collusion then they would freeze the account and retain the balance. If there was no obvious collusion then any reputable room would take no action.
Im sure that there would be several other checks that UB would make before freezing an account such as IP, location, address, signup date, country of origion, payment method, user name, hands played with player X v total hands, etc
Obviously this could in rare instances lead to innocent players accounts being frozen and im assuming this is what has happened to you.
I suggest that you post all correspondance between yourself and UB poker for a start.
Then if necessary ask for the hand history of all games played with this particular player. Hand histories will show innocence/guilt in most cases IMHO
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aka thatsBAD
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