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In reply to the discussion: How to torment telemarketers [View all]Brettongarcia
(2,262 posts)By the way, I spend some time tracking them down; and put my findings on the internet. My number #1 suspects, were the major banks and issued credit cards. Once a year they send you a required form from "Cardmember services," where you are allowed to opt out of some - but not all - sales calls from your bank, and "associates" or "affiliates." Who try to sell you lower rates on your credit card debt, especially.
I think that what is happening in the call from Rachael or "Heather" is that banks are trying to consolidate your credit card debt, and pay it off with a bank loan, at a (for a while) lower interest rate. In this way, they lower your payments allegedly - and they take business away from the Credit Card companies, and move it into their bank.
This COULD be legitimate. But it turns out that the sales "affiliates" (or "associates"?), are high pressure, illegal a'holes. They change numbers and even company names, dozens of times, to evade detection by legal authority.
Rumor is though that "Heather" at least, was busted.
In the meantime? The best move is for us to start a class action suit against probably the banks; say tens of millions of dollars for their turning our phone numbers over to "associates" or "affiliates" who use very illegal methods.