Vultures

I signed up with the national opt out list a few months back and the marketing calls dried up real fast. Seems to have worked nicely. The only calls I get now are debt collectors chasing some idiot named Frans Du Toit who seems to like giving out my cell number as his own whenever he borrows money he can't afford. Wish I could find that tool and kick him between the legs as I have had to field dozens of calls from people trying to find him.
 
DrewChan said:
Due to a sudden influx of some money I am almost completely debt free, now every second day I have people phoning me to give me credit cards, loans and policies. How do these guys know when your debt exposure lessens?
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I would like to know as well. I received an inheritence, and the three banks I bank with called to offer me credit cards. I can understand the one knowing, but the other two?
 
mister said:
I would like to know as well. I received an inheritence, and the three banks I bank with called to offer me credit cards. I can understand the one knowing, but the other two?
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That sounds like coincidence.
Unless wills are made public knowledge through the deeds office or something?
 
They probably buy the information. I know I used to always get calls from every cell provider in the country round about the time my contract was about to expire. How on earth do the other providers know when my private contract with a single company is about to end? Seems stupid for the company that I am with to sell that info but how else do you explain the timing.
 
Cius said:
They probably buy the information. I know I used to always get calls from every cell provider in the country round about the time my contract was about to expire. How on earth do the other providers know when my private contract with a single company is about to end? Seems stupid for the company that I am with to sell that info but how else do you explain the timing.
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Each time you open/renew/pay an account the credit bureaus is informed, the they just sit and wait (normal contact is 24 month) and as the expiry date approaches they start phoning.

Go pull a free credit report on yourself, somewhere you will see who you have accounts with and the age of account/how often you pay it etc etc, easy to then work out when to bug you.

Same when you settle debt, it is noted on that reports. Easy to then assume you got a bit of money.

This is the very reason why I want an option that says, lock this profile, do not give out any information on it. Sadly we do not have that option.
 
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IMO, Credit cards have built in triggers. Cause every time I finished one or manage to save some money on them, someone call. I wonder if the banks make money selling info like that, even if they say they don't.

I was thinking of telling you to get a new number and don't give the bank the new number, but what if they need to phone you because of a valid reason. Oh, they got you by the....
 
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