\ said:
Steve think you have misinterpreted my thoughts.
No Laurie, not at all. I too get annoyed trying to deal with people who can't understand what I'm saying

It's not a case of political correctness gone mad, I couldn't care who they are or where they are based as long as they can deal competently with my call, and I understood you to be saying the same thing.
I was just explaining, with the benefit of some limited personal experience, why it is that our banks and many other organisations are moving their call centres abroad. It's just economics, the same reason Dyson vacuum cleaners are made abroad nowadays.
As for those annoying emails, they must work on the principle that it costs virtually nothing to send millions of them and they only need a very few to fall for the scam and they're well into profit.
Most of the emails, like mine, must get intercepted by a spam filter and never show up in an inbox. I've no idea why my 'NatWest' one got through.
Phone calls I've had recently are from a company who want us to make a medical claim for an accident involving SWMBO's car last year. I've asked and the caller(s) got our phone number from our insurance company. We are not likely to make a claim as the car (which was written off) was parked on the road outside our house with no one in it when some idiot drove into the back of it! I always ask why they are calling? Did I ask you to call me? Tell them not to call again and hang up.
Cheers
Steve