Jun 30: Recording of anonymous woman saying goodbye

This recording has called Jan 29, Feb 1, Mar 17, Apr 11, 22, Jun 6 and Jun 30.

"Goodbye."

Jun 29: Recording of Rachel at "cardholder services"

The fraudulent recording of Rachel at "cardholder services" called Sep 15, Oct 4, Nov 16, Dec 19, Jan 3, Feb 1, Feb 7, twice on Mar 2, Apr 7, Apr 10, May 1, May 23, May 25, Jun 29 and at work on Dec 2, Dec 30, Mar 7, and Jun 20. The fraudulent sounding recording of Michael called Nov 18.

"Hello. This is Rachel at "cardholder services"? Calling in reference to your current credit card account? There are NO problems CURrently with your account. It is URgent that you contact us concerning your eligibility for lowering your interest rate. To as little as 6.9%. Your eligibility exPIRES shortly, so please consider THIS your final notice. Please press the number ONE on your phone NOW to speak with a live operator and lower your interest rate. Or to be removed from further notices, press two. Thank you. Have a great day."

That's the 20th fraudulently "final" notice that's called my phone numbers.

Jun 27: Recording of Carleen with "the underwriting department"

This message has called Apr 20 and Jun 27.

"Hi. This is Carleen in the underwriting department. I'm calling in regards to your afosy[?] mortgage. Uh, based on your recent payment activity, our department has been authorized to try and lower your interest rate to reduce your monthly payment. Uh, but there are just a couple items I'm going to need to confirm with you. So if you could please call me back directly at 1-800-903-1484. One more time, that's 1-800-903-1484. This'll be the only notice that you'll receive. Uh, but this offer is only valid for the next three business days. Thank you so much and we look forward to serving you."

I can't tell what she actually said where I transcribed it as "afosy".

This is the second time this recording has called, so it's definitely a lie. "The next three business days" is also definitely a lie. If that were true, she would have said, "this offer is only valid until June 30th, 2006." And she would have said, "this offer is only valid until April 22nd, 2006" the last time.

Jun 22: Recording of Cathy with LDCC

This recording has called Sep 15, May 17, and Jun 22.

"Hi. This is Cathy with LDCC at 877-348-2347. Uh. I've been trying to reach you, but I guess I'll just go ahead and leave you a message. I wanted to let you know that because you make your mortgage payments on time, you've been preapproved for our one time mortgage rate reduction program. And with this program, you can reduce your mortgage interest rate, and possibly pull cash out to pay off your car, or high-interest credit card. Uh, but tell you what, I will be in until 8pm tonight, so give me a call when you get in at 877-348-2347, and reference your customer code, which is, let me see, 000000, and I can let you know what rate we can drop your mortgage to, and how much cash we can put in your pocket. Thanks. I'm looking forward to hearing from you. Buh-bye."

What a fraud.

Jun 22: Recording of Tim with "mortgage services"

This recording has called Mar 13, Apr 17, 24, 28, May 3, 8, 18, 26, Jun 6, 12 and Jun 22. An almost identical recording of Michelle with mortgage services called Mar 16.

"Hi there, this is Tim with mortgage services? I'm calling regarding your current mortgage? And I want to let you know that I have a lender who wants to approve you at 1.5% on a thirty year loan now whether you are looking refinance OR take cash out this loan would OBviously save you hundreds of dollars on your monthly house payment. So please press one NOW to speak to a loan specialist. Once again, please press one NOW to speak to a loan specialist. And start saving money NOW. If you would like to be removed from our marketing database, press three. Thanks and have a great day."

Jun 21: Recording of "Hello hello imagine saving thousands of dollars"

This recording has called Jun 21.

"Hello. Hello. Imagine saving THOUSANDS of dollars a YEAR on your home mortgage. Now you CAN. The bank has selected YOU from a list of past and current customers to be offered a $300,000 loan for ONLY $750 per MONTH. Eligibility is limited. To speak with a loan specialist about your home loan, press nine now. To not be notified of future savings, press eight now."

"The bank" selected me? Why didn't she say which bank? Because she's a fraud?

Jun 21: Recording of Michelle with "the financial department"

This recording has called Nov 4, Mar 30, Apr 27, May 16, and Jun 21. An almost identical recording of "Michelle" with "the mortgage department" called on on Oct 6, 19, Nov 7, 8, 11, twice on Nov 14, and Dec 8 and 20. An almost identical recording of "Jane" with "the financial department" has called Jan 11, 25, Feb 21, Mar 7 and Mar 24. A very similar recording of "Brittany" called on Dec 19. A very similar recording of "Jennifer" with "the financial department" called Dec 5.

There were also calls from "William Harrison" from "the financial department" on Sept 2, 6, 20, 21, 22, 29, Oct 12, 13, 25, 28, Nov 1, 10, and 14.

"Hi. This is Michelle with the financial department. Based on your current payment history, we have preapproved you for a new interest rate, as low at 1%. APR 5.68. Your confirmation number is 000000. To take advantage of the lowest rates in the state of California, with absolutely no points and no fees, press number the number one key now. Or press three to be removed from the marketing list."

Jun 20: Expedia Home Loans

He said his name, but I don't remember it. I annoyed him enough to get him to go on a relatively long rant during which he said he'd been talking to me for 8 minutes. Later in the rant he said he'd been talking to me for over 10 minutes. I was amused enough to say "and you're still talking". In the end, he said something to the effect that he'd put my name in some list or something so that someone else from his outfit may or may not call me about whatever he was calling about. I think he slammed the phone down when he hung up too.

I didn't make this point to him, but it's not like he's the first telemarketer with my name, address and phone number to call. If I were inclined to do business with a telemarketer, I would done it a long time ago. Maybe I'll remember to make that point the next time I talk to a telemarketer.

Jun 20: Recording of Rachel at "cardholder services"

The fraudulent recording of Rachel at "cardholder services" called Sep 15, Oct 4, Nov 16, Dec 19, Jan 3, Feb 1, Feb 7, twice on Mar 2, Apr 7, Apr 10, May 1, May 23, May 25 and at work on Dec 2, Dec 30, Mar 7, and Jun 20. The fraudulent sounding recording of Michael called Nov 18.

"Hello. This is Rachel at "cardholder services"? Calling in reference to your current credit card account? There are NO problems CURrently with your account. It is URgent that you contact us concerning your eligibility for lowering your interest rate. To as little as 6.9%. Your eligibility exPIRES shortly, so please consider THIS your final notice. Please press the number ONE on your phone NOW to speak with a live operator and lower your interest rate. Or to be removed from further notices, press two. Thank you. Have a great day."

That's the 19th "final" notice that's called my phone numbers.

Jun 18: Recording of Carmen Electra

This recording has called on Jun 18.

Since it was Sunday, I answered the phone. I don't remember what she was selling. I pressed all 9 numbers to tell the autodialer to fuck off, then hung up.

Jun 16: Recording of Michael at your local satellite television office

This recording has called May 26 and Jun 16.

"Hello. This is Michael at your local satellite television office. We're running a special promotion for new subscribers right now and we THOUGHT you'd want to know about it. With digital satellite TV you get MORE channels for LESS money with DVD quality picture and CD quality surround sound. Our digital video recorders automatically record every episode of your favorite shows and movies with up to one hundred hours of recording time and EVEN lets you skip the commercial. Rrright now, you can get up to four rooms installed for FREE with NO equipment to buy and HHHUNDREDS of channels to choose from for less than $35 a month. We'll even give you free digital video recorders for two of those rooms. This special offer is for a LIMITED time only so to speak to one of our friendly representatives and get more information, press one now. Again, to speak to one our friendly representatives, press one now. Or if you'd like to be removed from our list, press nine now."

The "LIMITED time" apparently wasn't that limited, as this recording has called me twice.

Jun 15: Recording of Shawn with "courtesy call"

This recording has called Apr 5 and Jun 15. An almost identical recording has called Nov 10. A very similar recording called Mar 8. Very similar recordings of John called on Feb 7, 21, 24, Mar 3, 10, Apr 11, and Jun 7. Other very similar recordings of John called Nov 16, 23, Dec 13, 15, Jan 3, 5, 7, 9, 11, 13, 14, 17, and 19. A similar anonymous recording called Jan 11 and Mar 15.

"Hello. My name is Shawn and this is a courtesy call to let you know that Fanny Mae has recently expanded their UNderwriting guidelines to allow MORE people to qualify for LOW interest rate HOME loans. With interest rates as low as they are, this means if you have GOOD credit, LESS than perfect credit, or EVEN a recent bankruptcy, we can help. With financing options as low as 1%, you can use the money to consolidate bills, refinance credit card debt, or simply lower your current PAYment. If you would like a FREE rate quote, please press one to connect to a home loan specialist. Again, please press one for a no obligation rate quote."

Jun 13: Recording of Diane with Credit Concern

This recording has called Jun 13.

"Hi this is Diane with Credit Concern? You may recall receiving a letter saying you've been approved to consolidate your credit cards down to as low as 1.5% interest? This is not a new loan. You've already been approved by a certified nonprofit agency. So if you can please have your statements ready when you call, my number is 1-800-781-3696. Again, my name is Diane and you can reach me at 800-781-3696 until 9 tonight. Thanks and have a great day."

"have your statements ready" smells like a scam to me.

Jun 12: Recording of the Answer Association

This recording has called Jun 12.

"Are you one of the millions of Americans who don't have a health care program due to health issues or you simply can't afford it? The Answer Association, a 501c3 nonprofit organization would like to inFORM you that you ARE eligible for membership that WILL give you ACcess to QUAlity health care savings for things like doctor and hospital visits, dental treatments, checkups, vision, prescriptions and MUCH more. There are absolutely NO health questions to answer, and most everyone qualifies. With memberships as low as $89.95 per month, we CAN assist you. Simply press nine to speak to a representative. That's the NINE key. Press it now. If you prefer to be contacted at a more convenient time, press one. To be removed from our call list, press eight."

Jun 12: Recording of Tim with "mortgage services"

This recording has called Mar 13, Apr 17, 24, 28, May 3, 8, 18, 26, Jun 6 and Jun 12. An almost identical recording of Michelle with mortgage services called Mar 16.

"Hi there, this is Tim with mortgage services? I'm calling regarding your current mortgage? And I want to let you know that I have a lender who wants to approve you at 1.5% on a thirty year loan now whether you are looking refinance OR take cash out this loan would OBviously save you hundreds of dollars on your monthly house payment. So please press one NOW to speak to a loan specialist. Once again, please press one NOW to speak to a loan specialist. And start saving money NOW. If you would like to be removed from our marketing database, press three. Thanks and have a great day."

Jun 9: Recording of "Please don't hang up"

This recording has called May 23 and Jun 9.

"Please don't hang up. If you are one of the millions of Americans with over $5000 in unsecured credit card debt, and are paying high interest rates and FEES, then YOU need to know that there IS help available. Our non-profit hotline will assist you by conSOLidating your debt into one low monthly payment. Through this process, we CAN reduce your creditor's interest rate to as low as 2.5%, and cut monthly payments by over 50% without negatively affecting your credit rating. That's HALF of what you're paying NOW. The call is completely free confidential, and can be conducted from your home right now in less than twenty minutes. All you need to get started is a steady income and the initiative to imPROVE your financial situation. So if you would like to reduce your debt, improve your credit, STOP the collection calls, and start saving YOUR money, RATHER than paying it to the credit card companies, press ONE NOW. If you wish to be removed from this and all future programs, then press two."

"If you would like to... STOP the collection calls". FOAD.

Jun 7: Recording of John with "COURTESY" call from anonymous company

This recording has called on Feb 7, 21, 24, Mar 3, Mar 10, Apr 11, and Jun 7. An almost identical recording called Nov 16, 23, Dec 13, 15, Jan 3, 5, 7, 9, 11, 13, 14, 17, and 19. An almost identical recording of Shawn called Nov 10, Mar 8, and Apr 5. A similar anonymous recording called Jan 11. A very similar recording of Dan called Apr 17 and 26.

"Hello. My name is JOHN and this is a COURTESY call to let YOU know that FANNY Mae has recently expanded their underwriting guidelines to allow MORE people to qualify for LOW interest rate home loans. With interest rates as low as they are, this means if you have good credit, LESS than perfect credit, or even a recent BANKRUPTCY, we can HELP. With financing options as low as 1%, you can use the money to consolidate bills, refinance credit card debt, or simply LOWER your current payment. If you are NOT interested in this free quote, please hang up now, or press TWO to be added to our do not call list. If you would LIKE a free rate quote, please press ONE to connect to a home loan specialist. Again, please press one for a no obligation rate quote."

The sentences in this recordings ran together slightly, the way the breathless monster truck rally television commercial announcers run sentences together using multiple voices. So this recording sounded like a bunch of recordings stitched together. Another related thing is that these recordings seem to swap the press two with press three or other things for being added to the do not call list. That's pretty sleazy.

Jun 6: Recording of anonymous woman saying goodbye

This recording has called Jan 29, Feb 1, Mar 17, Apr 11, 22 and Jun 6.

"Goodbye."

Jun 6: Recording of Nathan Will with HLC Mortgage Servicing

This recording has called Dec 14, Apr 3, May 3, 23, and Jun 6.

"Hi. This is Nathan Will with HLC Mortgage SERvicing. Uh sorry I missed you, but I was calling to let you KNOW that based on your recent mortgage PAYment history, uh, you've been preaPPROVed for an express QUICK cash loan. Uh WITH this refinance loan, we can close in as little as three days for you and offer a PAYment rate as low as one and a half percent. FIXED for 5 years, and there are ZERO closing costs. Uh we'll be in until eight pm tonight, so just give us a call as soon as you get IN at 800-224-1665, and I can let you know just how much cash we can GET for you and what we can reduce your interest rate to. Thanks. Bye bye."

Jun 6: Recording of Tim with "mortgage services"

This recording has called Mar 13, Apr 17, 24, 28, May 3, 8, 18, 26 and Jun 6. An almost identical recording of Michelle with mortgage services called Mar 16.

"Hi there, this is Tim with mortgage services? I'm calling regarding your current mortgage? And I want to let you know that I have a lender who wants to approve you at 1.5% on a thirty year loan now whether you are looking refinance OR take cash out this loan would OBviously save you hundreds of dollars on your monthly house payment. So please press one NOW to speak to a loan specialist. Once again, please press one NOW to speak to a loan specialist. And start saving money NOW. If you would like to be removed from our marketing database, press three. Thanks and have a great day."

June 1: Recording of David with Equal Health Services

This recording has called June 1.

"Hi this is David with uh equal health services? Um as a local resident, uh, I I(sic) was able to preselect you to trial our new nationwide premium health care program? There are no prequalifications and existing conditions are accepted. Uh the program will include medical, dental, pharmacy, and alternative medical for just around $55 a month. Uh my number is 800-575-3419. Now registration will end on Friday, so it is urgent that you contact me back today. Again, my number is 800-575-3419? That's 800-575-3419. Thanks."

"Local resident"? I wonder what that's supposed to mean.