I got a call today that I let my answering machine (yes, I'm a bit old school) get. This is not unusual - because of telemarketers I never answer my home phone until I hear who it is. I am too
This was from John Morgan, to have Mr. or Mrs. Hill return his call at a toll-free number about my mortgage. Well John, if for some reason you read this - I am not returning your call you stinking telemarketer.
How do I know? A few things:
1) I am not married. Never have been. Therefore there is no Mrs. Hill on any mortgage papers.
2) I have no mortgage on my current house.
3) The mortgage I do have on my other house has never called me in almost 7 years. Ever. Not even while I was getting the mortgage. They like to work through mail.
4) Any communication I have had on the phone with the bank that is loosely affiliated to the mortgage company as always clearly identified the company they are with. I know that sounds weird, but the mortgage company & bank are separate entities but are owned by the same parent. They actually share the same building locally.
5) The mortgage that my mom had, on both houses, were in her name. She never remarried and had been divorced for 20+ years before she died. Therefore Mr. Hill on her mortgages.