I just had a call from a guy with a Scottish accent claiming to be from Visa Verified, the company which confirms lots of on line transactions. Apparently he had managed to stop a transaction going through my bank for £9,800. He asked if I was a customer of 2 of the big banks and when I said no, he went on to a third of the biggies. He got very annoyed when I refused to tell him which bank I was with and asked if I was questioning his honesty !! After a bit of argy bargy he said check your account in 5 minutes and you will see what I meant and put the phone down . How do these people sleep at night?