Guy with Indian accent asked for my husband by name. I told him he was not here, then he referred to ME by name. This is the same area code as my cell phone, so I answered thinking it might be someone I know. Anyway, then he proceeds to offer me a better interest rate on my mortgage. I said "no thanks". He asked "don't you want to save money?" and I replied "NOPE!" At that, he hung up on me.