They called again 12/11/07 at 12:33pm. This time it was Linda from Bay Bank, with the same line about reducing my mortgage interest rate, blah blah blah. The call went pretty much as it did before. I tell them they are a scam and they have no arguement for that. I also did some research on the fact that when you call the number back you get a recording that the number has been "disconnected". I know that the number is not really disconnected because they keep calling from it, I just want to know how they are doing it, perhaps forwarding the calls to a disconnected number. Anyhow this is what I found out, a person can buy a device that can connect to their phone jack. It does not do anything to their outgoing calls but their incoming calls get the "disconnected" message. Also they are not even aware that they are receiving a call, which I assume is fine for a business like this. I also found that if a person buys this device they have to use it within the guide lines of the FCC.