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Not sure why ever since the authorities announced they intend to implement the Do-Not-Call thingy at the last quarter of next year, I have been bombarded with <ADV>.... SMSes ever since on a daily basis. Many are from property agents and really a damn bl**dy nuisance especially during working hours. They should have enacted this law like ten years ago... From ST Forum: http://www.straitstimes.com/STForum/Online...ory_783205.html Nuisance canvassing for unsecured credit Published on Mar 30, 2012 ALMOST every other day, I get a deluge of telephone calls from banking telemarketers urging me to take up the banks' unsecured credit facility, usually with some sweeteners like zero per cent interest for the first few months. As if this is not enough, my mailbox is also filled with mailers from various banks enticing me to sign up for their easy credit, ready credit or whatever name they call their unsecured credit. Typical tactics involve sending a blank cheque addressed to me, coupled with a mailer on zero or low interest rates for the first few months. While the Government has tightened rules for licensed moneylenders, the nature of unsecured credit extended by banks to individuals is very similar to that of the loans extended by licensed moneylenders. The Government should look into the marketing tactics adopted by banks with respect to unsecured credit extended to individuals. James Wong