This afternoon, I got home to find a letter on the doormat. It was very official looking, clearly from my bank and marked 'urgent reminder'. Imagining what it could be I'd forgotten to pay, what direct debit had gone awry or what other sort of mayhem to expect, I tore it open to find... an advert for joining an air miles type scheme. Clearly the bank's idea of what constitutes an 'urgent' communication does not tally with mine. They've also taken recently to sending me partly completed forms with my personal details already entered on them and plently of other offers for schemes I have no interest in whatsoever. (We've already done the 'sit down with a personal advisor and sort out your finances' thing with them, so they know we don't need anything more). The potential for identity fraud is obvious. And this is my bank sending them out. It beggars belief. I rang to complain (and got our account removed from any such advertising in future). Surely, this is the wrong way around. People who want to receive this kind of marketing should have to opt in to get sent, not opt out?