Having a Bad e MALE Day? Email, Spam, Spam and More Spam

You just sat at your desk, opened your email account and what do you get? First there is some anonymous donkey from an anonymous and anything but respectable mortgage lender telling you that they can arrange your finance at 3% and all you need to do now that your application is approved is to sign along the dotted line and get in touch with them. This is despite the fact that you have never heard of them or even approached them