HYC stands for "Here's your cold-call"
Yesterday, I was standing at the bus stop in the pouring rain and my mobile went off. Didn't recognise the (Manchester) number. "Hi, I'm (whoever) from HYC, calling to see if you've received your refund yet." Me: "I'm not expecting a refund, I think you must have the wrong number. What's this in connection with?"
Whereat the chap launches into a spiel about have-you-heard-about PPI-you know-banks-are-being-made-to-compensate-customers-for-mis-selling-bla-bla-bla.
Here's the thing: We have exactly the right type and amount of protection insurance on our home loan.
Here's another: I used to work for the bank we have it with.
And another: I have an aversion to being cold-called.
Especially on my mobile.
Especially by someone who assumes I'm a moron.
My normal recourse, which is to ask these guys to hang on a minute, then put down the phone and get on with my life until they get tired of waiting, doesn't work with cellphones, so I took considerable pleasure in telling him to fuck off. Phoning up to try to sell junk: fair enough, folk have to make a living. Phoning up to try to scam money out of people you think are dumb enough to fall for you: no respect, sorry. As far as I'm concerned, HYC fall into the same category as the folk who ring up from the "Computer Helpdesk" about my problems with Windows. And I have emailed to tell them so.
You have been warned.