@Edent have been thinking about this for a bit, 2specially as I got a call a week ago saying it was from my bank and if 750 from an insurance provider was expected. I was ready to tell them if calm them back, but said I don't use "direct line", and they abruptly hung up.
I'd like to think that any call I didn't initiate I'd treat the same, but I do qi der if they'd opened with something like this if it would have caught me out