Dear Sir / Madam, I would like to make an enquiry if this is actually legal. I am an HSBC credit card customer, and I have just recieved a call from thier telemarketing agent based in KL. They were asking if I would be interested in a savings plan they have for me. They are willing to waiver my credit card annual fees for the next 15 years provided if I sign up for thier protection plan. I would be getting back returns after 15 years and only need to pay in RM202 per month for this plan. I asked this person how did they find my number... read full review »