Post 58, I agree, did the same thing when i got phone calls to put me under pressure, was told the call was recorded, so asked the young lady what commission she was on to annoy me with her call, she refused to tell me, so i cancelled my standing order. I now contribute to KIVA, and have done for several years, i started with a pot of $100 dollars given by son to me as a xmas present, i still have most of that left, having loaned it to people in 3rd world countries, and its then paid back in instalments back into my pot. It works well KT