It happens to all of us. Often at the most inconvenient moments. Like early in the morning or when you're in the middle of an important meeting. Tele-marketing agents have fast become the most annoying people to have access to your phone number.

Credit cards, home loans, personal loans, holidays, mutual funds -- they sell it all, often calling with the same product or service twice a day.

Are you comfortable with these callers? Do you think they have something genuinely useful to offer? Share your experiences.

Or would you rather call them instead, when and if you need something specific? Should tele-marketing be banned? Tell us.

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