Hi there
I might be a bit of a DINOSAUR at times but I will NEVER answer security questions on the phone -- why should I answer security / personal info stuff to people at the other end who'm I've never met.
This way you won't get bothered by DEBT COLLECTORS, SCAM PEREPETRATORS, COLD CALLERS etc etc. Just politely say IN Writing Only and then put the phone down.
The only possible exception I *Might* make to this is if I'M calling say Microsoft to activate windows -- but I've never had them asking these types of "Security Questions", or on the very very rare occasion I've had to call the BANK because my card wasn't working at a "Hole in the wall" cash machine --but in each of these cases I initiated the call.
Telphone "Harassment" is the biggest current method of getting security details from people so NEVER give UNSOLICITED callers ANY details whatsoever.
If you handle this type of stuff properly you are unlikely to get scammed on the computer either.
As for preying on Seniors --PLEASE it's the UNDER 30's that are totally incapable of doing anything unless they are twiddling on Mobile Phones all day long or walking around with headphones glued to their ears or both.
Theres plenty of SENIORS who could teach the youngsters a thing or two about not getting scammed etc etc.
We aren't all Total technophobes --although looking back on it sometimes it *might* not have been so bad if we were.
Finally if you CAN get the company / name of the organisation doing the cold calling ALWAYS report them to whatever Loacal Authority standards you have in your area such as "Fair trading Laws", "Chamber of Commerce" or whatever it is in your Country.
In the UK there is also a list available that which will tell you what organisation is using what numbers -- with the huge use of Indian Call centres there are some Bulk numbers that various companies use.
Incidentally another way of getting rid of these pests is to have a decent phone recording system such as TRUECALL. You have then got a great audit and evidence to report these wretched people to the various legal organisations in your Country dealing with Telephone Harrassment and the like.
I really loathe these types of businesses and have reported LOADS myself to OFT and its great to see them HUGELY FINED.
For more info follow this link
http://www.truecall.co.uk/
Cheers
jimbo