When my wife and I went to sign our mortgage papers a few years back (different bank than TD but equally scummy) we were signing stuff and then the guy goes:
"Ok and sign here for your line of credit."
'Our what?'
'You're pre approved line of credit?' slightly nervous look
'We didn't ask for that.'
'But its pre approved' desperation setting in
'I don't care, we don't want it.'
'But its preapproved!!!'
I imagine he gets nice bonuses for sliding those things in there. I actually asked to deal with someone else after that and haven't talked to the guy since. The next time we went in we brought our Mortgage broker (we had to go through the bank that was used to secure our builders mortgage, a detail that wasn't brought to our attention at the time) and she put them through the ringer. The girl also tried to sell us something we didn't need and our broker basically caught her in it then explained why we didn't need it.. I ALMOST felt back for the banker, almost, because she was squirming with absolutely no defense as to why she tried to include it.
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"In brightest day, in blackest night / No evil shall escape my sight / Let those who worship evil's might / Beware my power, Green Lantern's light!"
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