I have admit I am one of the elderly. Anyway, I have to handle all phone calls as OH is too deaf. I use a landline phone which has flashing lights for the deaf and a screen showing the caller's number. I have a mobile but no longer in use as I hardly used it. I have for years now been plagued by cold calls and scams, despite regularly updating my details on Do not call register. My family & friends and I have a system plus the incoming call screen on the phone so I know who is a legitimate caller. Other calls I treat with upmost suspicion and depending on the time or whether I have been woken from my nana nap, with even rudeness. I mostly hang up. At the moment I have a regular garbled accented caller using either a private number or an unrecognisable number, and identifying herself as Giselle last time - regularly wanting to do a charity survey or wanting to know how many solar panels I have. Recently, I let the calls go to voice-mail but that is no deterrence.
But last week at 5.45pm on a week night, I got a "private" call, I firstly thought was my relative. It was from someone purporting to be from my bank. I listened, I was vague, got her name. Hung up. Went to my bank the next day. The call was legitimate. I apologised for my abruptness but in no uncertain manner, I told them of their foolishness in phoning me on a very general matter. I have never received a phone call from my bank before specially at that time. What else can you do?