Dear Valued Customer

Yippee... This bank really appreciates my business! I feel so encouraged to click the link in the email because I am a valued customer! No way!

'Dear Valued Customer'. Did they forget my name? Or is it simply that I don't bank with them?

Here's the full email:

Dear Valued Customer,
You have a new message waiting in your Inbox Folder.
Click here to read.
Best Regards.
Abbey National plc Security Department Team.
* Please do not reply to this email as your reply will not be received.
Abbey National plc. Registered Office: Abbey National House, 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England. Telephone 0870 607 6000. Calls may be recorded or monitored. Calls may be recorded or monitored. Authorised and regulated by the Financial Services Authority. FSA registration number 106054. For more information visit www.fsa.gov.uk/register. Abbey and the flame logo are registered trademarks

They've even got the bank's fine print, blah blah blah.

But how could I have an 'inbox' at a bank I don't use?

The link in this one goes to http://myonlineaccounts1.abeynational.co.uk.myw9btj.com/

If you ever see an email like this, just delete it and get on with your day.