I feel these companies should feel shame for letting these people use their names and not apologize.
How to handle these is sometimes tricky. You are in the middle of a business meeting and the phone rings. you get irritated.
Normally i handle these in different moods.
1. Say a polite NO
2. Shout at the callers.
3. Ask them for a mail with details of the offer. I NEVER GOT THIS
4. If it an offer for a personnel loan, I would ask them for full details and say my requirement. It may be ranging from 25 Lakhs, for 20 years and for 3 percent per annum intrest. Normally he will hang up.
4. If I have time, I will inquire more about it and fix an appointment with the executive. call him all the way 20 KM from a distance and say NO at that time.
I know i am being bad on the poor executive but this is the price they pay for disturbing my privacy.