Text apologising for not getting back to me yesterday etc etc. (various reasons).
SPAM/Phising

Text message "Please respond to final notice: action required before you lose eligibility. Request your total and transfer preferences" and a link to a site. Phishing!!!

Text message. Knew first name, saying that a delivery was stopped at the depot and to click on provided link to resolve the issue.

Sent me a text "Commonwealth: A suspicious login has been detected on a new device. If it wasn't you, please block this request: accountalert.site"

Know my first name.
Said your transfer is now overdue.
Then asked check their website.

Knew my first name and apologised for not sending a link to me, then included a web link. Dodgy AF

same as above

Text apologised for not getting this to you sooner with link. Didn't click the link....