One of the ways in which I determine whether an emailed mailshot (e.g. from bank, supermarket, organisation etc) is 'genuine' or not is by the grammar and punctuation. I might be inclined to believe that my Lloyds account details need updating -- especially, ha ha, if I actually had a Lloyds account -- but not if the email claims that my account will be 'supended'.
The converse of this, of course, is that I will sneer at any manager who insists (as one of my bosses did) that "no one cares about that sort of thing".
EDIT: has anyone seen the last three hours? ... ah well, will stop waiting for agent to ring!