Have you ever been caught out by a phishing scam?

I get emails all the time that purport to be from my bank. Typical message will read. " Dear intenet banking customer, please to be most aware that XXX bank are conducting scheduled maiuntenance of internet account. It is our sincerest desire to be avoiding any incoveniences to yourself. Please to be clicking the link in the email and follow the instruction to update you account information. XXXbank are regulated by the financial servicees authority in England. May you be prosperous and may the elephants not raid your crops, regards your bank