Endownments-

dunstonh

As recently as last year I was still providing advice and sales. Nice term policy 86% commission standard letter from network, change the names and dates total time including research 30-40 minutes worth £600 in commission

I said regulated financial services product. At the time you did that, it was non-regulated and could be done by virtually anyone. Usually the office junior or trainee. Very much like that complaints companies currently.

We could keep going back and forth between you slagging off advisors and me slagging off complaints companies. Thats not going to get anywhere and serve no purpose and there is no point us falling out over a difference of views. Its clear to see where we both stand.