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ALWAYS speak to a proper IFA that you trust. Never, ever, ever take a cold call from a financial adviser. Do plenty of research. I'm not qualified to advise people on actual finance but I can confidently advise this on financial advisers. Plenty of good ones out there and shitloads of sharks.

I bet you've got a cupboard full of bog roll that you obtained by elbowing old ladies into the cereal isle.

Managed to save up 5k for a family holiday to celebrate our 20th Wedding Anniversary in April through hard work and sacrifice. Have probably lost the lot to a credit note. Take your sanctimonious gloating somewhere else.