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It's possible they could still sell said product with a 100% conversion rate without understanding it right? Agreed the incentive scheme has a lot to do with it and thankfully has mostly been replaced with an annual performance related discretionary bonus calculated on pure performance metrics...

I did exactly the same. The irony being that now I work in the industry and recommend investment products etc and know the correct way to explain additional items such as PPI I KNOW that it was miss-sold to me as the person arranging the facility didn't understand it or record any of the details...