Thank you for taking the time to share your recent experience with us, although we are really disappointed to read your comments. As you may know we offer a very personal service, we work closely with our clients to try and ensure that we offer the right product to meet their needs and expectations. It would appear that on this occasion we have failed and let you down. We understand that on the very rare occasion that this may happen, it may result in a loss of client confidence which could result in a loss of future business, which is deeply disappointing. If there is anything we can do moving forward we would be happy to try and help. Thank you once again for your feedback.