Thanks for the lovely replies PIPPINCP and your very useful advice. I did post anonymously but happy to share my profile with you and everyone else. As you can see I am AllyW7118. Ally is my name, W is for my surname. As a business owner, 7118 is the amount of times this year I have come across patronising advisers who think they know everything, just like you.. Congratulations on increasing my number.
As a business owner, I have spoken to my provider several times and was just asking for advice, the world needs less people like you....
Bye...
