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In these recessionary times the fear of a future with no income amongst redundant workers is persuading some to part with all their cash in return for future wealth and riches - only to find themselves bankrupt and maybe homeless.  This is a legal form of ripping you off, with the rise of the some of the worst kind of leeches to prey on the real victims of the economic downturn.  This cost me and by wife £50,000, and hundreds of other hard working people have lost tens of thousands of pounds to this form of legalised extortion.