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Khepera business group financial advisor Skandia/old mutual

I was advised by this man GH khepera business group to invest into a skandia (now Old Mutual) policy. Now I am out of work and cannot make the monthly payments I learn:
- policy no longer sold
-skandia/old mutual (S/OM) paid "substantial upfront fees" to GH
- the policy has excessive management charges if one stops monthly contributions and/or early encashment penalties
- the financial ombudsmen on Isle of Man where Old Mutual are based are not interested, know these policies are bad, know a lot of expats are miss sold but will do

So, some of you no doubt are thinking "caveat emptor " but who honestly reads and understands the small print on financial dox
Be warned

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