prepared to see an adviser, but totally unprepared, and I have to say extremely disappointed, at the mind numbing "hard-sell" we were confronted with.' After sitting down with an adviser, the pair were asked if it was okay for a supervisor to sit in - which they said would be fine. Once her friend had explained what he wanted to do, she says the 'hard-sell' began. According to our reader, he was asked about his attitude to risk, but she claims that the adviser ignored the fact that he replied with 'no risk whatsoever.' From this, her friend explained his medical history, his age and his dependence on benefits alone. But astonishingly, the adviser tried to sell him a complicated investment, a Credit Suisse five-year structured account - and she claims that the adviser was so insistent that she found it almost embarrassing. The investment in question was a structured product , which banks and building societies often sell as a safe savings alternative, but are actually built on complex derivatives and typically rely on stock market performance for their returns. 'Had I not been there, my friend - a mild mannered, trusting, polite individual would, he admitted afterwards, would have more than likely caved in,' she says. The adviser then tried to make out that a three-year fixed rate savings account also came with risks. She said: 'The final memorable comment the adviser made, that you may enjoy, and I found incredible was "you say you don't want to