My name is Bob I'm 57 and I live with my wife Kathy.

I've got two kids, five grandkids who I adore.

I worked for just shy of 40 years, but my pension still wasn't going be enough for us.

So when he called out of the blue offering a free pension review, I was all ears.

He knew me by name, spoke professionally about investments.

He even sent a courier over to sign the papers, he seemed a really decent guy

Just shy of 40 years pension, he took all of it.