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phentermine diet pills diet pills In the most serious case, an adviser was at risk of dropping a salary band and also owed a ﾃつ｣5,000 bonus deficit. Worried that he could be about to be demoted, he processed sales of life cover, critical illness and expenses on death cover to himself and his wife for large amounts that the FCA believes would have been unaffordable. The adviser also sold a critical illness policy to a fellow staff member to boost his sales just enough to scrape over the line. This policy was subsequently cancelled. The timing of the sales, in the last week of the period, suggest this was a desperate measure to ensure financial reward and future earnings, an example of the poor incentive structure at Halifax and the wider Lloyds Banking Group, says the report. Employees received relatively low basic salaries that could be boosted by meeting and exceeding targets. Champagne bonuses, grand in hand awards and hampers all led to customers being sold protection insurance that they did not need and that, in some cases, rendered them worse off financially.