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So don't apologise to me, apologise to your children
Octopus group have one of the largest inheritance tax dodging schemes in the world. If @amey is loaded, his kids will be very pleased if he becomes a customer of Octopus Group.
https://octopusinvestments.com/resources/guides/business-property-relief-explained/
i have had cold feet and switched to E.ON from Octopus, 12m fixed at 1p per unit more.
Sorry @Fox