Always get a second opinion and take your time with any decision. If it looks like a really really good deal, see if you can match it somewhere else. I would highly recommend seeing a financial adviser. Certainly most would be happy to give you 30 minutes of their time for free to avoid a very big mistake. Try unbiased.co.uk for a free second opinion!
Mark Steward, director of enforcement at the FCA, said: "Be alert to the warning signs like being contacted out of the blue, promises of low risk and/or guaranteed above market returns, special deals just for you, time pressure and, very often, flattery."