Yes. I work in the finance sector and deal directly with the providers that sell this shit ironically. The tax relief was nullified instantly by the discussion

Yes. I work in the finance sector and deal directly with the providers that sell this shit ironically. The tax relief was nullified instantly by the discussion with my employers that sort of went "give me another £10k or I go work somewhere else". Meh. I don't actually have a problem paying tax. I've learned to consider my income after tax, not before. Maximising the difference is easier through getting the initial captial larger than it is reducing the difference and doing the associated paperwork (and periodically getting buggered by HMRC). I can still move up another £30k if I want to but the current place is convenient.