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I remember being warned about similar compounding clauses in the mid-80s. It isn't enough just to draw a client's attention to them and expect the client to work out the maths themselves. It has to be spelt out in writing, i.e. 'In 5 years you'll be paying £x, in 10 years you'll be paying £y' etc.

Once you've done that, it's up to them but, as others have said, the only sensible advice to give is 'If I were you, I wouldn't touch it with a barge pole because it's a rip off'.