In these tough economic times, thousands are flocking to wealth creation seminars and purchasing their products in the hope they will unlock the key to becoming rich and "financially free", like their gurus. But are these courses costing attendees more than they are worth?

"According to the plan, I will be a millionaire in 10 years' time.

"I owe £4,000 on my credit card, but I will be financially free. It's going to happen," says Janice Geddes, a 38-year-old nursery nurse from Ilford, Essex.