grr to your hv, they could have worded it better!
Generally in terms of speaking issues, i think most pediatritions don't really worry until the child is over 2 years old. They tend to say that before 2 years old, if your child makes good eye contact when you talk, babbles, can understand what you're saying, like to bring you things or do what you ask then that's fine. (obviously I'm not an expert though!
but I hear that a lot.) They might just be worried about his hearing and want to do some tests there, like Minimeg said, straightforward to fix
Milo only has a few words, most of those related to food
I've noticed he's picked up a few more in the last week or so, but he definitely doesn't talk anywhere near as much as some other Panda's babies do!
Fingers crossed that all will go well for you, and you definitely shouldn't feel like a failure!