Of the 6 TCF outcomes per the FSA site, I can see potential outcomes for which Abbey/Cahoot  do not appear to have been reasonable toward consumers in this particular case.  These statements are likely to encompass 'an overall picture' of the situation, rather than just the specifics or technical aspects of a case in my opinion.Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture;My experience shows that outcome 1 has certainly not been adhered to in my particular case. Also aspects of Outcome 5 and 6 are questionable.The loan conditions for the Cahoot Flexible Loan allow the company to change the interest rate as and when and for almost any 'business' reason.