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 ...

Neill Cahoot provide a specific code when they issue their final resolution letter. If you complain to Cahoot, they should write to you within a few days and provide you with a letter declining your complaint and referring you either to complain to Abbey or talk to Abbey about rearranging your loan. Their initial complaint investigation is ...

Thanks for your reply! As far as I can see the Financial Ombudsman Service can deal with complaints about the banking sector and I assume this covers personal loans. Another thing I've checked since my last post is the case fee that firms have to pay if the Ombudsman decides to investigate further. It is now £400 per case.  ...

GO VERY CAREFUL!  As noted above others have had similar experiences. Basically Cahoot reel customers in with a low APR advertised. This is not an introductory rate but what appears to be ongoing.  My rate increased from 6.9% to 14.9% in one swoop!!! An effective increase of 216% on the cost of borrowing. The terms and conditions allow ...