Edited sentence: CUSTOMER OPINIONS.Many customers feel they have been cynically exploited by a bank who attracted thousands of customers with atrractive rates and a low cost internet based business model, then made a snap decision to extract as much interest as possible from the existing customer base regardless of their payment record.Many of Cahoots customers feel they have been ripped off by Cahoot who raised their interest rates from 9.5% to 19.9% in little more than a year.There is now a growing group of customers and ex-customers who regard Cahoot and its parent companies Abbey and Santander as shameful and unprofessional