Cabot Financial UK Reviews 

3,385
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Considering 732 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and customer service team for being exceptionally helpful, patient, and deeply understanding during difficult financial situations. Consumers note that the structured payment plans are flexible, manageable, and tailored to individual circumstances, making it much easier to clear outstanding debts without feeling pressured. However, some people mentioned issues with communication, citing instances of repeated unwanted contacts, interruptions during calls, or difficulties when trying to discuss specific account details. A few reviewers also expressed frustrations regarding delayed updates to their credit files or rigid responses concerning final settlements.

What people talk about most

Staff

Reviewers mention positive feedback about staff, highlighting that team members are consistently kind,... See more

Customer service

Users describe positive interactions with customer_service, noting that representatives are helpful,... See more

Payment

Consumers find payment experiences to be highly mixed and subjective. While many reviewers praise advisors... See more

Service

Reviewers highlight positive aspects of service, noting that staff are friendly, efficient, and understanding... See more

Customer communications

Clients share ambiguous opinions on contact, as experiences vary widely from overwhelming stress to... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Thought the account that had been sold to Cabot from HSBC had been closed so was surprised to hear about this debt. Debt belonged to my ex partner who had had an accident causing major head injury... See more

Rated 5 out of 5 stars

What was initially a very stressful and anxious time Cabot worked with me to help me repay my outstanding debt, I no longer filled with dread when my phone rung. Every team member I came in to contact... See more

Company replied

Rated 5 out of 5 stars

That's alright my wish is to settle it My experience was good with updates sorry for failing to provide some needed information.Hope l will be removed from that bad list and be able to buy in differe... See more

Company replied

Rated 5 out of 5 stars

Having dealth sith few creditors in my life Cabot was by far the most human. No waiting time to speak to someone, understanding of personal cirmustances- working with you, not solely focusing on a d... See more


Company details

  1. Debt Collection Agency
  2. Debt Collecting

Written by the company

Our mission is to help each and every customer to financial recovery. We help thousands of customers take their first step to help them manage their accounts. As many of our satisfied customers will tell you, we know that everyone’s situation is different and we treat people as individuals. We offer a range of credit management solutions for every customer so they can repay what they owe, but not have to put their lives on hold while doing so. Established in 1998, Cabot Financial is one of the most respected debt purchase companies in the UK. We are part of the Cabot Credit Management Group, who are authorised by the Financial Conduct Authority.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 58% of negative reviews

Typically replies within 2 weeks

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4.3

All reviews

(3,385)

719 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

SPECIAL REVIEW

I called to do a special review and make changes that were necessary. I received 100+% Satisfaction, Agent was Very Courteous, Understanding and Amazing.
I am 100+ % Totally Happy with the outcome.

25 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Alfie's review John! 😊

Rated 5 out of 5 stars

Bar Lady

Fantastic customer service from the lovely Nicole who put me at ease and made what I thought would be a difficult conversation so easy. We sorted out a payment plan that is perfect for us to handle.

22 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Nicole's review Andrea! 💕

Rated 1 out of 5 stars

Worst company I have had the misfortune…

Worst company I have had the misfortune to deal with. You can not get them to respond to your questions accurately. First I was given a response saying no details were found regarding my complaint. Then when the FCA asked them to investigate my complaint thoroughly. I have not had a response this has been over six months ago. I do not think is a fair or reasonable treatment of a vulnerable customer.

21 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hi Carol, if you'd like me to investigate this further for you, please e-mail us at cabotwebcustomer@cabotfinancial.com FAO Gemma

Rated 5 out of 5 stars

Thomas made my experience great he has…

Thomas made my experience great he has an excellent phone manner he was very helpful and pointed me in helpful directions
He is an asset to your company

20 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks so much for Tom's review, he'll love it! 👍

Rated 5 out of 5 stars

I spoke to a kind ,understanding lady…

I spoke to a kind ,understanding lady by the name of Coralle. She was so helpful and took time to speak to me ,listened and gave me options and advice. I would recommend Cabot if you are having any issues with debt or advice, thank you..

20 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Coralee's review Paul, I've passed this on to her 😊

Rated 5 out of 5 stars

Alison Wilkins she was the nicest women…

Alison Wilkins she was the nicest women i ever met it's like I become her big fan instantly and I never thought of being able to love a women's vibe so much that would put me agrees to all her options of making payments for the payment plan as Cabot finance been trying to take payments for very long time but this time they have been succeeded because this time they have special and unique person working for them which is alison wilkins and she definitely deserves top promotions and bonuses without any doubt.

20 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What an amazing review for Alison, she will love it. Thanks Rojob! 😁

Rated 1 out of 5 stars

Scum

Phonely logo
Who is calling me
from number
01903 641 295
Harassing
Number stats
Users rating: Harassing
Number linked to:
Number of comments: 7
Last report: 2 hours ago
First report: 3 months ago
Number of searches: 2,109
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User comments about this number
There are total of 7 user comments about calls from 01903 641 295. Last comment has been made 2 hours ago. The overall rating for 01903641295 is Harassing. Read Disclaimer

User reported 01903 641 295 as Harassing
This is CABOT, they use multiple numbers their favourite being 0344 647 0029. They will make your life miserable, constantly calling from random numbers and in my case / opinion chasing minimal and legally unenforceable debts well over 10 years old. I hope the government shuts this company down once and for all as soon as possible, protecting everyone who is extremely sick or struggling financially. There is a very fine line between chasing a debt and harassing sick and vulnerable people daily who have no ability to pay. After over 10 years of harassment I am now involving my local MP. Goodbye Cabot

16 April 2026
Unprompted review
Rated 4 out of 5 stars

Pay off

Great choice you made on your choice
Of company..

16 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for the review Ian 😊

Rated 5 out of 5 stars

I loved the experience that I had with…

I loved the experience that I had with Cabbot financial they helped me clear my debt very quickly and they made it manageable for me by staying within my budget as my financial situation wasn’t the best at the time the people over the phone are very friendly and very patient especially that I’m half def so it’s wonderful and refreshing to hear people who sound and actually are helpful as well as to know that they know what they are talking about I am happy that I was able to pay it all of before summer comes and now I can plan trips and other things as my financial situation is so much more better thanks to wonderful team of people thank you all so much and I would recommend them to anyone who is struggling to pay off their debts

1 September 2025
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

This is a lovely review, thanks so much! 💖

Rated 5 out of 5 stars

Spoke with Zohaid

Spoke with Zohaid, very nice guy and helpful. Company in general has been good considering I haven’t been the best at paying my outstanding balance very quickly they’re always willing to work around my needs. 10/10.

16 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Zohaib's review Joe! 😁

Rated 1 out of 5 stars

Sad, pathetic little scammers

It’s been over 2 and a half years since they threatened me with court action to recover an already statute barred debt and are still trying their sad little scam. Not taken me to court. But are still sending their begging emails trying to get me to pay a nonexistent debt.

What are you waiting for Cabot? Just show the court the proof of the debt. You know the proof that you have refused to show me and expect me to you just take your word that it exists. We both know why, don’t we?

Not even debt collectors if there is no debt to pay, simply scammers and beggars. Your emails have no more weight than the ones I get from Nigeria telling me there is a box of cash waiting at an airport from the United Bank of the World. Do you want paying in Steam vouchers as well?

No sorry, you are worse as the 411 scammers are not subject to the rules of the Financial Conduct Authority, whose rules you break on a daily basis.

14 April 2026
Unprompted review
Rated 5 out of 5 stars

When I rang today I was apprehensive…

When I rang today I was apprehensive about talking to someone but Savannah was lovely and she made it so easy for me to talk to her which was nice 😊 I’m happy with the plan we have set up and Savannah gave me some good advice.

15 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Savannah's review Rachel, she'll love it! 💖

Rated 5 out of 5 stars

Helpful and Transparent

Update:

The issue was resolved.

I recently contacted Cabot Financial regarding an issue with how information is being reported on my credit file.

Although the situation itself is still ongoing and depends on the original creditor, I was genuinely impressed with how clearly and honestly Cabot explained their position. They took the time to walk me through why they are unable to amend the data themselves and how the reporting process works between creditors.

It was refreshing to speak to someone who didn’t just give a scripted response, but instead provided a clear and transparent explanation of what is happening and what needs to happen next.

While the outcome isn’t resolved yet, I do appreciate the level of communication and professionalism shown.

15 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for the review Robert and I hope you get it sorted!

Rated 5 out of 5 stars

I was so relieved and thankful for…

I was so relieved and thankful for Satnam, he was very calm and kind in explaining the situation to me. I struggle with a few medical conditions that make these situations very difficult, and it was made a lot simpler by having such an excellent communicator at the other end of the phone. Thank you Satnam for all of your help

15 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Satnam's review Ollie, he'll be so happy to see this! 💖

Rated 5 out of 5 stars

I had defaulted on payments and after…

I had defaulted on payments and after explaining my circumstances I was given a 30 day hold on my account. Agent was incredibly understanding and just lovely without being over friendly. Perfect. Nobody should be scared to answer their phone with agents like this.

15 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Abbi's review Wayne, she'll be over the moon to see this! 😁

Rated 1 out of 5 stars

I Cleared my account expected a letter…

I Cleared my account expected a letter saying account closed thank you. They are quick enough to send letters if you miss a payment and bombard you with phone calls.
They say they informed me 8 days after I cleared my account that is news to me I received nothing from them.

15 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hi David, I can see that confirmation of your account closure was sent to you 8 days after your payment. Congrats on clearing your account! 😊

Rated 1 out of 5 stars

Why do you use tactics that are inappropriate

Why do you use tactics that are inappropriate to people that need help?

14 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hi Ian, if you'd like to e-mail us with the specifics on this, please e-mail us at cabotwebcustomer@cabotfinancial.com FAO Gemma

Rated 5 out of 5 stars

Suki was so friendly

Suki was so friendly, helpful and compassionate. Excellent at her job.

14 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Suki's review Scott, she'll love this!

Rated 5 out of 5 stars

Competent person in Miko

Competent person in Miko, process a little long winded although not his fault just need.. thank you for a good experience

13 April 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Miko's review Brad 😊

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