Cabot Financial UK Reviews 

3,384
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
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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

(3,384)

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

I spoke with Emily for almost 30…

I spoke with Emily for almost 30 minutes. Excellent would be an understatement. She was the kindest agent I had ever spoken to. She made me smile ear to ear with joy, despite the situation. I’m sure all the other staff are also amazing but I doubt they measure up to her brilliant telephone etiquette.

15 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review for Emily, thanks Jovane!

Rated 5 out of 5 stars

Spoke with Miko who was understanding…

Spoke with Miko who was understanding and friendly. He took the time to listen to my circumstances and was able to suggest a way forward to shorten the length of money owed… Thank you so much..

15 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review, thanks so much Karen!

Rated 1 out of 5 stars

I'm still having difficulties with…

I'm still having difficulties with them. Having paid £9500 of a £12000 debt they still want the whole lot.
I own my own home outright and have savings through a career of hard work.
I am 61 years of age and have always paid my way. I accept I racked up this debt when I was much younger but times change and this is the only debt I have left.
This company are the worst debt company I have dealt with. Other companies offered very generous discounts of 30% and a twelve month payment plan. Cabot offer nothing.
I have been passed to their sensitive support team and was basically given a phone number for the samaritans.
They have refused my latest settlement offer and the chap who sent the email reply (Martyn ) said the best cause of action for you is to pay the lot. This money is due now. Martyn sounds like his customer service skills could do with a tweak.
So now I have no desire to play anymore. I will send them £5 a week and see where we go.
If I end up with a CCJ after having paid all that money I will update on here.
Seriously , not a nice company overall. Some of the staff make sympathetic noises but others take themselves far too seriously and are obviously target driven with no soul.

12 June 2026
Unprompted review
Rated 5 out of 5 stars

Outstanding

Cabot have been exceptionally supportive, through very stressful financial times.
Thank you to all the Cabot team that have helped me along the way.

14 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review, thanks so much!

Rated 1 out of 5 stars

Told them several times I'm in a debt…

Told them several times I'm in a debt management plan and given them the reference number but still receive threatening letters from them a few times a week. You try and do the right thing by offering to pay your debs back after unexpectedly losing your job (rather than go bankrupt) but they still threaten you. Don't ask for any details from me on here, you've got all you need.

13 June 2026
Unprompted review
Rated 5 out of 5 stars

Thank you

Thank you. I cannot fault this company for helping me manage an affordable repayment process and final settlement payments.

No hassle. If you work with them, they work with you. My credit score has improved massively

13 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks so much for a lovely review Karen😊

Rated 5 out of 5 stars

That's alright my wish is to settle it…

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 different shops without.Can l have the summary of my payments.

11 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hi Pepetua, thanks for the review. Give us a call or go through to our webchat if you need any account info 😊

Rated 5 out of 5 stars

Compassion by the truckload

At Cabot all the staff have the compassion to make them easy to talk to. Their willingness to HEAR you is invaluable.
Of all the debt collectors….these are the ones you want to deal with.😄

11 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review, thank you! 😊

Rated 5 out of 5 stars

Having Miko to do my review for the…

Having Miko to do my review for the second time was amazing he was very helpful and so great professionalism . He took his time to explained everything.

10 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Miko's review, he'll love this!

Rated 5 out of 5 stars

The lady I spoke to on the phone

The lady I spoke to on the phone, from Cabot financial, was absolutely brilliant, explained everything in detail, made me feel comfortable and at ease,

6 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for the review Julie 😊

Rated 5 out of 5 stars

Easy to deal with

Easy to deal with. Staff when I have needed to speak to them have been helpful.

5 June 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for the review Janey!

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