Cabot Financial UK Reviews 

3,386
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
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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

(3,386)

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 1 out of 5 stars

If I could give minus stars I would

If I could give minus stars I would. I felt uncomfortable and pressured to put a payment plan in place that will affect my ability to pay my priority bills with threats of legal action and ‘we can’t leave this without a payment plan’ The customer service person offered me a 60 days hold which is pointless as my situation won’t change and I explained I didn’t want to go through this process again feeling like the worst person in the world for having a debt I’m struggling to pay.

July 23, 2026
Unprompted review
Rated 5 out of 5 stars

Very professional and understanding

Customer service was great,Cabot took my debt over from my bank. An operative of Cabot phoned me and explained everything to me. The repayments were reasonable and affordable for me. They were very understanding of my situation. I received regular statements to keep track .

July 22, 2026
Unprompted review
Rated 5 out of 5 stars

Miko was fantastic

Miko was fantastic, great personality and did everything he could to help me even when I suggested a plan that wasn't correct for the situation he could have easily gone along with me but knew what worked best and made sure we got it right.

July 22, 2026
Unprompted review
Rated 4 out of 5 stars

I lost my business and nearly my house

I lost my business and nearly my house, 15 years later I am still paying debts now owed to Cabot. We have a controlled payment sheme. Unlike many, they do not chase every week threatening legal action or pester me constantly. No one wants debts, it keeps you awake at night, but Cabot don't make it worse.

July 21, 2026
Unprompted review
Rated 5 out of 5 stars

My Debt Journey

I have incurred debts following difficult times in my life.I have always found tve staff at Cabot Financial to be understanding helpful and proactive.Being in debt is not an easy place to be so having people who want to help is invaluable.Thank you Cabot I do hope we never meet again with the greatest of respect.

July 22, 2026
Unprompted review
Rated 5 out of 5 stars

Derek the team member was outstanding

Derek the team member was outstanding, one of the best examples of customer service I have ever seen. He showed compassion and empathy, he listened and even though a difficult subject put me at ease

July 22, 2026
Unprompted review
Rated 5 out of 5 stars

What a great experience

What a great experience. From the start it was so easy to set up, no hassle throughout. Now my account has been paid off. If you are in any doubt, please take this as your sign to get started with them. 10/10

July 21, 2026
Unprompted review
Rated 3 out of 5 stars

Not suitable for Vulnerable adults

I found Cabot difficult to work with as a vulnerable adult. Everytime I explained my medical and financial situation I was informed I would be passed to a specific team, the team would then asses me and say I was unable to set up a payment plan. After the 3rd time of this circle pattern behaviour I was able to find a way to pay monthly without further contact, however despite paying regularly, I received letters weekly harassing me into trying to make a payment plan again and now they have passed my debt to a solicitor, reducing the accsessiblity for me to pay and leaving someone with autism to navigate a pathway. Suitable for people with Jobs not people in seriously vulnerable situations.

July 17, 2026
Unprompted review

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