Cabot Financial UK Reviews 

3,388
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Evaluating 716 reviews, reviewers overwhelmingly had a great experience with this company. People frequently praise the support team for being exceptionally kind, patient, and understanding, which helps significantly reduce anxiety during stressful financial situations and difficult times. Consumers appreciate how easy it is to communicate with friendly advisors who guide them step-by-step through sustainable payment plans without any judgment or pressure. However, some people mentioned feeling deeply frustrated by persistent communication, automated messages, and unwanted calls regarding payments even after agreements were already settled. Reviewers also noted ongoing difficulties when trying to resolve account issues, stop repetitive calls, or reach a helpful representative through automated systems.

What people talk about most

Staff

Users describe positive interactions with staff, highlighting their helpfulness, patience, and professional... See more

Customer service

Reviewers highlight positive aspects of customer service, describing representatives as polite, helpful, and... See more

Payment

People report ambiguous experiences with payment plans, highlighting a distinct split in customer feedback.... See more

Service

Reviewers mention positive feedback about service, expressing appreciation for the helpful and understanding... See more

Customer communications

Customers consistently note ambiguous experiences with contact, as opinions are heavily divided. On one hand,... 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

Graham you were a godsend. I’m someone that has phone phobia and absolutely dread making these kinds of calls. Graham was kind, thoughtful and took into account my situation. I cannot thank him enough... 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

(3,388)

620 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

Prompt service

Prompt service. Quick clearance of account and follow up letter to say account cleared. Dates unknown as cleared through Stepchange.

June 12, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for the review David!

Rated 5 out of 5 stars

5 STAR PLUS customer service from GEORGE

Your colleague, GEORGE, gave 5 STAR,
ULTRA professional Customer Service. He is VERY knowledgeable, patient,
personable and extremely helpful. All queries resolved in one phone call.
Thank you CABOT, thank you GEORGE,
for all you do to help your clients Also I know that if another colleague had taken my call I would have had the same 5 STAR SERVICE.

June 19, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review for George, thanks Atalanta!

Rated 5 out of 5 stars

A positive experience

Everyone at Cabot has been very kind, understanding and reassuring during the time I have been a customer. I have always found it easy to discuss my account and arrange payments that were affordable for me. I have never been put under any pressure. I have now made my final payment and a very nice lady called Ketty helped me through the process. My experience of dealing with Cabot has been a positive one.

June 17, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review, thanks so much Karen! Congrats on clearing your account!

Rated 5 out of 5 stars

Spoke with an Agent named Angelina

Spoke with an Agent named Angelina, given the taboo nature of the call she made me feel safe enough to share my personal issues which have led to my situation.

10/10 magic

June 16, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

What a lovely review for Angelina, thanks Marc!

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.

June 15, 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..

June 15, 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.

June 12, 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.

June 14, 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.

June 13, 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

June 13, 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.

June 11, 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.😄

June 11, 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.

June 10, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

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

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