Cabot Financial UK Reviews 

3,387
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 59% of negative reviews

Typically replies within 2 weeks

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4.3

All reviews

(3,387)

722 reviews in the last 12 months

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Rated 5 out of 5 stars

Graham you were a godsend

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 for helping me get my debts sorted. THANK YOU

May 21, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Ah what a lovely review for our Graham, thanks so much !

Rated 5 out of 5 stars

I spoke with Yan today and matters are…

I spoke with Yan today and matters are in the process of being resolved.
She was kind and informed me well. I feel happy that my financial situation is under control.

May 20, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Yan's review, she'll be really happy to read this!

Rated 5 out of 5 stars

I managed to settle my debt in half the…

I managed to settle my debt in half the time with your very helpful and efficient Satnam .
He talked me through my options and we settled on an affordable repayment agreement for me .I much appreciate it .

May 18, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Satnam's review, I've passed this to him and he'll be super happy!

Rated 1 out of 5 stars

Mafia

They are the mafia. Buy 'toxic debt' of money that never existed in the first place for a few pennies in the pound when the contract/agreement has already been securitized.
In olden time - debt buying was banned under common law (as was usury) - now we have moneymakers all over the show - and the dumbos giving 5* reviews either work at Cabot or don't understand how the financial system works. They are Parasitic scum.

February 13, 2026
Unprompted review
Rated 5 out of 5 stars

I was no longer scared to answer the phone !

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 with help me and insured my payments were manageable and my long term goal was achievable. I’m really grateful that my debt was passed on to Cabot and not a company that hounded me to breaking point, I can confidently say I’ve cleared my debt and am back on track, thank you guys for getting me through this difficult time !

May 14, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hannah this is amazing, congrats on clearing your account and thanks for the review! Take care x

Rated 1 out of 5 stars

When will these companies learn

When will these companies learn. Once an agreement is in place, STOP sending mail & messages. It brings the horror back that we all have to face when admitting our problems - we don’t need to re-live it every month or even quarter! Every email, letter & or text from Cabot makes your heart stop - you start to panic that they are gonna ask you to re-evaluate your income or repay more and the cycle starts again. These people have obviously never had money troubles.

May 1, 2026
Unprompted review
Rated 5 out of 5 stars

Gary was great

Gary was great. He treated me respect and was very approachable. He understood my circumstances and assisted me with empathy

May 12, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks Diane, Gary will love this! 😊

Rated 5 out of 5 stars

Cabot are a new generation of debt collectors

Cabot are not like the debt collectors of old, the type hat would sign u up to a plan that was hard to maintain. This company made my payments affordable and they were really nice to del with on the phone.

May 12, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Great review, thanks Guy! 👍

Rated 5 out of 5 stars

Lovely Experience

I contacted the company regarding my account and spoke to Miko . He was polite, professional, and respectful throughout the conversation. He explained the situation clearly, answered my questions patiently, and communicated in a calm and understanding manner. I appreciated his professionalism and willingness to discuss the matter respectfully.

May 11, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Miko's review, he's a little diamond! I'll pass on your kind words 😁

Rated 5 out of 5 stars

Good experience,

Really great company.
They have brilliant customer service.everyone I have dealt with over the phone has been genuinely nice,they ring you once ,twice a year to check that everything is still ok for you,and go through your finances with you.then they leave you to it.its taken me a long long time to become debt free ,and the advisor on the phone congratulated me on achieving this.i felt so relieved.i wouldn't hesitate to recommend this company to anyone who finds themselves in "money troubles.
I was very upset to get into this situation(through no fault of mine)and Cabot were brilliant,talking me through everything and setting a realistic payment plan,which I managed every month and was even able to increase over time.thank you.

May 10, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Aw Sue! What a lovely review, thank you. Take care x

Rated 5 out of 5 stars

Thanks for being helpful

Thanks for being helpful. How much is left to repay

May 9, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Hi Zoe, 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

Everything was clear what was a…

Everything was clear what was a available on my account,,the person I spoke to libby ,,,was pleasant and very helpful which you rarely get these days !! ,,and I understood what was offered to me at this time .thank you .

May 7, 2026
Unprompted review
Cabot Financial UK logo

Reply from Cabot Financial UK

Thanks for Libby's review, she'll be super happy to read this! 😊

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