Based on 320 verified reports, this firm maintains a 90% trust rating within the Saving Traders community.
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.See more
"An overall great experience, good polite phone conversations, discovering the app was of great help, I feel the app is the way forward for all convenient messaging/payments, post final payments email etc for finalisation was very helpfull, directions for full closure of direct debit payments were thankful and complete execution of all tasks was easy and satisfying ! Thankyou and well done Cabot Financial !!"
"The best customer service agent I’ve ever encountered. Positive, polite and above all helpful, actually listening to the customer and responding appropriately."
"Have I payed it a now im very pleased with the service thank u"
"I called to change my payment plan and spoke to a lovely lady who sorted that without any issues or judgement. I'm sorry I forget their name. It was really easy to call you without any hold time and I'm so grateful for your support. Have a great BH weekend! Pete"
"I have been using Cabot for a while now and can not fault these guys. So helpful and always happy to help. I can't fault them. When things got tough they helped. Never once did they they make me feel uncomfortable or threatened. Always happy to help and cater for my needs for a change unlike others you here about. Thank you to you all that I have debt with. Especially Satnum, a truly good guy and knows how to make you smile and laugh. Thank you once again."
"Understanding staff, they were very helpful each time I needed to contact them."
"I'm sticking this review here to remind you all, if you don't comply with Cabot, they send these dogs after you, Mortimer Clarke. Whilst this review is about Mortimer Clarke Solicitors, it is part of the Cabot Financial Group, their systems are linked and they are the exact same staff in the exact same office, but with a few solicitors for their Solicitor side. So, I think this review is relevant to be housed here too. Also, I think Cabot could of done more knowing that I already had an account with them. Review from Mortimer: 27th August 2026: I have deleted my original review as things have moved forward and I think the information below is more relevant. Mortimer Clarke Solicitors and Cabot Financial have displayed an astonishing lack of ethics, regulatory compliance, and basic empathy. Around March 2026, I contacted them to state I could only afford £30pm as was already paying Cabot £50pm on another account. On the expedicture form attached to that letter, I stated I get £86pw carers allowance but made a mistake further down stating I get £86pm, this flagged up as a deficit of £50 and they have acknowledged that in the letters received from them. Under FCA CONC 7.3.5 guidelines, when a firm identifies a consumer in an active budget deficit, its explicit duty is to offer forbearance, freeze activity, and assist the consumer. They waited for me to miss the follow-up contact due to extreme stress looking after 2 disabled children and they aggressively rushed through a CCJ on the 30th June 2026 instead of freezing my accounts. Also, In the same letter I sent in March 2026, I stated "I've had enough", this should of also flagged up my vulnerability and my accounts should of been referred to their specialist team. They didn't. Instead of offering forbearance under FCA CONC rules when that income error showed a deficit, they weaponized it to rush through said court action. This behavior breaches the Fraud Act 2006, SRA rules, and FCA Consumer Duty guidelines. After unfairly securing that CCJ against a full-time carer caring for children with Autism and severe health issues, their legal compliance team actively manipulated digital correspondence to cover their tracks. They uploaded a "Final Response" letter to my customer portal dated 7th July 2026 that explicitly references a Subject Access Request (SAR). I didn't even submit that request till the 13th August 2026—a 37-day chronological impossibility. They also falsely claimed the SAR was paused for ID, despite Cabot's own SAR team confirming full processing without requiring ID on the 17th August 2026, whoops, they never got the memo.. The entire portal session and time-stamped contradictions are fully video-recorded and will be directly submitted to the FOS, SRA, ICO, and FCA unless they act within 7 days to my Formal Complaint I sent on the 26th August. Also this too from my complaint: "Furthermore, your claim on page 3 that Mortimer Clarke did not know I was already maintaining a £50 per month payment agreement with Cabot because you "do not have access to their systems" is a direct violation of the FCA Consumer Duty. As part of the same corporate group (Cabot Credit Management Group), you are collectively barred from allowing fragmented internal IT systems to cause severe consumer harm and double-hound a vulnerable household." They messed up.. Fight them, screenshot/video all letters. Open ALL letters they send through the online portal so they can't attach a altered letter to the link. I didn't open my 7th July original letter through my email, they know on their system if you access the letters. They altered that 7th July document after the 13th August but made a mistake of saying I put a SAR in 37 days before I did. If I don't receive them documents by I think, the 12th September, there is another breach of regulations I'll be pursuing. Avoid this organization at all costs"
"They keeping chasing a debt , that does not exist, since 2001, I I have paid about, £ 2000 they are still demanding for another £2,404.67, they are greedy, how can I still owe this much money, , it is almost 25 years ago, had monument card , they are not getting anything from me , fraudsters sent another letter, today they are wasting their time , before they agreed to get half the amount in the past , since I could not pay at the time they decided to keep demanding for more money, very bad"
"Awful company to deal with, the tone used in letters to you is aggressive, even when they are claiming you owe more than you do, they claim they have been trying to contact you, but when challenged cant provide any evidence. I have sent 2 emails to them on 14th June and 23rd August and still waiting a reply to both. Im just grateful that I inherited some money, and can finally get these vile people off my back"
"Terrible firm of lying and deceitful ballifs Avoid and do not give any bank details I’ve received offers of up to 90;% discount and still said no I read they started taking more money after discounted debt was paid Avoid Nicole as she is rude and mean I moved home and got so called retraced They could not knock on my door as the debt was dead I never paid a penny and saved 650"
"3 TIMES DIFFERENT NUMBERS IN SPACE OF ONE HOUR. USE YOUR BRAIN SEND EMAIL. Dear Cabot If you think I am going to have the decency to answer your many many different numbers - I won't. Calling from a local area code isn't going to work either! Also calling outside "standard" so called working hours also won't work. You leave answer phone messages in the early hours of the morning! I did answer once months ago and was a stupid robot recorded voice. If you were "proactive" you could easily send a letter with a PAYMEMT PLAN outlined and I happily agree but then again likely send to my DMP Company I use and you get around £2 ! Stop the harassment! And if you think your poor clients are going to tell your staff everything about thier personal circumstances and thier financial position well you tell us about yours first. And your so called 5 star reviews are likely totally untrue and totally made up. Cherrio."
"Despite making payments, Cabot will bombard you with communications trying to pressure you into setting up a Payment Plan. There is NO LEGAL OBLIGATION OR REQUIREMENT to enter into a Payment plan and the only reason they would like you to enter into one as this now creates a loose contract between you and Cabot, of which if you were to default on this payment plan, this gives Cabot legal leverage upon you further down the road. Make payments at your own pace and don’t be bullied by Cabot’s harassment suite of communications. Remember. Cabot will have paid between 1% and 30% of the amount they are claiming from you. Anything above that is clear profit for Cabot. At some point you will have paid them back the lowly amount they paid for the debt."
"Cabot helped me get out of a financial problem, quickly. A very understanding company to whom I am grateful. Best Regards"
"The lady i spoke too was very helpful understanding and pleasant and my problem was solved thank you ."
"Wonderful customer service from Satnam who made me feel at ease and helped me log into my online account. Very happy at the professional treatment I received. Thank you"
"I am nearly debt free. I needed proof of that, one of Cabot's staff Michell was exceptionaly helpful to me today providing letter and email, her customer service skills are superbe. C"
"You were very helpful, I was able to set up a good weekly payment plan,which was a lot easier on the finances.i paid more if I could afford it."
"Always helpful try there best to make sure what you're paying is ok to manage"
"The service was easy to use, I was able to set up a direct debit and pay off more if I could, they helped me het back on track , great service"
"Very approachable and understanding easy to deal with"
