Cabot - A Brand You Can Trust

Cabot - A Brand You Can Trust

Being in debt can be stressful and we understand that. That is why our customers have helped us build our customer promise. 

Your Options

When you have an outstanding balance with Cabot you will have many options available to you

  • Clear the account in full
  • Set up a Personal Payment Plan and pay monthly
  • Make a one off payment

For even more options, or for questions about your account please do call us. We do, on some occasions, refer our accounts to third parties and our legal partners. The best way to avoid this is to contact us.

Credit Reference Agencies

There are three main Credit Reference Agencies in the UK – Experian, Equifax and CallCredit. The Credit Reference Agencies record details of credit accounts and the repayments people make towards them. Most people who have borrowed money from a lender will have information held by the Credit Reference Agencies – this is called your credit file. For many of our customers their account is registered at a Credit Reference Agency, this will show with the name of Cabot.

Benefits of making payments

  • Where payments are made to an account they are reflected each month to the Credit Reference Agencies and all payments are shown by reducing the outstanding balance.
  • Where the full balance is paid the account is shown as “satisfied” with a nil outstanding balance.
  • If an agreed reduced amount or discount amount is received to clear the balance, the outstanding balance is shown as “nil” and marked partially settled (“P”) which indicates the account was cleared for a reduced balance.

Consequences of not making payments

  • All lenders from mortgage companies to mobile phone providers will use the Credit Reference Agencies and this information will be available to them to make decisions about whether to lend money to someone. They can see where no payments are being received and this is likely to have an impact on their assessment.

Free Financial Help

There are organisations that can offer you free financial advice or guidance; some of them are listed below.

Customer Feedback

What our customers say

"The operator was very very friendly, understanding to situations, very very helpful, couldn't fault her."

22 Mar 2017

"It was sorted very quickly and very easily. Thank you very much to the lady I spoke to, absolutely brilliant."

22 Mar 2017

"Person speaking to understood my situation, helped me work out money wise how I can afford to pay back the balance that I was on. Very pleased with everything."

22 Mar 2017

"The person I spoke to was warm, friendly, very professional, very helpful. Told me everything I needed to know in a way that I could understand, wasn't too complicated. Made everything very easy and very very helpful."

22 Mar 2017

"The person was very pleasant, very helpful and suggested several ways the debt could be repaid."

22 Mar 2017

"The representative that I dealt with was extremely pleasant and made me feel very at ease. I didn't feel that she was ringing up about a debt, she was just extremely nice and helpful."

22 Mar 2017

"Every time that we have telephoned Cabot they have sorted the problem out for us."

21 Mar 2017

"Very patient, very informative, very professional, very helpful."

21 Mar 2017

"Excellent, excellent and excellent."

21 Mar 2017

When Things Go Wrong

We know we don't always get things right. Sometimes our customers feel that we haven't treated them fairly, or they have a problem which we haven't dealt with as well as we could have. No matter what the issue we want to hear from our customers so that we can look into their concerns and try and make it right. We are dedicated to bringing our customers the best experience we can. We take on board all the feedback we receive and we try to fix issues that are identified. We have implemented many new practices from the feedback we've been given by our customers, and we're still ready to learn and develop. From listening to our customers we have improved our communications, offerings and products to suit our customers better. If you need to make a complaint, click here to find out how.

More Information:

The Financial Conduct Authority publishes collective complaints data covering all firms. The Financial Ombudsman Service publishes separate complaints data on the number of complaints referred to it by individual firms. To view complaint information for Cabot Credit Management (CCM) you can click on the link below.CCM Complaint Data

We have the following memberships and accreditations:

CSA Investors In People The Sunday Times rating CCTA Institute Of Customer Service