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

I was impressed with the patience to listen to me and the pleasant way they handled the call.


24 Aug 2017

Very professional service.


21 Aug 2017

I think it's just that human touch and speaking to a human being who are extremely helpful and knowledgeable.


25 Aug 2017

It's a rough art being in debt and it's nice to talk to people that understand, are quite willing to listen and come to some arrangement. Quite happy.


24 Aug 2017

Absolutely wonderful. One of your colleagues I spoke to yesterday about my debts was absolutely brilliant. She listened absolutely [fantastically], she spoke to your supervisor and she got back with the answer that I wanted so that was brilliant.


24 Aug 2017

They knew all about the help that was available, they knew that some people do get into difficulties. They're just lovely.


23 Aug 2017

Answered my query very promptly and professionally.


11 Aug 2017

Taking the stress out of the situation.


23 Aug 2017

Very sympathetic, very understanding, very knowledgeable, really nice chap.


23 Aug 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.

CCM Complaints Data

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.

We have the following memberships and accreditations:

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