Cabot Financial

A leader in financial services debt purchase in the UK

Cabot Financial logo


Cabot Financial was founded in 1998 and is the market leading UK debt purchase arm of Cabot Credit Management. The company buys consumer debt from a variety of businesses including retail banks, credit card providers, retail finance, telecommunications, utilities and investment funds. It provides a professional and caring service to its customers whose debts it acquires and works closely with them to agree affordable repayment plans based on their individual circumstances. With over 7 million customers the company ensures the customer is always at the heart of its business and has won numerous accolades for some of its innovative and professional approaches.

Cabot Financial in numbers



UK customers



Estimated remaining collections



Employees in the UK

Further information

Cabot Financial prides itself on its ethical values, customer service and high standards. The company is a founder member of the UK Debt Buyers & Sellers Group and a leading player in the Credit Services Association and the Consumer Credit Trade Association. In addition, Cabot Financial is a member of CAIS, Insight and Share, the credit bureaux closed user groups provided by Experian, Equifax and CallCredit respectively.

As part of Cabot Credit Management Group, Cabot Financial is authorised by the Financial Conduct Authority. Cabot Financial operates to the highest regulatory standards and takes exceptional pride in the way it engages with all of its customers. The business employs over 1,350 staff at its offices in Kings Hill, Kent (headquarters); Telford; Worthing; Malton; Shrewsbury; and London.

What is Debt Sale?

Debt Sale is a form of asset sale. Over the last 20 years it has become an increasingly popular strategy for a whole range of organizations wanting to improve cashflow and reduce balance sheet liabilities. It has become an integrated part of the credit management lifecycle cycle for almost all major UK businesses that provide credit as part of their business. A debt sale can take the shape of a one off sale, or a more regular arrangement; it is a flexible process mutually agreed between seller and purchaser.

As the market leader in consumer debt purchase in the UK, we can support you in finding a solution for your performing and non-performing asset. Contact us in confidence at

The Benefits

Purchase Process

Although the process can be flexible, the steps are essentially very simple and straightforward, taking on average six weeks from start to completion of sale. After signing a confidential agreement/data processing agreement, typically the steps are:

Step 1 - Initial data file is provided to purchaser

Step 2 - Indicative price is discussed with the seller

Step 3 - On-site due diligence with the seller

Step 4 - Binding price is discussed with the seller

Step 5 - Contracts are signed and funds are transferred

Our Markets

Our Service

David Connell

UK Commercial Director 



Suzanne Barry

Head of Client Partnerships 



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The Cabot Credit Management Group incorporates: