Home About Cabot Money Management Help & Support Sign in or register Support to help you manage your debt We understand being in debt can be stressful. This 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 four main Credit Reference Agencies in the UK – Experian, Equifax, Crediva and Transunion. 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 should 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. PayPlan - is one of the largest debt help organisations in the UK, offering free advice on debt, benefits and financial wellbeing. You can phone them on: 0800 280 2816 StepChange Debt Charity - can work closely with you and will give you advice on your debt situation. You can phone them on: 0800 138 1111 MoneyHelper (formerly 'The Money Advice Service) - Free and impartial money advice, set up by the government National Debtline - Gives options to people with debt Citizens Advice Bureau - Individual branches can help you with legal, financial and other problems Find out more about financial help When Things Go Wrong We’re proud of our commitment to excellent customer service and we work hard to make sure every customer has a positive experience of working with us. Unfortunately, sometimes things go wrong, but we’re just as committed to making sure we put things right as quickly as possible. We have implemented many new practices from the feedback given to us by our customers, and we're still ready to learn and develop. If you think we’ve made a mistake, then let us know by following our complaints process. Find out how to make a complaint Make a quick payment About Us Money Management Support Policies Accepted payments Bank transfer Postal order Debit card Credit card Online banking PayPoint Cheque Standing order Direct Debit Download Our App Download the MyCabot App to sign in using TouchID and manage your account anywhere, anytime. Connect Visit Cabot Credit Management View Cabot Careers © 2021 Cabot Financial Cabot Financial (Europe) Limited is an Appointed Representative of Cabot Credit Management Group Limited which is authorised and regulated by the Financial Conduct Authority with firm reference number 677910. Cabot Financial (Europe) Limited is registered in England and Wales with Company No. 3439445. Registered Office: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent ME194UA. Cabot Financial (Marlin) Limited is registered in England and Wales with Company No. 4618038. Registered Office: Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP.