Cabot Financial (Europe) Limited: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 10 years
Protected through the principal
No FCA actions
Active company since 1997
Its phone number is also given by a firm that is no longer authorised
One of its directors is also a director of a firm that is no longer authorised

Responsible principal firm

Cabot Credit Management Group Limited Reference number: 677910 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
Cabot Financial (Europe) Limited (FRN 743525) is an AR of Cabot Credit Management Group Limited (FRN 677910). When you use Cabot Financial (Europe)'s services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Cabot Financial (Europe), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

cabotfinancial.co.uk (opens in a new tab)
Phone number

01753 724400

Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
Address

1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA, United Kingdom

In the full report: 3 background checks

When cabotfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01753 724400 is, and the 2 other firms that give it
Who else gives the postcode ME19 4UA

Other names (4)

If you were contacted under any of these names, it is this firm.

Cabot Trading name: A name it trades under now.
Cabot Credit Management Trading name: A name it trades under now.
CCm Trading name: A name it trades under now.
CFE Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Cabot Credit Management Group Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 03439445 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 19 September 1997 (29 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Jenkins	Director	Nov 1969	18 Jan 2021	43 other companies
John Yung	Director	Apr 1965	23 Jun 2023	4 other companies
Timothy Croom	Director	Jul 1976	31 Mar 2025	3 other companies
Lucy Marie Bassett	Secretary	Not published	30 Sep 2024	–

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 48
closed down: 21
are FCA-registered: 4

In the full report: all 48 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 on the FCA register, including one no longer authorised
The 2 companies these 3 directors run together
All 20 people who have ever been directors, with their dates

Key dates in its history

Cabot Financial (Europe)’s history from the FCA register and Companies House, newest first.

Key events (3) All events (43)

2016

30 June 2016

Cabot Financial Debt Recovery Services Limited gained significant control

Companies House

8 April 2016

Became an appointed representative

FCA register

1997

19 September 1997

Incorporated at Companies House

Companies House

In the full report: all 43 events

All 43 events in its history (3 shown here)
Every director appointment and resignation: 35

Firms connected to Cabot Financial (Europe)

Other FCA-listed firms that share a director, phone number or address with Cabot Financial (Europe). A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 5
no longer authorised: 1
share a director: 4

In the full report: all 5 connected firms, named

How each is linked: shared directors (4), the same phone number (2), the same postcode (2)
Who links each one: the named directors, with dates

Get the full report on Cabot Financial (Europe)

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

48 other companies its directors have run, named
3 background checks on its contact details
All 43 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cabot Financial (Europe) Limited FCA authorised?

Cabot Financial (Europe) Limited (FRN 743525) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Cabot Financial (Europe)?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Cabot Financial (Europe) Limited (FRN 743525) is an AR of Cabot Credit Management Group Limited (FRN 677910). When you use Cabot Financial (Europe)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cabot Financial (Europe), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is Cabot Financial (Europe)’s phone number and website?

The FCA register lists the phone number 01753 724400 and the website cabotfinancial.co.uk for Cabot Financial (Europe). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms, one of which is no longer authorised.

Is Cabot Financial (Europe) a scam or clone?

Cabot Financial (Europe) is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Cabot Financial (Europe)?

Protection works through Cabot Credit Management Group Limited, the principal firm responsible for Cabot Financial (Europe)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Cabot Financial (Europe)?

Companies House lists one person with significant control of Cabot Financial (Europe): Cabot Financial Debt Recovery Services Limited (significant influence or control).

Who runs Cabot Financial (Europe)?

Companies House lists 3 directors of Cabot Financial (Europe): Paul Jenkins, John Yung and Timothy Croom.

How long has Cabot Financial (Europe) been in business?

The company was formed on 19 September 1997.

Does Cabot Financial (Europe) use any other names?

It trades as Cabot, Cabot Credit Management, CCm and CFE.