Our terms and conditions


Using the CCM site


These terms and conditions are for the corporate website (accessed through for Cabot Credit Management Group (referred to as "Cabot/we/our/us"). Full company details appear at the end of these terms and conditions. In this Policy "Cabot", "we", "us" and "our" means Cabot Credit Management Group of Companies and "you" means the individual who is using the website. "Group" means Cabot Credit Management Limited and its associated companies.


As a user of this website (referred to as "you/your") you acknowledge that any use of this website is subject to these terms and conditions (which also includes the Privacy Policy).




  • read through these terms and conditions carefully before using this corporate website;
  • print a copy for future reference;
  • and also read our Privacy Policy regarding your personal information and our cookie policy.


If you are looking for information with regard to repayment of your debt with Cabot Financial (Europe) Limited or dlc (the trading name of Hillesden Securities Limited) or Apex Credit Management Limited then please go to our customer websites at or or as applicable, as you are now visiting the corporate website for the Cabot Credit Management Group. Please note that by clicking on any of the links above or by accessing the relevant customer website, you agree to be bound by a different set of terms and conditions and Privacy Policy.


1. General


1.1 You acknowledge that if your use of this website is for business purposes then your use is in the course of your employment and you are using this website with the permission of your employer or entity/organisation that you represent. As such, use by you will bind the employer/organisation on whose behalf you are making such use, to the prevailing terms and conditions. Accordingly, 'you/your' shall also include your employer or entity/organisation. If you do not have permission from your employer or entity/organisation then you must not access or use this website.


1.2 We reserve the right to change these terms and conditions at any time. Any such changes will take effect when posted on the website and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest terms and conditions.


1.3 When you use any services on this website, please also read any additional information provided on the relevant web pages as this information will provide you with important information, full details on how to use such services and other legal information.


2. Intellectual Property


2.1 We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. Cabot Credit Management and Cabot Financial are UK and EU-registered trademarks of Cabot Credit Management Limited. You are permitted to use material on our website only as expressly authorised by us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to), in any way, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content whatsoever without our prior written approval.




3.1 You may use our website only for lawful purposes. You may not use our website in any way that breaches any applicable local, national or international law or regulation, or that is in any way unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect. You may also not use our website:


  • such that it may or does harm or attempt to harm minors in any way;
  • to send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards;
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);


  • to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.


3.2 You also agree:


  • not to reproduce, duplicate, copy or re-sell any part of our website in contravention of the provisions of our terms of website use;
  • and not to access without authority, interfere with, damage or disrupt:any part of our website;
  • any equipment or network on which our website is stored;
  • any software used in the provision of our website;


  • any equipment or network or software owned or used by any third party.


3.3 When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate. Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our website, and may result in our taking all or any of the following actions: immediate, temporary or permanent withdrawal of your right to use our website; issue of a warning to you; legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; further legal action against you; disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law. We exclude our liability for all action we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.


4. Liability and Indemnity


4.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under applicable law.


4.2 Subject to section 4.1 above, Cabot will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind, express or implied statutory or otherwise, regarding the contents or availability of the website or that it will be timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses, bugs or Trojans of any kind or represents the full functionality, accuracy, reliability of the website. Cabot will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website and Cabot accepts no liability of any kind for any loss and/or damage from action taken or taken in reliance on material or information contained on the website.


4.3 Subject to section 4.1 above, other than as expressly provided in these terms and conditions, any indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted under applicable laws.


4.4 Subject to section 4.1 above, Cabot will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent on negligent misrepresentations) or otherwise out of or in connection with the terms and conditions for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; consequential, special or indirect losses suffered or incurred by that party arising out of or in connection with the provisions of any matter under these terms and conditions


4.5 We will take all reasonable measures to safeguard any details submitted using the secure website, but we cannot be held liable for any loss and/or damage caused whatsoever as a result of unauthorised access to information provided by you, unless we are proven to be negligent.


4.6 We will not be responsible to you if there is unauthorised access to your login details or unauthorised activity on this website as a result of your login details becoming known by someone else, unless this is due to our negligence.


5. Miscellaneous Provisions


5.1 We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.


5.2 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party or whatsoever unless agreed upon in writing by Cabot.


5.3 Cabot reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions and/or any other terms and conditions to any third party and/or any person or legal entity within the Group.


5.4 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected.


5.5 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party to them (within the meaning of the UK Contracts (Rights of Third Parties) Act 1999).


5.6 No delay or failure by Cabot to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Cabot.


5.7 These terms and conditions including the documents or other sources referred to in them, supersede all prior representations understandings and agreements between you and Cabot relating to the use of this website and sets forth the entire agreement and understanding between you and Cabot for your use of this website.


5.8 These terms and conditions, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. You and we both agree to the exclusive jurisdiction of the courts of England and Wales.


5.9 This website ( is operated by Cabot Credit Management Limited, a company registered in England with company number 05754978, whose registered office is at 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA. Cabot Credit Management Limited is the parent of Cabot Credit Management Group Limited which is authorised and regulated by the Financial Conduct Authority with firm reference number 677910.


5.11 The Cabot Credit Management Group includes Cabot Financial (Europe) Limited, Hillesden Securities Limited (trading as dlc), Apex Credit Management Limited, Cabot Financial (UK) Limited and Financial Investigations and Recoveries (Europe) Limited and companies in other countries.


5.12 The Cabot Credit Management Group is a member of the Credit Services Association, the Debt Buyers and Sellers Group and the Civil Courts Users Association.


5.13 Cabot Financial (Europe) Limited and dlc are members of CAIS, Insight and Share, the credit bureaux reporting platforms provided by Experian, Equifax and Callcredit respectively.


6. Corporate and Financial Information and Reports


Cabot’s directors are responsible for the maintenance and integrity of the corporate and financial information included on this website. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.