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Lender DetailsMarlin Financial Services Ltd
Debt Collector

Marlin Financial Services Ltd

Also known as: Marlin Financial Services; Marlin; Cabot Financial (Marlin) Limited

Marlin Financial Services Ltd was a UK debt purchaser that acquired portfolios of consumer credit debts and managed their collection. The company has been dissolved and is no longer active.

Marlin Financial Services was historically part of a larger debt management group. Upon dissolution, any debt portfolios owned by Marlin would have been dealt with as part of the wind-down, potentially being sold to another purchaser or transferred within the group.

If you are being contacted about a debt that was previously associated with Marlin Financial Services, ask the company contacting you to confirm in writing who the current legal owner of the debt is. Any company pursuing a debt must be clearly identified.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice if you need help with any matter relating to a former Marlin Financial Services debt. If you are contacted about a debt that was previously with Marlin Financial Services, ask for confirmation of who the current legal owner of the debt is and their authorisation to collect it. You have the right to this information. Do not make any payment without first verifying that the debt is genuinely yours and that the company contacting you is legitimately entitled to collect it. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These organisations can help you establish whether a debt claim is valid and what your rights are.

Quick summary

Company typeDebt Collector
Trading namesMarlin Financial Services; Marlin; Cabot Financial (Marlin) Limited
FCA Firm Ref (FRN)Not verified
FCA statusCancelled / Dissolved (FCA entry: Cabot Financial (Marlin) Limited — authorisation cancelled on dissolution)
Companies House no.04618038
Company statusDissolved 17 January 2023 (Cabot Financial (Marlin) Limited — the renamed entity — dissolved 3 January 2023)
Parent companyCabot Credit Management (acquired Marlin Financial Services from Duke Street Private Equity for £295m in February 2014)
Official websiteNot verified
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

Why someone might search for Marlin Financial Services Ltd

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact Marlin Financial Services Ltd

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

WebsiteNot verified
PhoneNot verified
EmailNot verified
Registered addressKent, England (historical; Cabot Financial group address)
Customer contact addressNow Cabot Financial (UK) Ltd — see Cabot

Regulatory and company information

FCA Firm Reference NumberNot verified
FCA statusCancelled / Dissolved (FCA entry: Cabot Financial (Marlin) Limited — authorisation cancelled on dissolution)
Companies House number04618038
Company statusDissolved 17 January 2023 (Cabot Financial (Marlin) Limited — the renamed entity — dissolved 3 January 2023)
Parent companyCabot Credit Management (acquired Marlin Financial Services from Duke Street Private Equity for £295m in February 2014)

Useful official links

What they do

Main products and services

Consumer debt purchase (historical); Debt collection (historical)

Trading names and group notes

Fully absorbed into Cabot Credit Management group. Cabot is owned by J.C. Flowers & Co.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

No review data available.

Overall public sentiment

Dissolved; portfolios absorbed into Cabot Credit Management.

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

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General guidance tools only. Not regulated advice.

Common questions about Marlin Financial Services Ltd

Why has Marlin Financial Services Ltd contacted me?+
Marlin Financial Services Ltd may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does Marlin Financial Services Ltd own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask Marlin Financial Services Ltd to confirm this in writing, along with the name of the original creditor.
Can I ask Marlin Financial Services Ltd for proof of the debt?+
You may ask Marlin Financial Services Ltd to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from Marlin Financial Services Ltd?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can Marlin Financial Services Ltd take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can Marlin Financial Services Ltd visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Debt Collector companies

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