Before you decide whether to proceed your debt to Court there are many factors that you should consider.

What is the reason you need to proceed the matter to Court?

You also need to consider whether taking the debtor to Court will play into the debtors hands.  Proceeding to Court can be a costly and a time consuming experience and winning your case does not ensure payment.

The harsh reality of the Court system is, Yes you will proceed the debt to Court and will no doubt win your case, however what this means is the Court will provide you with a CCJ (a piece of paper advising that you are owed money).

Do you really need to be told you are owed money ? do you really need to spend thousands of pounds to achieve winning your case just to obtain a piece of paper stating the defendant owes you money ?

Even when winning your case you then still have to look to take Enforcement action.  Statistics show that for every 20 CCJ’s that are issued nationally, 18 of them still need to be Enforced.

Court’s are now trying to steer claimants away from Court hence why they have raised the bar for the small claims limit amount and increased fees for taking the debt to Court, and what they are insisting on now is that the claim must also be compliant with the civil procedure rules, pre-action conduct and protocols.

There are currently 13 protocols including amongst others, construction and engineering disputes and professional negligence.   If there is no relevant protocol you are required to follow pre-action conduct as set out in the civil procedures rules practice direction pre-action conduct and protocols (the practice direction).

Before commencing proceedings the Court will expect both parties to have exchanged sufficient information, all of which can be very confusing for the normal every day person who just wants to find an easy way of having their debtor pay the monies that are due.

As with any debt/ debtor it is always a case of bringing them to the table by finding the right buttons to press, Cobra Financial Solutions Limited for 2016 achieved a 87% success rate in recovering bad debt without the need of a CCJ, we can accept it when a company says they cannot pay, what we will not accept is when somebody says they will not pay.

Our job then is find a solution to recover the monies as we successfully have done for the past 7 x years this is also backed up by our extensive testimonial list via our website.

If you are owed monies contact us below or call us on 0151 526 4222 to see how we can assist you.

We are a fully regulated company with the FCA (Financial Conduct Authority) we can help take away all the hassle and pressure of being owed monies and allow you to look after business going forward rather than being dragged back by somebody is refusing / avoiding payment, Cobra will have the monies rightfully back were they should be which is in your Bank account.

Use the form below and we will call you back.  If you prefer to contact us, give us a call or use this form

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