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Head Office:0151 526 4222

Help and advice

Struggling with debt?

If you have been contacted by Cobra Financial Solutions, use the support and advice section below to get the answers you need.

It is estimated that almost half of the UK adult population have accumulated debt. So if you owe money, you are not alone.

For those struggling to deal with debts, there is help available. And Cobra Financial Solutions are here to support you.

Reach out to any of these organisations for free and independent advice and support:

A creditor has passed us your information. They wish to claim back monies owed to them and we are acting on their behalf.

If your reason for non-payment is genuine, and you are struggling to afford to repay the debt, we will work with you. Our team of recovery agents can support you in working out an affordable repayment plan moving forward.

You may have been contacted by us, but have no knowledge of the debt in question. It may be that the debt is old, accumulated on a previous account or business name. Or it may be that you have moved address and weren’t receiving correspondence.

To discuss your case, feel free to contact us for further support and advice.

Contact us to verify the details of the debt in question. Once we have assessed all relevant details, we will inform our clients and clear the debt record. At this point, we will not contact you again regarding the case.

The team at Cobra Financial Solutions act with integrity at all times, and we invite debtors to contact us to discuss their case in an open and honest manner. This way, we can resolve matters quickly and fairly.

Contact us to confirm the details of the debt in question. We may ask you to share relevant documents which validate or disprove the creditor’s case. Once we have assessed all relevant details, we will inform our clients and amend the debt record.

The team at Cobra Financial Solutions are here to listen and support you, so we invite you to contact us to discuss your case in an open and honest manner. This way, we can resolve matters quickly and fairly.

Very occasionally, debts are paid just before correspondence has been sent. If this is the case, please contact us as soon as possible to discuss the case. We will then contact the creditor to ensure all payments have been made and confirm this to you in writing.

Please contact us and we will supply you with any information you may require.

If you are ready to make a payment or schedule a repayment plan, please contact us and we will talk you through all the options available to you.

For further information on how to make payments quickly and easily, please also refer to the correspondence you have received.

We take all complaints very seriously, and work hard to investigate any allegations made. Please refer to our complaints policy below.

Please contact us to discuss the matter in question.

Cobra Financial Solutions aim to work with professionalism and integrity at all times. We are committed to delivering industry-high success rates, whilst maintaining exceptional communication at all times.

But if you are dissatisfied with your experience in dealing with us, then we welcome your feedback.

Our aims

  • We will investigate the matter with honesty and integrity.
  • We will discuss the matter with you professionally, in a polite and discreet manner.
  • We will acknowledge the complaint and aim to provide a full response within 7 days of receipt.
  • We will not treat you differently once you have made a complaint.
  • We will use all feedback to further improve our business.


Our complaints procedure

Our trained staff will listen to your complaint and discuss the matter with you. Please use the telephone number at the top of your letter to speak with one of our agents.

If you remain dissatisfied by the outcome at this point, you may wish to escalate the complaint. You can do this by writing to the managing director of Cobra Financial Solutions at the following address:

CEO Cobra Financial Solutions
Aintree Building
Aintree Motor Racing Circuit
L9 5AQ

Once complaints are received, we will confirm acknowledgment of the complaint and aim to have responded within 7 days. If the complaint is more complex, we may take up to 14 days to respond to you in full.

The team here at Cobra Financial Solutions pride ourselves on integrity. Your feedback helps us to become a better and stronger business.

Help and advice for creditors

If you’re a creditor, and you’re considering using Cobra Financial Solutions to collect your debt, use the support and advice below to get the answers you need.

Before we collect any debt, we first ask to see proof of the debt’s legitimacy. This must be clear, documented proof that you are owed money. Examples of evidence include: bank statements, quotations, invoices or copies of correspondence between you and the debtor.

(Sadly, we do not accept cases which involve cash exchanges.)

The Cobra team will accept your invoices as soon as the terms have been exceeded. This is usually after 30 days.

Current legislation states that in the absence of a written agreement, payment is due 30 days after the invoice was issued.

Unless you have agreed payment terms in writing with the creditor, we would be unable to accept instruction until 30 days after you issued the invoice.

Yes. If the debtor has a means to pay, we can collect any debt up to 6 years old. However, if the debt is older than 6 years old, it is deemed dead.

The minimum instruction we accept is £1000.00.

Yes. Once we have established why the debt is disputed, we will create a collection plan which will ensure you get the results you need.

Often, debtors raise disputes in order to delay paying, yet their reasons are often unfounded.

This is not a problem at all.

Over the last 12 years, we have collected debts from all over the world. Distance is never an issue. Wherever your debtor is, we will bring them to the table.

Have a look at this success story from our US-based clients, The Bank Of New York Melon.

Over the last 12 years, our success rate has always been above 80%. And we are very proud of this.

In 2020, due to the impact of the pandemic, our success rate did drop to 88%, down from 89% in 2019.

Occasionally, we do fail. But to ensure we minimise all risk, we assess each case before we accept it. We only take cases we are sure we can win. (Debtors must be able to confirm and prove the debt’s legitimacy before we will begin the collection.)

Simply complete the contact form and a member of the Cobra team will be in touch. Or call us at one of our regional head offices.

To find out more, visit

On average, it took us between 1 to 5 weeks to conclude each of our cases in 2020. Rest assured, we will always strive for the quickest result for our clients.

We were wearing body cameras even before the law in the UK changed to stipulate that all enforcement agents must wear them.

Why? They improve results, ensure full transparency, and protect our staff.

If any disputes are made following our visits, we can move to swiftly negate them. Video footage will depict our professionalism and integrity when dealing with debtors.

And when we visit your debtor, you will be able to watch the collection process.

Upon instruction, you will be designated a personal case manager. They will be able to answer any queries or questions you may have. You can also track the progress of your case live via the client portal, 24/7.

Our Cobra collection agents will never accept a proposal or an amendment to the terms without first speaking with you. If at this stage you are happy to accept the terms outlined, then we will require documented proof of your acceptance via email.

We make sure that you are in charge, every step of the way.

You must not enter into discussion with debtors during this time. If your debtor has attempted to get in touch, contact your case manager, or advise one of the Cobra team as soon as possible. Miscommunication can lead to disputes.

Clarity is vital to ensure a successful collection. So Cobra will act as a spokesperson, liaising directly with both client and debtor.

We will contact you as soon as your money has been collected. We will then reconfirm all details via an email.

12 years in business. Unrivalled customer reviews. An industry-high success rate. 75 years’ combined experience in the industry. Award winning. An unwavering dedication to ensure we get the best results for our clients. And an ethos built on integrity and loyalty.

To find out more, check out our independent Trustpilot reviews and our client success stories.

If you have any more questions, or you’d like to speak to a member of the Cobra team about your case, then get in touch.

It’s your money. So get it back in your pocket: where it belongs.