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Cobra Financial

Debt Recovery Trustpilot’s #1 debt recovery agent If you are owed money, you deserve it back. No excuses.

Every year, hundreds of businesses and individuals come to us for one reason: they are owed money, and want it back. In almost all cases, they’ve tried desperately to communicate with their debtor, but aren’t getting anywhere. They’re tired. They’ve wasted hours of administration time. And a long, drawn-out court process seems just too stressful and expensive. They’ve had enough.

That’s where we come in. Cobra Financial Solutions have over 75 years’ experience in the debt recovery industry. In 2019 alone, we collected over £14 million for clients across the UK. We do so quickly, professionally and efficiently, visiting your debtor with 48 hours of instruction.

Trust Cobra

  • Trustpilot’s #1 rated debt collection agency
  • One of the highest success rates in the industry
  • Quick and efficient time frame
  • Cost effective
  • Offices and agents across the UK
  • Unrivalled customer service
  • Professional and experienced recovery agents
  • Hundreds of verified customer reviews
  • Latest in body camera and surveillance technology
  • Vast portfolio across both the private and public sector
  • 75 years’ combined experience in the industry
  • Real-time reporting
  • We only take cases we know we can win

What we do

Our approach to debt collection is simple: no-nonsense and no excuses.

If we take your case, it’s because we know we can win. Through our extensive search and vetting process, we’ll be able to tell you whether or not your debtor can pay. So you can relax, knowing that we’ll only start a process we know will be a success.

Within 24 hours of instruction, we begin to action your case. Wearing the latest in body cam technology, we visit your debtor, face-to-face. Why? Because it works.

Collecting for both businesses and individuals, our team of highly skilled agents work strategically to visit debtors across the UK. With our 75 years’ combined experience, we have a proven track record of success.

Once the case has been actioned, you’ll be appointed your own account manager, who can reassure you, provide advice and inform you of all the latest developments. And so that you’re in control every step of the way, you can follow the progress of your case live via the client portal.

Here at Cobra, we know that reputation is everything, so relax, knowing that yours is in the safest of hands.

What’s the cost?

In order to confirm instruction, we charge a fixed fee. This amount is calculated on the estimated work involved in the collection. (Some cases are more complex than others.)

However, this fee is recoverable. For B2B debts, we are able to apply interest and compensation, in accordance with the late payment of commercial debt act, 1998. Once all funds have been collected from the debtor, we charge a 15% success fee.

But knowing you won in the end – well, that’s priceless.

As featured in:


Owed £1000 or more? Want your money back? Then let’s get started.

Call one of the Cobra team on 0151 526 4222.

£14 million pounds collected for our clients in 2019.

90% success rate achieved in 2019 (an industry high).

All cases actioned within 24 hours, and debtors visited within 48 hours.

We’ll make sure you get paid quickly.

Request A Callback

    * If you are owed a minimum of £1,000 or more, we can begin the recovery process, today.

    As featured in

    Issue: 7th September 2019

    Having the last laugh

    20 May 2020

    I had a very tricky customer and thought he would ride it out all the way to court, especially after his first response. 2 days after that he paid the bill in full. I don’t know what these guys did but I can’t recommend or thank them enough. I certainly had the last laugh!
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    1 Jun 2020

    I have run my small and ethical company for some 36 years – and detest with a vengeance, those unscrupulous and deceitful individuals or companies who seem ‘hell bent’ on cheating and stealing their way through life.
    Read More