Click4Assistance UK Live Chat Software Money Claims Online Alternative - Cobra Financial Solutions

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Money Claim Online

Since the start of the pandemic, a number of pop-up debt-collection companies, who have been trading for less than 18 months, have seen an opportunity among the chaos and uncertainty that has ensued, and have attempted to take advantage of the situation.

Why put your trust in newly-established, inexperienced and incompetent debt recovery agencies when instead, you can trust Cobra Financial Solutions – a multi-award-winning agency, to recover your debt?

Cobra have been trading since 2009 and are fully committed to providing not only an expert service, but more importantly, a service that delivers results better than anybody else.

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Making a money claim online can be a complex process.

Before beginning the application, you must be able to prove that you have attempted to resolve the issue with your debtor. If you fail to offer mediation, you risk the judge not awarding you costs in court. Once you have tried to communicate with your debtor, you then have to pay court fees upfront in order to process your claim.

Money Claim Online will then send your order to your debtor. But if the defendant fails to respond within a set time frame, you have to send more forms to Money Claim Online in order to accelerate proceedings. If a court hearing is then announced, or you need to get a judgement enforced by a bailiff, you may have to pay additional fees.

Mountains of paperwork. Hours of your own administration time. Unnecessary stress. Constant toing and froing between numerous parties. And to top it off, the prospect of hidden fees. Making a money claim online is not an easy option.

If you are owed money, but can’t face the stress involved in making a money claim, then contact Cobra Financial Solutions. We collect any debt over £1,000. Quickly and efficiently. Established in 2009, we are the UK’s #1 rated debt collection agency and we hold one of the highest success rates in the industry.

Cobra Financial Solutions can visit your debtor within 48 hours of instruction. So what are you waiting for? Get your money back in your pocket, where it belongs.

What is Money Claim Online?

Money Claim Online – or MCOL – is HM Courts and Tribunals Service internet-based service for claimants and defendants. Portrayed as a convenient and secure way of making or responding to an online, Money Claim Online are sometimes not as expedient and simple as they are made out to be

Though successful on occasion, nothing quite beats the competent, professional service you get when employing an expert, award-winning debt recovery team who specialise in dealing with debtors face-to-face.

That said, Money Claim Online provide an internet-based service that deals with your case solely online. Your self-proclaimed ‘litigant in person,’ Money Claim Online claim to recover the money you’re owed by going through the traditional legal channels and working with you online. However, we at Cobra know that going down the legal route doesn’t always work, and can be a long, frustrating and drawn-out process.

Why do people choose Money Claim Online? MCOL is an alternative way to make a claim instead of having to issue a civil claim through the court system.

What’s more, we believe that people choose MCOL not because they want to avoid court – you’re more likely to avoid the court system by instructing a face-to-face debt recovery agency like Cobra – but because they don’t understand what a traditional debt recovery service entails, be it forensic accounting, the latest innovations in body-cam technology or our 4.7 Trustpilot reviews, for example.

How much does it cost to make a Money Claim Online?

With Money Claim Online, you must always pay a court fee when you make your claim.

Based on the amount you’re claiming plus interest, if you don’t know the exact amount then you cannot make a claim. You also need to estimate the amount you’re claiming and pay the paper form fee for the amount if you can’t seem to complete the MCOL process.

In essence, Money Claim Online can be costly; but they can also rob you of your time. We at Cobra understand that your time is precious, so we keep our paperwork to a minimum and instead employ you to use our state-of-the-art client portal.

How long do Money Claim Online take to process a claim?

It can take a whopping 6 weeks to process your claim online, and, even worse, you can expect it to take up to an eyewatering 6 months to process your claim if it is disputed and a hearing is required.

At Cobra, we simply don’t stand for that!

From our first consultation, we can action you claim within 48 hours and, in some cases, have your money back in your pocket on the same day.

We don’t wait around for court dates, paperwork and for people to dispute your case simply to stretch out the process and buy more time to gather funds. With our expert team, there’s nowhere to hide and nowhere to run.

Trust Cobra… Money Claim Online doesn’t work

Let’s be honest, Money Claim Online simply doesn’t work and isn’t worthwhile; not when you can choose to put your trust in a team of debt recovery agents who specialise in delivering results.

Don’t bother messing about online or wasting your time in court, Cobra Financial Solutions are here to help, fast. We are specialists in a number of key areas concerning debt recovery, drawing upon over a decade of expertise to inform every decision we make on your behalf.


  • Trustpilot’s #1 rated debt collection agency
  • One of the highest success rates in the industry
  • Cases actioned within 24 hours
  • Quick and 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


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 10% success fee.


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

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£14 million collected for our clients in 2021

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89% success rate achieved in 2021

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All cases actioned within 24 hours

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Get your money back fast


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 visit debtors across the UK. With our 75 years’ combined experience, we have a proven track record of success.


Follow the progress of your case live via the client portal, 24/7. Your designated account manager will ensure you’re in charge, every step of the way.


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



If you can answer ‘yes’ to the following questions, then call one of the Cobra team on 0151 526 4222, and let’s get started.

  • IS YOUR DEBT OVER £1000?

Integrity. Support. Action. Solution.

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