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Head Office:0151 526 4222

Small Claims Court Thinking of taking your Debtor to Court?
Don't waste your time and money as there is currently a 511 day wait to get a debtor in court.

Thinking of taking your Debtor to Court?

Don’t waste your time and money there as is currently a 511 day wait to get a debtor in court.

There is a quicker, cheaper and less stressful option

Waiting to get your case heard in the small claims court can take  up-to two years. Yes, two years.

We all know that dealing with a debtor is an exhausting process: it can leave you feeling vulnerable and angry. You’ve spent hours of your own time desperately trying to get your money back, but it’s come to nothing.

But why waste your energy? Why should you have to wait two years to get justice? Remember, even if you are awarded a CCJ at the end of the hearing, you may still have to employ a bailiff to collect your money. Winning is not holding your CCJ; it’s having your money back in your pocket. Where it belongs.

Here at Cobra Financial Solutions, we can action your case within 48 hours. No stress. And no-nonsense.

Experts in the industry, we collect any business or personal debt of over £1,000. Our team of experienced collection agents visit debtors right across the UK. And in 2019 alone, we collected over £14 million for our clients.

We understand that hiring a bailiff can seem a daunting experience for some. Society’s perception of debt enforcement agents has been created by negative stereotypes across the media. But since our creation in 2009, we have proved that this unfair portrayal is simply not true.

Cobra Financial Solutions are a highly skilled team of professionals, with over 75 years’ combined experience in the industry. And thanks to hundreds of 5* independently verified reviews, we are Trustpilot’s #1 rated debt collection agency in the UK.

So what are you waiting for? If you’re sick of dealing with your debtor, then take action. Today.

Trust Cobra

  • 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

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 visit debtors in every corner of 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 will provide advice and inform you of all the latest developments. And so 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:


Get your money back

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?

  • Can you provide evidence confirming the debt’s legitimacy?

  • Are you ready to get your money back?

£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!
    Read More


    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