Click4Assistance UK Live Chat Software Small Claims Court Alternative- Cobra Financial Solutions Ltd

Head office: 0151 526 4222
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Head Office:0151 526 4222

Small Claims Court

Due to the worldwide pandemic and three subsequent lockdowns, there is now a reported 500,000+ case backlog. This means people are having to wait 511 days to simply have their case heard by a district judge.

What’s more, throughout the pandemic in 2021, we recovered over £14 million for our clients including the likes of Bank of New York Melon and City of London Therapy respectively. This was also achieved without a CCJ.

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We record all visits to debtors
Watch our agents at work collecting a debt of £42K


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 debt collection agency dedicated to providing not only an expert service, but also results you can depend on.

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 debt or personal debt of over £1,000. Our team of experienced collection agents visit debtors right across the UK. And in 2021 alone, we collected over £14 million for our clients.

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.


  • 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


A small claim is a case that has been allocated to the Small Claims Court. Predominantly concerning claims worth up to £10,000, Small Claims typically involve claims for faulty goods, services, unpaid bills or rent arrears.

If you have had a problem with a service or product; you rent and your landlord hasn’t repaired a problem worth up to £10,000; you are owed a refund, or you have been injured in an accident, then you are fully eligible to make a Small Claim.

To make a Small Claim in court you will need to provide a brief statement of the facts, how much money you are claiming, and the amount of interest you are seeking. After a claim has been issued, the defendant must then file a defence; after which the judge will make a final ruling.

There are several types of typical claims in Small Claims Court. These include pursuing unpaid invoices, breach of contract claims, sale of goods and services disputes, claims for unpaid rent, building disputes and professional negligence claims.

In England and Wales, there is a starting fee of £25-£410. This is completely dependent on the size of your claim and can be paid by credit or debit card.

There are several alternatives to Small Claims Court. These include agreeing an out of court settlement, mediation with a trained mediator, pursuing the help of a government agency, or instructing debt collectors such as Cobra Financial Solutions.


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.


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.

£14 million collected for our clients in 2021

89% success rate achieved in 2021

Case actioned within 24 hours

Get your money back fast


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.


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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