The Path to Achieving a CCj | How does Money Claim Online work?

Updated: May 7



You may have seen the TV shows, such as “Can’t Pay, We’ll Take It Away” and “The Sheriffs are Coming” and wondered how the creditors got a piece of paper that compelled their debtor to pay the debt.


For anyone thinking this is a really technical procedure, we have good news! It can be as simple as signing up for Money Claim Online (MCOL).


Make a money claim online

You can obtain a money claim if you consider a person or organisation owes you money and will not pay you back.


Before initiating a claim, contact the person or organisation to settle the issue through discussion or mediation.


Your claim, including your name and address, will be forwarded to the person you say owes you money. They’ll get an opportunity to respond to your claim.


To make a money claim, download and fill in form N1.


What is Money Claim Online?

MCOL is meant to be a comparatively easy way to initiate a county court claim for a fixed amount of money. It is one of the ways you can claim any money you are owed, up to £100,000. However, errors made can be costly to you both in time and money and may affect the consequence of your claim.


This guidance can help:

  • Ensure that the claim you issue is suitable for MCOL

  • Understand your role and responsibilities during the claim process

  • Understand the role of the court in the claim process

Making a small claim

Before you rise your small claim it's a good approach to write a formal letter to the person or business or defendant you disagree with. This is called a 'letter before claim' or a 'letter before action'.


You will notify them by writing a letter even if you have sent them to the complaint. You can initiate the small claim by filling N1 form when the letter before the claim doesn't resolve the problem.


Write a letter before claim

You can write ‘Letter before claim’ at the start of your letter to show this is a formal letter.