Cfs Legal レビュー 

18,000 paid upfront. A £22,000 CCJ against Cobra. Still fighting to get my money back.

My experience with Cobra Financial Solutions Limited has been absolutely appalling.

I paid this company £18,000 upfront to recover a substantial debt already awarded to me by the High Court. I trusted them to provide a professional service. Instead, I have spent months chasing progress, questioning what work was actually being done and trying to get answers.

The original male agent handling my case left the company. My case then appeared to be neglected for an extended period. When a replacement agent took over, she told me she had “no information” and appeared to know about only one of the two debtors. Despite repeatedly providing information and addresses, progress was minimal. I even located an address for one of the debtors myself.

I was promised enforcement action and bankruptcy proceedings, but these assurances were not followed through as I had expected. I also disputed Cobra’s claim that my £18,000 had been used to fund the case, given the lack of meaningful progress.

When I challenged the company, a senior member turned up at my home without warning or an appointment. I was alone in an extremely isolated location, with nobody else around. I found this intimidating and deeply unsettling.

Ultimately, I had to take Cobra to court myself. On 4 June 2026, I obtained a County Court Judgment (CCJ) against the company for £22,000, payable forthwith. Cobra failed to respond to my claim, and despite the judgment, I received no payment.

Let that sink in: I paid £18,000 to a debt recovery company, only to end up having to pursue that very company through the courts myself.

The situation has become even more concerning. Court enforcement officers attempting to recover the money owed to me have visited every address advertised on Cobra’s own website. According to the information provided to me, Cobra was not present at any of those addresses.

This raises serious questions about the company’s accessibility, transparency and accountability. Customers paying substantial upfront fees should reasonably expect to be able to locate and contact the company they have employed.

Christopher Douglas, whom I understand to be Cobra’s principal shareholder, should be held accountable for explaining this situation and addressing the judgment against his company. His website talks about collecting money from people who owe it. Based on my own experience, I find the apparent lack of accountability for the money owed to me profoundly disturbing.

I am not prepared to walk away from £18,000. I will continue pursuing every legitimate avenue available through the courts to recover my money. I also intend to raise my concerns with Trading Standards and the relevant complaints and regulatory bodies.

My advice is to exercise extreme caution before handing Cobra Financial Solutions Limited any substantial upfront payment. Investigate the company thoroughly, independently verify its advertised addresses and establish exactly what work will be undertaken before committing.

I paid £18,000 expecting professional debt recovery. Instead, I have faced prolonged frustration, repeated assurances that were not followed through, an intimidating unannounced visit to my isolated home, court proceedings against the company itself and the continuing fight to recover my money.

I consider my experience disgraceful. These circumstances deserve serious scrutiny, and I intend to pursue this matter until every available avenue has been exhausted.

we had a terrible experience with Cobra - the only action they ever took on our behalf was to take our money! No effort whatsoever was made to collect our debt and all the promises made before their huge fee was paid came to nothing. We had to continually chase for updates and when they finally came they were just excuses over and over for why no actions had been taken. We understand that there are no guarantees with debt collection but they promised so much and gave nothing - they should have at least tried. Avoid these scam artists - don't listen to their lies

I already posted one bad review against them but I have taken it down as they promised me to reopen the case, however these were just empty promises to get the bad review down. I really have no words on how these people operate. I have been scammed by a cowboy builder for well over £15000 and payed them to chase the debt down but they turned out to brake almost every promise so I am reposting my original review, please see below.

⚠️ Extremely Disappointing Experience – Avoid Cobra Financial Solutions

It’s taken me a long time to write this review because I’ve been struggling financially and mentally after being scammed by a builder for over £15,000 — and then deceived again by Cobra Financial Solutions. But it’s finally time to share my experience.

My first contact was Steve, to whom I explained the situation clearly: that the builder was evasive, constantly changing addresses, and claiming to have no money. Steve confidently assured me that they already knew where the builder lived, that he did have money, and that they had successfully dealt with similar cases before. He promised that their team would be at his door every week until repayment started. He even emphasized that they don’t waste time with calls, texts, or letters — they focus on face-to-face contact.
That was all completely untrue.

Another false promise was the so-called “24/7 online portal.” In reality, it only showed weekly updates, many of which were empty or contained nothing more than a single message or vague note about a “blind call.”

The next person I dealt with was Mark, who was extremely rude and unprofessional. He ignored most of my messages and, when I politely asked for a reply, he snapped back with comments like “I’m a busy man, I’ll respond when I can — don’t spam me.” Definitely not the way to treat a paying client.

The only positive mention goes to Kelly, who was professional, kind, and genuinely tried to do her job. She was the only one who seemed to care or take any real action.

They pressured me into paying over £1,300, claiming they had the builder’s address and would be at his door the next day. For weeks, I received no evidence of any visits. When I asked for proof that they even had the correct address, they couldn’t provide any. Later, I found the builder’s address myself and gave it to them — only then did they finally make a successful visit. Sadly, that was the only meaningful one.

When I asked for proof of their visits, they sent a few photos from one “no contact” attempt and then refused to send any more, saying they “couldn’t provide additional evidence.” Kelly did manage to speak to the builder twice, but that’s all the real progress that was ever made.

After just three months, they suddenly told me that my contract was ending — despite earlier promises to keep up pressure until I recovered my money. They extended the contract by two months as a “gesture of goodwill,” but in that time I received no updates and they clearly did nothing further.

In summary:
I paid £1,300 for empty promises, poor communication, and almost no real action. What I got was two visits (one actual, one no contact), two phone calls, and a few meaningless messages. They prey on people who are already in distress, making big promises and delivering next to nothing.

Avoid Cobra Financial Solutions at all costs.
They took advantage of someone who had already been robbed — and then did almost nothing to help.

I would not recommend this company based on my experience.
I instructed Cobra Financial Solutions to recover a debt from a former tenant and paid their fee upfront. Over the following 18 months, I repeatedly received assurances that progress was being made, yet I was provided with little evidence of any meaningful recovery activity.
For the last two months, I have simply asked for a written summary of the actions they have taken on my case, including any correspondence or recovery efforts. Despite multiple requests, they have failed to provide this information and have instead continued to make excuses.
As a paying customer, I believe it is reasonable to expect transparency and evidence of the work carried out. Unfortunately, my experience has been one of poor communication, lack of accountability, and disappointing customer service.
I would encourage anyone considering this company to carry out thorough due diligence before engaging their services.