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UK Money Claims Online - Complete Landlord Guide
Comprehensive guide to using Money Claims Online for UK landlords. Recover unpaid rent and damages through the courts efficiently. Get the UK steps and choos...
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Your tenant owes you money and you need to know the fastest lawful way to chase it. This guide explains the route, the paperwork, and the mistakes that can slow you down.
What is Money Claims Online?
Money Claims Online is a government service that allows you to make county court claims for fixed amounts of money over the internet. It's faster and cheaper than traditional paper-based claims.
Unpaid rent
Tenant still owes money? Prepare the claim file
If the arrears keep growing, turn the problem into a clearer debt record and claim narrative before the evidence gets harder to untangle.
- Set out what is owed clearly before the numbers get harder to untangle.
- Build the claim in plain English.
- Get the court paperwork ready for the next step.
money claim for unpaid rent Advantages
Lower court fees than paper claims, 24/7 access, faster processing, easy tracking of claim progress, and no need to attend court for undefended claims.
What You Can Claim For
- evict tenant not paying rent guide - rent arrears at tenancy end
- Damage costs - beyond deposit amount held
- Cleaning costs - beyond deposit and fair wear
- Breach costs - losses from tenant breaches
- Interest - at 8% simple interest (statutory rate)
- Court fees - recoverable if successful
Claim Limits
MCOL can be used for claims up to £100,000. Claims over £10,000 are usually allocated to the fast track or multi-track and may require court attendance.
When to Use MCOL
Before pursuing a court claim, ensure it's the right approach for your situation.
Prerequisites
- Tenancy has ended
- You have the tenant's current address
- You've exhausted deposit dispute processes
- You've sent a letter before action
- The debt is clearly documented
- The tenant hasn't declared bankruptcy
Letter Before Action
Courts expect you to send a "letter before action" giving the debtor 14-30 days to pay before issuing proceedings. This is part of the pre-action protocol and failure to comply may affect costs awards.
Consider Alternatives First
- Payment plan - negotiate affordable installments
- Mediation - resolve disputes without court
- Debt collection - professional agencies may be cost-effective
Making a Claim
The MCOL process is straightforward but requires careful preparation.
Step 1: Register
Create an account at moneyclaims.service.gov.uk. You'll need:
- Email address
- Your name and address
- Payment method (card or account)
Step 2: Prepare Your Claim
Before starting, gather:
- Defendant's full name and current address
- Exact amount claimed (calculated carefully)
- Clear breakdown of the debt
- Supporting evidence list
Step 3: Complete the Claim Form
The online form asks for:
- Claimant details - your name and address
- Defendant details - tenant's name and address
- Claim amount - debt plus interest and fees
- Particulars of claim - brief description of why money is owed
| Claim Amount | Court Fee (MCOL) |
|---|---|
| Up to £300 | £35 |
| £300.01 - £500 | £50 |
| £500.01 - £1,000 | £70 |
| £1,000.01 - £1,500 | £80 |
| £1,500.01 - £3,000 | £115 |
| £3,000.01 - £5,000 | £205 |
| £5,000.01 - £10,000 | £455 |
Step 4: Pay and Submit
Pay the court fee online. The claim is issued and sent to the defendant, who has 14 days to respond (or 28 if they acknowledge but need time).
After Judgment
What happens after you submit your claim depends on how the defendant responds.
If They Don't Respond
After 14 days with no response, you can request "judgment in default." The court orders the defendant to pay. You can request:
- Immediate payment - full amount due now
- Payment by date - full amount by specified date
- Payment by installments - if they can't pay immediately
If They Defend the Claim
The case may proceed to a hearing. For small claims (under £10,000), this is usually informal. Prepare your evidence and be ready to present your case.
If They Admit and Offer Payment
You can accept their offer or ask the court to decide on a payment schedule.
Enforcement Options
A judgment doesn't guarantee payment. If the defendant doesn't pay, you need to enforce the judgment.
| Method | Description | Cost |
|---|---|---|
| Warrant of Control | Bailiffs seize goods to sell | £77+ |
| Attachment of Earnings | Deducted from wages | £110 |
| Third Party Debt Order | Freeze bank accounts | £110 |
| Charging Order | Secure against property | £110 |
Debt Recovery Resources
Landlord Heaven provides letter before action templates, MCOL checklists, and guidance documents to help you recover money owed efficiently.
View Debt Recovery Tools ?Money Claims Online FAQ
How long do I have to make a claim?
You have 6 years from when the debt became due to issue court proceedings. However, it's best to act quickly while evidence is fresh and the debtor is traceable.
What if I don't know their new address?
You need a valid address to serve the claim. Consider using a tracing service to find the debtor. Claims cannot proceed without a proper address.
Is it worth claiming small amounts?
Consider whether the defendant has means to pay. Court fees and enforcement costs can exceed small debts. For very small amounts, it may not be economically viable.
Can I claim against guarantors?
Yes, if you have a valid guarantor agreement. You can claim against the guarantor, the tenant, or both jointly. The guarantor's liability depends on the agreement terms.
Prefer us to prepare it with you?
Assisted prep for landlords who want the file checked before they act
Short callback, focused document preparation, and a clear pack for you to approve before serving or filing.
Unsure about grounds or dates?
£149Section 8 notice prepared with you
A 20-minute callback to prepare or check the Form 3A notice, service details, and notice file before you serve it.
Book Section 8 assisted prep
Need to act after notice?
£399Possession claim pack prepared with you
A 45-minute callback to prepare or check N5, N119, service evidence, bundle steps, and the filing pack.
Book possession claim assisted prep
Rent, damage, bills, or debt?
£249Money claim prepared with you
A 30-minute callback to turn the debt, evidence, pre-action position, and claim wording into a clearer claim pack.
Book money claim assisted prepWhat to do next
Core eviction guides landlords usually need next
These are the core possession guides landlords usually need after notice or arrears problems start.
FAQs for landlords
Official Sources & References
This guide references official legislation and government resources. Always verify current requirements with the relevant authorities.
- Make a court claim for moneyGovernmenthttps://www.gov.uk/make-court-claim-for-money
- Pre-Action Protocol for Debt ClaimsOfficialhttps://www.justice.gov.uk/courts/procedure-rules/civil/protocol/prot_debt
- County Courts Act 1984, section 69Legislationhttps://www.legislation.gov.uk/ukpga/1984/28/section/69
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