MCOL — Money Claim Online (MCOL)
The online service for starting straightforward money claims of up to £100,000 against defendants with a known address in England or Wales. Faster and cheaper than paper N1.
Who uses this form
Individuals and businesses making a money claim for a fixed sum (a 'specified amount') up to £100,000 against one or two defendants. Not suitable for cases requiring complex particulars or multiple defendants.
When to use it
Use MCOL for straightforward debt recovery, unpaid invoices, or consumer disputes where the amount is fixed. Register at moneyclaim.gov.uk to issue online. Fees are lower than paper claims.
Where to file
Online at moneyclaim.gov.uk. Claims are processed by the County Court Business Centre (CCBC) in Northampton.
Court fee
£35 (up to £300); £70 (£300.01–£500); £115 (£500.01–£1,000); £205 (£1,000.01–£1,500); £455 (£3,000.01–£5,000); £610 (£5,000.01–£10,000); up to 5% for claims £10,000–£100,000 (minimum £455).
Fee remission
Help with Fees (EX160) applies — complete before issuing and submit as directed.
Common mistakes to avoid
Using MCOL for unspecified or unliquidated claims (e.g. general damages for personal injury) — issue a paper N1 instead
Not having the defendant's current address — judgment cannot be enforced without a valid address
Failing to follow the relevant pre-action protocol before issuing (e.g. Pre-Action Protocol for Debt Claims)
Claiming compound interest when only simple statutory interest (8% under the Judgments Act 1838) is available
Issuing against a limited company using the trading name rather than the registered company name
Related Guides
Related Letter Templates
Official source
Download / view form on GOV.UK or HMCTSAlways download forms directly from official government sources. Third-party copies may be outdated.