@craiggrannell I’ve used MCO a few times and I’ve found the process easy. You have to pay a fee to file a claim, but the company you’re claiming from will need to reimburse you if you’re successful.
Of course, it’s a risk as it’s taking them to court, and therefore it is very serious, but if it’s a case of delayed payment then it should be cut and dry in your favour, and the company you’re claiming against should simply settle before it goes to court. (You then tell the court you’ve settled.)