Tracing debtors in the UK
Tracing debtors in the UK is very different to locating other individuals as the subject debtors are sometimes trying to evade being traced. This can present multiple issues when attempting to trace the subject debtors which we will outline further in this article.
Where tracing a debtor in the UK it is advisable to use a specialist debtor tracing agent such as findukpeople.com.
This is advised as they will have experience in trying to locate a debtor or someone who is trying to evade being traced.
Subject debtors will try different strategies to avoid being traced which can include but not limited to
Going off grid
Subject debtors sometimes attempt to place all applications in a partners name to avoid detection. Expert debtor tracing agents will be aware of this and use specialist tracing software to get around this type of evasion.
Denied at door
Many subject debtors will deny at any attempt that they are the subject at the address, a specialist tracing agency will be able to see recent applications for credit and other applications in the subjects name at the supplied address, findukpeople.com will also be able to see the telephone bill payers name and that the line is still active and current in the bill payers name.
When instructing an expert debt tracing agent is is advisable to include as much information as possible but confine this to contact and information points – we list some examples as follows which are useful for tracing debtors.
- Debtors full names including middle names
- Debtors date of birth
- Debtors partners names
- Debtors last known address
- Debtors other addresses
- Debtors telephone numbers even if disconnected
- Debtors mobile phone numbers
- Debtors email address
- Debtors work details
- Debtors website or business website
When debtor tracing typically an expert debt tracing agency will locate the individual via CRA data ( Credit Reference agency) – this will show a link from the supplied old address to the current address which will of been formed by either a recent credit application at the new address or by the subject informing a financial institution of the new address such as telling their bank or credit card provider.
Once the debt trace agent has established the new address via a credit reference agency they will verify the supplied address via a non credit agency supplied source – for example via a BT feed which shows the telephone line in the new address is in the subjects name. This is clearly an example of the process ad there are many variations of how an expert trace agent will trace debtors in the UK but it shows that the process is robust and uses an accurate methodology to trace and locate debtors in the UK.
Once the debtor has been traced to a new address an expert tracing agent will provide a report and in the case of findukpeople.com will show on the report the information sources they have used to trace the debtor to a current address which gives a level of confidence of the supplied trace result.
We recommend for high value debt cases that the next steps are served via an expert process server to help verify that the subject debtor is indeed at the supplied traced address and that the evasive debtor is served the document or legal notices.
Debtor tracing requires a very different tracing technique which can be more forensic and dig into the rich data sets that findukpeople.com have access to. This enables findukpeoiple.com to deep dive a debtor trace and will result in a positive result in tracing the debtor in the UK on most occasions.
If you need to talk with our expert debtor / ex-tenant tracing team feel free to reach out. Call us on 01273 252539