Your Result explained

🗂️ Address Data – Explained

This report you have recently received has been produced by Find UK People to confirm and verify a current UK address for the named subject. It has been completed using verified credit reference data and other investigative sources. Below is an explanation of each section and how it contributes to the trace outcome.

📅 Header Details

• Date / Case Number:
  Provides the date the report was completed and the internal reference number for tracking and compliance purposes.

• Declared Legal Basis: Debt/Legal Claim
  States the legal justification under UK GDPR for processing the subject’s personal data. Here, the client has declared a legitimate interest for purposes such as debt recovery or legal action, which complies with UK data protection law.

• Usage Restriction & Compliance Note:
  Explains that the data can only be used for the specific legal purpose declared. It also outlines that the client has completed a Legitimate Interest Assessment (LIA), as required under GDPR, and that Find UK People acts strictly as a data processor.

👤 Subject Details

• Name & Date of Birth
  These are the identifiers used to trace and match the individual to their current residential address.

• Aliases
  Lists any alternative names found in the credit reference database. In this report, none were found (“N/A”).

• ✅ Verification Note
  Indicates that the person’s identity and linked data have been verified using Experian and Equifax, the UK’s main credit reference agencies.

🏠 Current Address Section

• Residency Confidence: Very High
  Shows the likelihood that the subject currently resides at the listed address. “Very High” confidence is the strongest level of assurance, based on active credit footprint, electoral roll entries, and financial behaviour at the property.

• Residency Link Date
  Refers to when the credit agencies last confirmed activity linking the subject to the address (though the specific date may not be displayed if unavailable).

• Credit Agency Link
  Confirms the subject is associated with this address via credit agency data – the gold standard in UK tracing.

• BT OSIS Data
  Checks for a landline number registered at the address under the subject’s name. In this case, there was no match (not unusual in mobile-dominant households).

• Property Ownership
  Notes whether a property ownership screen was conducted (in this case, it was not). This is often optional and can be added if ownership confirmation is required.

• Associate Data
  Would display co-resident information if found, but was not populated here.

• 📞 Contact Information (Unverified)
  Lists any phone numbers, landlines, and emails linked to the subject through financial data. This data is unverified but may be useful for further enquiries.

💡 This section forms the core of the address trace and confirms a verified link between the subject and the supplied address using live financial data.

✅ Confirmation Checks

This summary outlines key findings from the report:

• Verified Address Link
  The address is confirmed as the current residence using credit agency and historical data.

• Identity Confirmed
  The name and date of birth fully match official records at this address.

• Most Recent Address
  There is no forwarding address; this is the latest known residence.

• Contact Details Linked
  Digital or communication identifiers are associated with the subject at this address.

• No Third-Party Occupancy
  No evidence of other people occupying the property, strengthening the case that the subject resides there.

📝 Summary

This section explains the methods used and confirms the result:

• The subject is linked to the address via multiple corroborating data points, including:

  • Financial activity

  • Credit footprints

  • Full name and DOB match

• The report is compiled using:

  • Credit agency data (Experian & Equifax)

  • OSINT (open-source intelligence)

  • Telecom and utility checks

  • Electoral roll entries (where available)

🎯 The result provides a high-confidence trace, suitable for legal use, enforcement, or contact purposes.

📲 Additional Data Intelligence

Optional section for higher level people traces that may include:

• Social media insights

• Country of activity and login data

• Work or business affiliations

• Lifestyle indicators

• Picture identification for enforcement

(This may not be populated in every trace.)

⚖️ Legal & Compliance Notice

This final section outlines the legal framework and client obligations:

• Declared Purpose:
  The report must only be used for the declared reason (e.g., debt recovery).

• Client Responsibility:
  The client must store and use this report lawfully and accepts liability for misuse.

• Accuracy Disclaimer:
  The data is drawn from external sources. While every effort is made to ensure accuracy, it should be independently verified before use in court or other formal proceedings.

• Data Subject Rights:
  Subjects can request access or corrections to their data under UK GDPR.

• Restricted Use:
  The data cannot be shared, sold, or used for other purposes.

• Finality & No Guarantee Clause:
  Once delivered, the report is considered final. No further updates or refunds are provided unless under special pre-agreed terms.

Summary for the Client

This trace report provides a fully verified and GDPR-compliant confirmation of the subject’s current address, using top-tier UK data sources. It is suitable for use in legal, debt recovery, or formal correspondence scenarios. The report combines identity confirmation, address verification, and contact linkage into one actionable document.

Clients are advised to retain the report securely, verify suitability for their legal purposes, and respect data protection laws when using the information provided.

What are tracing agents

Many people ask “what is a tracing agent” and in the section, we go some way to explaining what a tracing agent does and how they do it.

What is a tracing agent – Tracing agents are specialist private investigators who locate people to a current address. They utilise a variety of datasets to obtain current address data for the person they are trying to locate.

In the UK most tracing agents will utilise a combination of Credit Agency data and Electoral roll data and they will supplement these two main data sources for tracing a person with other confirmation data sources such as BT data to confirm residency of a property and that the bill payer of the telephone bill is the same name match as the person they have traced and that the number is still active and live which indicates residency is still valid.

Tracing agents are instructed to trace people for a variety of reasons which can include the following circumstances:

• Tracing missing debtors
• Tracing long lost family members
• Tracing beneficiaries of wills
• Tracing people who one wishes to litigate against
• Tracing missing freeholders of buildings

Tracing agents will utilise data sets and combinations of current live data to validate a current address. For instance, if a tracing agent looks at a credit agency source such as Experian or Equifax they can see a link from the old address to the current address on these Credit Agencies and this will also show recent credit applications to indicate the recency of the flagged new address.

The Tracing agent will then look to confirm the indicated address by various means and this can be alternative data sources that also show the flagged address to be the current address, physical verification means which although more expensive can be a very robust means to verify an address such as a doorstep verification which can be a useful tactic to verify a traced address in debt collection cases.

Open Source Tracing (OSINT) and GDPR Compliance

Open-source tracing—also known as OSINT (Open-Source Intelligence)—involves the lawful use of publicly available information from open platforms such as Facebook, Google, Instagram, LinkedIn, and other online sources. This method supports tracing professionals in identifying publicly shared information that may assist in locating an individual, always within the bounds of data protection legislation.

Experienced tracing agents are trained to lawfully interpret and filter such open data, extracting relevant, non-intrusive details that may inform the investigation. Open-source research is particularly useful in cases where traditional credit-based or official data may be unavailable—such as with individuals who do not maintain a credit footprint or actively avoid formal channels.

For example, where there is a lawful basis to trace a person for the purposes of a legal claim, and that individual has minimal formal data available, open-source data might assist in indirectly verifying their location (e.g., via associations with publicly connected individuals such as partners). In such cases, further verification is always conducted to ensure the accuracy and legitimacy of the trace.

All open-source tracing conducted by our agents is proportionate, necessary for the intended lawful purpose (such as the pursuit of a legal claim), and fully compliant with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. No data is collected or processed beyond what is strictly necessary, and all information obtained is handled securely and in line with our data protection policies.

UK People Tracing and GDPR Compliance

Tracing agents in the UK may access specialist industry data sets and, in permitted cases, Credit Reference Agency (CRA) information to assist in lawfully locating individuals. The three principal UK CRAs are Experian, Equifax, and TransUnion. These data sources provide enhanced and up-to-date address indicators that go beyond publicly available information, such as the edited Electoral Roll.

When there is a lawful reason to trace an individual—such as for legal proceedings, probate administration, property management, or re-establishing legitimate contact—professional tracing agents can lawfully process limited personal data to help identify a current residential address. This includes cases involving:

• Debt recovery proceedings

• Locating beneficiaries of wills or intestacies

• Identifying absentee freeholders or landlords

• Reuniting family or friends

• Reconnecting with former customers

In many debt-related cases, tracing services are essential, as UK courts and enforcement agencies typically require a current address to progress a legal claim. Without an up-to-date address, court proceedings or debt recovery efforts may be delayed or blocked.

A tracing agent will use a variety of compliant data sources—including CRA data (where permitted), publicly available records, client-provided information, and proprietary databases—to verify if a subject resides at the last known address, or to determine if they have moved. In cases where the individual has relocated, the agent will seek to identify and confirm a new address.

A typical trace involves reviewing data associated with the subject’s name, date of birth, and last known address. All information is processed under a valid legal basis (such as legitimate interests or the performance of a contract), and in accordance with the principles of data minimisation, necessity, and proportionality.

All UK tracing agents processing personal data must be registered with the Information Commissioner’s Office (ICO), and are required to operate under the standards of the UK GDPR and Data Protection Act 2018. Find UK People® maintains full ICO registration and handles all data securely, with strict internal protocols to ensure confidentiality, integrity, and lawful processing at every stage of the trace.

All address tracing is no trace no fee and all refunds will be placed within 24 hours of negative trace result provision – although our processor and your bank may take unto 10 days to apply the refund.

If you have received a negative trace result the next step would be to request a in depth trace to locate your subject

Discover more about our in-depth people tracing research

Where you have been told a standard search will not suffice or our standard search has returned a negative result, the following information explains why an in depth people trace will be required to locate the subject – Learn more

In situations where your case returns a negative result from a standard searches, it may be necessary to delve deeper. Our premium in-depth search is specifically designed to cater to such situations and comes with a potential for yielding positive results even when traditional search mechanisms fail.

All tracing is completed within 7 days normally and a maximum of 30 days.

Address tracing is offered with a 60 day recheck of any information provided but is subject to an advance fee for a recheck after 30 days from reporting date which is refunded if the original report is deemed incorrect. Data searches i.e. not in depth searches will provide the current data as shown on credit agency and other supporting data sets but we can only provide the information as shown on these data sets and do not indemnify the case further.

All prices on this website exclude VAT and will be charged VAT at the current rate at the end of the checkout process. All timescales are working days/hours i.e. 10 am – 4 pm Monday to Friday.

On occasion due to staff holidays, sickness or business interruption timescales can be deferred by 30 days from the date of order which will result in a maximum turnaround of 60 working days.

Use of Data and Compliance with UK GDPR

All datasets used in our tracing processes are accessed strictly in accordance with the permissions granted by the data suppliers and in full compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

For example, Credit Reference Agency data is only used in circumstances that meet strict criteria—such as matters relating to debt recovery, financial claims, or asset reunification—and only where a valid lawful basis has been established.

Where a tracing instruction does not fall within these permitted use cases, we utilise alternative compliant investigative methods and legally permissible data sources to conduct the trace.

Importantly, any reference to the use of Credit Agency data across our website or service descriptions does not guarantee its use in every case. Its use is strictly conditional and will only proceed once a case has undergone and passed our internal Data Impact Assessment (DIA) process.

To reinforce: all submitted instructions are subject to a thorough compliance review prior to processing. Data is only accessed or processed when:

• It is lawful under UK GDPR and data protection law

• It meets the permitted use criteria of our data suppliers

• It satisfies our internal compliance and proportionality standards

• It passes a formal third-party data use impact assessment

This approach ensures that all tracing activity is proportionate, transparent, and fully compliant with legal, regulatory, and ethical obligations.

Report Disclaimer and Limitation of Liability

All reports and the information contained therein are supplied by Find UK People® in good faith and are based on data available at the time of reporting. However, we make no representations or warranties, express or implied, as to the validity, accuracy, adequacy, reliability, or completeness of the information provided or of any information that may be unavailable or omitted.

Our reports are compiled using multiple third-party data sources, including UK Credit Reference Agencies and other specialist databases. While these sources are widely regarded as reliable and represent industry-standard tools for data intelligence, they remain entirely outside our control. As such, we do not warrant the performance or accuracy of these external data providers.

Find UK People® offers an information gathering and reporting service. We do not guarantee the completeness, correctness, or currency of the data provided, nor do we guarantee that all available data on a subject has been captured or reported. Reports are supplied as intelligence documents, reflecting the data available from permitted sources at the time of the search, and should not be interpreted as definitive proof of fact or a full historical account.

In some instances, information may be outdated, incomplete, or inaccurate due to delays, errors, or omissions in the underlying third-party records, or due to lack of updates from the data subject. For example, a current address or financial marker may not yet be reflected in the source data if it has not been recently updated.

Where possible and appropriate, we cross-reference key data points—such as current addresses—against multiple independent and time-relevant sources to verify consistency in line with accepted industry practices. However, verification is limited to what is accessible and permissible at the time of reporting and does not constitute a guarantee of accuracy.

All reports are provided on a full and final basis. Once a report has been delivered, it is deemed final, non-refundable, and not subject to recheck or indemnity, regardless of any concerns raised post-issue. Reports are issued solely for informational purposes, and Find UK People® accepts no liability for any loss, damage, or decision made based on the information supplied.

By accessing and opening any report issued by Find UK People®, you confirm your acceptance of our Terms of Service in full, including our limitation of liability and refund policy. The full Terms of Service are available on our website and govern all use of our services and reports.

Accuracy and Verification

While we strive to deliver reliable and verified intelligence, clients should understand that all non-address trace services (e.g. employer, asset, or financial investigations) are delivered as final and conclusive reports, and we do not provide free indemnity cover, post-report correspondence, or extended dialogue unless separately contracted. This approach ensures operational efficiency and fairness, as our pricing reflects a one-time investigatory effort and data compilation.

All information is sourced from trusted UK data providers, including Credit Reference Agencies, and is typically cross-verified using alternative compliant sources. While this methodology provides a high degree of confidence in our results, Find UK People does not guarantee the accuracy, completeness, or currentness of any data provided, and some reports may contain omissions or null findings, despite the existence of relevant data that is not accessible through our sources.

Turnaround and Scope

• Maximum turnaround for all pre-litigation, financial, employer, and investigative reports is 30 working days from the date of instruction.

• Financial background reports are limited to one Land Registry property ownership search within England and Wales, based on potential matches identified during our research. No land registry documents provided.

• Pre-litigation and in-depth investigation reports include up to three Land Registry property ownership searches, where relevant matches are identified. No land registry documents provided.

• Property or asset identification is always subject to availability and the limitations of UK data, and we cannot guarantee that all properties or assets owned by a subject will be identified.

• Where no properties are found or verified, the report may return a null result even if assets do exist, due to restrictions or gaps in data availability.

Use of Reports

All reports are provided in good faith, and are intended to support clients in making informed decisions based on accessible intelligence. However, they do not constitute legal proof and should not be relied upon as a complete representation of the subject’s circumstances. Property, asset, or employment status findings are indicative only and should be independently verified if relied upon for legal or financial decision-making.

All prices are exclusive of VAT. Reports are issued on a full and final basis, with no entitlement to refund, indemnity, or re-investigation, regardless of the information returned.

By engaging Find UK People, you agree to these terms in full and acknowledge the inherent limitations of data-driven intelligence services in the UK. Full Terms of Service are available on our website.

Can you identify properties owned by companies?
No. Our pre-litigation and financial background reports focus on individuals only. We do not identify or investigate properties or assets held by limited companies, offshore entities, or nominee structures. These types of ownership typically fall outside the scope of accessible credit-linked or residency data used in our tracing and asset research.

Do you provide information on offshore assets?
No. We strictly provide intelligence on UK-based assets, liabilities, and financial indicators. We do not report on offshore accounts, non-UK properties, or international asset holdings of any kind.

Do you offer international address tracing?
No. Our address tracing services are limited to UK-based address data only. We do not trace individuals outside of the United Kingdom or provide international residential address data. All tracing is conducted solely within the UK and in accordance with UK data protection laws.

Can you guarantee to find all assets or property owned by a subject?
No, we cannot guarantee full identification of all UK-held assets. Our investigations rely on available and compliant data sources, and results are often strongest where there is linked credit activity (e.g. mortgage, utility bills). However, ownership information may be incomplete or unavailable due to the limitations of UK data sets or where subjects have no linked financial activity at the property.

Will the report include all available data on a subject?
No. Our reports are compiled using accessible and lawful data sources and are provided as informational intelligence, not exhaustive profiles. While we aim to provide verified, relevant information, the reports should be treated as indicative support tools, not definitive records of a subject’s circumstances.

What happens if the subject is deceased?
Where possible, we will confirm if the subject is deceased and provide the date of death along with the source of verification. However, updates to death and probate records can be delayed by several months, and in some cases may not appear due to third-party reporting gaps. Reports confirming a subject’s death remain chargeable and final.

All services provided by Find UK People® are subject to our Terms of Service, which define the scope of our investigations, the limitations of data sources, and the conditions of supply. These can be viewed in full on our website.

Use of Credit Reference Agency Data in Tracing

Credit Reference Agencies (CRAs) such as Equifax, Experian, and TransUnion (formerly Callcredit) are among the most commonly utilised data sources for UK debtor tracing and asset reunification investigations. Where permitted by law and our data suppliers, Find UK People may submit a subject’s name, date of birth, and—where available—the last known address to a CRA through a secure data interface.

This process is designed to identify a potential link to a new residential address by searching the subject’s current financial activity footprint within the CRA’s database. If a potential new address is identified, it is not disclosed or relied upon until we complete an independent verification process.

To ensure full compliance with the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018, we undertake a robust secondary verification of the address before any trace results are confirmed. This may include validation via:

• A corroborating non-CRA data source

• Internal research using permitted datasets

• On occasion, contact with third parties (but not the subject)

Please note: We do not contact the subject of the trace under any circumstances, unless the case specifically requires subject consent—for example, in family or friend reunification matters where consent is a prerequisite. In all other cases, such as debt recovery, the subject is never contacted or made aware of the tracing process.

This approach ensures that all address traces provided by Find UK People are not only accurate and reliable, but also fully compliant with data protection legislation and industry best practices.

Telephone Tracing and CRA Data Use

Telephone tracing is a well-established method used in the investigation of so-called ‘gone away’ cases—individuals who have left a previous address without updating their contact details. In traditional telephone tracing, agents may seek to discreetly contact third parties such as family members, neighbours, employers, or known associates in an attempt to establish the subject’s current address.

While this method is legally permissible and can be effective when conducted ethically and sensitively, Find UK People® does not routinely conduct telephone enquiries as part of our tracing process. We only carry out telephone-based investigations in specialist cases and only with prior customer authorisation. The majority of our cases are resolved through advanced data-layering techniques using permitted third-party datasets and compliant investigatory methods—without any need for direct contact with third parties or the subject.

Verified Address Tracing by Find UK People®

Find UK People has access to address link data derived from Credit Reference Agencies and other compliant data sources, which we may utilise in permitted cases. Using this data, we aim to provide the current residential address of the trace subject, verified via a minimum of two independent information sources.

All address information supplied by Find UK People is confirmed as accurate to the best of our knowledge at the point of report generation, and reflects the subject’s residency status as of that date.

We offer a 30-day recheck guarantee on address trace reports. If you believe the information provided may be incorrect, and can provide a valid reason for review, we will reinvestigate the case within 30 days of the original report at no additional cost.

This approach ensures our address tracing services remain accurate, reliable, and fully compliant with UK data protection requirements.

Retrace & Refund Policy 

At Find UK People, we are committed to delivering accurate and compliant address tracing services through the use of multiple high-level data sources, including Credit Reference Agency data (where permitted). Our tracing methods are designed to ensure a high degree of accuracy, and as such, the vast majority of our address trace results are correct at the time of supply.

✅ Eligibility for Retrace (Address Tracing Only)

Retraces are only available for address tracing services and are subject to the following conditions:

• A retrace request must be made within 60 days of the original report issue date.

• You must provide clear, verifiable evidence that the supplied address is incorrect (e.g. written confirmation from a current resident stating the subject does not live there).

• Retrace requests are not applicable to pre-litigation reports, financial background reports, telephone tracing, or any non-address tracing services. These are provided on a fee-per-case basis and are non-refundable once supplied due to the time and resource commitment involved.

Please note: Retraces are not available for cases where a refund has already been issued. All retrace outcomes are considered final and are not eligible for further rechecking.

🔄 Retrace Process & Timescale

• Retraces may take up to 30 days to complete as we conduct additional verification using alternative data sources.

• A recheck administration fee is charged upfront after 30 days from the report issue date.

• This fee will be refunded in full if the original address is proven incorrect as of the date of the original report.

• If the original address is confirmed as accurate, the admin fee is retained to cover costs.

Please ensure you double-check the details independently before requesting a retrace. Our reports are compiled with great care and are typically correct at the time of supply.

🔍 Further Investigation Services

If you require further research beyond the scope of our standard services—for example, where the subject may be evasive or data is inconclusive—we offer in-depth investigations on a fee-paying basis.

• This service involves dedicated researcher time and advanced investigative techniques beyond standard data access.

• You can initiate an in-depth case review by requesting a 5-hour research block, which can be ordered online.

We welcome such instructions where a matter requires extensive attention, and our team will work to deliver the most thorough outcome possible under UK data regulations.

Request an in depth search 👀 

💸 Refund Policy

• Refunds are only issued before a report is supplied if we determine that we cannot confidently provide the requested information.

• Once a report has been delivered, it is deemed full and final and is non-refundable under all circumstances.

• All services are supplied on a no-guarantee, no-indemnity basis, as we are reliant on third-party data beyond our control.

⚖️ Legal Disclaimer

All services provided by Find UK People (“The Company”) are delivered based on available and lawful third-party data sources. The Company does not warrant absolute accuracy or completeness and does not offer financial guarantees or refunds once a report is issued.

• Any rechecks are at the Company’s sole discretion and do not constitute an admission of error or entitlement to reimbursement.

• By using our services, clients accept these terms in full and waive any claim for refund, indemnity, or compensation, regardless of the nature of any disputes raised.

These terms are governed by UK law and jurisdiction and are subject to our full Terms of Service available on our website.

• Denied at door with picture ID of current occupant
• Mail marked “gone away” with evidence of current occupant
• Bailiff states “gone away status” with credible evidence supplied

To instruct a retrace:

1. Go to findukpeople.com​
2. Hover over Support
3. Select Request a Retrace from the drop down menu
4. Fill in the recheck request form

To request a recheck of any supplied information please click here.

Our systems are live data systems and any result that is negative will be refunded within 24 hours of receiving this returned or negative trace result email. We refund where all our systems cannot locate the person currently to a confirmed current address as shown on third party data sets.

We advise the following course of action if this happens with your case.

Instruct us again after 4 weeks from this report date and we normally will find any trace subject on the second trace instruction. This time gap gives our systems time to update with new information from our data sources to obtain a current address.

We refund cases where at the current time there is no further information to obtain a current address. We advice to either:

• Wait 4 weeks and resubmit the case to us when information sources will of updated.
• Request an in depth trace with our investigation team which normally will locate a current address with an in-depth investigation search – request here

A returned or refunded status is our system definition for a negative trace and has been worked but will be returned and refunded as there is a negative trace result.

Please note: Pre-sue/litigation reports, investigative services and financial background reports are fee per case due to the complexity of the investigations and are non refundable in all situations as outlined in our terms of service. All other cases such as address tracing we only offer a retrace of a case to verify the supplied results but there is no financial refund guarantee under any circumstances.

Information provision is based on the subjects actual situation that can be discovered at the time the report is generated and if the report has minimal information it means we have searched against our datasets but the subject does not match for the given searches, for example if the the subject does not own property in the UK this will result in a nil return of information on the report for this section – property ownership. Our information in no way is guaranteed to be complete in terms of assets or liability information as it is based on data from third parties and outside of our control, all reports are supplied in the best of faith but without guarantee – see terms of service

​All reports for Pre-sue/litigation reports, investigative services and financial background reports are full and final and do not come with any recheck service.

CRA – Credit reference agency, supplies credit links formed in applications for credit or payment of credit accounts at the new supplied address

XD – Ex-directory – this gives the bill payers name at the supplied property but not the number (this can match to the subject address in the subjects name but we cannot supply the number)

LAS – Living as stated at the supplied address

GA – Gone away

DOB – Date of birth, normally used in matching the subject to a property by the date of birth

If your report states refunded it will be refunded in full or partially where only part of the information is obtained. To confirm all address tracing is no trace no fee and all refunds will be placed within 24 hours of negative trace result provision.

Cases which are returned negative or refunded can use our in depth people tracing service which resolves most matters and is still backed by our no trace no fee guarantee – Learn more

Depending on your payment method refunds can take up to 10 days to show on your statement due to different banking timescales. If you need further information on this you will need to contact your bank or credit card provider for their full terms of service.

All reports for Pre-sue/litigation reports, employer research or tracing,  divorce reports, investigations, employer information and financial background reports are full and final and do not come with any recheck service, guarantee or liability – see terms of service.

Only address tracing is offered with a recheck service of 30 days for a confirmed reason.

Our expert team is available and will answer your query in 24 hours

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