Find UK People® - Tracing Agents who find people in the UK

Debtor Tracing

Tracing your debtor in 7 days.

Find UK People® - Tracing Agents who find people in the UK

  • Guaranteed
  • No trace no fee
  • Results in 7 days
  • From £49 ex VAT

Debtor tracing in 7 days

Find UK People® is a leading UK debtor tracing specialist, delivering fast, reliable, and compliant results on a no trace, no fee basis through advanced data and expert analysis.

Find UK People® offers a leading debtor tracing service, typically locating individuals within 7 days. Our expert team uses advanced data systems and investigative techniques to trace debtors, even those actively avoiding contact.

Fast, compliant, and easy to use via our secure platform, the service leverages credit agency data from Experian and Equifax and intelligence to uncover verified address links with speed.

Why people choose us

No trace, no fee

If we don’t find your subject you don’t pay a penny.

60 day guarantee

Check your results Free of Charge for up to 60 days.

Fast 7 day service

Results in 7 days, in most circumstances.

Reliable results

Results that are accurate and can be relied upon.

Debtor tracing explained

No Find, No Fee debtor tracing

Find UK People® is a leading UK debtor tracing agency, offering a fast and accurate no trace, no fee service. Using live UK credit agency data from Experian, Equifax, and TransUnion, layered with our proprietary data and tracing expertise, we can typically locate a debtor’s verified current address within just seven days—far faster than the industry standard.

Our debtor tracing process begins as soon as you place an order through our secure online platform. Our experienced team accesses real-time credit activity and address links associated with the debtor, which are then cross-checked against secondary data sources to validate the findings. This dual-source verification ensures the address is accurate and current at the time the report is generated.

We produce a detailed trace report confirming the subject’s current residential address and underwrite our findings for 60 days. If you believe the result may be incorrect during this period, we will recheck the case free of charge. Our tracing strategy also includes analysis of historical address patterns and behavioural data to strengthen the reliability of each result.

What sets us apart is the sophistication of our technology and the experience of our tracing professionals. We go beyond basic database checks, using advanced algorithms and recent data signals to track down elusive or evasive debtors. Whether the subject has moved recently, changed their credit status, or attempted to avoid detection, our system is designed to adapt and trace effectively.

All personal data is handled securely and in full compliance with UK GDPR and the Data Protection Act. We only proceed with cases where clients have a valid lawful basis for instructing a trace and our data access is conducted in accordance with regulatory standards.

Find UK People® is trusted by legal firms, debt recovery agencies, and landlords for our high success rates and fast turnaround. If you have multiple debtors to locate, our batch tracing service offers efficient processing of high volumes at competitive rates, making us the ideal partner for volume recovery and tracing projects.

For reliable, compliant, and results-driven debtor tracing, trust Find UK People®—your expert tracing partner in the UK.

Frequently asked questions

Is debtor tracing no trace no fee?

✅  Peace of mind!

All of our debtor tracing services are no trace no fee so if we don’t find the person you are looking for you won’t pay a penny. Furthermore, our debtor trace services adhere to a no trace no fee policy, assuring that there will be no charges if the trace does not yield results. However, please note that once a report has been generated and delivered, it is considered final and cannot be refunded. This guarantees the comprehensiveness and finality of our debtor tracing services.

What information do I need to complete a trace?

ℹ️  We don’t need much!

All you need is the debtors name and either their old address or date of birth.

How long does the trace take?

💨  7 days fast!

Normally just 7 days and a maximum of 30 days.

Is the information guaranteed?

✅  Peace of mind!

All of our supplied information is guaranteed for 60 days and we will recheck it free of any charge during this period if you need some further validation.

Why use a debtor tracing service?

💰  Helps you recover a debt!

A debtor tracing service helps creditors locate individuals who have moved without providing a forwarding address or are actively avoiding repayment. These services use verified data sources—including credit reference agencies such as Experian and Equifax and proprietary databases—to identify a debtor’s current address and contact details quickly and lawfully.

Using a professional tracing agent improves the chances of recovering outstanding debts by:

  • Re-establishing contact with the debtor

  • Enabling legal correspondence or court action

  • Supporting enforcement of County Court Judgments (CCJs)

  • Saving time and resources compared to manual searches

Whether for a single case or part of an ongoing debt recovery strategy, debtor tracing is an effective, compliant way to locate individuals and progress your collection efforts.

What is debtor tracing?

🕵️  Process of locating debtors

Debtor tracing is the process of locating individuals or businesses who owe money but can no longer be contacted at their last known address. In the UK, it is commonly carried out by professional tracing agents or debt recovery specialists using regulated methods and secure data sources.

A typical debtor trace involves:

  • Gathering known details about the debtor (e.g. name, previous addresses, DOB)

  • Searching verified databases, including credit reference agency data and electoral roll records

  • Verifying the current address or contact details of the subject

  • Ensuring all activity complies with UK law, including the Data Protection Act 2018 and FCA guidelines

Debtor tracing is a vital tool for creditors, solicitors, landlords, and finance professionals who need to reconnect with a debtor to recover outstanding money or serve legal documents. When performed by a compliant and experienced tracing company such as Find UK People, it significantly improves debt recovery outcomes.

How does debtor tracing work in the UK?

💻 Online research experts in UK debt recovery

Debtor tracing in the UK is the process of locating individuals who owe money and can no longer be contacted through their last known address. This work is carried out by professional tracing agents using a combination of verified data sources, online intelligence, and investigative techniques—all in line with UK data protection laws.

Here’s how debtor tracing typically works:

1. Credit Agency Address Links
Tracing agents use address link data from UK credit reference agencies such as Experian, Equifax, and TransUnion. These links are created when individuals apply for credit, and they provide a record of financial activity tied to specific addresses. This forms the foundation of most traces and helps agents identify recent address history.

2. Cross-Verification with Multiple Data Sources
To confirm the debtor’s current address, agents layer credit agency data with:

  • Electoral roll records

  • Land Registry property ownership

  • Financial application data

  • Online profiles and social media activity

3. Recency and Accuracy Checks
Agents pay close attention to recency date stamps, which indicate when address data was last verified. More recent links are prioritised to ensure the information is current and reliable.

4. Identity Confirmation
Before reporting a successful trace, agents cross-check personal identifiers—such as name, date of birth, and historical address links—to ensure they have located the correct individual.

5. Lawful and Compliant Practice
All tracing is carried out in full compliance with the Data Protection Act 2018, UK GDPR, and industry standards. Information is only provided to clients with a lawful basis for requesting the trace, such as legal or debt recovery purposes.


Debtor tracing is a critical step in debt recovery, enabling creditors, solicitors, landlords, and enforcement professionals to reconnect with individuals and progress recovery or legal proceedings. When performed by experienced agents using regulated data, it significantly increases the likelihood of successful repayment or enforcement.

How do I find a debtor in the UK?

🕵️‍♀️  Find that elusive debtor!

If you’re looking to find a debtor in the UK and you wish to use a specialist debtor tracing agency like Find UK People, the process is usually quite straightforward.

Here’s how you can typically go about it:

  1. Gather information: Before starting the process, you’ll need to gather all the information you have about the debtor. This can include their full name, date of birth, last known address, and possibly a National Insurance number if you have it. The more information you have, the easier it can be for the agency to locate the debtor.
  2. Engage the tracing agency: Visit the website or contact the agency directly. Agencies like Find UK People usually have an online portal where you can submit the details of the person you are trying to trace. You will need to provide the information you’ve gathered about the debtor, and describe the reason you’re looking to trace them.
  3. Submit your request and pay the fee: There is typically a fee associated with debtor tracing services. After you submit the required information and pay the fee, the agency will begin the process of tracing the debtor.
  4. Wait for the results: The agency will then begin the debtor tracing process. This typically involves a comprehensive search of databases and records to try to locate the debtor. This can take a few hours to a few days, depending on the complexity of the case and the information available.
  5. Receive the report: Once the agency has completed their search, they will provide a report with the debtor’s current contact details or confirm that they were unable to locate them. In some cases, if they are unable to locate the person, they may offer a no-find, no-fee guarantee.
  6. Next steps: Once the debtor is found, you can take the next steps towards collecting the debt, whether that’s contacting them directly, engaging a debt collection agency, or taking legal action.

 

Remember, it’s important that all actions taken during this process are in compliance with the law and regulations, including the Financial Conduct Authority’s (FCA) guidelines, the Data Protection Act 2018, the General Data Protection Regulation (GDPR), the Consumer Credit Act 1974, the Consumer Rights Act 2015, and the Protection from Harassment Act 1997.

How accurate is debtor tracing?

🎯 Accurate and reliable debtor tracing

Find UK People® specialises exclusively in UK-based debtor tracing, providing accurate and reliable results by combining multiple verified data sources with experienced in-house researchers.

The accuracy of any debtor tracing service depends on several key factors:

1. Quality and Recency of Data
Our tracing agents use live address links from UK credit reference agencies (such as Experian and Equifax), electoral roll records, and other compliant datasets. By layering these sources, we ensure address information is both up to date and highly reliable—typically within a recent activity window.

2. Evasive Debtors
Some individuals deliberately try to avoid detection by frequently changing addresses, withholding information, or providing false details. Our team is experienced in dealing with these scenarios and uses targeted methods to trace even the most elusive debtors within the UK.

3. Compliance and Data Privacy
All tracing activity is fully compliant with the Data Protection Act 2018, UK GDPR, and applicable FCA guidelines. We access regulated data sources lawfully and responsibly, ensuring that every trace is ethically conducted and legally justified.

4. Changing Circumstances
A debtor’s situation can change quickly. That’s why we focus on recent, multi-source address data, verified through our internal checks, to confirm the most accurate and current residential information.

5. Recommended Post-Trace Verification
For sensitive or high-value cases, we recommend follow-up verification such as process serving, phone validation, or legal pre-action checks to confirm the accuracy of the trace result in practice.


At Find UK People®, we only provide trace results when we have strong, corroborated data from multiple sources—typically including credit agency confirmation and recency verification. This ensures our clients receive dependable, court-ready address information when it matters most.

How is debtor tracing different to people tracing?

🫣 Debtors may undertake measures aimed at enhancing their privacy.

Debtor tracing and people tracing are two distinct processes, although they both involve locating individuals.

Debtor tracing is primarily concerned with finding individuals who owe money. The goal here is to locate debtors who may have moved or disappeared without leaving forwarding information or who are actively trying to evade repayment of their debts. The information found during debtor tracing can be used to enforce debt recovery processes, such as serving court documents or initiating other legal proceedings.

On the other hand, people tracing, also known as skip tracing, is a broader term that refers to locating any individual for a variety of reasons. This could include finding missing persons, locating witnesses for legal cases, tracking down old friends or family members, or even searching for individuals for genealogical research.

While the methods used in debtor tracing and people tracing may be similar, involving access to databases, public records, and potentially even private investigators, the focus and end goal of each process are what distinguish them.

Our promise to you

No Trace No fee

  • Money back guarantee

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60 days of cover

  • Giving peace of mind

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Full retrace guarantee

  • Recheck your case

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