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® are a U.K. leading debtor tracing company who have significantly invested in its debtor tracing service.

Our industry leading debtor tracing service is finding most missing debtors within 7 days. The debtor tracing service is further enhanced by our team of investigative debtor tracing agents.

The Find UK People®’s debtor tracing service provides a rapid, efficient, and compliant means to trace nationwide debtors you need to reconnect with. Accessible online, the debtor tracing system offers an easy-to-use interface.

Our debtor investigation partners can access the address links of a debtor derived from databases and credit activity information. Tracing a debtor requires a particular set of skills and experience as debtors, unlike other individuals being traced, will employ certain avoidance strategies to attempt to evade being tracked.

Find UK People® as a debtor tracing company are well versed in these avoidance measures used by some debtors and have proven tactics for tracing debtors to overcome this.

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.

Find UK People® is the number one choice for debtor tracing

The Find UK People® debtor tracing service utilises multiple Credit Reference Agency data sets which is then layered with additional Proprietary data.

Find UK People® has a unique debtor tracing procedure, which employs innovative strategies to swiftly and accurately pinpoint the location of a debtor, setting us apart from other debtor tracing agencies. We leverage recent credit activity data to locate a debtor, a process which has proven to be significantly faster than traditional methods. While the industry standard for locating a debtor’s current address typically stands at four weeks, our cutting-edge approach enables us to accomplish this task in mere days.

Find UK People® has developed a proven strategy that involves a meticulous verification of Credit Reference Agency indication data. This strategic approach is key in ensuring the successful tracing of a debtor’s location. It allows us to confirm the accuracy of a debtor’s current address within just seven days, a fraction of the time taken by conventional tracing agencies.

Similar to our other services, our debtor tracing services are offered on a no trace, no fee basis. This policy underscores our commitment to delivering value to our clients. To initiate a trace, you simply need to place your initial debt trace order with us. Upon receipt of your request, our dedicated team of tracing agents will immediately begin investigating the matter.

Our expert debt recovery tracing agents will provide you with the current address of the subject debtor. To ensure the reliability and accuracy of our findings, we confirm each debtor’s location using two separate information sources. This rigorous verification process ensures that the location data we provide is not only current but also highly accurate.

Once we have established the debtor’s current address, we generate an address trace report. This report certifies that the address we have found is indeed the correct current address of the debtor, as of the date the report is produced. Our commitment to the accuracy of our work is unwavering; we stand by our findings and offer a guarantee for the current address information.

At Find UK People®, we pride ourselves on being specialists in the field of debt tracing. We provide an effective, low-cost solution for debtor address tracing, making our services not only efficient but also economically attractive. Our team’s expertise, combined with our innovative tracing methods, allows us to deliver superior results to our clients.

In addition to our core tracing services, we provide ongoing support throughout the tracing process. From the time you place your initial order to the completion of the trace, our team remains available to answer any questions, address concerns, and provide updates as necessary. We strive to ensure transparency, maintain professionalism, and uphold the utmost confidentiality throughout the tracing process.

In essence, Find UK People® offers a unique, comprehensive, and reliable solution for all your debtor tracing needs. We understand the complexities involved in tracing debtors and are committed to simplifying the process for our clients, while maintaining the highest standards of accuracy and speed. Our unique approach, combined with our commitment to customer service, makes us a leader in the debtor tracing industry.

Find UK People, your trusted tracing agent in the United Kingdom. We specialize in locating debtors and individuals by utilizing information from UK credit agencies. Our advanced tracing techniques, combined with access to address links provided by credit agencies, enable us to successfully track down the current addresses of debtors.


How It Works: Utilizing UK Credit Agency Information

At Find UK People, we leverage the valuable resources offered by UK credit agencies to assist us in tracing and locating debtors. Credit agencies in the UK, such as Equifax, Experian, and TransUnion, gather and maintain vast databases of credit information on individuals and businesses. These agencies collect data from various sources, including banks, lenders, utility companies, and other credit providers.

When a debtor applies for credit or enters into financial agreements, their personal information, including their current and previous addresses, is often recorded by these credit agencies. This data creates a comprehensive profile that helps lenders assess an individual’s creditworthiness. We tap into these address links to initiate the process of locating debtors.


The Tracing Process

Our skilled team of tracing experts begins the process by collecting the relevant information provided by our clients, such as the debtor’s name, last known address, and any other available details. We then access the databases of UK credit agencies to search for address links associated with the debtor.

Using sophisticated algorithms and search tools, we cross-reference the provided information with the vast credit agency databases. We analyze the debtor’s credit information, including their previous addresses, to identify patterns and potential leads. This thorough investigation helps us determine the most likely current address of the debtor.

At FindUKPeople, we go beyond just acquiring data from credit agencies that indicate a debtors current address. Our process includes employing sophisticated algorithms and search tools to cross-reference this data with multiple alternative sources that are not linked to UK Credit Agencies and are sensitive to recent updates, i.e., within the last 30 days. This allows us to validate the authenticity of the initial Credit Agency data and ensure that the address we sourced is indeed the correct and current one for the debtor you are searching for in the UK.

Further, our analysis doesn’t stop at current addresses. We also examine the debtors mapped data in detail, including their historical addresses, to discern patterns and potential leads. This rigorous investigation aids us in pinpointing the exact current address of the debtor you are searching for, every time.


Data Privacy and Compliance

We understand the importance of data privacy and compliance with relevant regulations. As a reputable tracing agent, Find UK People operates in full compliance with the UK Data Protection Act (DPA) & GDPR, ensuring that all personal information is handled securely and confidentially. We only access credit agency information in accordance with legal requirements and the consent of our clients.


Successful Tracing Results

Our extensive experience and access to UK credit agency information have enabled us to achieve a high success rate in tracing and locating debtors. We have successfully helped numerous clients recover outstanding debts, reconnect with individuals, and resolve legal matters.


Volume Batch Tracing

Should you have a large volume of debtors to trace, our batch tracing facility will trace your gone-away debtors to a forwarding address – our batch tracing prices can be viewed here.

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!

Creditors in the UK often turn to debtor tracing services for several reasons. Firstly, these services help locate debtors who have changed addresses without informing creditors or intentionally evaded their financial obligations. By utilizing various techniques and databases, tracing services assist in finding individuals who owe money.

Secondly, debtor tracing services provide updated contact information for debtors, such as addresses, phone numbers, or email addresses. This enables creditors to establish communication effectively, discuss repayment arrangements, negotiate settlements, or initiate legal proceedings as necessary.

Lastly, these services are essential for debt recovery and enforcing legal judgments. Tracing services aid in locating debtors’ assets and identifying potential sources of repayment, such as bank accounts, properties, or valuable possessions. This information is crucial for creditors seeking to enforce judgments and recover outstanding debts.

Regarding the frequency of using debtor tracing services, it varies based on individual cases and the creditor’s needs. Tracing services may be employed as a one-time effort to locate a specific debtor, or they can be used regularly for ongoing debt recovery processes. The frequency depends on factors such as the volume of outstanding debts, debtor turnover rate, and the effectiveness of initial debt collection methods employed by the creditor.

What is debtor tracing?

🕵️  Private investigation that finds debtors!

In the UK, the process of debtor tracing involves locating a debtor, or an individual or entity that owes a debt, who has become difficult to contact or has absconded. This is often performed by professional debt collection agencies, tracing agents or private investigators who specialize in this area.

Here’s a brief description of how debtor tracing typically works under UK regulations:

  1. Gathering Information: This initial stage involves the collection of as much relevant information as possible about the debtor. This information can include their last known address, full name, date of birth, or National Insurance number. The information might be provided by the creditor or obtained from publicly available records.
  2. Database Search: The tracing company then conducts a search using this information in various databases. These may include credit bureau databases, public records such as the electoral roll, and proprietary databases held by the tracing company. The aim is to identify any current contact information or addresses associated with the debtor.
  3. Investigation: If the debtor is purposefully avoiding payment and cannot be located through database searches, a more in-depth investigation may be necessary. This could involve surveillance or interviewing people known to the debtor.
  4. Contact and Collection: Once the debtor has been located, the next step is to make contact and try to recover the debt. This needs to be done in accordance with the law and regulations governing debt collection in the UK, such as the Financial Conduct Authority’s (FCA) guidelines, and must respect the debtor’s rights under the Data Protection Act 2018 and the General Data Protection Regulation (GDPR).

It’s worth noting that the process must also be conducted in line with the Consumer Credit Act 1974 and the Consumer Rights Act 2015. It is essential that the debtor tracing and collection processes are carried out in a way that does not amount to harassment, under the Protection from Harassment Act 1997.

In short, debtor tracing is a specialized field that requires an understanding of data analysis, investigation techniques, and a deep knowledge of the legal and regulatory landscape in the UK. The exact methods used can vary depending on the specifics of the case and the resources of the agency conducting the trace.

How does debtor tracing work in the UK?

💻  Online research experts!

Debtor tracing agents in the UK specialize in locating individuals who have outstanding debts or financial obligations. While specific methods and techniques may vary among tracing agents, here is a detailed explanation of how they use credit agency address links and other data sources to trace debtors:

  1. Credit Agency Address Links: Credit agencies, also known as credit reference agencies, collect and maintain vast databases of consumer credit information in the UK. These agencies compile data from various sources, such as financial institutions, lenders, and public records. Tracing agents can leverage this data to trace debtors by accessing address links provided by credit agencies.

Address links in credit agency databases are associations between individuals and addresses. They are created when individuals apply for credit, loans, or financial services, and their address is recorded during the application process. Tracing agents use these address links to establish a starting point for their search and to determine the debtor’s most recent known address.

  1. Credit Agency Identity Verification: Tracing agents also use credit agency databases to verify the identity of the debtor. By cross-referencing personal information, such as the debtor’s name, date of birth, and previous addresses, with the credit agency data, they can ensure they are tracing the correct individual.
  2. Layering Current Address Links: Tracing agents take the address links provided by credit agencies and layer them with other data sources to confirm the debtor’s current address. This process involves combining various data points to establish a more accurate picture of the debtor’s whereabouts. Some of the data sources that may be used include:
  • Electoral Roll Data: The electoral roll, or voter registration list, can provide updated address information for individuals who are registered to vote.
  • Utility Bills and Financial Records: Tracing agents may review utility bills, bank statements, and other financial records to identify any recent address changes or references to the debtor’s whereabouts. This is also completed via the data that is fed into UK Credit Agencies and produces the address links along with financial application data.
  • Land Registry: Tracing agents may search land registry records to determine if the debtor owns or has recently purchased property, which can provide valuable address information.
  • Social Media and Online Presence: Tracing agents may utilize online platforms and social media to gather information about the debtor’s current activities, connections, or potential location clues.
  1. Recency Date Stamps: Tracing agents pay close attention to the recency date stamps associated with the address links provided by UK credit agencies. These date stamps indicate when the information was last updated or verified by the credit agency. Address links with more recent date stamps are considered more reliable and are given higher priority when establishing the debtor’s current address.
  2. Data Verification and Confirmation: Once tracing agents have collected and analyzed information from various sources, they engage in a process of data verification and confirmation. This involves cross-referencing multiple data points and conducting further investigations, such as field visits, making inquiries with relevant parties, or collaborating with other professionals to validate the accuracy of the address information obtained.

It’s important to note that specific credit agencies in the UK include Equifax, Experian, and TransUnion (formerly Callcredit). These agencies collect, store, and provide credit information to authorized individuals and organizations. Tracing agents can access the address links and other relevant data through subscriptions or partnerships with these credit agencies.

It’s worth mentioning that the methods and data sources used by tracing agents may evolve over time, and new techniques may emerge.

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 successful is debtor tracing?

🌍  We find debtors Worldwide!

The accuracy of a debtor tracing agent in the UK can vary depending on several factors, including the quality and recency of the available data, the expertise and techniques employed by the tracing agent, and the specific circumstances surrounding the debtor being traced. It’s important to understand that tracing agents aim to locate debtors based on the information available to them at a given time, but there are inherent limitations and challenges involved in the process.

Here are some factors that can influence the accuracy of a debtor tracing agent:

  1. Quality and Recency of Data: The accuracy of tracing depends on the quality and recency of the data available to the tracing agent. If the available data is outdated, incomplete, or incorrect, it can affect the accuracy of the tracing results. Tracing agents heavily rely on accurate and up-to-date data sources to locate debtors effectively. This is why it is advisable to use a tracing agent that specialises in debtor tracing and has a layered data approach for a breadth of data to locate the subject debtor accurately.
  2. Cooperation and Intentional Evasion: Some debtors may intentionally try to avoid being traced by using various tactics to conceal their whereabouts. They may provide false information, change addresses frequently, or engage in other strategies to make tracing more challenging. In such cases, the accuracy of tracing becomes more difficult, and it may require additional investigative efforts or collaboration with specialist in depth tracing agents. Find UK People are well versed in these evasive strategies debtors can employ and we have an effective process to locate the more elusive.
  3. Data Protection and Privacy Regulations: Tracing agents must adhere to data protection and privacy regulations when accessing and using personal information. These regulations can impose certain limitations on the data that tracing agents can access or how they can use it. Compliance with these regulations may impact the availability and accuracy of data sources used in the tracing process. Again this a good reason to use an established tracing agent who has access to effective and broad compliant data to have an effective success rate.
  4. Dynamic Nature of Debtors’ Circumstances: Debtors’ circumstances can change over time. They may move to different addresses, change contact details, or modify their personal information. Tracing agents may need to constantly update and verify the accuracy of the data they have to ensure the most recent information is being used.
  5. Collaboration and Verification Processes: Tracing agents often collaborate with other professionals or agencies and undertake verification processes to confirm the accuracy of the traced information. This may involve field visits, interviews with relevant parties, or additional investigations to validate the obtained data. This is a process we always recommend after a data search to validate the findings of our tracing searches.

It’s important to note that tracing agents strive to provide accurate and reliable information, but there is always a degree of uncertainty involved in tracing individuals, particularly in complex or challenging cases. Factors beyond the control of the tracing agent, such as intentional evasion or limited data availability, can impact the accuracy of the results. Find UK People will only provide a tracing result where we have multiple accurate data sources, including UK Credit Agency, confirming the address and within an acceptable recency window.

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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