Pre-enforcement asset check
The Find UK People® pre-enforcement check is used by creditors to determine the next steps in regards to enforcement.
The report will identify key assets and liabilities to assist a bailiff or HCEO, for example it will identify key assets to allow the agent to be mindful of assets belonging to the subject which can be identified easily.
It will identify key financial information on a subject to allow selection of the correct method of enforcement based on key intelligence, where available. We have significantly invested in our live tracing database technology, which is finding most of people we are instructed on in the UK within 7 days of instruction, this further complements our team of expert tracing agents.
Cutting edge technology and vast accumulated data enable us to confidently link individuals to people, places and business/financial information.
Why people choose us
No trace, no fee
If we don’t find your subject you don’t pay a penny.
Pre-enforcement checks are supplied on a full and final basis.
Fast 7 day service
Results in 7 days or up to 30 days for more complex cases.
Results that are accurate and can be relied upon.
What we research in a Pre-enforcement asset check
Compiled by our highly experienced, professional investigative pre-litigation analysts.
- Confirm and validates current address*
- Confirms correct debtors address to enforce against*
- Any other residential information*
- All named residents at the property*
- Open-source intelligence used to obtain information about key assets*
- Lifestyle checks to identify high-value assets*
- Confirms financial status*
- Current & Past directorships*
- Employment Information*
- Property ownership*
- Estimated property value*
- Disqualified directors search*
- Insolvency register searches*
- CCJ search*
- Company financials*
*Subject to terms of service – all background & pre-litigation reports are supplied in best of faith but we do not guarantee that the report is a true reflection of a subjects actual full status or complete ownership of assets. We only provide sourced asset information and supporting data from our investigations. See terms of service for full details.
Frequently asked questions
Is pre-enforcement asset check no trace no fee?
✅ Peace of mind!
All of our pre-enforcement asset check services are fee per case and supplied on a full and final basis.
What information do I need to complete a trace?
ℹ️ We don’t need much!
All you need is the persons 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?
💸 Only if we can’t locate someone!
All pre-enforcement information is supplied on a full and final basis without any retrace guarantee.
How and when to use a pre-enforcement asset check?
ℹ️ Asset & Liability Information
A pre-enforcement financial asset and liability check is a comprehensive investigation conducted by highly experienced and professional investigative pre-litigation analysts. This process involves gathering crucial information about a debtor before a pre-enforcement visit by bailiffs or high court enforcement officers. By confirming and validating the current address, identifying key assets, assessing financial status, and uncovering potential liabilities, this check provides valuable insights to facilitate effective enforcement actions.
The primary objective of a pre-enforcement financial asset and liability check is to ensure that the enforcement officers have accurate and up-to-date information about the debtor. This helps them streamline their operations, minimize the risk of denied access at the debtor’s premises, and enhance the efficiency of the enforcement process.
A pre-enforcement financial asset and liability check is typically used in pre-enforcement visits by bailiffs or high court enforcement officers. By providing crucial information about the debtor’s address, assets, financial status, and relevant background details, this check equips enforcement officers with the knowledge necessary to effectively enforce judgments and recover outstanding debts. It enables them to prioritize enforcement actions, seize valuable assets, and adopt appropriate strategies tailored to the debtor’s financial circumstances, thereby increasing the chances of successful enforcement and debt recovery.
How a pre-enforcement asset check helps?
💻 Online research experts!
A pre-enforcement asset and liability report on a debtor in the UK can be extremely helpful to a creditor as it can provide crucial information about the debtor’s assets, liabilities, and overall financial standing. Such reports can be conducted before legal proceedings begin, allowing the creditor to assess whether it is worth pursuing the debt or not, given the debtor’s ability to repay.
This report would usually include information about the debtor’s assets and liabilities but this list can be limited by availability or GDPR compliance.
- Income: Regular earnings and their source, for example, employment or self-employment identification.
- Property Ownership: Any properties they own, either solely or jointly.
- Investments and Savings: Details about any major assets that the debtor has but this can be limited due to data protection.
- Company Ownership/Participation: Information regarding any companies the debtor owns or is involved in, which might indicate potential assets or income sources.
- Vehicles: Cars, boats, or other vehicles owned by the debtor but this can be limited due to data protection.
- Liabilities: This includes any other debts the individual has in respects of outstanding CCJs, or financial obligations, which could affect their ability to repay.
- Bankruptcy or Insolvency History: Any previous bankruptcies or insolvencies, which might indicate a riskier debtor.
- Court Judgments: Any previous or ongoing litigation, including County Court Judgments (CCJs), which could affect their ability to pay.
By thoroughly analyzing these factors, the creditor can identify which assets may be available for enforcement of a CCJ, should they successfully obtain one.
In terms of enforcement of a CCJ, the information from the report can guide the creditor to select the most suitable method. This avoids a trial-and-error approach, saving time and resources. Instead of guessing, the creditor can make an informed decision based on facts.
Here are the most common methods of enforcing a CCJ, and how the pre-enforcement report can help select the right one:
- Warrant of Control/Writ of Control: This enforcement allows bailiffs or High Court Enforcement Officers to seize and sell goods owned by the debtor. The report can reveal if the debtor possesses valuable physical assets that can be sold to recover the debt.
- Attachment of Earnings Order: This order requires the debtor’s employer to deduct payments directly from their earnings and send them to the court. The report can confirm whether the debtor is employed and thus if this method is viable.
- Charging Order: This enforcement secures the debt against property or investments, such as stocks or bonds. The debtor cannot sell these assets without paying what they owe. The report can confirm whether the debtor owns property or other assets that could be used for a charging order.
- Third Party Debt Order: This enforcement freezes money held in the debtor’s bank or building society account. The report can reveal if the debtor has significant funds in their accounts.
- Bankruptcy Proceedings: This enforcement may be viable if the debt is significant and other methods have failed. The report can show if the debtor has previously been declared bankrupt, which might affect the viability of this enforcement method.
By using a pre-enforcement report to understand the debtor’s financial situation and identify assets and liabilities, a creditor can ensure they pursue the most effective enforcement method. This makes it more likely that they can recover the debt, and reduces the risk of unnecessary costs and wasted time.
Do you offer pre-enforcement asset checks on Companies?
🤝 No business data
Find UK People does not offer financial background or pre-litigation asset and liability checks on companies in the UK. The primary reason for this limitation is that the company specialises in conducting checks on individuals rather than businesses. Find UK People has expertise, resources, and access to data that is more geared towards performing checks on personal credit footprints, background histories, and asset/liability assessments of individuals.
While the company has access to individual credit information from UK credit agencies and other sources, it does not have the necessary resources or access to comprehensive data needed to conduct similar checks on companies. Financial information about companies, such as credit history, property assets, and banking details, are more complex, confidential, and protected from access/ view compared to individual financial records for legitimate interest.
As a result, Find UK People focuses on providing services that cater to individual background information, utilising their credit information and associated information to offer accurate and efficient financial background checks for its customers.
Will a pre-enforcement asset check give full transparency of a subjects assets and liabilities?
💰 Asset & Liability Information
Despite our pre-enforcement asset and liability reporting services being delivered in good faith, they may not entirely represent the subject’s status or assets, as they are based on allowable third-party data and a strict template that we follow. We comply with UK data protection regulations and do not provide personal data such as bank details, banking statement data, amounts held in any UK accounts, personal assets, company data, offshore assets, partners assets or liabilities, National Insurance data, DVLA data, PAYE, Pension, Benefits or HMRC data.