Enforcement Asset Check

✅  Peace of mind!

All of our pre-enforcement asset check services are fee per case and supplied on a full and final basis.

ℹ️  We don’t need much!

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

💨  7 days fast!

Normally just 7 days and a maximum of 30 days.

💸  Only if we can’t locate someone!

All pre-enforcement information is supplied on a full and final basis without any retrace guarantee.

ℹ️  Asset & Liability Information

A pre-enforcement financial asset and liability check is a targeted investigation carried out by professional pre-litigation analysts to assess a debtor’s financial position before enforcement action is taken. Typically used prior to a bailiff or High Court Enforcement Officer (HCEO) visit, the report is designed to equip enforcement agents with accurate, up-to-date intelligence to support successful recovery.

This process confirms the debtor’s current residential address, identifies key assets, and highlights financial liabilities. It also assesses the debtor’s financial profile—helping to guide whether enforcement is likely to be effective and which approach is best suited to the circumstances.

Pre-enforcement checks are particularly valuable in the following situations:

• Prior to instructing enforcement officers on high-value or commercial debts

• When a County Court Judgment (CCJ) has been obtained but enforcement options need evaluation

• To confirm address accuracy and asset visibility before committing to enforcement costs

• When the debtor is believed to have assets, but their precise location or value is unclear

While limited by GDPR compliance, the report may include verified address data, indicators of property ownership, business involvement, open-source employment data, CCJ history, and insolvency records. These insights help enforcement officers prioritise visits, reduce the risk of failed service, and target asset seizure more effectively.

By using a pre-enforcement asset check, creditors significantly improve their chances of recovering outstanding debts while avoiding unnecessary costs and delays. It ensures enforcement action is proportionate, informed, and aligned with the debtor’s financial reality.

💻  Online research experts!

A pre-enforcement asset and liability report provides essential insight into a debtor’s financial position, helping creditors assess whether pursuing enforcement action is commercially viable. Carried out before or after a County Court Judgment (CCJ) is obtained, these reports offer a strategic advantage by identifying assets that may be used to recover the debt.

What a Pre-Enforcement Report Typically Includes:

While limited by GDPR and data availability, the report may contain the following indicators:

• Employment status: Open-source data may indicate whether the debtor is employed or self-employed

• Property ownership: Identifies residential or buy-to-let properties owned solely or jointly, including estimated values

• Company directorships: Highlights involvement in active businesses and potential income sources

• CCJs and liabilities: Reveals existing judgments and other known debts

• Bankruptcy or insolvency history: Assesses financial risk and enforcement viability

• Court action and litigation: Identifies any prior or ongoing legal issues

• Asset indicators: Where legally permissible, may suggest ownership of vehicles or high-value assets

Note: Bank details, account balances, and other protected personal financial data are not accessible due to UK data protection laws.

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Matching Enforcement to Circumstance

A key benefit of a pre-enforcement report is its ability to inform the most appropriate and effective CCJ enforcement method, avoiding wasted time and costs.

Here’s how it supports decision-making:

• Warrant of Control / Writ of Control: Indicates whether physical goods may be seized by bailiffs or High Court Enforcement Officers

• Attachment of Earnings Order: Employment indicators help assess if wage deductions are viable

• Charging Order: Confirms property ownership that can be secured against the debt

• Third Party Debt Order: May suggest the presence of active bank or building society accounts

• Bankruptcy Proceedings: Evaluates if insolvency is a viable route, particularly in high-value cases or where other methods have failed

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Informed Action, Improved Recovery

By using a pre-enforcement report, creditors can avoid a trial-and-error approach and base their next steps on verified intelligence. This increases the likelihood of successful recovery, minimises enforcement costs, and ensures legal action is targeted and proportionate.

All reports from Find UK People® are conducted in strict compliance with the Data Protection Act 2018 and UK GDPR, using reputable and lawfully accessed data sources.

💰  Asset & Liability Information

A pre-enforcement asset and liability report provides valuable insight into a subject’s likely financial position, but it does not offer complete transparency of all assets.

Our reports are compiled in good faith using permitted third-party and open-source data and follow a strict, GDPR-compliant framework. As such, they may not reflect the subject’s full financial status and are limited by both data protection regulations and data availability.

We do not provide:

• Bank account details, balances, or statements

• National Insurance, HMRC, PAYE, pension, or benefits data

• DVLA vehicle ownership data

• Offshore or third-party assets (e.g. partner’s finances)

• Personal effects, private financial instruments, or undisclosed holdings

While the report offers a practical overview—such as property ownership, directorships, insolvency history, and CCJs—it should be viewed as an indicative tool, not a definitive statement of assets.