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Tracing Debtors in the UK — A Beginners Guide

Last modified: March 26, 2024

In today’s world, modern debt collection has been distilled down to a science. With technology, modern record-keeping and market research, businesses can resolve the challenges of debt evasion seamlessly. Tracing debtors, especially, has become an efficient process that allows collectors to track debtors within a matter of days.

Businesses and individuals often face the challenge of debtor evasion. This refers to instances where customers may actively avoid contact or become unresponsive in an attempt to escape repayment obligations. Understanding how to effectively trace debtors is an essential aspect of debt recovery.

Fortunately, there are a number of techniques that can be utilised to locate those who owe unpaid rent arrears or other forms of debt. In this article, we’ll take a deep dive into the topic of tracing debtors in the UK within the confines of the law.

Start by Gathering Information

The first step in tracing a debtor is to gather as much information as possible about your debtor’s whereabouts. This can include their name, address, phone number, email address, and social media profiles.

If you are dealing with a business debtor, gather information on the company registration number, directors, and any previous addresses. You should also try to obtain any relevant documentation such as credit agreements, invoices, and contracts.

Use Online Sources

Once you have gathered as much information as possible, you can start to utilise online sources to track down the debtor. This includes using social media platforms that can give valuable information when tracing a debtor. You can also use online directories to search for their address and phone number if appropriate.

Sometimes online directories can be outdated, though. This can be a useful tool, however, for somebody who may have incurred a debt a number of years ago. It is important to note that the statute of limitations prevents debt collection for debts over 6 years old.

The Electoral Roll

One of the most effective ways to trace a debtor is to use the electoral roll. This is because it lists the names and addresses of everyone who is registered to vote in the UK.

You can obtain this information by contacting your local council or by using one of the many online services that offer access to the electoral roll.

Use a Specialist Service

Tracing debtors and individuals is a timely exercise that often ends fruitlessly. Working with a trained professional service can expedite the process and confirm a new or existing address for your debtor. We are able to help with this from only £75 + VAT for a successful trace.

Tracing Debtors in the UK — A Beginners Guide Frontline Collections

Private Investigators

If you are having difficulty finding a debtor, you may want to consider hiring a private investigator. They have access to a wide range of databases and resources that can help them track down the debtor. They can also carry out surveillance and other investigative work to find the individual.

Private investigators normally charge £150+ per hour. This can be a very expensive option but may be needed if you are dealing with a particularly slippery person.

Wrapping Up: Tracing Debtors in the UK

Tracing debtors in the UK can be a challenging process, but with the right tools and techniques, it is possible to locate individuals who owe money.

By gathering as much information as possible, utilising online sources, and considering legal action if necessary, you can maximise your chances of reclaiming unpaid debts.

If you are still having difficulty tracing a debtor, it may be worth seeking professional help from a private investigator or a professional debt collection agency.

Need to Trace an Absconded Debtor?

Frontline Collections can provide a specialist tracing service from only £75 + VAT for a successful UK trace. Contact us today for immediate help and advice. A trace can assist with pre-legal debt recovery efforts before court action is needed.

Tracing Debtors or Absconded Persons – FAQs

Still have a few questions about tracing your debtors in the UK? Have a look at our answers to some frequently asked questions or get in touch.

Can Anybody Be Traced in the UK?

Yes, the vast majority of UK residents can be traced if the correct details are provided to us. We pride ourselves on having access to the latest up-to-date tracing databases and resources in order to help you find your debtor quickly and cost-effectively.

What Is a Successful Trace?

A successful trace involves locating an absconded debtor’s current address or whereabouts. We will provide this information along with additional evidence of the person’s identity, such as occupation, date of birth, etc., when available.

Frontline Collections takes great care in providing accurate information that is both reliable and respected. Our highly experienced team of experts have years of experience in providing accurate traces for all sorts of clients – from businesses to private individuals.

How Long Does a Trace Take?

Normally, a person can be traced within one working day. This can vary, though, depending on the complexities of the situation however, we can normally obtain a ratified and confirmed address within one working day.

Is There a Charge if You Cannot Trace a Person?

No, there is no charge for an unsuccessful trace. Our specialist tracing service is No find – No fee.