Financial Enquiries
If you're seeking help on people tracing or background checks for financial reasons, we can help.
We are one of the UK’s leading tracing agents with expertise in debtor tracing, debt recovery, process serving (handing over a legal notice or court order), employment tracing, probate tracing, international people tracing and private investigations.
Financial Enquires are of a threefold nature.
Credit Check - If you have been approached to supply credit facilities or funds to an individual or a company Vilcol will supply you with the information and an opinion as to whether the applicant is credit worthy.
Pre Legal Report – If you are looking to take legal action to recover a debt this can be very expensive especially if the claim is defended. Our legal reports, Standard and Full Pre-Litigation, will provide you with the necessary information to assess whether or not the debtor has the funds and assets to repay you. You will then be able to make an informed decision as to the cost effectiveness of taking legal action.
Post Legal Report – Any of the three reports can be used depending on your requirements. This service is recommended if you already have Judgement or are looking to enforce a court order. Bailiffs/ Sheriffs will charge you for attending an address only to establish that the defendant has no means to repay the Judgement amount. Find out first before being liable for Bailiffs/ Sheriffs costs.
It is not unknown that County Court Judgments (CCJ), Insolvency Voluntary Arrangement (IVA) and Bankruptcy to be linked with previous addresses. If this information is critical to you then we recommend either the Standard or In-Depth search.
If you are unsure that the subject of your enquiry is still resident or operating from the last known trading address please select from the drop down box at the top of the Instruction Form the service that you require which includes “+ Trace”. You will only be charged for the Trace if the subject of your enquiry has moved and we have located their new address.
Vilcol provides a compliant method to report on customer’s assets. All enquires are conducted within the Credit Services Association (CSA) Guidelines, Financial Conduct Authority (FCA) Guidelines and Data Protection Statute.
There are three different levels of instruction. Please see below.
Standard - This is a basic process which is limited to one address:-
- Confirmation that the subject is resident or trading from address supplied
- Land Registry Documents
- Employment information (current employer)
- Telephone numbers (home & employer)
- If a company, it’s financial reports
- Plus we will also supply County Court Judgments, Insolvency Voluntary Arrangement, Bankruptcy and Winding up/Insolvency information registered against the name and address supplied
A Fee of £75.00 is required prior to the start of our enquiries. Our report will be emailed to you when we complete our investigations.
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In-Depth - Vilcol will assign your instruction to one of our award winning experienced in-house private investigators to research your subject. Upon your behalf they will carry out various enquiries and follow leads based on the information supplied by you and as a result of any other information gained. All reports have a free 30 day Review policy.
Average response time is 10 - 15 working days. We can do it faster if you want but that will cost more.
Review - Vilcol will re-check free of charge any information supplied by us if the request is received in writing within 30 days of the date of our report.
Our report will include the following if available and is limited to three addresses:-
- Current & past directorships
- Resident or trading from address supplied
- Employment information (current employer)
- Telephone numbers (home & employer)
- Property ownership(s) & current price(s)
- Land Registry Documents
- Any other assets
- Disqualified directors searches
- Insolvency register searches
- County court judgments
- Winding Up and Insolvency searches
- Company financials
Fee £225.00. A deposit of 50% is required prior to the start of our enquiries. Our report will be emailed to you when we receive the balance.
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Full Report - Vilcol will assign your instruction to one of our award winning experienced in-house investigators to research your subject. Upon your behalf they will carry out various enquiries and follow leads based on the information supplied by you and as a result of any other information gained. All reports have a free 30 day Review policy.
Average response time is 10 - 15 working days. We can do it faster if you want but that will cost more.
Review - Vilcol will re-check free of charge any information supplied by us if the request is received in writing within 30 days of the date of our report.
Our report will include the following if available and provides an un-limited addresses search:-
- Free address trace
- Date of birth confirmation
- Confirms current address
- Confirms financial status
- Current & past directorships
- Employment information
- Property ownership
- Property Description
- Estimated property value
- Land Registry Documents
- Disqualified directors searches
- Insolvency register searches
- Suspected alias used
- Social media searches
- Credit background
- Mobile or telephone numbers
- County court judgments
- Insolvency register Search
- Company financials
- Lifestyle information
Fee £375.00 A deposit of 50% is required prior to the start of our enquiries. Our report will be emailed to you when we receive the balance.
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Fees not inclusive of VAT.
Financial Enquiries FAQs
Q: What do credit checks show?
A: Credit check will show any accounts where credit has been taken out. This includes credit cards, loans, mortgages and any credit agreements that the subject has in place, such as anything they’ve bought on finance or utility debts. It may include any closed credit accounts.
Q: Which report is the most detailed?
A: If you’re looking for a truly in-depth report including lifestyle information, social media searches and mobile or telephone numbers then we suggest instructing us for a full report.
Q: How long does it take to get a credit check report?
A: This depends on the type of report you choose to get. The average response time for our standard report is 24 hours but if you want a more in-depth report the average response time is 10 working days. If you want a faster service when instructing us please either tick same day, 24 hour or 48 hours.
Q: What is a pre legal report?
A: A pre legal report provides you with the essential information to assess whether or not a debtor has the funds and assets to repay you before you pursue legal action.
To get your pre legal report, instruct us today.
Q: What is a post legal report?
A: A post legal report is recommended if you already have judgement or are looking to enforce a court order. Before employing the service of a Bailiff or Sheriff, which will charge you for attending an address only, find out if the defendant doesn’t have the means to repay the judgment amount before the extra cost.
To get your post legal report, instruct us today.
