FAQs

You can easily manage your payment plan online through our customer portal at https://myaccount.uksearchlimited.com/Login. Once logged in, you’ll be able to amend or cancel your plan as needed.

If you prefer to speak with someone, our team is also available to help you via:

• Phone
• Email
• SMS
• Webchat

Each of our clients instuct us on any settlements we are able to provide, call a member of our team to discuss how much we can offer.

An overpayment or a balance adjustment may result in a credit balance, which may mean that you're entitled to a refund. If this is the case, we’ll get in contact with you using the contact details we have on file. If you haven’t been contacted by us but believe you’re due a refund, please contact us to discuss this further.

We have several ways to help you understand what you can afford. Our agents are trained to assess affordability to ensure you are never paying anything you can't afford. Alternatively, you can fill out an Income & Expenditure form on the online portal to help you understand your finances better.

You can see how much you have left to pay at any time. Just log in to your online account to see all the details of your account, including remaining balance.

We will never ask you to pay more than what you owe. So, if your agreed payment plan is for £30 per month but you only have £10 left to pay, our last payment will be £10. If you pay using standing order, bank transfer or via a barcode, it is your responsibilty to pay the correct amount.

If you miss payments without telling us why, we’ll try to contact you so that we can understand what’s happened. If we still don’t hear from you, your payment plan will remain as broken, and we will continue to try and contact you to resolve this and the consequences may escalate.

You can make additional payments at any point – it won’t affect your payment plan and it could help to pay off your debt faster. You can do this by going online or by giving us a call.

The quickest way to see all of your payments is via your online account. If you wish to see a statement of the payments you made to the original company, you can contact us to let us know and we'll query this with our client.

You can cancel your CPA by contacting us directly. You will need to agree to alternative payment method for your payment plan to continue. If you need to cancel your CPA because you are experiencing financial difficulty, call us to speak to a member of our team and they will help you find the best way forward.

A continuous payment authority (CPA) is when you grant a company permission to take one or more payments from your debit card or credit card. CPAs are not the same as a direct debit or standing order because your contract is directly with the merchant, as opposed to instructing your bank.

Continuous Payment Authority - Register your debit/credit card for a regular automatic payment with us today. Once set up, you’ll have peace of mind knowing payments will be made regularly. We accept Visa Debit Card, Visa Credit Card, Visa Electron, Maestro & MasterCard.
Bank Standing Order / Bank Transfer – Should be made payable to UK Search Limited. Please include our reference number on any payments made to: Sort Code: 60-40-09 / Account Number: 33243557. Debit / Credit Card - We accept Visa Debit Card, Visa Credit Card, Visa Electron, Maestro & MasterCard. Pay securely online via the web-portal, by calling us on 01246 488924 and either using our Automated Payment Line available 24/7 365 days of the year or speak to us over the telephone to process your payment. Cheque / Postal Order – Should be made payable to UK Search Limited. Please include Our Reference Number on the back and post to UK Search Limited, PO Box 678, Chesterfield, S43 9DF Barcode / PayPoint - All our letters contain a unique barcode, simply take the barcode to your local PayPoint and pay via Cash or Card.

A payment plan is an agreement to repay your debt. We will work with you to find how you can repay the balance in a way that's best suited and affordable for you. You can also choose how often you pay and which payment method you use.

We understand that everyone’s situation is different and not everyone is able to pay in full. We will take the time to listen and understand your circumstances, and find the best solution for you. Our specialist team are trained to help you find the right support, so please make sure you let us know what’s going on, and keep us updated. Our team will find out the correct address for the person we’re looking for and make sure you don't receive further correspondance.

We’ll keep trying to contact you by letter, email and phone. If we don’t receive a response after a certain amount of time, your account may be passed to our internal litigation team. If you do not respond, we may take legal action which could result in extra fees, charges and interest being added to your existing balance. It could also result in a County Court Judgement (CCJ) being entered against you which may impact your credit score, and could also escalate to Enforcement such as requesting that a High Court Enforcement officer visits you at your home. We want to avoid all of this, so please get in touch as soon as possible.

When you contact us, we will first ask you a few quick questions to confirm your identity. We will then advise you why we've been contacting you, and we’ll have a chat about your circumstances and help find the best solution for you. We'll always work with you to understand your situation and we’ll never ask you to pay more than you can afford.

If we’re trying to contact you, we have been passed your account by one of our clients and we want to discuss this with you. You can access your account online to get more information or get in touch if you’d like to speak to one of our agents.

All of our contact numbers are free to call, however you will still be charged your local rate if you call from a landline, and other charges may vary depending on your network provider if you call us from a mobile. You can also manage your account online for free via our online portal.

There are lots of ways you can get in touch. You could give us a call or if you’d prefer to handle things yourself, you can manage your account online.

If you’re receiving letters from us for someone you don’t know, please get in touch to let us know. Our team will find out the correct address for the person we’re looking for and make sure you don't receive further correspondance.

If one of our partners has sent us your details, it usually means they’ve been unable to resolve or recover the outstanding balance directly. We’ve been appointed to manage the process from here. As a specialist agency, we’re here to support you and work towards a resolution. If you’ve received communication from us, get in touch as soon as possible so we can discuss your account and circumstances, and find the best possible solution together.

Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA). Our FCA permissions number is 679773.

We are also members of the Credit Services Association (CSA), following their code of practice to ensure fair and responsible treatment of customers.

UK Search Limited is a debt collection company dedicated to helping customers clear their debt in the quickest, most affordable way possible. We never add our own interest or charges, and we never ask you to pay more than you can afford.

Yes, we have a bespoke litigation model that allows us to strategically identify the most appropriate individuals or businesses to pursue legal action against. This service is part of our full-suite offering and can be tailored to your risk appetite and commercial objectives, ensuring legal action is taken only where there’s a strong likelihood of success.

Yes, we are fully regulated by the Financial Conduct Authority (FCA) and a proud member of the Credit Services Association (CSA). All relevant certifications, regulatory information, and insurance documents are available for download directly from our website for your peace of mind.

Yes, we offer Weekly Business Reviews (WBRs), Monthly Business Reviews (MBRs), and Quarterly Business Reviews (QBRs) depending on the volume and complexity of the work. These meetings are typically held via Microsoft Teams, but we’re happy to accommodate your preferred format.

Absolutely. Every partner is assigned a dedicated Account Manager, serving as your single point of contact across sales and operations. Your Account Manager ensures consistent communication, fast response times, and proactive support to keep your portfolio on track and performing.

We offer customisable reporting, designed around your preferences and operational needs. Most of our clients utilise Power BI dashboards for real-time insights and performance tracking, but we’re flexible in terms of frequency and format – whether it’s daily, weekly, or monthly updates, we’ll adapt to suit your workflow.

Both. We have dedicated ring-fenced teams for handling consumer and commercial debt, ensuring that each portfolio is managed by specialists with the appropriate experience, tools, and regulatory knowledge. This allows us to apply the most effective strategies tailored to the nature of each debt type.

Yes, all data handling at UKS is fully GDPR compliant. We encourage clients to use Secure FTP (SFTP) protocols for data submissions, ensuring maximum security. Where SFTP isn’t available, we accept password-encrypted files via email, always adhering to strict internal data security and compliance protocols to safeguard client and customer information.

No, we do not charge any sign-up fees, nor do we require clients to enter into restrictive long-term contracts. We work under a Service Level Agreement (SLA) that outlines expectations and deliverables but allows you full flexibility. We believe in earning your business through performance, not paperwork.

At UK Search Limited, our unique selling point lies in our adaptable, data-driven approach to debt recovery. We’re not a one-size-fits-all agency; we tailor our services to each client’s exact needs, managing the full lifecycle of debt resolution from initial data cleansing and tracing through to collections and litigation. Whether you need support with a single stage or a complete end-to-end service, UKS offers a flexible, responsive, and results-focused partnership.

Our fee structure is typically performance-based. For most tracing and collection activities, we operate on a ‘no trace, no fee’ or ‘no collect, no fee’ model, meaning you only pay for successful outcomes.