Who does UK Search Limited Collect For and Should You Pay?

Whether you know you owe money or not, getting a letter from a debt collector just makes matters worse. You could be asking, who do UK Search Limited collect for and should you pay just to get them off your back?

Knowing what to do can be confusing which is why I’ve put together this post on how to deal with UK Search Limited when they reach out to you!

Do you have to pay UK Search Limited?

You might not have to pay UK Search Limited.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

But first, who is UK Search Limited?

UK Search Limited is among the many debt collection companies that operate in the UK. The business also goes by the name UKSL and its core business involves tracking debtors down for other companies.

According to the many online reviews UKSL has received, their tactics often involve harassment and an aggressive approach to recovering debts.

Is UKSL a legitimate business?

Yes. Although many people assume letters from UKSL are a scam because they don’t recognise the name. That said, the debt collection agency is a legitimate business and is regulated by the Financial Conduct Authority (FCA).

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

Get Started

Who uses UK Search Limited?

Several companies use UK Search Limited to recover unpaid invoices and debts. The debt collector’s client base includes clients from various industries which include:

• Retail
• Financial services
• Utility providers
• Telecommunications
• Payday loan providers
• Insurance providers
• Housing associations
• Local authorities

How does UK Search Limited contact you?

UK Search Limited may contact you by phone, letter or text about an outstanding debt. That said, their approach is often threatening which sends people into a panic to pay.

Their usual tactic is to send out notices threatening legal action if you don’t pay up. You’d get a Letter Before Action (LBA) before UKSL can start court proceedings.

Take a look at what happened to one person below:

Source: Moneysavingexpert

Debt collection agencies are not supposed to threaten legal action unless they intend to follow through on their threats. But whether UKSL takes you to court or not is debatable.

Threatening legal action is, however, a tactic used to get you to pay!

Why is UK Search Limited contacting you?

Chances are a company you allegedly owe money to has instructed UKSL to chase you for payment. Maybe you’ve got an outstanding payment on a credit card, or phone bill.

Don’t be intimidated by UKSL correspondence no matter what the debt collector is chasing you for. Make sure you know your rights first. Moreover, make sure the debt is actually yours!

What should you do when UKSL contacts you?

First, don’t ignore any UKSL correspondence or communications. Even when you know they are wrong about any money you owe! Also, mistakes happen and the debt collection agency could be chasing the wrong person.

It happens more than you may realise.

Moreover, ignoring UKSL could mean you’re missing out on a more positive outcome. For example, not only might you find out the debt isn’t yours, but also that it’s statute barred!

So, with this in mind, contact UKSL by writing them a letter and sending it via registered post. Ask UKSL for the following:

• To prove the debt is yours which they must do. Don’t accept their word for it. The proof must be an authenticated copy of an agreement or other document you signed
• To only contact you at specific times and in specific ways. For instance, to only contact you by letter, or to call you at a certain time of the day. Debt collectors must respect your wishes and if they don’t, it’d be harassment!

Debt collection agencies in the UK must allow you enough time to assess your situation and seek debt advice if needed. If they don’t, you could file a complaint with the Financial Ombudsman Services. However, you must first lodge a complaint with the UKSL head office!

Do you have to pay UK Search Limited?

No. Not straight away. First, make sure the debt is yours by asking UKSL to prove it! You may not have to pay when a debt collector can’t provide authenticated proof you owe the money.

Also, the debt may be statute barred which means it’s at least six years old. If so, UKSL can’t make you pay, take you to court, and a CCJ can’t be issued against you!

That said, the debt doesn’t just go away and could affect your credit rating.

For a debt to be statute barred, it must meet specific criteria which are:

• You didn’t admit liability for the debt
• You haven’t paid any money towards the debt in the last 6 years
• A creditor hasn’t taken you to court to recover the debt

What happens when UKSL proves the debt is yours?

You may have to pay if UKSL proves the debt is yours and it’s not statute-barred. That said, it’s a good idea to seek advice before you fork any money over. You should contact one of the debt charities for free, impartial advice first.

Like this, you could stand a better chance of getting a fair and affordable repayment plan to pay off the money owed. Don’t sign, admit or pay anything to UKSL until you’ve reached out to an adviser!

How do you contact UK Search Limited?

I’ve listed UK Search Limited’s contact details here:

What debt help is there?

You should contact one of the debt charities if you’re struggling to pay UK Search Limited and need some free, impartial advice. I’ve listed three of the major debt charities below:

• National Debtline
• Citizens Advice
• StepChange

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Lastly, who does UK Search Limited Collect for and should you pay?

UK Search Limited has a varied client base which means they could be chasing you for an unpaid utility debt, or a credit card debt. No matter what the debt, the first thing you should ask UKSL is to ‘prove’ the debt is yours.

Next, find out if the debt is statute-barred because if it is, you may not have to pay!

Only fork over any money to UKSL when they’ve proved you owe the money and seek advice from a debt charity if you’re concerned about anything. The one thing to avoid is ignoring correspondence from debt collection agencies.

Not only could you be missing out on things, but it could end up costing you a lot more!

Thanks for reading my post. I hope the information helps you deal with the problem so the outcome is positive. You should never ignore their letters no matter who UK Search Limited collects for.