UKSL debt collectors (UK Search Limited): who they are and what to do

Company

UK Search Limited (UKSL)

Type

Debt collection agency

Based

Chesterfield, Derbyshire

Check

Confirm authorisation on the FCA register

Who are UK Search Limited?

UK Search Limited, known as UKSL, is a debt collection agency with a registered office at Barlborough, near Chesterfield in Derbyshire. It describes itself as a niche debt collection agency run by people with experience in the industry. It collects for other organisations, so it is not the creditor.

Are UK Search Limited legitimate?

We have not confirmed UKSL’s regulatory status for this guide, so please check the FCA register to see whether it is authorised for consumer credit activity before you deal with it. You can also confirm the company on Companies House and the Information Commissioner’s register.

Do not use links or numbers in an unexpected message. Contact UKSL using the address and details on a letter you trust or its official website at uksearchlimited.com.

Why are they contacting me?

UKSL contacts you because a client has placed an account with it that it believes is unpaid, or because it is trying to trace a person who has moved. If the letter is for someone who does not live at your address, tell it in writing.

The letter should say who you owe, the amount and an account reference. If it does not, ask for these before discussing the debt.

What can UK Search Limited do?

UK Search Limited is a debt collection firm, and a debt collector has no special legal powers of its own. It can write, phone, text and email you, and may offer a payment plan, but it must not mislead you, harass you or threaten action it cannot take.

• Court action: if you do not engage and the debt is genuine, the creditor or collector can start a county court claim. Never ignore court papers: a judgment can follow, which harms your credit record and lets the creditor enforce it.
• Bailiffs: for most ordinary debts, bailiffs can only be instructed after a court judgment. You do not have to let anyone in.
• Prison: you cannot be sent to prison for owing money to a debt collector.

Before you pay anything

• Ask for a letter showing the original creditor, the account number, the amount and how the balance is made up.
• Do not confirm personal details or read out card numbers on an unexpected call. Ring back using the number on a letter or the official website.
• Check your credit reports to see whether the account appears.
• Be careful with old debts. In England and Wales a debt can become unenforceable in court after six years (five in Scotland), but paying or admitting it can restart the clock. Get advice first.

How to deal with UK Search Limited

1. Open every letter and keep copies. Ignoring contact tends to make things worse.
2. Check the debt is yours and the amount is right.
3. If it is yours and you can afford regular payments, work out a budget first, then offer an amount you can keep to and get the agreement in writing.
4. If you cannot afford to pay, do not agree to a plan you cannot keep. Get free advice first.

Free advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice.

If you cannot afford to pay

• A debt management plan for steady income.
• An IVA for larger debts.
• A debt relief order or bankruptcy where income and assets are low or debts cannot be repaid.
• Breathing Space gives 60 days of protection while you get advice.

How to complain about UK Search Limited

Complain to UKSL first, in writing, and keep copies. If you are not satisfied, or it has not responded within eight weeks, ask whether the Financial Ombudsman Service can look at your case, which depends on the firm’s authorisation. You can also contact the creditor named on the letter, which can pause or recall the account.

UK Search Limited contact details

We are not associated with UK Search Limited. This information is provided to help people contact their creditors. Contact details change, so check the company’s website before you write or call. Last reviewed 11 November 2026.

Frequently asked questions