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What are pre-sue reports?

Thursday, 4th August 2022 13:07

A pre-sue report, also known as a pre-litigation report, is a good step to take before suing a debtor.

What are pre-sue reports?

A pre-sue report, also known as a pre-litigation report, is a good step to take before suing a debtor. Our clients often require a pre-sue report to gain specific information on a subject’s financial situation and credit worthiness, which gives them a comprehensive assessment to enable them to make informed decisions. Obtaining a pre-sue report will determine if litigation would bring about a positive outcome. If you want to sue an individual or a business, you need to make sure they have enough money to pay you what they owe you. Each of our standard reports will allow you to clarify the overall financial standing and know whether legal proceedings are likely to be successful.

Getting a pre-sue report is the best first step to take when recovering a debt and are carried out before any legal action is taken against a debtor.

What information does a pre-sue report contain?

A pre-sue report can include information such as:

  • Name
  • Date of birth
  • Voter’s roll
  • Property ownership and value
  • County court judgements and payment defaults
  • Employment status
  • Demographic address profile
  • Bankruptcy search
  • Company directorship information

A report can also find out if a debtor(s) is subject to bankruptcy, insolvency, or have any County Court Judgments (CCJs) in their name. If any of these are the case, you might want to reconsider pursuing legal action.

Uncovering this information reveals as much about a debtor as possible to help you decide if a person or business is worth suing. At dataTrace uk, we provide tailor made reports that give you only the information you want to have. In all of our pre-litigation reports, we adhere strictly to the Human Rights Act, GDPR, and the Data Protection Act.

How a pre-sue report helps recover debt

Having a pre-sue report in court is great evidence that is likely to help your case. If you can prove your debtor has the ability to pay you, it is likely that they will be required to do so.

If, for example, you are a small business who is owed by a client who blocks your calls, your pre-litigation report would tell you that they are still working and have the means to pay you. You now know that you are in a good position to recover your debts through civil action.

On the other hand, a pre-sue report would also let you know if you are unlikely to get the money back at that time. While disappointing, this would save you from incurring legal fees for little results.

Benefits of a pre-sue report

There are several benefits of using a pre-sue report for the recovery of debt. Having detailed and comprehensive information about the individual or company gives you a clear picture of the viability of entering into any business relationship with them. You need only to purchase a report and not waste any more valuable time on this. The report is generally received within 7 business days after which you can make an informed decision. 

Purchasing a pre-sue report from an agency like dataTrace uk demonstrates that you are applying due diligence and working with experts with unique access to large databases and data which enables us to fully evaluate your potential debtor. We have years of experience in investigating will ensure that you get a thoroughly vetted and accurate report. 

With our team of professionals working on your behalf, all you have to do is tell us what you want to find out. We’ll do the rest. For further details of how we can help please contact one of our team.

For more information on how we may be able to help you, please contact us today.

About Us

dataTrace uk was founded in 1991 and provides comprehensive tracing and information services. In early 2022, dataTrace uk joined The Broadriver Group, encompassing Controlaccount, identeco Business Support Toolkit, Sinclair Taylor, and identecoHR.


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