If you are making any kind of money claim, you need to know that the person or company you are suing (known as the 'defendant'):

• is not in any financial trouble, for example, facing insolvency,
• has enough assets to pay you themselves, or
• is insured and the insurers will cover the cost of the claim, 

This is important, because otherwise you will waste both your time and money. Even if you win your case, there is no one else who can step in and pay you if your opponent does not, unless they are insured.

So, you need to find out if your opponent has money or assets and where those assets are. This will affect your ability to make them obey a court order to pay you - this is known as enforcement.

In England and Wales, you can bring enforcement proceedings through the courts. But if the defendant’s only money or assets are in Scotland or Northern Ireland, it will be a more complicated process. And if their only money or assets are abroad, then you will need to think very carefully about whether it is worth starting proceedings against them, as this is very complicated. For more information, see Civil procedure rule - Part 74 - Enforcement of judgments in different jurisdictions.

If your opponent is bankrupt, there may be little point in suing them, but it is always worth finding out more before making a decision (for example, they may still own a home).

Searches

There are some searches you can do that may help. Some are free, others are charged for.

You can:

• find out who owns a property and whether there are any debts secured on it by searching information from the Land Registry,
• check if a person or company is insolvent (does not have enough money or assets to pay debts) by checking the public notices in the London Gazette,
• check whether someone is bankrupt by searching the bankruptcy and insolvency register
• ask for information about the registered keeper of a vehicle from DVLA
• check if a vehicle is stolen, written off or on finance at HPI Check
• check whether a business or an individual has been fined or had court orders made against them at Trust Online
• find information about a company and their accounts from Companies House
• find information about a registered charity and their accounts from the Charity Commission
• carry out an internet search or check other media to find out useful information about your opponent.

Should I hire an Enquiry Agent?

Lawyers sometimes uses enquiry agents to investigate whether it is worth starting legal proceedings against someone. Enquiry agents can provide a report about someone’s financial status. Typically, this report will give you information about whether they are a homeowner or a tenant, whether they are bankrupt or have court orders against their name and their employment details. You may want to consider this option but check the cost before you go ahead. Some enquiry agents offer this service at a fixed cost - others charge an hourly rate.

You can find an enquiry agent through the Association of British Investigators or the Institute of Professional Investigators.

What if the person I'm suing is an insolvent company?

When dealing with a company, you might be presented with a situation where the company has become insolvent. This could have wide-ranging implications for any claims you might have against that company.

If a company, against whom you believe you have a claim, becomes insolvent, the first thing to do is to identify whether they could or should have been insured for the actions which caused you to suffer loss. If the company was insured, you might be able to bring a claim against their insurer directly. However this is a complicated legal point and you should certainly get legal advice before starting down this route.

If your opponent is insured or has enough assets to pay you if you win, you might want to take the next step in starting a claim. Make sure you have read all of the guides in the Preparing to take someone to court section before you start a claim. 

You might want to try alternative dispute resolution (ADR) for a different approach, perhaps to get an apology or a promise that it won’t happen to anyone else. See Sort out your legal problem before or instead of going to court.

Ultimately, you may decide to do nothing knowing that you have considered your options carefully and this is the best course of action for you.

What happens if I win my case but the defendant can't pay?

If you win but the defendant has no money or assets, the court judgment is difficult to enforce. You may have a legal victory but not receive any money, and you will not get your court fees back.
 

How much does it cost to check if someone has assets?

Many initial checks are free, such as searching the bankruptcy register or Companies House. Other searches, like checking the Land Registry, have a small fee. This guide lists the free and paid options.

Can I find out where someone works?

Finding someone's employment details can be difficult without professional help. Enquiry agents can sometimes find this information, but you will have to pay for this help.

Alternative dispute resolution (ADR) – a term used to mean a range of options for resolving disagreements without going to court. It includes things like mediation, arbitration, and ombudsman.

Assets - money and savings and other valuable items which can be used to pay debts, for example, a house, flat, jewellery, or car.

Bankruptcy – a legal process which ends someone’s liability for debts after a certain period of time, usually a year.

Bringing a claim – starting a court process to bring a legal claim, also called taking someone to court or issuing proceedings.

Civil court – a court, usually a county court, where you can bring a claim for damages (financial compensation) against someone who has wrongly caused you loss, damage or injury.

Defendant -  the person or organisation the case is brought against.

Enforcement proceedings – legal proceedings to try to force someone to obey a court order, for example, to pay you or return something belonging to you.

Enquiry agent – a person or business who can be hired to find someone, or to find out things about someone, for example, if they have assets.

Fast track – a route through the civil justice system that the court can transfer your case to. The fast track is for claims with a value of between £10,000 and £25,000, or personal injury where the personal injury element of the claim is worth over £1,000 but the entire claim is worth under £25,000. (You might also hear about the intermediate track and the multi-track. But those are for claims over £25,000 and are not covered in this guide.)

Housing disrepair case – a type of legal case where you take your landlord to court for failing to repair a problem in your rented property.

Injunctions - an injunction is a court order that requires someone to do or not do something.

Insolvent – when a person or company cannot pay its debts.

Judgment – the court’s decision.

Legal proceedings – taking someone to court. This can also be known as taking legal action, going to court, or litigation.

Litigant in person – a person bringing or defending a claim without a solicitor or barrister.

Money claim – the process of taking someone to court to get a debt repaid or get some other form of financial compensation.

Small claim – these are usually simple claims, up to the value of £10,000.

Suing - if you sue someone you start a court process to bring a legal claim against them. This can also be known as taking legal action, bringing a claim, bringing a civil claim, going to court, starting legal proceedings or litigation. The purpose of taking someone to court in this way is to get the court to make a decision in your favour (called ‘a judgment’) and award you with a remedy, usually money compensation.

Disclaimer

The information in this guide applies to England and Wales only. The law may be different if you live in Scotland or Northern Ireland. 

The law is complicated. We have simplified things in this guide. Please don’t rely on this guide as a complete statement of the law. We recommend you try and get advice from the sources we have suggested.

The cases we refer to are not always real but show a typical situation. We have included them to help you think about how to deal with your own situation.

Acknowledgements 

This guide was produced by Advicenow. We would like to thank everyone who has commented or helped with the guide including editorial teams at Thomson Reuters who kindly reviewed this updated version. 

This guide was updated thanks to funding from the Ministry of Justice.