Financial Asset & Liability Searches

Working with Estatesearch

What we do

Find all of the deceased's assets and liabilities in one easy step

One of your duties when administering an estate is to locate all of the deceased’s assets, which may include known, unclaimed, dormant, or lost assets.

Estate administration has become increasingly complex. The rise of online banking, paperless billing, a growing range of ‘DIY’ methods, and poor instructions left behind by the deceased are reasons why it can get complicated.

You need to be confident that you’re aware of the full extent of the estate. This can be incredibly time-consuming and usually includes contacting financial institutions to gather information on the deceased’s assets. It can be difficult to know where to start.

That’s why Title Research has teamed up with Estatesearch to offer Financial Asset & Liability Searches for just £210 (+VAT).

Search over 150 financial institutions across 450 databases.

The search will provide you with comprehensive and robust information about the deceased’s assets. This supports your due diligence processes and helps you to build a better understanding of the full extent of the estate.

Why choose Title Research

We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.

70% of clients using the search say that it has helped them to identify assets they would have otherwise been unaware of.

The search includes:

Asset search

An active search of over 150 banks, building societies, share registrars, pension providers, and insurers to help identify live, online, lost, and dormant accounts.

Liability search

An electronic check of Experian data sourced from 600+ organisations is delivered within 24 hours.

Identity trace

Confirms current details and searches for previous names and addresses against multiple databases.

Share search

Provides a robust search of shareholdings administered by Equiniti, Computershare, and Link.

Vulnerability registration

Prevents potential fraud and financial abuse against the estate.

Mitigate the risk of missed debts or liabilities

A credits and liabilities search is also included to help identify estate accounts, mitigate against the risk of debts or liabilities, and assess potential insolvency before you apply for the Grant of Probate.

The search is quick, concise, and easy to understand. The report will include information on:

Open and closed current accounts and credit cards
Hire purchases and personal contract purchases (PCP)
Mortgage and equity release loans, personal and secured loans, and payday loans
Utility accounts
Previous names, aliases, and addresses
Financially connected persons
Bankruptcy, County Court Judgements (CCJs), and Individual Voluntary Arrangements (IVAs)

Why conduct a search?

Provides peace of mind

Should an account or policy be missed and subsequently found, you may be unable to charge for the extra work required in reopening the case and distributing as necessary.

If an additional asset is subsequently discovered and a Financial Asset Search has been completed with us, you’ll be able to demonstrate that efforts were undertaken to locate the assets, mitigating against risk and the potential cost of reopening and readministering a matter.

Reduce your administration time

It takes a lot of time and effort to write to all relevant financial institutions. The search, powered by Estatesearch, contacts the financial institutions on the Executor's behalf. It requests a full search of their databases for any accounts, whether they may be active, dormant, or lost. This service is provided for a fixed fee of £210 (+VAT).

The number of unclaimed assets is increasing year-on-year, and it is predicted that UK financial institutions hold over £200 billion in dormant accounts.

It's incredibly easy for an individual to forget about or lose track of an account or policy. Many factors make keeping on top of assets challenging, including job changes and companies that grow, merge, change their names, and cease trading. That's why it's crucial to search for assets and ensure all are accounted for in the estate administration process.

What we need

Pay per search for only £210 (+VAT)

To conduct a search, you simply need to upload all of the relevant data about the deceased, such as their name, previous addresses, date of birth, and date of death, along with the death certificate and a letter of authority. This information will then be used to conduct a detailed search of over 150 financial institutions. The institutions will receive the client profile information and respond with any matches.

You can log in to your secure account on the online portal to check matches 24/7. Each report shows all institutions that have responded, along with details to help with the claiming process. The online report is available from day one of a search and is a map of the estate's financial history.

Click the button below to register for free. Once you've registered, confirm your identity, and you can then start your search directly from your account.