I don't usually respond on these forums, but decided it was a good idea to on this occasion. Yes, Welcome are still trading, only to recover debts and existing payments. I have had dealings with IND who would have sent the initial letters re the court action. I have found they will contact welcome if you have a querry with anything, although they are very very slow. Welcome sent me a letter yesterday which clearly shows the reference as IND phase IV Litigation. I am guessing they are doing all they can to recover as much as possible to cover the ppi claims being handled by the FSA. My PPI claim with them went to the FSA, but was sent to an address in Northhampton from which Welcome still seem to be trading. I would also suggest checking your credit file, as in my case they re-registered a default and got everything ass backwards and tried to put it as new. My debt would have and should still be statute barred in few months, but with IND behind the scene I am just waiting for county court papers.