Hi, maybe I'm a bit thick (wife nodding in agreement), but I've tried searching for IND and drawn a blank. I know there are several threads about them (even contributed in a couple). So, any reason why these threads have gone? Is it that I am doing something wrong or have they been removed for a reason?

Hi all, I'm new to CAG, and have been really impressed with the useful information on the threads read so far! I was hoping someone might be able to offer some advise with a court claim I received today, (trying not to panic!). The claimant is Robinson way (Hegarty LLP solicitors) for an HSBC overdraft (less than 2k) from back in 2007 (default date April 07). I got letters from RW over the last few years but haven't responded to any of their demands for payment because the overdraft itself was made up of so many penalty charges I really didn't think this was fair, I can't remember exactly how much. I've moved address a few times so not sure whether they have sent an NoA at any point, I haven't ever seen it. Around mid-June I received a final letter before action from IND which had pretty much no information about the debt apart from a account statement that looks like something they have put together themselves, I think they are making this out to be a NoA but I'm not sure (I've attached this but deleted some personal details)? The particulars of the claim state that the NoA was provided to the defendant which I'm guessing is the IND letter before action? It doesn't reference anything else. I was planning to defend the claim and send a CPR 31.14 request to Robinson Way/Hegarty LLP. I'm not sure whether this is the right thing to do? Should I also send a SAR to HSBC? If someone would be able to advise I would be really grateful. I've attached the claim form for reference (with personal details deleted alond with a couple of pages of the letter before action. Thanks so much

Hi all 1st post so hope its in right place, just recieved court proceddings re ind who until today i have never heard of, phoned their solicitior and he said to just fill in court forms and send them back WHAT DO I DO NEXT? CHEERS

Hi all, I' new here but I was wondering if anyone could help me with an old welcome finance debt? In november 2007 due to being made redundant I missed a payment to welcome finance. The loan was for a car and who we spoke to on the phone said I needed to make payments or they would take the car. I struggled but was unable to keep up with the payments and told them on several occasions, both over the phone and in writing that due to financial hardship they would have to take the car. I didn't hear from them again and the car has been sat in a garage for the last 5 years as I didn't know if they'd come and take it at any time, so we bought a cheapie run around and sorned the WF car. Three weeks ago, after our car blew up beyond repair and not having enough funds to buy a replacement car I taxed and tested the stood up car, as I need to get to and from work, have kids that need running around etc. Last week I recieved a letter from IND: Dear Mr XXXXXXX Welcome Financial Services Ltd Account Number XXXXXXXXXX outstanding balance of £XXXXX Please find attached a statement of your account with Welcome Financial Services Ltd. This amount is now seriously overdue and you should pay the amount immediately. Call us immediately to settle the account. Yours faithfully (illegible squiggle) IND LTD On the back of this letter is headed Account Statement with the original creditor, reference number (different to the one on the other side?) Default date and outstanding amount. Another sheet of paper was included with this one: LAST LETTER BEFORE LEGAL PROCEEDINGS. Welcome Financial Services has appointed IND Ltd to collect the full outstanding balance owed by you relating to the account(s) detailed above. To discharge the outstanding balance, you should make a payment of £XXX direct to IND Ltd now. You should not make any payment to Welcome Financial Services Ltd, as it will take significantly longer to process any such payment. It then tells me I can call and pay over the phone, send them a cheque etc In the event that £XXXX is not recieved by us in cleared funds by 04/06/2012 legal proceedings to recover the amount due will be commenced against you without further notice. It then outlines they'll also be recovering court costs, solicitors fees, interest etc. It goes on to say that I've been sent a series of letters and this is the last one they'll be sending-they haven't. Why is this company dealing with it and not welcome? This morning the postie brought me court papers for Northampton county court. It's got Welcome listed as the claimant, not IND, and another company listed to send documents and payments? The company listed to send documents etc to is also the name printed as the claimant at the bottom. I don't know what to do, can anyone help please?