Hello everyone. Im hoping someone might be able to point me in the right direction as I am panicking and Losing sleep over the below. This is really affecting my work and my personal relationships and I really don't know what to do. To summerise, on the 4th July, I received a letter from IND (Dated 17th June) titled LAST LETTER BEFORE LEGAL PROCEEDINGS. This was the first letter I have ever received from them. The letter stated that I have an outstanding debt with Welcome Finance of £3845 and I have until the 1st July to respond before they refer this to court. It would appear that they sent the letter after the deadline date. I sent an email to Welcome and IND on the 4th to ask for more information on this debt but didn't get a response to either. I then sent a CCA letter to IND on 8th July and then, as advised, I sent a Prove it letter to IND on 11th July. On Friday I came home to a claim form from Northampton County Court for a total amount of £5010. I have never received anything in the form of statements or a breakdown of the debt. Just a letter with the above amount from IND. I had a loan with Welcome many years ago. I couldn't even tell you when I last made a payment or how much the loan was for. I do know that there was PPI involved though. I'm positive about that. I looked back over my credit file and there is nothing on there about Welcome Finance now but I have an archived Credit report that shows the debt with them as settled in 2007. This was removed from my credit file in December 2012 as it was older that 6 years. I don't expect help with this but any advice would be very much appreciated. Thank you in advance.