Do I have to pay Indigo Michael Ltd Debt?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Are you worried about dealing with Indigo Michael Ltd debt? This can be a tough situation, but you’re not on your own. Every month, more than 12,000 people visit this site for advice on debt matters.
This article is here to help you understand and deal with your situation better. We’ll talk about:
- Who Indigo Michael Ltd is, and why they may be in touch with you
- If Indigo Michael Ltd is a real company
- How you can possibly make your payments smaller
- Who Indigo Michael Ltd collects money for
- Your rights when dealing with debt collectors
We know that dealing with debt collectors can be scary; some of us have been there too. We’re here to help you learn how to handle them.
Let’s get started!
Do you have to pay Indigo Michael?
When you genuinely owe money to Indigo Michael, you may have to pay the outstanding. That said, you should negotiate a good repayment plan with the company.
If you’re confused or unsure what to do, seek advice from an independent debt charity first.
But you may find the amount outstanding could be statute barred which means it’s over six years old. Therefore, the debt can’t be enforced and a court won’t levy a CCJ against you!
Also, you may have paid the money owed or you’re convinced you don’t owe anything. If so, ask Indigo Michael to ‘prove’ the debt is yours! Send the letter to the company by registered post. Plus, keep a copy for your records.
What laws does Indigo Michael Ltd have to follow?
There are laws that Indigo Michael Ltd must follow when they contact you over missing or outstanding payments.
I’ve listed them here so you know your rights, so Indigo Michael can’t:
- Threaten or harass you in any way when a representative contacts you
- Discuss the matter with third parties which breach your data protection rights
- Use lots of jargon to confuse you and to infer their documents were issued by the courts
- Coerce you in any way to pay a representative straight away without seeking debt advice and assessing your options
If you feel Indigo Michael has used unethical or unlawful tactics when they contacted you, lodge a complaint with the company. Then file a complaint with the Financial Ombudsman Service (FOS).
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
| Monthly income | £2,504 |
| Monthly expenses | £2,345 |
| Total debt | £32,049 |
Monthly debt repayments
| Before | £587 |
| After | £158 |
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
Can Indigo Michael Ltd visit you at home?
Yes. Indigo Michael could visit you at home when you ignore any correspondence from them over outstanding payments. The same is true if you don’t agree to a proposed repayment plan.
That said, a representative from the company doesn’t have the power to:
- Enter your home
- Seize your possessions
However, if the case has gone to court and an order issued against you, bailiffs could pay you a visit. In this instance, you may have to deal with:
- Being contacted by post, email, phone or in person
- Having penalty charges and interest added to the outstanding amount
- Dealing with a default notice being registered on your credit history
- Coping with a CCJ on your credit record
- Dealing with a petition of bankruptcy if the money owed is over £5,000
» TAKE ACTION NOW: Fill out the short debt form
How do you contact Indigo Michael Ltd?
I’ve listed how to contact Indigo Michael Ltd here:
| By email: | [email protected] |
| By phone: | 0800 1808559 |
| Address | Windsor Court, Kingsmead Business Park, Frederick Place, High Wycombe, Buckinghamshire, HP11 1JU |
