CCJ Payment to IND Ltd

Good afternoon all

Quite some years ago now I defaulted on an MBNA credit card, the debt was passed to a debt collection agency and a CCJ was issued to me. I attended court and agreed to pay £100 per month. Although I cannot recall whom the original Debt Management Company was it is now collected monthly by IND. Although the CCJ no longer shows on my credit score I am now in a position to pay off this debt however I seem not to be able to find anything other than some basic links to contact IND. The number listed on Google appears to no longer exist and they have no website that I can find. I have moved house since this was set up and also am in the process of changing bank accounts and need to update them of all this if nothing else. 

Does anyone have any experience of IND and how to get in touch with them?

Thanks

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  • kaMelo
    kaMelo Posts: 2,290
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    Jon_g1970 said:
    Good afternoon all

    Quite some years ago now I defaulted on an MBNA credit card, the debt was passed to a debt collection agency and a CCJ was issued to me. I attended court and agreed to pay £100 per month. Although I cannot recall whom the original Debt Management Company was it is now collected monthly by IND. Although the CCJ no longer shows on my credit score I am now in a position to pay off this debt however I seem not to be able to find anything other than some basic links to contact IND. The number listed on Google appears to no longer exist and they have no website that I can find. I have moved house since this was set up and also am in the process of changing bank accounts and need to update them of all this if nothing else. 

    Does anyone have any experience of IND and how to get in touch with them?

    Thanks

    Is this them?
    http://www.creditordetails.com/creditor/2702/IND-Ltd
  • sourcrates
    sourcrates Posts: 28,543
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    edited 18 August 2021 at 5:19PM
    They don`t appear on the FCA register, not under that name anyways, so IND LTD are not registered with the FCA for debt collection purposes, interesting.

    If the debt no longer appears on your credit file, and the judgement has long since been removed from the public information section of your file, that implies more than 6 years have passed since judgement was granted, so no matter what you do, no further information regarding this debt can be recorded on your file.

    That being the case, usually if you stop paying, they will write to you asking why, however, if they don`t have an up to date address for you, that`s not going to work either.

    Its very likely they are trading under another name, but after a quick search, I can`t find anything much either, except the info linked to above.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • ItsComingRome
    ItsComingRome Posts: 505
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    edited 18 August 2021 at 5:36PM
    They don`t appear on the FCA register, not under that name anyways, so IND LTD are not registered with the FCA for debt collection purposes, interesting.

    If the debt no longer appears on your credit file, and the judgement has long since been removed from the public information section of your file, that implies more than 6 years have passed since judgement was granted, so no matter what you do, no further information regarding this debt can be recorded on your file.

    That being the case, usually if you stop paying, they will write to you asking why, however, if they don`t have an up to date address for you, that`s not going to work either.

    Its very likely they are trading under another name, but after a quick search, I can`t find anything much either, except the info linked to above.
    Suspect it's this lot.

    https://register.fca.org.uk/s/firm?id=001b000001EhdTRAAZ

    Address shows as "c/o Intrum UK" and Website: www.intrum.com
  • sourcrates
    sourcrates Posts: 28,543
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    Gets better and better "no longer authorised" hmmm.

    Intrum, were 1st Credit, but after an abysmal customer service record, and numerous complaints, were subject to an FCA crackdown a few years ago, which necessitated a root and branch re-boot of the company, under a new name.

    IND I have not heard of before, OP I would be wary paying these guys as they are not authorised to take your payments.

    Maybe contact intrum, hopefully their customer service skills have now improved somewhat.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Gets better and better "no longer authorised" hmmm.

    Intrum, were 1st Credit, but after an abysmal customer service record, and numerous complaints, were subject to an FCA crackdown a few years ago, which necessitated a root and branch re-boot of the company, under a new name.

    IND I have not heard of before, OP I would be wary paying these guys as they are not authorised to take your payments.

    Maybe contact intrum, hopefully their customer service skills have now improved somewhat.
    Intrum will have absorbed them, along with any bank accounts used to collect payments.  IND won't be the ones collecting the debt.
  • Thanks everyone, it is indeed now Intrum that are managing the outstanding debt, I believe on behalf of yet another company whom must have acquired it from IND. I have spoken with them and I am pleased to say that their customer services were pretty good so far.... I have made them an offer to settle the outstanding amount and they have passed it on to the relevant company to see if they accept it. 

    Thanks to all of you that took the time to reply and comment. 
  • Jon_g1970 said:
    Thanks everyone, it is indeed now Intrum that are managing the outstanding debt, I believe on behalf of yet another company whom must have acquired it from IND. I have spoken with them and I am pleased to say that their customer services were pretty good so far.... I have made them an offer to settle the outstanding amount and they have passed it on to the relevant company to see if they accept it. 

    Thanks to all of you that took the time to reply and comment. 
    Equus Financial Limited by any chance?
  • Jon_g1970 said:
    Thanks everyone, it is indeed now Intrum that are managing the outstanding debt, I believe on behalf of yet another company whom must have acquired it from IND. I have spoken with them and I am pleased to say that their customer services were pretty good so far.... I have made them an offer to settle the outstanding amount and they have passed it on to the relevant company to see if they accept it. 

    Thanks to all of you that took the time to reply and comment. 
    Equus Financial Limited by any chance?
    No... I can't recall now but I think it began with N!
  • Hi all sorry for bumping an old thread but I am in a similar situation with IND and was wondering what to do.

    I had a CCJ that I reached a weekly agreement with what was intrum at the time in 2019 then they said IND was taking over the repayments so everything was and still is being paid as normal and I still got my annual statement from them.

    But if the company has been liquidated are they still eligible to take payments from me? is the debt still being payed or could this be picked up by someone else.

    Sorry for the questions but greatfull for any help.
  • As long as you're still making payments, it's fine.  If the debt is passed on, so will your payments be.
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