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  1. 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
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