How to Deal With Indigo Michael Ltd Debt Collection

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

What Are Your Rights While Dealing With Indigo Michael Ltd Debt Collection?

Founded in 2011, is an online creditor under the website SafetyNet. Through SafetyNet, you can borrow up to £500 and re-borrow the amount after paying off the first debt. There are many financial reasons why you may need to take out a loan, and sometimes repaying can be challenging.

Indigo Michael Ltd provides accessible funds, but they can automatically deduct your loan balance directly from your bank account. In 2019, the company took an open banking approach, meaning SafetyNet can access your bank transactions data with your consent.

This setup can inconvenience you, especially if you are facing some financial hurdles and Indigo Michael Ltd is constantly demanding their loan repayment. Use DoNotPay to get rid of your debt and boost your credit score.

There are many other debt collection companies that resort to badgering through endless emails and relentless calls. At DoNotPay, we work with other companies to make your debt journey more bearable.

Some of the companies we work with include:

Read further to learn more about your rights as a debtor and how DoNotPay can empower you in dealing with collection agencies.

Who Is 08001808559 and Why Are They Calling Me?

Calls from 08001808559 are from debt collection, an online credit company that grants loan requests and collects debt through SafetyNet. If you have missed payments or have an outstanding debt with Indigo Michael, you should expect to receive calls or emails.

Some of the reasons why Indigo Michael Ltd is trying to contact you include:

  1. Prior notice before making an automatic repayment from your bank
  2. Unsuccessful request for automatic repayment
  3. Failure to pay the loan after the given repayment date

Indigo Michael Ltd will make multiple attempts to call you and this can easily irritate and annoy anyone, especially if you have other tasks at hand. If you do not pay the money you owe, Indigo Michael Ltd has the right to take you to court and sue you. The court will give an order directing you to pay the loan.

So, if Indigo Michael Ltd contacts you, either through emails or phone calls, respond to them as soon as possible. In some instances, the debt may not be yours, but failure to make contact with Indigo Michael Ltd can adversely affect your credit score, and you may even be sued.

Indigo Michael Ltd Contact Details

If you want to reach out to Indigo Michael Ltd, use any of the contact information from the table below.

Type of contactContact information
Headquarters addressWindsor Court, Kingsmead Business Park, Frederick Place, High Wycombe, Buckinghamshire, HP11 1JU
Mailing addressSafetyNet

PO Box 1515

High Wycombe

HP11 9JE

Phone numbers0800180 8559

0800 180 8400

0808 169 4911


Company house number07721420

How to Make a Payment to Indigo Michael Ltd

When requesting a loan from Indigo Michael Ltd, you have to first open an account with SafetyNet. Log in to your account, and on the dashboard, you can access your monthly minimum repayment, or you can check your monthly statement sent to you via email.

There are two ways to make payments to Indigo Michael Ltd. These include:

1. Online Repayments

You can repay your loan online through your SafetyNet dashboard. During registration, SafetyNet recommends you link the credit platform with your bank account to receive personalized loans according to your bank finances.

Automatic repayment happens when your bank account has an increase of £50. An automatic refund is possible because, since 2019, Indigo Michael Ltd has taken an open banking approach, meaning they can access your bank transaction data when you agree to the terms and conditions.

2. Phone Repayments

You can manually repay your loan by calling 0808 169 4911. Failure to make payment during the minimum repayment period means your SafetyNet account will be in arrears, affecting your credit score.

What Happens if I Don't Pay My Debt to Indigo Michael Ltd?

If you borrowed money from Indigo Michael Ltd through their website SafetyNet, you are expected to pay the loan within six months. Failure to pay, you will result in endless persistent calls and emails pressuring you to pay.

You will only receive calls and emails during your early stages of loan repayment. However, if you refuse to arrange a form of payment or ignore Indigo's attempts to reach you, Indigo Michael Ltd can make a house visit one year after your loan repayment period has commenced.

Before Indigo Michael Ltd visits you at your home, they will provide you with a seven-day notice. While at your house, they do not have the legal power to enter your home and take your possessions in the form of payments.

Due to legal restrictions, Indigo Michael Ltd can resort to the following acts below:

  • Send letters to you, even to addresses you didn't provide
  • Issue you with a county court judgment demanding payment
  • Apply for penalty charges and interest to the money you owe
  • Register default against your credit file
  • Petition you for bankruptcy if your debt is more than £5000

Has Indigo Michael Violated My Rights?

Lending laws have significantly changed over the years and mostly protect borrowers from racking huge debts. For example, according to Limitation Act 1980, if your creditor does not contact you within six years and you have not made any payment, your debt can be statute-barred, meaning it can be written off. Indigo Michael is regulated by the Financial Conduct Authority( FCA), making the credit company abide by certain laws.

They are not allowed to:

  1. Confuse you by using fake court documents filled with legal jargon
  2. Intimidate you by sending people to threaten you
  3. Talk to others about your debt as data protection laws forbid sharing of customer information with third parties
  4. Harass you by calling you during unsociable hours or making forceful home visits

Get Indigo Michael Debt Help With DoNotPay

DoNotPay can help in figuring out if the debt collection is compliant with debt collection laws. We will walk you through a series of quick questions to help you determine the best course of action.

For example, if you want to contact the debt collectors, we shall draft a demand letter on your behalf. On the other hand, if you decide to take the debt collection agency to a governing body, we'll file the complaint on your behalf.

Use the following easy steps by DoNotPay:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

After choosing your desired course of action, DoNotPay will handle the rest. We'll directly deliver your request to your debt collectors through first-class mail or file your complaint automatically with the relevant trade association or ombudsman.

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