Indigo Michael Ltd: How to Deal with Them

In this article we tell you how to deal with Indigo Michael Ltd debt collectors. The world of finances is often a tough one to navigate. A wide and varied array of factors can impact your financial health at any time, presenting all kinds of challenges. There are many companies that position themselves as helpful in these challenging times. One such company is Indigo Michael Ltd. They offer short-term loans that are designed to help people stay on top of their finances. However, when things don’t go according to plan, the situation can get even worse. We look at who Indigo Michael Ltd are and what you should do if they contact you about debt.

Who are Indigo Michael Ltd?

Indigo Michael Limited is a creditor who owns the website SafetyNet. They offer customers a revolving line of credit, meaning that a set amount is always available and can be re-borrowed once it’s repaid. SafetyNet allows customers to borrow up to £500, usually to cover monthly costs so you don’t go into your overdraft.

As well as SafetyNet Credit, Indigo Michael Ltd are also known as Account Technologies. They’re a firm that’s registered with the Lending Standards Board and the Financial Conduct Authority (FCA).

Although founded in 2011, since 2019, they have been taking an ‘open banking’ approach to their finance. This government initiative means that Indigo Michael Ltd can access your bank transaction data provided you give them permission.

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Are they a legitimate business?

If you’ve been contacted by Indigo Michael Ltd, you may initially be confused and sceptical of how legitimate they are. The chances are, you don’t recall ever having any dealings with them in the past. However, they are a real company, and they’re bound by the various UK laws, including the standards of the FCA.

The chances are that you’ve had dealings with SafetyNet Credit, and that’s why Indigo Michael Limited is contacting you. The latter is the parent company of SafetyNet, meaning they’re the company that you owe money to. 

If you need the essential information proving that they’re a legitimate company, you can find it below:

  • Address: Windsor Court, Kingsmead Business Park, Frederick Place, High Wycombe, Buckinghamshire, HP11 1JU
  • Email:
  • Phone: 08001808559
  • Companies House Number: 07721420

The Companies House number is particularly important as it shows the Indigo Michael Ltd is a company that’s been registered in the UK. So, if you’ve had a letter from them, you can guarantee it’s real.

In general, SafetyNet, the company that Indigo Michael Ltd own, seems to have quite a positive rating. On Trustpilot, there are many five-star reviews of the service. Again, this goes to show that they’re a real business that has a positive reputation.

You shouldn’t ignore contact from Indigo Michael Limited, even if they’ve sent you a letter in error. They will continue to pursue the outstanding debt, and likely escalate their efforts if you ignore them.

How do Indigo Michael Loans work?

If you owe money to Indigo Michael Ltd, it’s likely that you actually borrowed the amount from SafetyNet. This company works in a very similar way to a payday loans service, although what they actually offer is a revolving line of credit.

Loans of this type work as a ‘safety net’ for your bank account. Essentially, you have an agreed amount of credit that’s connected to your account. SafetyNet securely monitors your balance, giving you money when you need it, and taking it back when you can afford it.

New customers can borrow up to £500 in this manner, while those with a proven record can access up to £1000. You have to give SafetyNet permission to access your account transaction data, and they’ll also run a credit check to see whether you can afford repayments.

Interest rates for SafetyNet are incredibly high, at 0.8% per day, which works out at a representative 68.7% APR. This is right on the legal limit for what lenders can charge customers. However, there is a cap of 40 days of borrowing. It can mean that you borrow £500, after 40 days, you would owe £660.

Some customers complain that funds are taken without their knowledge. However, as part of the agreement of using their service, SafetyNet can take funds from your account when you can afford it.

Why are they contacting you?

If you have an outstanding debt with SafetyNet, it’s likely that you’ll eventually receive contact from Indigo Michael Ltd. Usually, the company will let you know when they are attempting to take payment from your account.

Remember, SafetyNet has access to your bank transactions, so they will know when you have sufficient funds to repay the amount you borrowed plus interest. However, they will also take partial payments when possible. Again, they usually give you notice of at least 48 hours before they attempt to take money.

If they are unsuccessful in taking back the funds you owe from your account, they may reach out to you in different ways. This could be because you have cancelled the debit card that is tied to your repayments or it has expired.

Usually, they’ll start with a phone call or text message. However, if you don’t respond, they may start to send letters and call you more frequently. Like many creditors, all of the information on debts is held on a computer system. So, it’s very unlikely they won’t chase you if you don’t repay your loan.

After a further amount of time without paying back the money you owe, they may start attempting to visit your property. In this instance, they will usually have to give you seven days’ notice of their visit.

What companies does Indigo Michael Ltd collect for?

Indigo Michael Ltd will usually only contact you about debts from SafetyNet. As they are a creditor and not a debt collection agency or bailiff, they’re only interested in their own outstanding payments. So, if you’ve borrowed money from this revolving credit company, you could hear from them.

However, just because they only collect for the one company doesn’t mean they won’t be persistent or even aggressive over it. If anything, they’re going to be more persistent in retrieving the money they’re owed.

Because they’re not a debt collection agency or bailiff, their powers are somewhat restricted. However, that doesn’t mean they won’t be as forceful or intimidating as they can be when trying to collect money from you.

Furthermore, they can also escalate your case to try and reclaim their money. This can include steps such as visiting your home, applying for a county court judgement (CCJ) against you, and calling in the bailiffs to recover your funds.

You’ll often find that the letters issued by these companies follow a standard format. They’ll outline how much you owe, set an arbitrary payment deadline, and threaten further action if you do not pay. However, there are steps you can take to calm the situation, usually by contacting them.

Will Indigo Michael Ltd visit your home?

In the early stages of attempting to collect the debt, it’s unusual for creditors to visit your home. However, if you ignore their correspondence or refuse to arrange a form of payment, they may attempt to visit you.

Usually, they have to give you notice of when they’ll come to your house. And, even if they do show up, they have no legal power to enter your property or take your possessions in the form of repayment. If they were to call in the bailiffs, the situation would be different.

There are certain legal powers they do have, however. They can:

  • Send letters to you, even at addresses you’ve not provided them.
  • Apply interest and penalty charges to the amount you owe.
  • Register a default against your credit file. This can negatively impact your credit score.
  • Issue a CCJ. Again, these can significantly impact your credit rating.
  • If your debt is greater than £5000, they can petition you for bankruptcy.

So, writing to you and arriving at your home may only be the start of the action they take against you. It’s important that you deal with the situation head-on. Ignoring it will only make things difficult.

Do I have to pay them?

We all have to repay our debts in some way or another. If you genuinely owe money to Indigo Michael Ltd or SafetyNet, then you will have to pay back that money somehow. However, this doesn’t necessarily mean that you have to pay them the full amount all at once.

There are, of course, some exceptions to this. If the debt is older than six years, it may be what’s known as status-barred. So, if they’ve not contacted you about it and you’ve not made repayment for six years, it could be written off.

Similarly, if you’ve already paid the money or you don’t think you owe it in the first place, it’s their responsibility to prove it. You can write to them and ask them to prove that the debt is yours. Make sure to send a physical letter, and check out the FCA’s Consumer Credit sourcebook for full details.

In some rare instances, the debt may genuinely not be yours. Someone else who has previously lived at your residence may have incurred it, or someone with a similar name could have borrowed the money. Again, you should contact Indigo Michael Ltd to discuss this matter in full.

What options do I have?

You have several options when it comes to managing your debt. First and foremost, it’s important not to ignore letters or calls from creditors. It will only make matters worse, and it could end up costing you far more than the original debt.

If you have the funds to make a repayment and you’re sure you owe the money, it’s a sensible course of action. However, if funds are short, you may want to reach out to the creditor to arrange a repayment plan. Often, this can be a set monthly amount that slowly pays off your debt.

If your debt is over £5000, you may be able to apply for an individual voluntary arrangement (IVA). This combines all your debts into one and means you can make lower monthly repayments. Usually, this lasts for 60 months, and any outstanding money is written off at the end.

There are also debt management solutions you can look to. Things like consolidation loans and debt arrangement schemes can help you make regular repayments that you can afford. As a last resort, bankruptcy is an option. However, it can have some significant impacts.

See my debt options overview page outlining all your possible debt options and pros and cons of each.

What laws does Indigo Michael Ltd have to follow?

Lending laws have changed significantly over the last few years, mostly to protect consumers from racking up huge debts. Because Indigo Michael are regulated by the FCA, there are certain laws they have to follow.

There are several actions that the company cannot take when dealing with your debt. For example, they cannot:

  • Harass you. Although they can contact you to a ‘reasonable’ level, they cannot do things like call you at unsociable times or force their way into your home. You should be able to set your contact preferences, and Indigo Michael should follow these preferences.
  • Talk to others. Data protection laws mean that creditors cannot talk to neighbours, relatives, colleagues or friends about your debt.
  • Confuse you. They can’t use legal jargon or pretend to have powers they don’t have to try and confuse you. They cannot send you letters that look like official court documents.
  • Threaten you. Indigo Michael Ltd or any similar companies cannot send people to threaten or lie to you.

If you feel like they may have breached any of these rules, there are a few actions you can take. Firstly, you can contact Citizens Advice, who may be able to help you manage the situation. You can also lodge a formal complaint against the company. They have to deal with this in a satisfactory and timely way.

In the instance that Indigo Michael Ltd does not resolve your complaint properly, you can contact the Financial Ombudsman Service. They can provide an impartial ruling on your case.

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These terms and conditions apply to all and anybody who uses the MoneyNerd Website or DebtNerd tool. By using the website and toll you agree to be bound by these terms. If you do not accept these terms, please do not use the website.

The term ‘you’ refers to the user or viewer of our website.




Privacy Policy

The Data Protection Act 1998 requires every data controller who is processing personal data to notify the Information Commissioner of any breaches no more than 72 hours after becoming aware of it unless they are exempt from doing so. Failure to notify is a criminal offence.  In addition, any FCA regulated firm must notify the FCA – ideally within 24hrs of discovery of a breach.

This document should be read in conjunction with our Acceptable Use policy and Information Security policy which form part of the Employee’s Handbook.  We are committed to protecting and respecting privacy.

This policy sets out the basis on which any personal data we collect from a consumer will be processed by us.

For the purpose of the Data Protection Act 1998 (“the Act”), the data controller is Nerd FS.

By visiting and using our website the consumer is consenting to the practices set out below.

If our firm needs to collect data for any purpose not stated above we should notify the Information Commissioner before collecting that data.

Whenever collecting information about people, our firm agrees to apply the Eight Data Protection Principles:

  1. Personal data should be processed fairly and lawfully
  2. Personal data should be obtained only for the purpose specified
  3. Data should be adequate, relevant and not excessive for the purposes required
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  5. Data should not be kept for longer than is necessary for purpose
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  7. Security: appropriate technical and organisational measures should be taken unauthorised or unlawful processing of personal data and against accidental loss or destruction or damage to personal data
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The same principles apply to when data is taken out of the office

Working at home

The use of data for marketing purposes

For marketing purposes, there are two types of data:

Data obtained in-house

Data obtained from third parties

Security Statement

We have taken measures to guard against unauthorised or unlawful processing of personal data and against accidental loss, destruction or damage.

This includes:

Customers Right to Withdraw Consent

The customer has the right to withdraw their consent at any time. The withdrawal of consent shall not affect the lawfulness of processing based on consent before it’s withdrawal. However, it does mean you can no longer rely on consent as your lawful basis for processing. They withdraw consent by either of the following; putting this in writing to address details, by calling telephone number or emailing email address.

As the right to withdraw is ‘at any time’, it’s not enough to provide an opt-out only by reply. The individual must be able to opt out at any time they choose, on their own initiative.

In some cases you may need to keep a record of the withdrawal of consent for your own purposes – for example, to maintain suppression records so that you can comply with direct marketing rules. You don’t need consent for this, as long as you tell individuals that you will keep these records, why you need them, and your lawful basis for this processing (eg legal obligation or legitimate interests).

Subject Access Request (SAR)

One of the main rights which the Data Protection Act gives to individuals is the right of access to their personal information.  An individual is permitted to send us a subject access request (“SAR”) requiring that we tell them about the personal information we hold about them, and to provide them with a copy of that information.  In most cases we must respond to a valid subject access request within 40 calendar days of receipt.  Any business is able to charge a customer a reasonable charge of £10 for providing this data however it is not our companies policy to do so unless the request is excessive or unwarranted.  Any Subject Access Requests must be sent to a Senior Manager for processing purposes.

Third party requests are also permitted e.g. a friend or relative, a solicitor, a claims management company or other third party. Under the Data Protection Act 1998 and the Data Protection Principles, are not permitted to reveal such information to a third party without the authority of a customer. On this basis, for any third party SAR, we will ensure that we have a written record of authority held on file before we release any personal data.

Where there are two or more customers linked to one credit agreement and the request comes from one of these parties, we will provide the response to both parties

We are required to 'give' a copy of the executed agreement and any other document referred to in it and the required statement. In the FCA’s view, sending a copy of them by ordinary second class post will suffice. Guidance on what constitutes a ‘copy’ can be found in the case of Carey v HSBC Bank plc [2009] EWHC 3417 (QB).

The duty under the relevant section does not apply if no sum is, or will or may become, payable by customer under the agreement. This is irrespective of whether the agreement may have already been terminated.

We will promptly facilitate a SAR request, although we have up to 40 days to do so.  All staff are made aware of this during induction.  Refresher training will be provided on a regular basis.  Although the rules permit the Firm to charge a maximum of £10 for responding to the request for personal data, it is not the Firm’s own policy to do so.

Client consent to the application of the Act and their right to access to their records are included within the firm’s terms of business/client agreement.

Any data collected must not be excessive and must be relevant to the purpose and it must not be kept longer than is necessary.

Information Commissioner’s Office (ICO)

The ICO has the power to issue monetary penalty notices of up to £500,000 for serious breaches of the Data Protection Act occurring on or after 6 April 2010, and serious breaches of the Privacy and Electronic Communications Regulations.


Our Privacy policy is in full view on our website.  This section must be read in conjunction with the Privacy Policy.

It is the responsibility of the senior management of our firm to ensure this policy is effective through monitoring and complaints procedures.

All employees, affiliates and ARs dealing with customers have a responsibility to read, understand and implement this policy and to hold their own valid and appropriate Privacy policy where appropriate.

The Firm holds a valid Data Protection license and it is bound by the rules of the Data Protection Act 1998.  The full extent of the rules can be found at

The 8 principles that the 1984 Act introduced are as follows.  Data must be:

Criminal offences

A criminal offence is committed by the Firm or an individual member of staff if they knowingly or recklessly:

Uses of customer information

When submitting application forms to banks, insurance companies and other financial institutions, this means that personal data will, by default, also be submitted.  In these cases, clients will be informed that their personal data may be used.

The Firm will request client consent before any transfer of data takes place.  Clients will be asked to confirm that they are comfortable to have their personal data used in one or more of the following forms:

Post, telephone, email etc. subject to the conditions of the Data Protection Act.

Information Classification


The following definitions provide a summary of the information classification levels that have been adopted by our firm and which underpin the 8 principles of information security. These classification levels explicitly incorporate the Data Protection Act’s (“DPA”) definitions of Personal Data and Sensitive Personal Data, as laid out in our firm’s Data Protection Policy.

‘Confidential’ information has significant value for our firm, and unauthorised disclosure or dissemination could result in severe financial or reputational damage to us as an FCA authorised firm, including fines of up to £500,000 from the Information Commissioner’s Office.

Data that is defined by the Data Protection Act as Sensitive Personal Data falls into this category. Only those who explicitly need access must be granted it, and only to the least degree in order to do their work (the ‘need to know’ and ‘least privilege’ principles).  When held outside our firm, on mobile devices such as laptops, tablets or phones, or in transit, ‘Confidential’ information must be protected behind an explicit logon and encryption at the device, drive or file level.

‘Restricted’ information is subject to controls on access, such as only allowing valid logons from a small group of staff. ‘Restricted’ information must be held in such a manner that prevents unauthorised access i.e. on a system that requires a valid and appropriate user to log in before access is granted. Information defined as Personal Data by the Data Protection Act falls into this category. Disclosure or dissemination of this information is not intended, and may incur some negative publicity, but is unlikely to cause severe financial or reputational damage to our firm.  Note that under the Data Protection Act large datasets (>1000 records) of ‘Restricted’ information may become classified as Confidential, thereby requiring a higher level of access control.

‘Internal use’ information can be disclosed or disseminated by its owner to appropriate members of our firm, partners and other individuals, as appropriate by information owners without any restrictions on content or time of publication.

‘Public’ information can be disclosed or disseminated without any restrictions on content, audience or time of publication. Disclosure or dissemination of the information must not violate any applicable laws or regulations, such as privacy rules.  Modification must be restricted to individuals who have been explicitly approved by information owners to modify that information, and who have successfully authenticated themselves to the appropriate computer system.

Designating information as ‘Confidential’ involves significant costs in terms of implementation, hardware and ongoing resources, and makes data less mobile. For this reason, information owners making classification decisions must balance the risk of damage that could result from unauthorised access to, or disclosure of, the information against the cost of additional hardware, software or services required to protect it.


Security Level



FOIA2000 / DPA1998 status

1. Confidential

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Sensitive personal data:

·                     racial/ethnic origin

·                     political opinion

·                     religious beliefs

·                     trade union membership

·                     physical/mental health condition

·                     sexual life

·                     criminal record

·                     salary information

·                     individuals’ bank details

·                     passwords

·                     large aggregates of DPA-defined Personal Data (>1000 records) including elements such as name, address, telephone number.

·                     HR system data

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

2. Restricted

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Personal Data (information that identifies living individuals including:

·                     home / work address

·                     age

·                     telephone number

·                     schools attended

·                     photographs

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

3. Internal Use

Normally accessible only to our staff

·                     Internal correspondence,

·                     internal group papers and minutes,

·                     information held under license company policy and procedures

Subject to scrutiny in relation to appropriate exemptions/ public interest and legal considerations

4.  Public

Accessible to all members of the public

·                     Company filed documents

·                     Company websites

Freely available on the website.

Explicit Information Ownership and Other Rights of Access to Information

We recommend that departments and functions within our business explicitly designate information owners.

Other users may have rights of access to data according to the terms of engagement under which the data was gained or created.

Granularity of Classification

The sets of information being classified should, in general, be large rather than small. Smaller units require more administrative effort, involve more decisions and add to complexity, thus decreasing the overall security.

 Information Retention

There may be minimum or maximum timescales for which information has to be kept. These may be mandated in a commercial contract. Other forms of information retention may be covered by environmental or financial regulations.


All ‘Users’ must obtain authorisation from their line manager before their classification request is submitted to Senior Managers. Nerd FS is responsible for assessing information and classifying its sensitivity.


A violation of our Information Security Policy and supporting policy documents will be investigated and consequentially may result in disciplinary action which could include the termination of employment contract for employees, the termination of contractual relations in the case of third parties, contractors or consultants.

A violation of this policy and misuse of the systems and applications within our firm may also be a breach of the Computer Misuse Act 1990; consequentially the company may at its discretion take legal action against an individual or organisation that is found to be in breach of its policies.

How we may use customer data

 We may as a result of a consumer or a third parties’ interaction with our website/s obtain their personal data and process their information on our computers and in any other way.

By “third parties” we mean any lender, broker or affiliate who interacts with us in enabling a consumer to make a loan application.

We will use the information to manage their account(s), give them statements and provide our services, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and to develop and improve our services to the consumer and other consumers and protect our interests.

We, and other carefully selected third parties, will use their information to inform them by post, fax, telephone or other electronic means, about other products and services (including those of others) which we believe may be of interest to them.

If they contact us, we may keep a record of that correspondence.

We will keep details of transactions they carry out through our site and of the fulfilment of their applications and their loan history.

We will keep details of their visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.

In order for us to be able to collect and use personal data and / or to pass If they do not want us to use their data in this way, or to pass their details on to third parties for marketing purposes, customers must manually opt in to this agreement (See CONC section of this Compliance Manual).

IP Addresses

 We may collect information about their computer, including where available their IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.


 For the same reason, we may obtain information about a consumer’s general internet usage by using a cookie file which is stored on their browser or the hard drive of their computer. Cookies contain information that is transferred to their computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. Some of the cookies we use are essential for the site to operate.

If they register with us or if they continue to use our site, they agree to our use of cookies.

Please note that our advertisers may also use cookies, over which we have no control.

Cookies can be blocked and a consumer may not be able to access all or parts of our site. Unless a consumer has adjusted their browser setting so that it will refuse cookies, our system will issue cookies as soon they visit our site.

Where we store data

The data that we collect from a consumer is stored within the European Economic Area ("EEA"). Such staff may be engaged in, among other things, the assessment and fulfilment of a consumer’s application, the processing of a consumer’s bank details and the provision of support services. By submitting their personal data, they agree to this transfer, storing or processing.  We will take all steps reasonably necessary to ensure that a consumer’s data is treated securely and in accordance with this privacy policy.

All information a consumer provides to us is stored on our secure servers. Any transactions will be encrypted. Where we have given (or where they have chosen) a password which enables you to access certain parts of our site, they are responsible for keeping this password confidential. We ask a consumer not to share a password with anyone.

The transmission of information via the internet is never completely secure. Although our systems exceed industry standards for security, and we will always do our best to protect a consumer’s personal data, we cannot guarantee the security of a consumer’s data transmitted to our site; any transmission is at their own risk. Once we have received their information, we will use strict procedures and security features to try to prevent unauthorised access.

Disclosure of information

We may disclose a consumer’s personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may disclose a consumer’s personal information to third parties:

Credit Reference Agencies (CRAs)

When a customer makes an application for a credit, we will check whether they are likely to be able to meet the monthly payments and repay the loan.  However, we are limited in what we can actually do as we do not work directly with CRA’s as we are not eligible to do so.  We will work with what the applicant divulges on their fact find/application but we can only judge as accurately as the information given allows.

When we submit an application to a lender, it is normal practice for a lender to carry out a credit search with a CRA.  In the past, this would have left a search ‘footprint’ on the applicants’ credit file that may be seen by other lenders. Large numbers of applications made within a short period of time would adversely affect a customer’s ability to obtain credit, and they should always consider this before making an application for a loan.

However, the lenders that we have chosen to deal with offer a facility known as a ‘quotation’ search, which does not leave a footprint. This is in line with CONC 2.5.7 which suggests that during the ‘shopping around’ process of the customer, the lenders that we promote should only use a ‘quotation search’, which does not leave a footprint.

Access to information

The Act gives a consumer the right to access information held about them. Your right of access can be exercised in accordance with the Act. Any subject access request may be subject to a fee of £10 to meet our costs in providing them with details of the information we hold about them.

Changes to our Privacy Policy

 Any changes we may make to our privacy policy in the future will be posted on our web page, and, if appropriate, notified to consumers by e-mail.

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to moneynerduk (at)

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