Hello All,
I have received a letter from a company called Collect Direct UK with "notice of legal proceedings".
until today I had never heard of them nor had any letters or communication with them.
Later that evening I received a phone call saying they were calling from CDUK (Had not opened the letter at that point)
and needed to go through security to which point I stated I wouldn't just give my details out to a random cold caller and hung up.
They then tried to call back seven times which I just rejected each time.
I do recognise the alleged debt as a Gym I used to go to and had argued with them about the contract
however got no where so just stopped talking to them and now this letter has appeared 2 months later
with no letters ever coming from the gym in question.
I have done a little research into CDUK and it appears that their FCA registration has lapsed and the right to do any debt collection is inactive
which I assume means they are not authorised to chase for debts.
Firm Name: Improved Financial Solutions Limited
Interim Permissions Reference Number: 559133
Current status: Lapsed
Register Status Effective Date:
End Date:
Firm Reference Number:
Principal Place of Business Address: Jason House, 2nd Floor Kerry Hill Horsforth
LEEDS
LS18 4JR
Registered Office Address: Spectrum House Bond Street
BRISTOL
BS1 3LG
Phone:
Fax:
Website:
0113 259 6900
Contact:
Richard Lane
Firm name: Improved Financial Solutions Limited
Interim Permissions reference number: 559133
Names
Registered Name Improved Financial Solutions Limited
Previous Registered Names
Trading Names
Collect Direct (UK), Teleperformance Collections, Tp Collections, Cduk, Imfs
Permission
Description
Status
Limitation Against Permission
Permission End Date
Credit brokerage Credit broking
Or
Credit broking limited to credit intermediation Inactive 31/12/2014
Debt collecting Debt collecting Inactive 31/12/2014
Debt-Adjusting on a Commercial Basis Debt adjusting on a commercial basis Inactive 31/12/2014
Debt-Counselling on a Non-Commercial Basis Debt counselling on a non-commercial basis only Inactive 31/12/2014
No right to canvass off trade premises
They hold an interim permission but the FCA website doesnt really explain what the interim permission means or permits them to do.
My question is that if all rights to collect debt are inactive should this company be actively trying to collect on debts? They have no FCA registration details on the letter but state they are authorised and regulated by the FCA for accounts formed under the CCA 1974(amended 2006)
I have had no notice of assignment from the original company, nor any letter giving the debt company permission to deal with this debt.
Your help would be appreciated
Thanks