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