If the membership was cancelled properly 2 years ago then the creditor should not instruct a debt collector to approach you in this manner.
Respomd to the debt collector by email advising that no debt is due and that the membership had been cancelled.
They cannot touch your credit record if there is no county court judgment against you. If they issue a county court claim, you can defend the case.
I agree, I had a similar case when I moved from one gym to another. Strangely enough my debtor letter was about a year and a half after the contract was cancelled. Fortunately I kept the all the paperwork and proved by my bank statements that I had fully paid up during the cancellation period ( 3 months ) and the agency backed off, never heard any more of it.
__________________ Central Purchasing www . centralpurchasing . eu
The debt might have been legally assigned and the debtor notified at his last known address. However, as you have stated that the contract was fully paid up then I suggest you put in writing to state that liability for the debt is wholly denied and ask them to prove your liability for the debt given that the creditor no longer exists. Send this by recorded delivery.
If they persist then you may have grounds for harassment, especially if they visit your home.
We can assist SME's in not only helping recover their debts but also put into place preventative methods to reduce the risk of the debt or late payment occuring in the first place.
Methods to recover the debts should follow the OFT guidelines.
Happy to help
EC Credit Control