I just received a debt collection letter in the mail today for "unpaid gym membership". My credit card had expired November last year which my membership was being paid out of fortnightly. I had stopped attending and assumed the membership would cancel automatically as the card had expired. The gym did try calling me earlier this year and left a voicemail to advise me that the card had expired, and to update credit card details. However, there was no mention of money being owed. They had called while I was at work, and by the time I had finished, the gym was closed. I never returned the call the following day, as mentioned before, I thought the membership would be automatically cancelled. Any help as to whether this matter may be disputable? Not sure if it is relevant, but I was also suffering from a medical condition at the time and was unable to work, nor have been unable to attend the gym. I would be able to obtain doctors certificates if necessary.