That's what I thought, so where do I go now?

No quite the opposite, they state that they purchased the account and are now the legal owners - hence I find their reply strange. Surely if they did purchase tha account they must have some documentation to prove this fact?

Following on from my earlier post "Lowell Portfolio - Capital One" on 13 July, rather than sending a SAR, I thought that I would chance my arm and send a request for a copy of The Deed of Assignment - I know what you may say (no right to see it, commercially sensitive etc) but thought I would give it a go as the first shot. Today I have received a reply from Lowell and it is not at all what I was expecting - their answer "We also advise that we are unable to request for you a copy of the Deed of Assignment. We do not hold this document, it is with Capital One instead." I've looked through as many of the posts regarding the DOA as I can find, where replies are received they appear to have been refusals, I can not find anything similar to this reply. If they do not have a copy of the DOA, what is their legal position and where do I go from here? Comments welcome, thanks

Hi folks, Recently my motor insurance was up for renewal so I visited one of the comparison websites (the one with the free cuddly toys). I entered all of the information requested and in the claims section answered all of the questions arising as a result of a claim earlier this year;What happened?-I ran into the back of another vehicle. Was the claim against my insurance?-Yes. Was my NCD affected?-No (I had protection). When the prices came back, Castle Cover was the most competitive so I pressed the button to continue. When I went through to Castle's site all of the info had been pre-populated, I checked it and continued, interestingly they were only interested in my NCD status. When I got to the end of the process, the premium had dropped further - happy days! I have now had communication from them implying that I did not notify them of a claim - I rang them and they said that I had provided inaccurate information as I had told them that the accident was not my fault. I pointed out that this was not the case but they said that when I answered the NCD question, I should have said YES because if I hadn't had the protection the bonus would have been affected. I pointed out that I answered truthfully, they had made an assumption based upon my answer to a different question - they on the other hand still want the additional premium. Is it right that I should be penalized because they didn't take note of the fact that the claim was against my insurance and they failed to ask if I was at fault? (In law, if one runs into the back of another vehicle you are automatically deemed to be at fault irrespective of the circumstances.) Surely some implied contract exists - I answered truthfully, therefore I should not be penalized because they made a wrong assumption; am I missing something here or am I wrong? Hope you can help

Got most of the statements and pretty much everything else - I'm one of life's hoarders! No statements for the last 12 months (more or less) though.

Thanks for the reply, I know that I definitely did not have PPI so no joy there, but there probably will be some charges. I'll fire the SAR off tomorrow, see where that takes us - I've not had a statement for almost a year & no access to the online facilities since early 2013, might be interesting.

Hi folks, relatively new here & this is my first post - not sure what direction to take. Got a Cap1 card in 2008 and all went well for a while. Late 2012/early 2013 my work took a downturn & money became very tight. Got in touch with Cap1 & agreed reduced payments. By mid 2013, I got a job offer, wrote to Cap1 to tell them the good news and telling them that I was due to start work soon (I had been keeping them up to date each month when I sent payment). Cap1 responded by issuing a default - net result, job offer withdrawn (it was in the financial industry). One thing led to another, next thing I started getting calls etc from Fredricksons. Sent a CCA letter & advised that all communication must be in writing etc. Case was bounced back to Cap1 & Fredericksons disappeared never to return. I finally got a letter back from Cap1, I had applied online & they sent me a print out of the agreement with my name typed in where the signature should be. They stated that they would not enter into further correspondence regarding copies etc as they had complied with S78. Everything then went quiet, no contact from anyone, no indication of who I should pay, when or how much - nothing!! The end of this week, I have received the opening letter from Lowells Portfolio, they have bought the debt (£4054) & I should contact them to arrange payment etc. At this stage, my financial position still has not recovered, I am working but on a zero hours basis and am receiving tax credits & housing benefits, some of my priority bills are also still a little behind. To date, I have not sent a SAR letter to either Cap1 or Lowell, I'm not even sure if that is the way to go. Has anyone got any suggestions how I can cut Lowells short before it gets too heavy, I am not afraid of fighting and getting down and dirty if necessary but I could do with concentrating on work at the moment as I have a chance of a regular full time position. Any suggestions would be appreciated.