Thank you all for the responses above. I will certainly respond using one or two of the lines suggested but I'm holding out for closer to the 30 days they have given me. I appreciate all that this site does and I always log out feeling just that little bit better, thank you.

Good morning guys, well after sending the letter suggested on the 07-08-2014; "Dear bill&ben, This account has been in dispute with the original creditor since 2009, as such no further correspondence will be entered into regarding this alleged debt. All further communications from yourself, less for confirmation the matter is closed, will be treated and reported as harassment. Regards." Now I have just received a letter from Lowell (dated 21 August 2014 8 days after) this morning requesting that I forward to them all relevant documentation supporting my claim that the account is in dispute with the originator, and they are giving me a period of 30 days to comply. My concern is that after challenging the situation back in 2009 the DCA (Capquest) involved wrote to me to inform me that they were no longer dealing with it and had returned all information to the originator. I cannot see why I should do their donkey work for them so can someone please advise me as to what my next course of action might possibly be please?

I've always steered clear of the type of sites indicated. Not sure why I guess it is purely ignorance. However, I've just opened my email programme and some how Lowell Portfolio l have got hold of two of my email addresses and advise me that they hold these on file and would like me to call the number indicated. Equally oddly both their emails are from non reply addresses. I guess I will wait and see what their response is to my recent letter (see above). Whatever, thank you all who respond to try and help me.

I'm sorry but I'm not sure what you mean. What and where is my credit file? Sorry to sound thick but have never been asked that question before.

Well guys I'm back. just got home and now a letter purporting to be from Capital One informing me that my account is now owned by Lowell Portfolio l Ltd, but it has in my opinion got Lowell all over it. Very poor photo copy and LOW101 imprint on the edge of the copy. Will send the letter suggested by Bazooka Boo in the morning and then just wait for the flak I guess. Any thoughts please?

Brilliant, thank you for the response and this I will try.

After all these years I'm back again seeking some advice. gist of the story is Capital One send letter regarding outstanding balance in June 2009. Thanks to this forum I requested details shortly after. Next correspondence was from Capquest telling me they now owned alleged debt. Again thanks to forum letters exchanged and finally Capquest sent the whole package back to Capital One. I requested all details which they sent but also requested further proof of my signature. After my SAR request I then wrote and said I was placing the issue in to "Dispute" No response other than request for my signature or copy of my driving licence or passport. I responded to neither request and the date of that letter was 29 December 2009. Now today I receive a letter from Lowell.Portfolio telling me that they now owe the alleged debt and would I please send them the amount requested or call to set up a plan. Any advice at all would be most welcome.

Well have now received a reply to my request for a CCA documentation. It merely say they have forwarded my request to the bank and will provide me with it when they receive it. Very straightforward and I guess I just wait now. Although yet again they indicate an account number I am just not familiar with nor can I find it it my records.

Thank you for responding DD, I'm not in a good place at the moment and I thought I had posted something wrong. I really am sorry about your radiators so hopefully you are getting them fixed. Not sure what is wrong with me at the moment I just go to pieces at the drop of a hat. They say it is Clinical Depression with Suicidal Tendencies. I'm 69 years old and just wish I could get my three score and ten in and then get called to a higher place. Once again thank you for getting in touch.

silverfox1961 thank you so much for answering I was beginning to get worried. Yes to your questions, on the letter they identify a bank name and an account number. Although I did have a card with that particular bank the account number is nowhere near. Anyway I have sent for a CCA with the £1 P.O. so now will wait.

Well for whatever reason no-one on the forum has chosen to try and help me so just for the record I have now sent a CCA request complete with the £1. P.O. Just hope it does the trick.

Can someone please answer my post and help me.

Please can someone give me some advice? Do I request the CCA or is there another route I can take? I hope I am not giving a false impression but my health is poor and I'm currently being treated for mental illness in the shape of having suicidal intent. The hospital and Doctors have agreed to write me a letter outlineing the situation but I'm just trying to get my act together. This has all come about because I stupidly applied for a PPI repayment after nearly 6 years of not having heard anything from them.

Good morning, well in response to my letter see above #4 I have now received the following; Do you agree it is now time to send the CCA letter with the £1. p.o.? I do not recognise either the alleged amount owed or the account number they have put in their letter. Many thanks for any replies.

Can someone advise me please? A credit card debt is in fact an Unsecured Debt is that correct and does that have any significance in law? Is there a time limit from when a payment was last paid, when correspondence was last sent and when a DCA takes control of an account? Probably clutching at straws but there is something niggling in the back of my mind from a conversation I had some years ago with the CAB when I first lost my job and they informed the Banks of my dilemma. Any reply would be most helpful, thank you in advance.

Brilliant, thank you. Letter amended accordingly.

How about the following: I am in receipt of a letter from you dated 11 Jan 14. I do not acknowledge any debt to your organization or any organization you claim to represent. Therefore may I suggest should you wish to pursue this matter further then I would require more information prior to my taking the appropriate course of action. I look forward to hearing from you.

Thank you DD as usual you are always there for me.

Well it has been quiet for a number of weeks now but low and behold this morning a letter from Capquest telling me they are now looking after my account. I do not recognise the Account number and neither do they indicate a named bank. They would like to work with me to reach a repayment plan. How kind. My first reaction is to bang off a CCA Request with the obligatory £1 P.O. Can I ask members do you concur with this course of action? I currently have an issue with another outfit called Moorcroft or something. That one is bubbling along reasonably well.

Thank you andyorch the very thing that was worrying me. Anyway I have now rewritten the letter and signed it complete with the £10 PO and can only hope for the best.

Thank you Brigadier, I was concerned that a spurious copy might be produced with my signature imposed upon it.

Good morning guys, I have now received a response to my SAR request. It was returned with my £10 postal order and the attached letter. I now need some advise as to how I respond please. Many thanks in advance.

Can anyone just offer some advice to my post above please. The bravado is diminishing now and it is getting to me.

Oh Lord, now I am confused. I'm inclined to send the SAR letter I think not least because I'm totally lost. Am I right in thinking I should send it to; RBSG Cards Customer Service, PO Box 5747, Southend on Sea, SS1 9AJ as stipulated in the letter from Wescot above?

Thank you DD, I presume you mean the one from the library that I originally sent to Wescot?