Thanks for that information.
Looking at the letter from Cabot it is not actually headed NOA ! It is just a letter on Halifax headed paper stating that DCA is now the owner and all rights etc belong to them.
Lowell just keeps sending a breakdown of statements , no NOA not even a letter from the original OC so I have sent them a prove it letter twice now.
No payments have been made for a couple of years now. Halifax were being arses each time I contacted them about the charges ,plus account fees.
One overdraft is for £750 with Cabot the other is £3k with Lowell . I can see Lowell forcing this one to court for that sum so disputing the charges first off will help plus if they go to court I can dispute that they have not complied with my request for them to prove the debt. Are they breaking data protection if all they send me is a breakdown of transactions on the actual account ?