I don't have access to a file even though I'm the owner

Hm, can you manually copy a large file from somewhere else into that folder just using explorer? See if it starts copying then craps out 75% of the way into it or if it denies it instantly?

I meant copy a test file from somewhere on your hard drive into the location you are trying to download into to see if you really do or do not have permissions.

But as Flemur says, depending on what program you are downloading with, most of them download into a temp location, then when finished, move it to the final location. It could be the temp location that has the permission problem. But if that was the case then you should be having problems with any download you make from that program (IE/FF etc).

What program are you using toDL the file? That might help...

ALso: try downloading specifically to someplace outside your user folder (and outside the programs folders), just like c:/temp or somthing in case your DL program is launching some kind of lower security downloader which can't have acess to your user folder...

Do you still have the same problem, if you create a folder somewhere else on your HDD and copy/download the file to it?

I take it you're using Internet Explorer?