MBNA are notorious for confusing people and your case is typical.
As you say your in the process of claiming your charges back, and you are at a stage that MBNA are looking into the matter it would be fair to argued that the amount of debt is in dispute. If this is true then MBNA had no right to sell the debt on in dispute. You could then inform Fredrickson you do not acknowledge the debt etc….and concentrate on MBNA regarding your charges.
If your not at this stage however, dispute the debt with Fredrickson using the CCA request (Recorded). You don’t have to outlining the reason i.e. unfair charges. This will have the effect of putting the account on hold until they produce the documents requested, and bypass the possibility of the refusal for time to gather your information. It is your right then, NOT to have to pay anything during the CCA process until satisfied.
Regarding the above, this is absolute rubbish. You MUST ask them for a copy of your signed consent for them to process your data.
To quickly explain;
When you first take out credit with the provider, you sign a credit agreement. Within this credit agreement you give the provider permission to use and share your personal data, to a CRA for instance. When they sell the debt this consent cannot be transferred to a third party.
When a DCA buys the debt and then approaches you, there are two points to understand and each is important but different.
The DCA has to prove the debt is yours.
The DCA has to prove they have your permission to process your data.
With the CCA letter you are asking for proof that you owe the debt. This will be in the form of the signed true copy of the original agreement. And proof they now own the debt i.e. Deed of Assignment. This is why the CCA request is so important. If they cannot supply all the relevant documentation then the debt is unenforceable, that is to say they can only ask for payment and not take any action. However, if it does turn up then they can take action.
As for your data, when a DCA purchases the debt, when they first contact you, they must provide you with a deed of assignment PLUS a letter for you to sign containing authorisation for them to process your data. This is because the credit provider cannot transfer your original permission because consent is not given in perpatuity. Not having your permission means they, the DCA cannot process your personal data or pass it to any third parties, as this data is unsubstantiated and therefore can’t contact the Credit Reference Agencies to lodge defaults. Any defaults lodged can be removed under the provision of CCA section (159) and to stop them processing your personal comes under CCA section (174). Reading "default hell" shows that they have to abide by your rights even though this severely restricts and often halts them managing your data i.e. your account.
Because the DCA hasn’t followed the correct procedure means they have now got the problem of not being able to satisfy the requirements of either the CCA or the Data Protection Act. And consequently fall foul of the law with the threat of summary conviction even if they don’t continue. Now faced with a "hot potato" they have the choice of dropping it or burning their fingers. Whether they go away is an option they have to seriously consider, especially when the Information Commissioner gets involved.
I hope you can understand the difference, but both are important in there own way.
Regards.....Turnaround