Måned: november 2012

Erik Ribsskog
<eribsskog@gmail.com>

CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 8, 2012 at 6:29 PM

To:
Correspondence Queries <client.services@stepchange.org>

Hi,

/div>

Sent: 31 October 2012 14:10
To: Q&A
Cc: Correspondence Queries
Subject: Re: CCCS

I’ll copy this e-mail to your client services-depatment then.

Because they contact me all the time with their e-mails and ‘funny’ letters.

So I think that’s the only way to get them to stop wasting my time.

Still they harass me and sabotage against me, like I explain about in more detail in the e-mail you replied to.

Thanks again for the advice!

Best regards,

Erik Ribsskog

client.services@cccs.co.uk

0800 197 1704 (weekdays 8am until 8pm).

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 30 October 2012 15:29
To: Contact Us
Cc: Q&A
Subject: Re: Wescot ResponseRE: Correspondence Reply

United Utilities have accepted, almost a year ago.

Because I get anoyed when I have to explain the same again and again.

Like putting spread on sandwiches, or something like that.

Just an advice.

Best regards,

Erik Ribsskog

Wescot always attempt to respond with an explanation or resolution as quickly as possible.

you believe this balance is not due we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

Ayrshire KA21 5JT

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 30 October 2012 14:54
To: Contact Us
Subject: Re: Correspondence Reply

Best regards,

Erik Ribsskog

Wescot always attempt to respond with an explanation or resolution as quickly as possible.

on this, as we haveno details in regards to the balance being deleted.

Ayrshire KA21 5JT

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Best regards,

Erik Ribsskog

Hi,/span>

I offered you a token-payment-agreement on £1 a month, untill I got a full-time-job.

Capital One told me my signature wasn’t mine, so this process have stalled, since last year.

Now you get back to me.

I’m still unemployed but I’m trying to set a business up, on my spare-time.

And the Jobcentre is ‘messing’ with my jobseekers allowance.

So at the moment, I have to say I don’t have any income.

I could get back to you when I get the jobseekers allowance back.

And then I would offer you the same as last time, £1 a month in token-payments.

I’ve since last year gotten a flat witch was unfurnitured.

So any money I have left after token-payments each month I now buy furniture and other things for the flat with.

And I was going to set up a new budget, when I got a full-time job.

And I’m going to do that.

But I don’t think it’s right that I have to set up a new budget now, because your partner said my signature wasn’t mine, and didn’t accept my new budget, last year.

This has taken so much of my time now, so you should really just delete the debt, I think.

I’m on Ladders, so I have a high income-potential.

All the hours I’ve spent on you and Captial One should add up to arround the debt I owe you, I think.

So I’m looking forward to hearing from you that my debt with you has been deleted!

Hope this is alright!

Best regards,

Erik Ribsskog

code and account number and also the Wescot reference number starting with DM or D3. You then need to go into your bank and ask them to send £1 payment to Wescot by bank transfer. They may reject the offer of payment but they won’t reject the £1 payment you
send and this will reduce the debt in time.

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 12 October 2012 16:13
To: Correspondence Queries
Cc: offers
Subject: Re: Update/Fwd: *****7867/Fwd: CCCS

I’m not paying token-payments at the moment.

Wescot have sent me a budget-form again now.

But as your collegue there have previously told me I don’t have to fill out this form to get token-payments.

It should be enought that I’ve explained about my situation.

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

And all I get are standard letters which tells lies like that I haven’t replied to their letters.

When I’ve sent about a million e-mails to them, which I haven’t gotten replies to.

So I now copy this e-mail to Wescot.

And I hope they’ll send me some giros for the token-payment arrangement of £1 a month now.

Or tell me what information they need from me to set up a direct-debit-agreement.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

If you have any queries or concerns, please do not hesitate to contact us on  0845 272 5400. Lines are open 8am to 6pm, Monday to Friday. Email us at
client.services@cccs.co.uk or go online to
www.cccs.co.uk and follow the links to send us a web mail.                                                    

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 08 October 2012 01:14
To: offers@wescot.co.uk
Cc: Q&A
Subject: Update/Fwd: *****7867/Fwd: CCCS

I’m don’t have the chance to pay 50% of the dept, av the moment, unfortunately.

I’m repeating my offer of a token-payment-arrangement again.

This should be a straight forward tokey-payment agreement.

Captial One even have a football-cup named after you, but you don’t seem to be a serious company.

It’s like being on the candid camera to try get a token-payment-agreement agreed with you.

Erik

From: Erik Ribsskog <eribsskog@gmail.com>
Date: Mon, Oct 1, 2012 at 3:32 PM
Subject: Re: *****7867/Fwd: CCCS
To: offers <offers@wescot.co.uk>
Cc: Q&A <contactus@cccs.co.uk>

Hi,

Best regards,

Erik Ribsskog

offers@wescot.co.uk

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 28 September 2012 14:34
To: Correspondence Queries
Cc: offers
Subject: Re: *****7867/Fwd: CCCS

Yes, I send a copy of this e-mail to Wescot as a reminder of my token-payment-offer, of one pound a month untill I find new employement.

I thought it was like you write here, with the budget-form etc., from when I went to business-school, in the eighties.

Even if that was in Norway, I think business-law is mostly the same in the western world.

Mostly based on old British business-law, if I’m not mistaking.

The information I sent to Capital One was a new token payment-offer after I had to move to Sunderland for some months last year.

If I remember it right.

I now found a letter on my blog, from Capital One, from 2009, when they also complained about my signature, (so this has happened in both 2009 and 2011), which I attach.

Best regards,

Erik Ribsskog

with them.

this further with the financial ombudsman service.

completed a budget with us. Both forms cover the same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.

that you carry on making a token payment. It will show that you are willing to pay the account off.

concerns. This will eliminate any responses about them not receiving your letters.

may be a charge for this request.

changed, I would advise you to contact Capital One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

for this request.

you can email us at client.service@cccs.co.uk.

[mailto:eribsskog@gmail.com]

Sent: 26 September 2012 00:05
To: Correspondence Queries
Subject: Re: *****7867/Fwd: CCCS

Here it’s obvious that the standard letter is used wrongly.

Please escalate to your line manager.

Regards,

And I don’t think it’s a good idea to call these companies.

It’s better to keep the correspondence in writing, so to keep documentation about what has been agreed.

PS 2.

You haven’t commented on that Capital One told me my signature wasn’t mine.

I want to please escalate this to your line-manager.

wrote:

Thank you for contacting us about your account with Wescot.

Creditors will often send standard collection letters out to you. Standard letters will include certain phrases that may not fit entirely, such as “we have not received a reply”.

Unfortunately even though you are making a token payment we cannot stop creditors from contacting you. You should continue to keep your creditors up to date with your financial situation and offer them the most fair and reasonable offer you can.

It may be best to call your creditors and speak to someone directly. That way all issues can be discussed there and then.

If you have any further questions or need some more advise, you can call us on 0845 272 5400. Lines are open from 8am to 6pm, Monday to Friday. You can also email us at
client.service@cccs.co.uk.

Kind regards

Gurj
Correspondence Advisor

We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

In order for us to do this we will be making some changes to the way in which we validate your identity.
The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·         Client reference number
·         Postal address
·         Postcode
·         Telephone number
·         Email address

Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.

Thank you

The Correspondence Team

information at all times.

from the list below:

·         

Client reference number

·         

Postal address

·         

Postcode

·         

Telephone number

·         

Email address

to us. If not, we will prompt you for these details and this may delay your reply.

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information at all times.

from the list below:

·         

Client reference number

·         

Postal address

·         

Postcode

·         

Telephone number

·         

Email address

to us. If not, we will prompt you for these details and this may delay your reply.

information at all times.

from the list below:

·         

Client reference number

·         

Postal address

·         

Postcode

·         

Telephone number

·         

Email address

…

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