Jeg sendte en e-post til Lowell

Erik Ribsskog <eribsskog@gmail.com>
Complaint/Fwd: Your account hold period is ending
Erik Ribsskog <eribsskog@gmail.com>	21. august 2025 kl. 12:41
Til: customer_services@lowellgroup.co.uk
Kopi: post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>
Hi,

the problem is, I don't have access to my British bank-accounts at the moment.

I've tried calling RBS several times (some months ago) to do with this.

And I've also completed an RBS online identity-check.

But I still can't get into my account.

And I haven't got a valid RBS-Visa-card, due to that I haven't been living in the UK since 2017.

So my RBS-Visa-card expired in juni 2019 (i see here).

And I have updated my address with RBS.

But they haven't sent me a new Visa-card.

And I've called them three times (after the pandemic) about this.

And RBS are still being difficult (even if Barclays told me (in 2017) that it's usual to have update Visa-cards from ones British bank-accounts, even if one live abroad).

But neighter Barclays or RBS have any branches in Norway.

So I can't just visit them (like in Liverpool etc).

So this is a bit tricky.

I wanted to have a British Visa-card (that was valid) to try to get a British PayPal-account (with credit, unlike the Norwegian accounts).

But I haven't managed to get of them British credit-PayPal-accounts yet.

But I could pay £2 a month with my Norwegian Visa-card, if you tell me the URL, where I type the card-number and CVV-number, etc.

I can start paying these token-payments from 25th September.

(If that's ok).

And then the 25th every month, untill I get a job.

Or I could pay with my Norwegian PayPal-account (if you accept PayPal-payments).

When I go on weekend-trips etc. these days, I go to Denmark, Germany or Sweden.

I don't go to the UK anymore.

Because some internet-trolls starts swatting me when I live in the UK.

And the Merseyside-police and the Liverpool law firms and the courts in Liverpool.

They don't really understand what swatting is.

(Or they pretend not to understand).

They say I've been writing obscene e-mails to an Aintree-Jobcenter-staff (Sarah Bamber).

But I haven't.

It's the internet-trolls (who read my blog).

And then Sarah Bamber has called the Police about these emails, perhaps a hundred times.

And then the Police go on my door, and make hell.

And they have arrested me like ten times.

And then they always let me go (when the managers get to work).

But one court (in Liverpool) want's to punish me, for what the swatters are doing.

So I'm wondering what's going to happen, if I go the UK now.

I've lived in the UK for a total of ten years, but I'm not a British citizen (but still have my National Insurance Number etc.).

So I rather go to Denmark, Germany and Sweden on holidays (only very short/inexpensive cruises or bus-travel) now.

Due to mess with the 'idiots'/gorillas in the Merseyside police and law-firms and courts.

So that's why I don't get to visit eighter RBS or Barclays.

Due to that I'm afraid I'm going to be arrested if I go to the UK.

(Due to a murder of justice-case).

And the UK also now has a new rule.

Norwegians have to contact the UK, and get a type of visa, to travel to the UK.

And I'm not sure I'm going to get this new visa, due to the problems with the police and courts in Liverpool.

But if it's possible to pay the token-payments with my Norwegian visa-card (from Nordea) then I could just do that.

So please inform me about how I should go forward with paying the mentioned token-payments with my Norwegian Visa-card (or with my Norwegian PayPal-account).

Erik Ribsskog

PS.

I asked to get a reply from a manager/superior, about this debt.

I can't see that this has happened.

Please escalate to a superior now.

PS 2.

If you want, I could pay these token-payments to Lowell in Norway (your sister-company).

That would perhaps be easier.

Since they have a Norwegian bank-account-number, that I could pay (like 25 NOK to) each month, from my internet-banking (with Nordea).

I had a look at Nordeas web-site now.

And it says that it costs 350 NOK to send a payment outside of the EU.

That's around £30.

And then it's not really a token-payment (these are normally £1 Stepchange/CCCS told me, around 2010).


tor. 21. aug. 2025 kl. 11:26 skrev <customer_services@lowellgroup.co.uk>:
Good morning,

Thank you for your email.

Responding to your query

Thank you for making us aware that you live in Norway. So that we have your details up to date, please can you provide us with your current address. Further correspondence will continue to be issued to the address we hold on our system, till we are notified of your current residence.

You have advised us that you are currently unemployed. Please can you advise us how you are covering your living costs?

 Are you being financially supported by someone?

Are you in receive of any form of benefits or support?

You have advised to set up a token payment. We do need to make you aware that our standard payment amount is set at £2.00 per month, per account. Any payment plans that are set lower than this, will result in Lowell reviewing your circumstances in six months.

When we last communicated with you in June, you had advised us that you are seeking advice from Gjeldsoffer-Alliansen. Please can you confirm if you are still delegating with them, and if you can confirm if they are a free debt advice service for you.

Please see a summary of your account below;

Lowell Reference

Original Company

Brand

Original Client Reference

Current Balance

120143797

Capital One

Capital One

4775965317292158

£880.58

So that we can set up an affordable and sustainable payment plan with you, please help us to understand your circumstances by confirming:

· If your priority bills are up to date (e.g., rent/mortgage and utilities)

· How you will be funding the payments (e.g., wages/benefits/pension)

· Your total income

· Your total expenditure

Finally, to proceed and set up a payment plan, please provide the following information:

· Recurring payment date/day eg Monthly on 1st, every Friday etc

· Your chosen way to pay (Direct Debit, Standing Order etc)

· Your bank sort code and account number, including roll number if applicable (for Direct Debit payments)

· Your name as it appears on your bank account

You can find all our payments options by following this link https://lowell.co.uk/ways-to-pay/ (please note, we are unable to set recurring card payments via email, please call us on 0333 556 5733 to set up via these payment methods. Our agents are available 0900-1830 Monday-Friday and 0900-1600 on Saturdays.)

Regarding your query for the EE Limited account we hold for you, we can confirm account reference 314802737, is closed as this account is statue barred. This was actioned on 06/04/2024, as the account no longer reflected on your credit file. The balance of £38.71 was written off and the account was closed.

This account no longer reflects outstanding for you.

We await your response.

Next Steps

Contact will continue until you get back in touch with us.
Kind Regards

Lowell Customer Services Team
Lowell Financial, part of Lowell
T: 0333 556 5733
Email: post@lowellgroup.co.uk
Website: www.Lowell.co.uk

 





 
From: eribsskog@gmail.com
To: customer_services@lowellgroup.co.uk
Subject: Complaint/Fwd: Your account hold period is ending
Fri Aug 15 2025 8:25 AM
 
Hi there,

I'm unemployed in Norway, at the moment.

I also was unemployed in the UK, during/after the finance-crises.

Then Stephchange adviced me, that I could pay token-payments, untill I got a job.

So I can offer you to pay montly token-payments, to do with this debt.

(Like use to pay your collegues Debt Management, before Brexit).

I can pay you 10 NOK a month, untill I get a job.

Erik Ribsskog

PS.

This I think was a credit-card, that I got, when I lived in Liverpool City Center.

(Where I lived from 2006 til 2011).

So this debt is almost 20 years old.

And this is on top of a 'fishy' EE-debt that you have been buging me with, earlier this year.

So this I have to complaint about.

What's this supposed to mean?

I want a reply from a superior about this.
 
 
---------- Forwarded message ---------
Fra: Lowell <NoReply@lowellgroup.co.uk>
Date: fre. 15. aug. 2025 kl. 07:06
Subject: Your account hold period is ending
To: <eribsskog@gmail.com>
 

Lowell


 
Mr Erik Ribsskog

YOUR OUTSTANDING ACCOUNTS
ORIGINAL COMPANY NAME	LOWELL REF	BALANCE
Capital One	120143797	£880.58
 	 	£
 	 	£
 	 	£
 	 	£
 	 	£
BSENDDEF
15/08/2025

 
Dear Mr Ribsskog

Your account hold period is ending
We placed your account(s) on hold to give you time to get some debt advice. This hold period ends on 22/08/25.

What happens next?
If we don’t hear from you after 22/08/25, we’ll contact you to discuss options for your account.

If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.

You can review your account(s) online or call our friendly team on 0333 556 5700 if you have any questions.

			
Tap, Click or Scan to download the Lowell App	www.lowell.co.uk	0333 556 5700
Mon-Fri 9am-6.30pm & Sat 9am-4pm	PO Box 13079,
HARLOW, CM20 9TE
Independent free debt advice available
www.moneyhelper.org.uk
0800 138 7777
Government-backed, free,
impartial money advice
(see below for more info).

 
Yours sincerely

Lowell Customer Team


Sharon. 29/07/2024. Coleraine, UK.
The website is so easy to understand and straightforward to use. I set up a plan in 5 mins, no problem!

	
Andy. 20/08/2024. Scarborough, UK.They really are there to help. Just be honest and don’t be afraid to talk about your debt – they are very empathetic.

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INTRODUCING LOWELL
Lowell is a group of leading companies in the debt purchasing business. We are Lowell Financial Ltd (LFL) and we will be supporting you by providing you with enough time and the right options to deal with your debt(s) based on your circumstances. Our opening hours are: Mon-Fri 9am-6.30pm & Sat 9am-4pm. Calls from a landline will be charged at a local rate; mobile charges may vary.
HOW WE USE YOUR DATA
Our privacy notice can be found at www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. To listen to our customer privacy notice, please call 0800 021 2075 or if you would like a copy, please contact us.

FREE IMPARTIAL DEBT ADVICE	UPDATING YOUR CREDIT FILE
FREE IMPARTIAL DEBT ADVICE PROVIDERS

www.moneyhelper.org.uk - 0800 138 7777 - government-backed free debt and money advice support and solutions

www.moneywellness.com - 0161 518 8285 - confidential advice and ongoing support and solutions

www.stepchange.org - 0800 138 1111 - UK's leading debt charity for advice and solutions

www.businessdebtline.org - 0800 197 6026 - business debt advice

www.citizensadvice.org.uk - 0800 144 8848 - face-to-face holistic advice available

If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.

MAKING A COMPLAINT
At Lowell, we are committed to working in a fair, reasonable, and respectful manner. We have a documented Complaints Procedure – a copy of which is available upon request. If you want to make a complaint, contact our Customer Relations Team. The easiest way to do this is online at www.lowell.co.uk in the contact us section, by calling us on 0800 542 0058 (we’re open: Mon-Fri 9am-6.30pm), or by writing to us at Customer Relations, PO Box 13079, HARLOW, CM20 9TE.


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