Jeg sendte en e-post til Lowell i England

Erik Ribsskog <eribsskog@gmail.com>
Lowell
Erik Ribsskog <eribsskog@gmail.com>	10. oktober 2025 kl. 16:45
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, 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>, post@rettferdnorge.no, derya.incedursun@nordea.no
Hi,

I've now contacted my Norwegian bank (Nordea).

And Josephine there, told me, that it's going to cost me 75 NOK to send a 1 NOK token-payment, to England, each month.

So that's a bit silly, I'd say.

One can buy a bag of groceries almost, for 75 NOK.

So that's a bit silly.

It's like throwing money away.

Or that you work for Nordea.

So I think the Financial Ombudsman could have a look at this.

To hear if they think that a token-payment should that expensive.

So I send a copy-email to them.

Erik Ribsskog


fre. 10. okt. 2025 kl. 11:52 skrev <complaintsresolution@lowellgroup.co.uk>:
Dear Mr Ribsskog

 

Complaint Reference: 602995

 

Further to our email dated 25 September 2025; thank you for getting in touch to raise your concerns and for your patience whilst your complaint has been investigated.

 

My understanding of your complaint

You are unhappy because you are currently not residing in the UK, and you are experiencing difficulties with making payments due to the costs involved. You have brought this issue to attention for escalation to a manager, which has not been addressed.

Findings

At Lowell we take all complaints seriously and every effort is made to ensure that a thorough investigation is undertaken and the right outcome reached.

 

In order to investigate this complaint, I have reviewed the account and the information we hold.

 

You currently have one account that we are dealing with.

 

Lowell Reference

Former Company

Current Balance

120143797

Capital One

£880.58

 

I am sorry to hear about the issues you are facing with the banks. I understand that we have supplied you with the overseas bank details, and I apologize for the additional costs you are incurring while abroad. Unfortunately, we do not have any alternative options to offer you.

 

Upon reviewing the email correspondence, I noted that you had requested for this matter to be escalated to a manager for further investigation. However, as communicated on August 28, 2025, the agent is fully equipped to assist you with your request and the related issue, which is why the matter was not escalated. I concur that the appropriate action was taken.

 

You did send additional emails; however, as they were written in a different language, I was unable to respond. If you have any further concerns or if there is anything we may have missed, please let us know.

 

Conclusion

Please accept my apologies for any distress these matters may have caused you. I can assure you this would never be our intention. Based on my findings above, I am unable to uphold your complaint.

 

The Financial Ombudsman Service also provides a dispute resolution service to assist customers who feel their complaint remains unresolved.

 

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email.

 

If you do not refer your complaint in time, the Ombudsman will only be able to consider your complaint in very limited circumstances, for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

 

For more information, the Ombudsman’s consumer leaflet, “your complaint and the ombudsman” can be accessed via the following link: www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm.

 

Please let us know if you’d like a hard copy of the Financial Ombudsman consumer leaflet sent out by post.

 

For more information on their services, you can visit their website www.financial-ombudsman.org.uk.

 

Next Steps

Moving forward, you have confirmed that you currently reside abroad; however, the address we hold on file for you is 41D Osborne Road, Tuebrook, Liverpool, L13 8AS, which is not an overseas address. If this is not the address where you wish to receive correspondence, please let us know so we can update our records. If we do not receive an updated address, we will continue to contact you at the address currently on file.

 

I have placed your accounts on hold for 30 days to allow you time to contact us and discuss how you would like to proceed with the accounts. Should we not hear from you within this timeframe, we will attempt to contact you to discuss the matter further.

 

 

If you’re worried about your debts, you can get free confidential advice from a number of independent organisations including:

                       

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

 

Yours sincerely

 

 

Ali

Customer Relations Officer





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Lowell Financial Ltd. No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH is a limited company registered in England and Wales under company number 4558936. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts.