Erik Ribsskog <eribsskog@gmail.com>
Lowell
Erik Ribsskog <eribsskog@gmail.com> 13. januar 2026 kl. 11:24
Til: customer_services@lowellgroup.co.uk
Kopi: Customer Services <Customer_Services2@lowellgroup.co.uk>, complaintsresolution@lowellgroup.co.uk, 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, newsdesk@independent.co.uk, contactus@amnesty.org, samediggi@samediggi.no
Hi,
it says on your web-site (https://www.lowell.com/about-lowell):
'We have two businesses in the UK, Lowell Financial and Overdales Solicitors. Combined, they employ over 1,500 people in Leeds.'.
To the token-payments.
I've been having some problems when I've sent these from my RBS-account.
It seems it isn't possible to change the reference-number, that I used, when I paid the whole Vanquis-credit-card-debt (that Lowell had bought) in 2017.
(I've copied RBS the emails where I mention this problem.
But they haven't replied).
So I now plan to pay these token-payments from my Norwegian current-account (with Nordea).
And I've already paid you £1 for December and £1 for January.
If I've understand it right, Lowell think the token-payments should be £2.
So from next month (February) I plan to pay £2 a month, from my Norwegian bank-account (with Nordea).
So you should get the next payment (£2) by 10/2.
And then the March-payment (£2) before 10/3.
(And so on).
Until I get a new job.
Erik Ribsskog
tir. 13. jan. 2026 kl. 09:45 skrev <customer_services@lowellgroup.co.uk>:
Good morning Erik
Thank you for your email.
Responding to your query
In relation to your query - Overdales is our external collections partner & manage legal matters.
We have received your standing order of £2.00 dated 9.1.26 - thank you. Is this the regular instalment you wish to pay?
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?
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:
The frequency of payment - eg monthly, 4 weekly, fortnightly, weekly
Recurring payment amount
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/payment-options/ (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 0800-2000 Monday-Friday and 0800-1400 on Saturdays.)
Next Steps
Contact will continue until you get back in touch with us.
I have sent you a link for you to register online valid for 24 hours – if you don’t receive it please check your spam/junk inbox
When you are ready to set up an affordable payment plan, you can visit our website at https://lowell.co.uk and login to manage your account online. If you have any difficulty online, we have agents available on Live Chat who will be available to help. Alternatively call us on 0333 556 5733 Mon-Fri 8am-8pm & Sat 8am-2pm.
You can get free confidential advice from a number of independent organisations including:
StepChange Debt Charity 0800 138 1111 www.stepchange.org
National Debtline 0808 808 4000 www.nationaldebtline.org
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
eribsskog@gmail.com
To : Customer_Services2@lowellgroup.co.uk
Re: Ny tekstmelding/Fwd: Deres tekstmelding/Fwd: Oppdatering /Fwd: Re: 12214394 (Thread:5065338)
Jan 11, 2026 12:16 PM
Hi,
it says on the internet, that Lowell and Overdales is the same company (more or less).
I've now started sending Lowell token-payments, towards this debt.
Except RBS are changing the reference-number, to the one I used, in 2017, when I paid the whole Vanquis-credit card-debt (from around 2013) that you had bought.
I've been thinking more about this RBS-problem.
(I copied them the last e-mail.
But they haven't replied).
So next month, I'm going to try to pay the token-payment, from my Norwegian bank-account (with Nordea) I thought.
Then perhaps the reference-number gets right.
Erik Ribsskog
From: eribsskog@gmail.com
To: complaintsresolution@lowellgroup.co.uk
Subject: Re: Lowell Complaint reference: 609520
Fri Jan 09 2026 9:22 PM
Hi,
I've now tried to contact RBS about this.
But their AI-chat (Cora) doesn't want to let me chat with a real person.
(For some reason).
It seems the RBS-interface automatically changes the reference-number to the one I used in 2017.
I'm going to call RBS about this, before I send the next token-payment.
The payment I sent on 30/12 was the January-payment.
And then I plan to send the February-payment by 10/2.
And then the March-payment by 10/3.
And so on.
Erik Ribsskog
fre. 9. jan. 2026 kl. 17:32 skrev <complaintsresolution@lowellgroup.co.uk>:
Dear Mr Ribsskog
Complaint Reference: 609520
Thank you for getting in touch to raise your concerns and for your patience whilst your complaint has been investigated. I have enclosed a copy of our internal complaint’s procedures, providing further information about how we handled your complaint.
My understanding of your complaint
You are unhappy that despite making payment towards your former Capital One account (Lowell Reference 120143797) Lowell are still sending you correspondence in reference to the account requesting payment.
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.
From a review of your former Capital One account, I have been unable to locate any recent payments received towards it. Notwithstanding this, from a review of your closed former Vanquis account under Lowell reference 198760613, I can see you have recently made two payments towards the account on the 3rd and 31st of December 2025.
Reviewing the payment method, I can see you have paid via Standing Order and that the reference used to pay has been “Payment Ref: MR RIBSSKOG E 198760613”. Resultantly, based on the fact you have used the reference for your closed former Vanquis account, the payment was allocated to that account, and nothing was received towards your former Capital One account. As such, I can find no error in our action nor attempts to contact you in reference to the former Capital One account.
Conclusion
Please accept my apologies for any distress these matters may have caused you, I can assure you this would never be our intention. However, based on my findings above I am unable to uphold your complaint, and I trust my findings above explain why this is the case.
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
Based on my findings above and your comments made in your complaint; I have arranged for the transfer of funds from the former Vanquis account and had these allocated to your former Capital One account. However, moving forward, I would ask that you change the reference used on your standing order payments to reflect the former Capital Ones account number of “120143797”, that way we can ensure the payments are correctly allocated to that account moving forward.
I am also aware that you have previously referenced not being resident in the UK since 2017, however, Lowell currently holds a UK address for you of 41d Osborne Road, Liverpool, L13 8AS. If this is not an appropriate correspondence address for you, could you please confirm either an appropriate new UK address or alternatively your Overseas address. Without either of these I must make you aware that when required, correspondence would be issued to the address we currently hold for you.
Moving forward, whilst I am aware you are making payments to Lowell for your former Capital One account, we currently hold no formal arrangement in place for you and are unaware of when you intend to pay towards the account. As such, your former Capital One account will be placed on hold for an additional 30 days, to allow you time to receive this reply and to contact us with your intentions the account. If no contact is received within this time, further attempts to contact you would be made.
As your complaint is now closed, you can set up a payment arrangement on your account to become debt free as soon as possible. The easiest ways to agree a plan with us is online or over the telephone. We can offer support and advice by exploring other options if you are having difficulties for any reason, please get in touch so that we can help.
You can also register on our secure customer website www.lowell.co.uk to check your budget and set affordable repayments. If you’d prefer to talk to someone, call us on 0333 556 5733 and we’ll be happy to help.
Yours sincerely
Daniel Walton
Customer Relations Specialist
This email, any attachments and any files transmitted with it are private and confidential and are intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. Warning: although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. accepts no responsibility or liability for any loss or damage arising out of or in connection with the this email, any of its attachments or any files transmitted with it and it is recommended that you check all emails with an appropriate virus scanner.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice is available at https://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. If you would like a copy, please contact us.
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.
This email, any attachments and any files transmitted with it are private and confidential and are intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. Warning: although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. accepts no responsibility or liability for any loss or damage arising out of or in connection with the this email, any of its attachments or any files transmitted with it and it is recommended that you check all emails with an appropriate virus scanner.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice is available at https://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. If you would like a copy, please contact us.
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.
Jeg sendte en e-post til Lowell (i England)
Skrevet av