PS.
Men det er litt vanskelig å se hva som skrives:
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Gmail – To: Jane Beauchamp, Complaints Manager/Fwd: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A 
Erik Ribsskog
<eribsskog@gmail.com>
To: Jane Beauchamp, Complaints Manager/Fwd: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A
Erik Ribsskog<eribsskog@gmail.com>
Sat, Dec 8, 2012 at 1:03 PMTo:
Contact Us <contactus@wescot.co.uk>Hi,
I’m refering to your letter from 5/12, which I got in the post today, and which I attach scanned copies of.I think your letter has to many issues brought up in it.
And the issues aren’t even indexed.
So I don’t think I should comment on all the details, in your letter.From reading your letter quite fast, I didn’t like it that you brought my feelings into this.That’s inpolite, I think.Also, I think the section were you write about the problems with the signature, was difficult to understand, since it was written in a way, to make it problematic, to understand, I think.I think your English-teacher would have complained if you showed that paragraph, to him.To try to bring this further.I have already, about a week before the date your letter, started paying Wescot token-payments, of £1, (from your web-site), like I’ve previously written to your collegue, (Mr. Robinson?), that I would start doing.So I now plan to continue paying you token-payments, of £1, by the 30th., each month.Untill I find a new job, then I’m going to set up a new budget, and increase the payments.Hope this is alright!Yours sincerely,Erik Ribsskog———- Forwarded message ———-
From: Contact Us <contactus@wescot.co.uk>Date: Thu, Nov 15, 2012 at 12:04 PM
Subject: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A
To: Erik Ribsskog <eribsskog@gmail.com>15 November 2012Dear Mr RibsskogFurther to your recent email.
I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation or resolution as quickly as possible.Our client confirmed the signature you provided when you requested your new address to be updated on their records did not match the signature on the account. According to our client, theydid not inform you the balance is not outstanding. They have confirmed the account will not be deleted and advised you should set repayment arrangement with ourselves. Please complete the attached form.
Please accept my apologies for any inconvenience you may have been caused whilst contacting us.Yours sincerelyFunmi Olugbenga-DadaAccount Controlleremail: contactus@wescot.co.ukFrom: Erik Ribsskog [mailto:eribsskog@gmail.com]Sent: Monday, November 12, 2012 10:39 PM
To: Contact Us
Cc: Q&A
Subject: To: Mrs. N. Farrow. Your ref: 49597867/S82AHi,I’m refering to your letter from 8/11, which I recieved today, (and attach a scanned copy of).
It wasn’t like you write in the letter.I contacted Capital One and asked if I could pay them a token-payment of £1 a month.
This was about a year ago now.
Capital One said the signature in my letter wasn’t mine.
And after this I’ve had tens of letters and tens of e-mails, from you at Wescot and Capital One.
So that’s why I wanted the debt deleted.Since this case wastes a lot of my time.
(And Wescot have also told me in a letter, that I don’t reply to your correspondence.Which isn’t true, I’ve replied to all your e-mails and letters.
And I’ve gone to business-school, and I think letters shouldn’t contain lies.Even if they are standard letters).
Perhaps you could contact Capital One again and ask them if they now accept my token-payment offer of £1 a month, from about a year ago?Thanks in advance for any help!Best regards,
Erik Ribsskog
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.2 attachments wescot 1.jpg
152Kwescot 2.jpg
161KPS.
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Gmail – New update to Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: Update/Fwd: To: Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
Erik Ribsskog
<eribsskog@gmail.com>
New update to Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: Update/Fwd: To: Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
LHT Customer Service<csc@lht.co.uk>
Fri, Dec 7, 2012 at 9:32 AMTo:
Erik Ribsskog <eribsskog@gmail.com>Dear Mr Ribsskog,I have forwarded the below information to Laura Murphy.RegardsLonaFrom: Erik Ribsskog [mailto:eribsskog@gmail.com]Sent: 06 December 2012 13:53
To: Contact-Us
Cc: Benefits Service
Subject: New update to Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: Update/Fwd: To: Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
Hi,I called Birkenhead Benefit Centre now, on 0845 608 8529, and spoke with Margareth there.She could inform me that the payment I got on 16/11 of £497, was from JCP, (and was Jobseekers payments from 21/9 to 8/11, I think she said).
And that the payment I got on 24/9, of £355.02 was Jobseekers Allowance from 17/8 to 20/9.I explained that I have thought that these payments were the Housing Benefit, since the Jobseekers Allowance-payments were sent collected.And also that not even RBS could tell me who these payments were from.So you can now just ignore my complaint about missing JSA-payments.Since Margareth told me that my JSA-payments are now up to date.I send copy e-mails to my Landlord and the Council, to explain more about this unfortunate misunderstanding.Hope this is alright!
Yours sincerely,
Erik Ribsskog
———- Forwarded message ———-From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Dec 5, 2012 at 4:58 PM
Subject: Update/Fwd: To: Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
To: Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>
Cc: LHT Customer Service <csc@lht.co.uk>Hi,
I called RBS now, and spoke with Joan there.She to couldn’t see who the payments where from, but she contacted the Payment-team, and they said it was from an HSBC-account, with the sort-code 42 08 37.
So I guess that’s the JCP then?I hope you can have this in mind later, to put your name on the transfers, if this was from you.
I got a regular payment from you, last week, of £142, and that was labeled ‘DWP JSA’, so then I knew it was from you.But the other payments were just labeled: ‘FP 16/11/12 1433’, and a lot of symbols, so even RBS couldn’t see who sent it.
I’ll try to call you one of the next days, (since you don’t respond to e-mails, like Rude(?) with you said the last time I called you), to try to clear up the mystery surrounding who with a HSBC-account sent these payments.Since even RBS don’t know who they are.Just as an update.
Sorry that I’m sending a lot of e-mails regarding this strange mystery! 🙂
Hope this is alright!Best regards,
Erik Ribsskog
———- Forwarded message ———-From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Dec 5, 2012 at 1:25 PM
Subject: To: Ian Marshall, Manager Birkenhead Benefit Centre/Fwd: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
To: Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk> Hi,
I’m forwarding an e-mail regarding problems with the Housing Benefit, to Liverpool City Council, as an update, on my letter, from 29/11, regarding Jobseekers Allowance.It seems there has been a misunderstanding here, from my side.
I have gotter two payments in the region of £300-400, in the last months.(One in September and one in November).
I’ve just assumed it was the Housing Benefit, since that usually is in the region of £300-400.
(Because I got the Housing Benefit sent to me directly earlier, and it has recently been resumed.
So I thought it must have been reset who it was going to be sent to, when it was resumed.
And I thought that was why I got these payments, which was only labeled ‘express’, (or something similiar), on my online bank statement).
I now think that these payments must have been two or three Jobseekers Allowances, sent in collected payments.But I’m also going to contact RBS, to get this made clear.
Just to update about this.
Sorry about the problems regarding this misunderstanding!
Yours sincerely,
Erik Ribsskog———- Forwarded message ———-From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Dec 5, 2012 at 1:07 PM
Subject: To Graham Roberts, Benefit Officer/Fwd: Thank you for your email
To: Benefits Service <benefits.service@liverpooldirectlimited.co.uk> Hi,
thank you for your letter from 29/11, which I recieved today.Like I explain in the forwarded e-mail, to LHT, it has been a misunderstanding, from my side, regarding the Housing Benefit.Some payments have just been labeled ‘expess’, (or something similar), on my online bank-statement.And these payments have been in the region of what the Housing Benefit normally is.
So I have assumed that these payments where the Housing Benefit, (sent to my bank-account).
But I’m now going to contact RBS, to get it clear, who these payments have been from.
(I guess they have been from JCP, who have sent me two or three Jobseekers Allowances, in one payment).
I’m sorry about the problems due to this understanding!
(I’m going to complain to RBS about the problems with the bank-statement).
Sorry again about this!
Yours sincerely,Erik Ribsskog
PS.I got a letter from LHT, (sent 24/10), which I attach a scanned copy of.
And there they mention that my Housing Benefit had been stopped.
So that’s why I was sure it was the Housing Benefit, that had been sent to my bank-account directly.
(Like when I lived in Leather Lane, a couple of years ago).
Because I have gotten no letters about the mentioned payments, in the post.
And like I’ve mentioned above, it hasn’t been easy interperated my bank-statement.Sorry again about the problems with this, and thanks again for the letter!
———- Forwarded message ———-From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Dec 5, 2012 at 12:37 PM
Subject: Re: Thank you for your email
To: LHT Customer Service <csc@lht.co.uk>Hi,
thank you for your e-mail!Today I got a letter from the Council, which I attach.
It says they have sent my Housing Benefit to you, every month.
So it has been a misunderstanding.
Because I got a letter from you last month, (which I attach a scanned copy of), where you told me that my Housing Benefit had been canceled.
So I then assumed that some payments I got on my RBS-account, where the Housing Benefit, from the Council, (because I complained about that the Housing Benefit had been stopped).
So I thought the Council had starting sending me the Housing Benefit, (like they did when I lived in Leather Lane, a couple of years ago).
Because it doesn’t say on my RBS-statement, who the mentioned payments, (which I mention in my earlier e-mails to you, which you sent to Laura Murphy), on my bank-statement.
So I have assumed they were Housing Benefit.Since they were in the region of £300-400.
(And not in the region of £140, which the Jobseekers Allowance is).But I’m going to contact RBS now, to check up on this.I send copies to the Council and the Jobcentre, as updates, (since I’ve contacted them earlier about these payments).Sorry about the misunderstanding.
The payments have used said ‘express’, (or something similar), on my online bank-statement.
So this has lead to me misunderstanding about this, unfortunately, it seems.
So I’m going to complain to RBS about this.
Sorry again about the problems with this!
Yours sincerely,
Erik RibsskogOn Mon, Dec 3, 2012 at 3:43 PM, LHT Customer Service <csc@lht.co.uk> wrote:Hi Erik, I have forwarded both emails over to Laura Murphy as requested.ThanksChris McAuleyCustomer Service OfficerLiverpool Housing TrustPriory HouseNorthwayRuncornWA7 2FSTel: 01928 796000E-Mail:Web:Liverpool Housing Trust is part of the Symphony Housing GroupFrom: ErikRibsskog [mailto:eribsskog@gmail.com]
Sent: 02 December 2012 01:09
To: Benefits Service
Cc: LHT Customer Service
Subject: Re: Thank you for your email
Hi,/div>
just to update a bit about this.My main focus has been the problem with the missing Jobseekers Allowance-payments, in the last months.
But from my memory, I can only remember to have recieved Housing Benefit, (which I first thought was Jobseekers Allowance), in September and November.I can’t see that I’ve recieved any Housing Benefit for October.
I’m also wondering on which date I will recieve future Housing Benefit-payments, (and the amount), so that I can tell my Landlord the exact details regarding future payments.
So I hope you can send me the Hounsing Benefit-payment for October as well.Since I don’t think the Landlord have gotten Housing Benefit from you, since August.
So they now are going to want rent for September, October and November, from me.
And that’s around £1000.
And you have just sent me, (from my memory), around £700-800, in Housing Benefit.
I got one payment in September, on a bit more than £300, (I think it was).
And I got one payment in November, on a bit more than £400, (I think it was).(I can check these figures on my bank-statement, if you want me to get the exact figures).
So I think I’ve gotter more than £200 to little in Housing Benefit from you, in the months: September, October and November.So I wondered if you could check up on this.
Because I want to pay the money I owe to the Landlord.
So that I don’t get arrears with them.
Hope this is alright!Yours sincerely,
Erik RibsskogOn Sun, Dec 2, 2012 at 12:16 AM, Benefits Service <Benefits.Service@liverpooldirectlimited.co.uk> wrote:
Thank you for your email. We aim to reply to this within 10 days.If you are a Council Tax account holder we would like to set your account up for electronic billing, if appropriate.This is one of the ways that helps us to keep Council Tax increases as low as possible.
You do not need to do anything unless you DO NOT want to receive your bills electronically. If this is the caseplease reply
revenue.service@liverpool.gov.uk
stating that you do not want to receive an e-bill.If we do not receive a reply from you, you will shortly begin to receive your bills to this email address.Please note that emails from third parties are excluded.Please include your Council Tax reference or the property address in your reply.______________________________
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DISCLAIMER:The information in this e-mail is confidential and may be read, copied or used only by the intended recipient(s). If you have received it in error please contact the sender immediately by returning the e-mail or by telephoning a number contained in the body
of the e-mail then and please delete the e-mail without disclosing its contents elsewhere. No responsibility is accepted for loss or damage arising from viruses or changes made to this message after it was sent. The views contained in this email are those
of the author and not necessarily those of the authors employer or service provider.This email has been automatically scanned for viruses and malicious content by MessageLabs for your protection
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Gmail – To: Suzanne Cafferty, Customer Advisor/Fwd: To: Nicola Redfern, Customer Advisor
Erik Ribsskog
<eribsskog@gmail.com>
To: Suzanne Cafferty, Customer Advisor/Fwd: To: Nicola Redfern, Customer Advisor
Erik Ribsskog<eribsskog@gmail.com>
Sat, Dec 8, 2012 at 3:44 AM
To:
Customer.Services@uuplc.co.ukHi,
I’m refering to you letter from 4/12, (which I attach), and to the water-bill, also from 4/12, (which I also attach a scanned copy of).Thank you for merging my two accounts with you!You write that the payment-arrangement stays the same.
I’m unemployed at the moment, so I have an arrangement with you that I pay £1 a month, untill I find a new job.
That payment-plan should be up to date now.
And I’m going to pay the next token-payment, of £1, within 25/12.I just wanted to update about this, since I also got a water-bill, that mention another amount.So just to make sure that there have been no misunderstanding about this, and to explain that my next payment is going to be the token-payment, of £1, by 25/12.
I hope that you can confirm that this is the same payment-plan, which you mention, in your letter.
(Since I got two letters from you, both dated 4/12 now).
So I just wanted to explain about the details of my payment-arrangement with you, just for the record, so to speak.
Hope this is alright, and thanks again for the letter!Yours sincerely,
Erik Ribsskog———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>Date: Wed, Nov 28, 2012 at 11:14 PM
Subject: To: Nicola Redfern, Customer Advisor
To: Customer Services <Customer.Services@uuplc.co.uk> Hi,
I’m refering to your letter from 26/11, which I recieved today, about my water bill arrears, from Hope Chambers.Today, I also recieved my new water bill, for 10 Keith Court.
I’m unfortunately still unemployed at the moment, (even if I get to job-interview quite often now).So I can’t afford to pay more than token-payments untill I find a new job, unfortunately.
So I was wondering if you could please merge my old account with you, from Leather Lane, with my new account, for 10 Keith Court.And then I would just continue to pay one token-payment monthly, (like the agreement I have with you now says), untill I find a new job.So that my next token-payment is due on 25/12.
Hope this is alright, and thank you again for your letter!Yours sincerely,
Erik RibsskogPS.
I attach scanned copies of both the mentioned letters.2 attachments letter uu.jpg
79Kwater bill.jpg
105KPS.
Her er vedleggene:
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Gmail – Barclays Bank – Notice of Proceedings
Erik Ribsskog
<eribsskog@gmail.com>
Barclays Bank – Notice of Proceedings
Erik Ribsskog<eribsskog@gmail.com>
Sat, Dec 8, 2012 at 3:16 AMTo:
“SAM N. PARCS” <Sam.n.Parcs@debt-managers.co.uk>Hi,
yes, it would have been fine if you could send me some more giro-slips, while I’m in contact with you.
I only have like three or four giro-slips left, you see.
Thanks in advance for any help with this!Best regards,
Erik RibsskogPS.
I guess you’ve gotten my new address, (since May), but in case you haven’t, it should be:10 Keith CourtKeith AvenueLiverpoolL4 5XJOn Thu, Dec 6, 2012 at 1:12 PM, SAM N. PARCS <Sam.n.Parcs@debt-managers.co.uk> wrote: Dear Mr Erik Ribsskog
Our Ref 47998755 – Barclays Bank
Thank you for your email. We can confirm that your last payment has now been received and your payment plan is up to date and has been adjusted. Should you require further payment slips please do not hesitate to contact us.
Regards
Sam N Parcs.—–Original Message—–
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 04 December 2012 12:00
To: SAM N. PARCS
Cc: Q&A
Subject: Re: Barclays Bank – Notice of ProceedingsHi,
according to my notes, I’m not in arrears.
And I’ve replied to each of your letters and e-mails.
I’ve paid you £1 for October and £1 for November.
And I’m going to pay you £1 for December.
So this doesn’t make any sense to me, unfortunately.
I send a copy e-mail to CCCS due to this.
Erik Ribsskog
On Tue, Dec 4, 2012 at 8:09 AM, Sam N Parcs <sam.n.parcs@debt-managers.co.
uk> wrote: 47998755 – Barclays Bank – BVDM1R
Dear Mr Erik Ribsskog
Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.
You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.
Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.
To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at dmpay.co.uk using your reference number and unique password 676P962.
Sam N Parcs
Supervisor
Sam.n.parcs@debt-managers.co.uk The cost of calls may vary depending on your network provider – please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
OPENING TIMES
Monday – Thursday 8 am – 8 pm
Friday 8 am – 7pm
Saturday 8 am – 4pmAny views or opinions are solely those of the author and do not necessarily represent those of the Company
——————————
—————————— —————————— —————————— ————————- The information transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.
Debt Managers Ltd. Registered in Scotland (registered no. 219618).
Registered Office: 12 Hope Street, Edinburgh, EH2 4DB
