Erik Ribsskog
<eribsskog@gmail.com>

---

Wescot Response 49597867 RE: Correspondence Reply

---

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Nov 2, 2012 at 2:26 PM

To:
Contact Us <contactus@wescot.co.uk>

Cc:
client.services@cccs.co.uk

Hi,

Ribsskog

Further to your recent email, I am sorry to note there appears to be some confusion over the account. To resolve this and offer a detailed explanation I have
referred the points you have raised to our client and we are currently awaiting an update from them.

Sent: Tuesday, October 30, 2012 3:29 PM
To: Contact Us
Cc: Q&A
Subject: Re: Wescot ResponseRE: Correspondence Reply

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

an explanation or resolution as quickly as possible.

we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

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

Best regards,

Erik Ribsskog

an explanation or resolution as quickly as possible.

in regards to the balance being deleted.

[mailto:eribsskog@gmail.com]

Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Best regards,

Erik Ribsskog

Hi,

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

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.

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

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

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.

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

internal collections department who work on behalf of Wescot to collect the outstanding balance.

time. If you receive any further contact regarding this matter, please advise of this.

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.                                                    

[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

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

ombudsman service.

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.

It will show that you are willing to pay the account off.

about them not receiving your letters.

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

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.

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

Client reference number

Postal address

Postcode

Telephone number

Email address

for these details and this may delay your reply.

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Client reference number

Postal address

Postcode

Telephone number

Email address

for these details and this may delay your reply.

Client reference number

Postal address

Postcode

Telephone number

Email address

for these details and this may delay your reply.

From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

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________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

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represent the views of CCCS unless specifically stated to be so.

it has been checked using the Trend Virus Suite. You should check this email
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opinions and views of Wescot Credit Services Ltd.

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

represent the views of CCCS unless specifically stated to be so.

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

represent the views of CCCS unless specifically stated to be so.

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

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 thatWescot 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.

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 thatWescot 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.

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.