johncons

Stikkord: Acas

  • Jeg sendte en e-post til the Charity Commission

    Erik Ribsskog
    MD – 1076396 – LIVERPOOL CITIZENS ADVICE PARTNERSHIP [Charity complaint] – To Mr Erik Ribsskog CRM:0293907
    Erik Ribsskog  Mon, Jan 16, 2017 at 7:24 PM

    To: “PCT PB3 Correspondence (Queue)”

    Cc: PGREY@acas.org.uk

    Hi,

    yes, I contacted ACAS about the employement-case, back in 2009.

    But they didn’t want to give me advice in writing.

    I had to call them.

    And then they just told me: ‘It’s no excuse for ignoranse’, (as I remember it).

    But why they told me that, I’m not really sure about.

    So it was a bit strange contacting them, I have to say.

    I haven’t been aware of, that your organisation existed.

    Or else I would have sent about this earlier.

    You write that you haven recieved enough information.

    So I have found an e-mail, that I sent, to the CAB adjudicator, in April 2008.

    And I will paste that e-mail later in this e-mail.

    Thanks for the reply!

    Best regards,

    Erik Ribsskog

    PS.

    Here is more about this:

    From: eribsskog@gmail.com Erik Ribsskog 
    To: stow_adjudicator@btinternet.com 
    Date: Thu, 24 Apr 2008 17:27:17 +0100 
    Subject: Fwd: Fw: Citizens Advice 


    Hi,


    I said I would enclose the screenshot, so I’m sending the screenshot now,
    since I forgot
    to enclose it with the first e-mail.


    Hope this is alright!


    Yours sincerely,


    Erik Ribsskog


    ———- Forwarded message ———-
    From: Erik Ribsskog 
    Date: Apr 24, 2008 5:24 PM
    Subject: Re: Fw: Citizens Advice
    To: Barbara Stow

    Hi,

    thank you very much for your answer!

    I’ve been reading through your report now, and I have some comments on it.

    I hope it’s alright that I send you these comments!

    5.

    Here you write, that I left the employment with Arvato Services Ltd.

    What happened, was that the Managing Director ordered me home, with pay,
    since he wouldn’t let
    me stay and work there, since he feared for my security there, he said.

    Arvato, were supposed to call me, when they had checked up more about what
    went on in the company.

    They didn’t call me, but they pushed a ‘phoney’ letter under the door to the
    building I live in, which was
    written, by one the persons I had reported there, and which the Managing
    Director, had put in charge of
    the investigation of the problems I had reported.

    And then, I got a form, saying my employment there had ended.

    I reported about this to the Police, as continuing of the harassment, which
    is the way I saw it.

    Now lately, I’ve heard, that this type of dismissal, is also called
    ‘constructed dismissal’.

    So I didn’t leave the employment.

    I was the subject of a constructed dismissal.

    I thought I’d make a point of this, since this isn’t reflected in your
    report.

    9.

    You write that the area was poorly lit.

    It was in fact very poorly lit.

    One couldn’t read like a folder or a newspaper there.

    (At the Liverpool Central CAB premisses).

    And most of the meeting there, was held in the dark there.

    This isn’t reflected in your report I think, that the meeting was held in
    the
    dark, so that it wasn’t possible to read there.

    11.

    Morecrofts had promissed me, on 10/4, that they would take on the case, on a
    payment plan type
    of payment-solution.

    Miss Pool said this.

    So when they (Samantha) said on 24/4, that there could be no payment plan
    type of payment-solution,
    then the company, went back on what I had previously agreed with them.

    I thought I’d make a point of this as well, since I can’t see it’s reflected
    in your report.

    16.

    You write, that the second e-mail I sent the CAB Chief Executive David
    Harker, was sent him on 22/8,
    the same day as the automated reply for this e-mail was sent back.

    This isn’t right at all.

    My e-mail, was sent on 16/8.

    And the CEO’s automated, or ‘automated’ reply, was sent back, on 22/8.

    I’m a bit disapointed, since noone seem to think, that this is remarkable.

    Since I myself, think, that automated replies, shouldn’t be sent many days
    later.

    Since then, I suspect that they aren’t really automated at all.

    Then I would start to think, that there’s something phoney going on.

    So I’m a bit disapointed that you write that the second e-mail, that I sent
    the Chief Executive,
    was sent on 22/8, when it was in fact sent on 16/8.

    51.

    You write, that you have checked yourself, that the e-mail address, listed
    on

    www.liverpoolcab.org, now is the right e-mail address.

    But I checked it now, I went to the website, and pressed the e-mail-button.

    Then outlook opens, and the e-mail address that one get up, is:

    bureau@liverpoolcab.f9.co.uk

    and not the right e-mail address (bureau@liverpoolcab.org), like you write
    in your report.

    I’m enclosing a screenshot, from the Liverpool Central CAB website, from
    today, that shows this.

    52.

    You say that the complaint was dealt with fairly.

    But I don’t agree with this.

    Due to these reasons:

    1:

    The CAP-representative, said that the whole meeting there, on 5/4, was held
    with the lights on.

    But I explained, to the Chair there, that this was a lie.

    Since, he waited until the meeting was almost finished, before he switched
    the lights on.

    And before this, it wasn’t possible to read in the area.

    The fact, that the representative, read the fax-number, from the phone list,
    instead of the
    phone-number, to EAD, I think shows this, that the representative lied.

    But this fact, that the representative lied, has been ignored, by the Chair
    there, thats Chairman of
    the Board then, I presume. And by the CAB Chief Executive.

    I don’t think this is very fair.

    2:

    Further, you write, that e-mails were answered late.

    But some e-mails, like the ones I sent the Comlaints Manager there, Follows,
    weren’t answered at all.

    This isn’t reflected on, as far as I can see, in your report.

    3:

    And what about the problems with the automated reply.

    Or the ‘magic’ automated reply, would maybe be a better description of the
    nature of this reply.

    Since the automaded reply, waited, from 16/8, untill 22/8, before it found
    it right to send itself.

    Isn’t this a bit strange, that the CAB headoffice, is operating, with
    seemingly ‘magic’ automated replies?

    Why didn’t the Chief Executive reflect on this at all?

    Even if I made a point of it, in the compaint.

    So I don’t agree with you, that the complaint was dealt with fairly.

    And I also think also you yourself, should have maybe reflected more on, at
    least, point 1 and 3 here, in your report,
    since I made a point out of these issues, in my remarks, regarding the Stage
    3 report, from the Chief Executive.

    These are the issues that comes to mind, from reading your report now.

    So I thought I’d send you them, so that you could be aware, of the obvious
    errors you’ve made, with the Liverpool
    Central CAB’s e-mail address, on their website, which you write that you
    have checked, and you say it’s now
    the right address, which it isn’t.

    And the error, when you write, that my second e-mail to the Chief Executive,
    was sent on the same date, as the
    (‘magic’) automated reply, was sent back (22/8), when the e-mail was in fact
    sent on 16/8. (And not on 22/8,
    like you write in your report).

    So these are obvious errors, to do with obvious facts. So I don’t think this
    can be disputed.

    The other issues, surrounding that the lie from the CAB representative,
    isn’t reflected on.

    That the fact that the meeting there, was held in the dark, isn’t
    acknoledgded, even if I make a point of it in the
    answers to the various reports, I think is worrying.

    Since I explain what happened around this in detail.

    That I explain that the CAB representative read the fax-number to the
    EAD-company, instead of the phone-number.

    So it shouldn’t really be any doubt regarding if the meeting there, was held
    in the dark or not.

    I also explained, that there seemed to be some kind of ‘Street Theather’,
    arranged there, at the Liverpool Central CAB.

    That it seemed that there was a planned Street Theather operation, set up
    there, in connection with my meeting there
    on 5/4, last year.

    This isn’t taken seriously.

    I think this is probably something to do with, that I have been in contact,
    with the Liverpool Police, regarding something
    I overheard, when I was working in Norway, that I was followed, for some
    reason unclear to me, by some mafia.

    (Possibly due to some honour-stuff, due to some misunderstandings, with a
    collegue there, in the township, that the
    shop I worked as part-time team-leader in, besides my University level
    studies).

    When I got to Liverpool, I overheard that the Police-officer, that I
    explained to, that I was followed, said on the back-office,
    on St. Ann St. Police Station there, that ‘don’t he understand, that noone
    wants to be involved’.

    I think, that the British Police, after this, that they sent me out of the
    Police-station, without leting me explain properly,
    about this, why I thought I was being followed, have been having some type
    of survailance operation, around me.

    And that this Street Theater operation, at the CAB, last year, was part of
    this Police surveilance operation.

    So that the whole meeting there, wasn’t a proper meeting at all, just some
    kind of phoney set-up.

    I don’t think this is right.

    Because since Norway are part of the EU-market, then Norwegian citizens have
    the right, to work and live in Britain.

    And I have paid tax to the UK government, and to the Council.

    So I don’t think it’s right that my rights should be ignored, in a way like
    this, since the Police want’s to have some
    kind of set-ups, like it seems.

    Anyway, how this is, I can’t see that this is reflected on in your report.

    But I suspect, due to the mistakes in your report, that I’ve mentioned, and
    due to the many things you just ignore in it,
    and fail to reflect on.

    Due to this, I also suspect that your report, could be part of this phoney
    Police operation, or what this all is.

    So I think this is very poor.

    That the organisation, and system, around the CAB, that is supposed to work
    for making sure that peoples rights are
    respected, just play games with peoples rights in a way like this.

    Since I think it has to be something phoney going on here, since the whole
    CAB process around the meeting and
    the complaint, is obviously corrupt.

    So the reason that I’m writing this e-mail, isn’t really because that I
    think something will be done regarding the
    serious issues I’ve been pointing at here.

    But I’m planning to publish my e-mail on my blog, so then at least, I’ll be
    able to deal with this in that way, that
    I at least get this published, so that maybe someone reads this, and maybe
    react or reflect on what’s going on.

    So that’s really why I’m writing this e-mail.

    Just to explain about this.

    Hope this is alright!

    Yours sincerly,

    Erik Ribsskog

    On 4/24/08, Barbara Stow wrote:
    >
    > Dear Mr Eribsskog
    >
    > I enclose the report of my review of your complaint.
    >
    > I have also sent it to Citizens Advice. They will write to you within the
    > next two weeks when they have considered the report.
    >
    > Yours sincerely
    >
    >
    > Barbara Stow
    > Independent Adjudicator
    >
    >
    > —– Forwarded Message —-
    > From: Barbara Stow
    > To: Erik Ribsskog
    > Sent: Friday, 18 April, 2008 12:12:35 PM
    > Subject: Fw: Citizens Advice
    >
    > Dear Mr Ribsskog
    >
    > When I wrote to you on 1 April I said that I hoped to complete my review by
    > today, 18 April.
    >
    > I have almost done so but I am not yet quite ready to send the report.
    >
    > I am sorry for the delay. I will write to you again not later than the end
    > of next week.
    >
    > Yours sincerely
    >
    > Barbara Stow
    > Independent Adjudicator
    >
    >
    >
    >
    > —– Forwarded Message —-
    > From: Barbara Stow
    > To: Erik Ribsskog
    > Sent: Tuesday, 1 April, 2008 1:05:32 PM
    > Subject: Citizens Advice
    >
    > Dear Mr Ribsskog
    >
    > I am the independent adjudicator for the Citizens Advice service and I
    > write to confirm that Saffron Follows, on behalf of David Harker, has asked
    > me to review how your complaint has been dealt with. I am writing by e-mail
    > as I understand this is your preferred means of communication.
    >
    > I will consider whether your complaint has been dealt with in line with the
    > Citizens Advice national complaints procedure and fairly. I have no
    > authority to say whether your complaint justified. My task is to say
    > whether it has been considered properly.
    >
    > Ms Follows has sent me the correspondence about your complaint. This
    > includes the e-mail message of 14 March to David Harker in which you
    > accepted the offer that someone independent could look at your complaint.
    >
    > If there is anything more you would like to say to me about why you are
    > unhappy with the way your complaint has been considered, please let me know
    > at the e-mail address above.
    >
    > I hope to be able to complete my review by 18 April. If I have not heard
    > from you by 11 April I will assume that there is nothing you want to add to
    > what you have explained already.
    >
    > Yours sincerely
    >
    > Barbara Stow
    > Independent Adjudicator
    >
    >
    >
    >
    >
    >


    On Mon, Jan 16, 2017 at 1:16 PM, PCT PB3 Correspondence (Queue) <Operations3@charitycommission.gsi.gov.uk> wrote:

    Dear Mr Ribsskog


    LIVERPOOL CITIZENS ADVICE PARTNERSHIP – 1076396

    Thank you for your email dated 21 December 2016 about the above named charity.

    The Charity Commission (‘the Commission’) is the registrar and regulator of charities in England and Wales.  Our core role is to protect the public’s interest in the integrity of charity. We enable charities to deliver effective services whilst also ensuring their compliance with charity law.  We do this by working with charities through providing advice and guidance and setting out best practices to resolve any difficulties encountered.  To address matters of serious concern, we will intervene to protect the charity by using our legal powers where it is necessary and proportionate to do so.

    Trustees collectively have, and must accept, ultimate responsibility for directing the affairs of their charity, ensuring that it is solvent and well-run, and delivering the charitable outcomes for the benefit of the public for which it was set up in line with the requirements of the charity’s governing document, charity law, company law and any other relevant legislation.

    We have looked carefully at the information you have provided and we appreciate the time that you have taken to send this to the Charity Commission.  We note that you are in dispute with the charity over the employment law advice that you may have received from the charity.  However, unfortunately, we are unable to become involved on this occasion. This is because of the following reasons:

    ·         We have not received sufficient information that clearly demonstrates that charity law has been breached in this instance.  It would be unfair for us to act on unsubstantiated allegations or opinions which could disrupt a charity’s work and have a detrimental effect on its users and beneficiaries;

    ·         We cannot become involved in disputes over employment law issues.  In such instances, we would recommend that you contact ACAS (Advisory, Conciliation and Arbitration Service:) as this organisation provides information, advice, training, conciliation and other services for employers and employees to help prevent or resolve workplace problems.

    I trust that this response explains why we cannot become involved on this occasion.

    Yours sincerely

    Michael Delaney

    Charity Commission – Permissions and Compliance Team

  • Jeg lurer på om ACAS er mest for firmaene. Jeg lurer på om de har noen her som er mer for arbeidstagerne. Det må vel bli fagforeningen? Hm







    Google Mail – Advice about how to deal with employment-cases/Fwd: Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Advice about how to deal with employment-cases/Fwd: Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail




    Philip GREY

    <PGREY@acas.org.uk>


    Tue, Aug 4, 2009 at 11:50 AM





    To:

    eribsskog@gmail.com




    Dear Erik

    Thank you for your email to the Acas Events Team in Manchester.

    Acas are able to provide impartial information about Employment Law via our Helpline. If you wish to speak to one of our advisers you can contact us on 08457 47 47 47. We are open from 08:00 to 20:00 Monday

    to Friday and from 09:00 till 13:00 on Saturday's.

    Yours sincerely

    Philip Grey

    Acas, Manchester

    >>> Erik Ribsskog <eribsskog@gmail.com> 31/07/2009 03:43 >>>
    Hi,
    I looked at the ACAS website now, and saw that you were the ones to contact
    for problems in the North-West.

    I'm a Norwegian citizen, who lives in Liverpool, so I've understood that the
    North-West office, is the right office,
    for me to contact then, if I'm not mistaking.

    I have an employment-case, against Arvato, where I worked, in 2005 and 2006,
    where it was a lot of bullying,
    from managers, towards me, (and also others, but me in particular, I think),
    and I've also un-covered, that
    they were using illigal employment-methods, the team-leaders there, when
    they were screaming commands
    across the tables there, in the Cunard Building.

    (They were trained to do this screaming, which they called reinforcement,
    but really was punishment, I've
    understood later).

    I have a link to the employment-case, (which consists of a lot of
    documents), on this online publishing-
    site:

    http://www.scribd.com/groups/view/14830-arvato-services-ltd-s-microsoft-scandinavian-product-activation

    I've tried, since 2006, to find a law-firm, to help me with this case,
    because I think it's unworthy, for people
    to be treated, like I was treated, at Arvato, and I also lost my job there,
    since I was contstructivly dismissed,
    I have to say, when I tried to bring the problems there up with the higher
    management.

    But I can get any law-firms to help, since they say the case is to complex,
    since I also brought in the Police,
    since I thought it was much bullying, that it was a crime, and one law-firm,
    Moorcrofts, where messing with
    me, I think I have to say, so I've also brought in the Law Society, who also
    messed with me, I think I have
    to say, and also ditto with the Legal Services Ombudsman.

    So I try to get advice on how to deal with this.

    I think it's to serious problems, to bring up in a Work Trial, it should be
    dealt with in the court, I think.

    It might seem strange, that I'm asking for advice, about a case from 2006,
    but I have been working with
    this case, continously, since then, so it still be an up and running case,
    so to speak.

    Other than this, I'm also trying to get advice about the problems with the
    Financial Ombudsman.

    They have put a woman there, to work, with sending e-mails etc, on 6 am, on
    Sunday mornings!!

    I'm a bit worried that this woman is being used as a slave there, and she
    obviously has been working
    so much, that she has lost a bit of her judgement, since she's emailing
    bank-complaint e-mails,
    to people, while people in the UK are still on their way home from the pub.

    People want their Sundays off from Bank-complaints, and things like that, so
    I think I was harassed
    by the Financial Ombudsman, and I fear for how they treat their staff there,
    since I've been working
    as a food shop manager, in Norway, for ten years, from 1994 to 2004, then I
    automatically thinks
    about this perspective, how on earth are the Financial Ombudsman treating
    their staff, so I wanted
    ACAS to have a look at that, that the people working for the Financial
    Ombudsman, aren't being
    used as slaves etc., like it can seem a bit to me.

    I hope that you can help me with these cases!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Natalie Bodden <NBodden@ecgroup.co.uk>
    Date: Fri, Jul 24, 2009 at 9:42 AM
    Subject: RE: Reminder/Fwd: The Finacial Ombudsman, using staff as
    slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail
    To: Erik Ribsskog <    eribsskog@gmail.com>

    Unfortunately we are unable to advice on this query via email; this
    facility is solely for ordering hard copy Acas publications. Please call the
    Acas helpline on *08457 47 47 47* to speak to a trained advisor.

    Alternatively, please visit the Acas website at www.acas.org.uk, there is a
    search option on the homepage where you may type in key words. This search
    will bring up all publications that cover this subject. The website will
    list the publications available and all prices (although some are free).
    From there, you can order through the website using a credit card (if you
    are ordering priced publications) or, you can e-mail me with the stock
    codes, quantities and a delivery address. I will order the publications for
    you the same day.

    Kind regards,

    *Natalie Bodden*

    Account Executive

    +44 (0) 20 8867 3324

    *nbodden@ecgroup.co.uk*

    www.ecgroup.co.uk

    —–Original Message—–
    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]
    *Sent:* 23 July 2009 22:27
    *To:* ACAS-01
    *Subject:* Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd:
    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm sending
    you this reminder.

    Best Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: *Erik Ribsskog* <eribsskog@gmail.com>
    Date: Tue, Jun 30, 2009 at 4:48 PM
    Subject: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint
    against RBS/Fwd: Earlier e-mail
    To:     acas@eclogistics.co.uk

    Hi,

    I've contacted you earlier, about that I was being used as a slave, and that

    they had illigal management methods, at Bertelsmanns Scand.
    Microsoft-activation,

    in Liverpool.

    Now, people at the Financial Ombudsman, are also being used as slaves, it
    seems.

    Or this could be connected with a cover-up, of the
    Bertelsmann/Microsoft-case, that

    I am being bullied by Government, to cover up what went on there.

    Please send this e-mail to the right people in Acas.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: *Erik Ribsskog* <eribsskog@gmail.com>
    Date: Tue, Jun 30, 2009 at 4:31 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail
    To: "Collins, Jackie" <    jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you overload your representatives with work, and that
    they have to

    work 12 to 14 hours 7 days a week.

    I thought slavery was forbidden in our time.

    Why do you let your representatives work every Sunday morning, when other
    people in

    England are on their way home from the pub?

    Do your staff get summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <
    jackie.collins@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    We always try to provide the best service we can to our customers, and
    sometimes that means offering our staff the option of working overtime
    during very busy periods.

    Please be assured that they have to work within strict time guidelines, and
    these are always checked by Operations Managers to ensure they are not
    working too many hours.

    The service our department offers is outside of the usual office hours of
    9am till 5pm because we have found that a lot of our customers have
    difficulties contacting us whilst they are at work themselves during the 9am
    to 5pm times, so we have opening hours of 8am – 6pm, as do many firms these
    days.

    I hope this explains.

    Regards

    *Jackie Collins*
    *Operations Manager*
    *Direct Dial : 020 7964 0116*
    *Direct Fax: 020 7964 0117*

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 29 June 2009 19:32
    *To:* Collins, Jackie

    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every Sunday
    then?

    Shouldn't you as a main rule conduct your business, within the business
    hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie <
    jackie.collins@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Rosemary Cox has passed your complaint to me to take over as you have
    requested that she no longer deals with your case.

    I can confirmed that a letter has been sent to the firm, and we have asked
    that they issue you with a final response letter within 14 days. We have
    also asked them to copy us in on that response.

    If you remain unhappy with the firms response, or you have not received a
    response from them within 14 days, please let me know and I will arrange for
    your complaint to be moved forward for investigation by an Adjudicator.

    Regards

    *Jackie Collins*
    *Operations Manager*
    *Direct Dial : 020 7964 0116*
    *Direct Fax: 020 7964 0117*

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]
    *Sent:* 28 June 2009 11:17
    *To:* Cox, Rosemary
    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with complaints like these, one obviously needs ones
    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't think
    this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I said, that I
    want someone else

    to deal with my complaint, due to that I think that you must be overworked.

    Haven't you seen how fine the weather is today, you should have a day off in
    the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary <
    Rosemary.Cox@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e-mails

    As previously advised I am not going to debate with you the working hours of
    this office.

    I have written to you today to advise the steps we are taking with your
    complaint. If the firm fail to resolve the situation for you, your complaint
    will be passed onto our adjudication area for further consideration of the
    concerns you have raised.

    I should add that we do not tolerate rude or insulting language at this
    office, and would expect any further communication to be sent in a more
    acceptable manner.

    Kind Regards

    Rose Cox

    team manager

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 28 June 2009 10:43

    *To:* Cox, Rosemary
    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the
    business-e-mails when they are drunk, which is what has happened today, with
    our correspondence.

    If this is something, you didn't know from before, then I think this
    Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary <
    Rosemary.Cox@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I must admit to being surprised and confused with the content of the e-mail.

    We are an extremely busy department and we often work at the weekends, this
    is obviously of help to consumers as we are able to deal with their
    complaints in a more timely manner. I would suggest that It is entirely up
    to each individual business to determine which hours their staff will work
    and I do not intend debating this with you.

    By working this weekend I have been able to deal with your complaint, which
    as you can appreciate is of a benefit to you.

    Perhaps you can clarify the spelling mistakes you are referring to?

    Kind Regards

    Rose Cox

    team manager

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 28 June 2009 10:20

    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to send e-mails
    on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you think?

    This is what it says on Wikipedia:

    In the United States <http://en.wikipedia.org/wiki/United_States> and United
    Kingdom <    http://en.wikipedia.org/wiki/United_Kingdom>, the hours between 9
    am <    http://en.wikipedia.org/wiki/12-hour_clock> and 5
    pm<    http://en.wikipedia.org/wiki/12-hour_clock> are
    typically considered to be standard business hours

    http://en.wikipedia.org/wiki/Business_hours

    <http://en.wikipedia.org/wiki/Business_hours>I think this is rather akward,
    as I also think your spelling-mistakes are.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary <
    Rosemary.Cox@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out that we are not a government
    department, we are a independent complaints body.

    I will be in touch with your again in the next few days

    Kind Regards

    Rose Cox

    team manager

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 28 June 2009 08:02

    *To:* Cox, Rosemary
    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway, work on
    Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary <
    Rosemary.Cox@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not a joke, I am currently in the office working
    today.

    I presume that you would like us to deal with your complaint, so am
    responding to your e-mails today

    Kind Regards

    Rose Cox

    team manager

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 28 June 2009 07:36
    *To:* Cox, Rosemary
    *Subject:* Re: Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary <
    Rosemary.Cox@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e-mails

    I will contact you again once I have considered the information.

    Kind Regards

    Rose Cox

    team manager

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]

    *Sent:* 27 June 2009 14:59
    *To:* Cox, Rosemary
    *Subject:* Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog', even if my name

    is Erik, and in Britain, you have a movie called 'Erik the Viking', and Eric
    is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way that RBS,

    gave me the bonus of £100, for moving my account to them, from Barclays,

    (who I also had problems with, that I'll exlain about to your collegue, like
    I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't look anything at
    all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with other financial
    institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks, perhaps
    someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll also find the
    actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: *Williams, Yvonne (CRU)* <Yvonne.Williams@rbs.co.uk>
    Date: Tue, Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik Ribsskog <    eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be sent to me for my
    investigation

    Regards

    Yvonne Williams

    ——————————

    *From:* Erik Ribsskog [mailto:eribsskog@gmail.com]
    *Sent:* 19 June 2007 14:04
    *To:* Williams, Yvonne (CRU)
    *Subject:* Earlier e-mail

    *** WARNING : This message originates from the Internet ***

    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail, because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered
    Office: 36 St Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the Financial Services Authority.

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  • Jeg sendte en e-post om problemene hos Arvato og hos the Financial Ombudsman til ACAS i Manchester







    Google Mail – Advice about how to deal with employment-cases/Fwd: Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Advice about how to deal with employment-cases/Fwd: Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail




    Erik Ribsskog

    <eribsskog@gmail.com>


    Fri, Jul 31, 2009 at 3:43 AM





    To:

    manchesterevents@acas.org.uk



    Hi,

    I looked at the ACAS website now, and saw that you were the ones to contact for problems in the North-West.
    I'm a Norwegian citizen, who lives in Liverpool, so I've understood that the North-West office, is the right office,

    for me to contact then, if I'm not mistaking.
    I have an employment-case, against Arvato, where I worked, in 2005 and 2006, where it was a lot of bullying,
    from managers, towards me, (and also others, but me in particular, I think), and I've also un-covered, that

    they were using illigal employment-methods, the team-leaders there, when they were screaming commands
    across the tables there, in the Cunard Building.
    (They were trained to do this screaming, which they called reinforcement, but really was punishment, I've

    understood later).
    I have a link to the employment-case, (which consists of a lot of documents), on this online publishing-
    site:

    I've tried, since 2006, to find a law-firm, to help me with this case, because I think it's unworthy, for people
    to be treated, like I was treated, at Arvato, and I also lost my job there, since I was contstructivly dismissed,

    I have to say, when I tried to bring the problems there up with the higher management.
    But I can get any law-firms to help, since they say the case is to complex, since I also brought in the Police,

    since I thought it was much bullying, that it was a crime, and one law-firm, Moorcrofts, where messing with
    me, I think I have to say, so I've also brought in the Law Society, who also messed with me, I think I have

    to say, and also ditto with the Legal Services Ombudsman.
    So I try to get advice on how to deal with this.
    I think it's to serious problems, to bring up in a Work Trial, it should be dealt with in the court, I think.

    It might seem strange, that I'm asking for advice, about a case from 2006, but I have been working with
    this case, continously, since then, so it still be an up and running case, so to speak.

    Other than this, I'm also trying to get advice about the problems with the Financial Ombudsman.

    They have put a woman there, to work, with sending e-mails etc, on 6 am, on Sunday mornings!!
    I'm a bit worried that this woman is being used as a slave there, and she obviously has been working
    so much, that she has lost a bit of her judgement, since she's emailing bank-complaint e-mails,

    to people, while people in the UK are still on their way home from the pub.
    People want their Sundays off from Bank-complaints, and things like that, so I think I was harassed
    by the Financial Ombudsman, and I fear for how they treat their staff there, since I've been working

    as a food shop manager, in Norway, for ten years, from 1994 to 2004, then I automatically thinks
    about this perspective, how on earth are the Financial Ombudsman treating their staff, so I wanted

    ACAS to have a look at that, that the people working for the Financial Ombudsman, aren't being
    used as slaves etc., like it can seem a bit to me.
    I hope that you can help me with these cases!

    Yours sincerely,
    Erik Ribsskog

    ———- Forwarded message ———-
    From: Natalie Bodden <NBodden@ecgroup.co.uk>

    Date: Fri, Jul 24, 2009 at 9:42 AM
    Subject: RE: Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Unfortunately we are unable to advice on this query via

    email; this facility is solely for ordering hard copy Acas publications. Please

    call the Acas helpline on 08457 47 47 47

    to speak to a trained advisor.

    Alternatively, please visit the Acas website at www.acas.org.uk,

    there

    is a search option on the homepage where you may type in key words. This

    search will bring up all publications that cover this subject. The website will

    list the publications available and all prices (although some are free). From

    there, you can order through the website using a credit card (if you are

    ordering priced publications) or, you can e-mail me with the stock codes,

    quantities and a delivery address. I will order the publications for you the

    same day.

    Kind regards,

    Natalie Bodden

    Account Executive

    +44 (0) 20 8867 3324

    nbodden@ecgroup.co.uk

    www.ecgroup.co.uk

    —–Original Message—–

    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]

    Sent: 23 July 2009 22:27

    To: ACAS-01

    Subject: Reminder/Fwd: The

    Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd:

    Earlier e-mail

    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm sending you

    this reminder.

    Best Regards,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:48 PM

    Subject: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against

    RBS/Fwd: Earlier e-mail

    To: acas@eclogistics.co.uk

    Hi,

    I've contacted you

    earlier, about that I was being used as a slave, and that

    they had illigal

    management methods, at Bertelsmanns Scand. Microsoft-activation,

    in Liverpool.

    Now, people at the

    Financial Ombudsman, are also being used as slaves, it seems.

    Or this could be connected with a cover-up, of the Bertelsmann/Microsoft-case,

    that

    I am being bullied by

    Government, to cover up what went on there.

    Please send this e-mail

    to the right people in Acas.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:31 PM

    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail

    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to

    6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you

    overload your representatives with work, and that they have to

    work 12 to 14 hours 7

    days a week.

    I thought slavery was

    forbidden in our time.

    Why do you let your

    representatives work every Sunday morning, when other people in

    England are on their way

    home from the pub?

    Do your staff get

    summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at

    9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and sometimes

    that means offering our staff the option of working overtime during very busy

    periods.

    Please

    be assured that they have to work within strict time guidelines, and these are

    always checked by Operations Managers to ensure they are not working too many

    hours.

    The

    service our department offers is outside of the usual office hours of 9am

    till 5pm because we have found that a lot of our customers have difficulties

    contacting us whilst they are at work themselves during the 9am to 5pm times,

    so we have opening hours of 8am – 6pm, as do many firms these days.

    I hope this

    explains.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 29 June

    2009 19:32

    To: Collins, Jackie

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Ok,

    that sound very fine!

    But, why is that you let

    your representatives work over-time every Sunday then?

    Shouldn't you as a main rule conduct your business, within the business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at

    3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Rosemary

    Cox has passed your complaint to me to take over as you have requested that she

    no longer deals with your case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that they issue

    you with a final response letter within 14 days. We have also asked them

    to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a response

    from them within 14 days, please let me know and I will arrange for your

    complaint to be moved forward for investigation by an Adjudicator.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117



    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 11:17

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    I don't think it's any

    use with me repeating myself.

    I don't think you should

    handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with

    complaints like these, one obviously needs ones judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't think this

    is good for how the

    complaint is being dealt

    with.

    So please do as I ask Mrs .Cox, and tell your manager what I said, that I want

    someone else

    to deal with my

    complaint, due to that I think that you must be overworked.

    Haven't you seen how fine the weather is today, you should have a day off in

    the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    As previously advised I

    am not going to debate with you the working hours of this office.

    I have written to you

    today to advise the steps we are taking with your complaint. If the firm fail

    to resolve the situation for you, your complaint will be passed onto our

    adjudication area for further consideration of the concerns you have raised.

    I should add that we do

    not tolerate rude or insulting language at this office, and would expect any

    further communication to be sent in a more acceptable manner.

    Kind Regards

    Rose Cox

    team manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:43

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on

    Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails

    when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn't know from before, then I think this Financial

    Ombudsman-stuff is just a load of crap really.

    Try to use the head that

    God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I must

    admit to being surprised and confused with the content of the e-mail.

    We are

    an extremely busy department and we often work at the weekends, this is

    obviously of help to consumers as we are able to deal with their

    complaints in a more timely manner. I would suggest that It is entirely

    up to each individual business to determine which hours their staff will work

    and I do not intend debating this with you.

    By

    working this weekend I have been able to deal with your complaint, which as you

    can appreciate is of a benefit to you.

    Perhaps

    you can clarify the spelling mistakes you are referring to?

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi again,

    don't you think it's

    strange for an institutions like yours to send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you think?

    This is what it says on

    Wikipedia:

    In

    the United States and United Kingdom, the hours between

    9 am and 5 pm are typically considered to be

    standard business hours

    I think

    this is rather akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    That's

    no problem, however I should point out that we are not a government department,

    we are a independent complaints body.

    I will

    be in touch with your again in the next few days

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 08:02

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm

    just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway, work on

    Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:54 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I can

    assure you this is not a joke, I am currently in the office working today.

    I

    presume that you would like us to deal with your complaint, so am responding to

    your e-mails today

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 07:36

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails

    early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mails

    I will

    contact you again once I have considered the information.

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 27 June 2009 14:59

    To: Cox, Rosemary

    Subject: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail,

    that I recieved today.

    I'll contact your collegue back, regarding the Barclays-complaint.

    I sent the complaint on

    RBS Dale St., to Yvonne Williams at RBS, but she

    also harassed me, like

    this, she writes 'Dear Ms Ribsskog', even if my name

    is Erik, and in Britain,

    you have a movie called 'Erik the Viking', and Eric is

    also a quite usual name,

    in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also bullied me.

    I think this must have

    been a deliberate mistake.

    This ended with the

    complaint being partly resolved, in the way that RBS,

    gave me the bonus of

    £100, for moving my account to them, from Barclays,

    (who I also had problems

    with, that I'll exlain about to your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't look anything at all

    like the ones you've sent

    me now.

    Maybe the complaint-form I was sent, was to do with other financial

    institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other

    complaint-forms, other than to banks, perhaps someone

    sent me the wrong form

    intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll also find the actual

    RBS Dale St. complaint,

    and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———-

    Forwarded message ———-

    From: Williams, Yvonne (CRU) <Yvonne.Williams@rbs.co.uk>

    Date: Tue, Jun 26, 2007 at 4:30 PM

    Subject: RE: Earlier e-mail

    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms

    Ribsskog

    Could

    you please arrange another copy of your email to be sent to me for my

    investigation

    Regards

    Yvonne

    Williams



    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 19 June 2007 14:04

    To: Williams, Yvonne (CRU)

    Subject: Earlier e-mail

    ***

    WARNING : This message originates from the Internet ***

    Hi,

    I'm refering to the

    e-mail I sent you on 5/6.

    I was just wondering if

    you have recieved this e-mail, because I cant see

    that I have recieved any

    answer to it yet.

    Please just contact me if

    you want me to send you the e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of Scotland plc, Registered in

    Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the Financial

    Services Authority.

    This e-mail message is confidential and for use

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    avoid the transmission of viruses, it is the responsibility of the recipient to

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    This email has originated from the Financial Ombudsman

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  • Det gikk visst ikke ann å ta opp problemene hos the Financial Ombudsman med Acas, pr. e-post, man måtte visst ringe. (In Norwegian)







    Google Mail – Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail




    Natalie Bodden

    <NBodden@ecgroup.co.uk>


    Fri, Jul 24, 2009 at 9:42 AM





    To:

    Erik Ribsskog <eribsskog@gmail.com>




    Unfortunately we are unable to advice on this query via

    email; this facility is solely for ordering hard copy Acas publications. Please

    call the Acas helpline on 08457 47 47 47

    to speak to a trained advisor.

    Alternatively, please visit the Acas website at www.acas.org.uk,

    there

    is a search option on the homepage where you may type in key words. This

    search will bring up all publications that cover this subject. The website will

    list the publications available and all prices (although some are free). From

    there, you can order through the website using a credit card (if you are

    ordering priced publications) or, you can e-mail me with the stock codes,

    quantities and a delivery address. I will order the publications for you the

    same day.

    Kind regards,

    Natalie Bodden

    Account Executive

    +44 (0) 20 8867 3324

    nbodden@ecgroup.co.uk

    www.ecgroup.co.uk

    —–Original Message—–

    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]

    Sent: 23 July 2009 22:27

    To: ACAS-01

    Subject: Reminder/Fwd: The

    Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd:

    Earlier e-mail


    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm sending you

    this reminder.

    Best Regards,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:48 PM

    Subject: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against

    RBS/Fwd: Earlier e-mail

    To: acas@eclogistics.co.uk

    Hi,

    I've contacted you

    earlier, about that I was being used as a slave, and that

    they had illigal

    management methods, at Bertelsmanns Scand. Microsoft-activation,

    in Liverpool.

    Now, people at the

    Financial Ombudsman, are also being used as slaves, it seems.

    Or this could be connected with a cover-up, of the Bertelsmann/Microsoft-case,

    that

    I am being bullied by

    Government, to cover up what went on there.

    Please send this e-mail

    to the right people in Acas.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:31 PM

    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail

    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to

    6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you

    overload your representatives with work, and that they have to

    work 12 to 14 hours 7

    days a week.

    I thought slavery was

    forbidden in our time.

    Why do you let your

    representatives work every Sunday morning, when other people in

    England are on their way

    home from the pub?

    Do your staff get

    summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at

    9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and sometimes

    that means offering our staff the option of working overtime during very busy

    periods.

    Please

    be assured that they have to work within strict time guidelines, and these are

    always checked by Operations Managers to ensure they are not working too many

    hours.

    The

    service our department offers is outside of the usual office hours of 9am

    till 5pm because we have found that a lot of our customers have difficulties

    contacting us whilst they are at work themselves during the 9am to 5pm times,

    so we have opening hours of 8am – 6pm, as do many firms these days.

    I hope this

    explains.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 29 June

    2009 19:32

    To: Collins, Jackie

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Ok,

    that sound very fine!

    But, why is that you let

    your representatives work over-time every Sunday then?

    Shouldn't you as a main rule conduct your business, within the business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at

    3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Rosemary

    Cox has passed your complaint to me to take over as you have requested that she

    no longer deals with your case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that they issue

    you with a final response letter within 14 days. We have also asked them

    to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a response

    from them within 14 days, please let me know and I will arrange for your

    complaint to be moved forward for investigation by an Adjudicator.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117



    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 11:17

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    I don't think it's any

    use with me repeating myself.

    I don't think you should

    handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with

    complaints like these, one obviously needs ones judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't think this

    is good for how the

    complaint is being dealt

    with.

    So please do as I ask Mrs .Cox, and tell your manager what I said, that I want

    someone else

    to deal with my

    complaint, due to that I think that you must be overworked.

    Haven't you seen how fine the weather is today, you should have a day off in

    the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    As previously advised I

    am not going to debate with you the working hours of this office.

    I have written to you

    today to advise the steps we are taking with your complaint. If the firm fail

    to resolve the situation for you, your complaint will be passed onto our

    adjudication area for further consideration of the concerns you have raised.

    I should add that we do

    not tolerate rude or insulting language at this office, and would expect any

    further communication to be sent in a more acceptable manner.

    Kind Regards

    Rose Cox

    team manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:43

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on

    Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails

    when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn't know from before, then I think this Financial

    Ombudsman-stuff is just a load of crap really.

    Try to use the head that

    God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I must

    admit to being surprised and confused with the content of the e-mail.

    We are

    an extremely busy department and we often work at the weekends, this is

    obviously of help to consumers as we are able to deal with their

    complaints in a more timely manner. I would suggest that It is entirely

    up to each individual business to determine which hours their staff will work

    and I do not intend debating this with you.

    By

    working this weekend I have been able to deal with your complaint, which as you

    can appreciate is of a benefit to you.

    Perhaps

    you can clarify the spelling mistakes you are referring to?

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi again,

    don't you think it's

    strange for an institutions like yours to send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you think?

    This is what it says on

    Wikipedia:

    In

    the United States and United Kingdom, the hours between

    9 am and 5 pm are typically considered to be

    standard business hours

    I think

    this is rather akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    That's

    no problem, however I should point out that we are not a government department,

    we are a independent complaints body.

    I will

    be in touch with your again in the next few days

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 08:02

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm

    just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway, work on

    Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:54 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I can

    assure you this is not a joke, I am currently in the office working today.

    I

    presume that you would like us to deal with your complaint, so am responding to

    your e-mails today

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 07:36

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails

    early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mails

    I will

    contact you again once I have considered the information.

    Kind

    Regards

    Rose Cox

    team

    manager



    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 27 June 2009 14:59

    To: Cox, Rosemary

    Subject: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail,

    that I recieved today.

    I'll contact your collegue back, regarding the Barclays-complaint.

    I sent the complaint on

    RBS Dale St., to Yvonne Williams at RBS, but she

    also harassed me, like

    this, she writes 'Dear Ms Ribsskog', even if my name

    is Erik, and in Britain,

    you have a movie called 'Erik the Viking', and Eric is

    also a quite usual name,

    in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also bullied me.

    I think this must have

    been a deliberate mistake.

    This ended with the

    complaint being partly resolved, in the way that RBS,

    gave me the bonus of

    £100, for moving my account to them, from Barclays,

    (who I also had problems

    with, that I'll exlain about to your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't look anything at all

    like the ones you've sent

    me now.

    Maybe the complaint-form I was sent, was to do with other financial

    institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other

    complaint-forms, other than to banks, perhaps someone

    sent me the wrong form

    intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll also find the actual

    RBS Dale St. complaint,

    and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———-

    Forwarded message ———-

    From: Williams, Yvonne (CRU) <Yvonne.Williams@rbs.co.uk>

    Date: Tue, Jun 26, 2007 at 4:30 PM

    Subject: RE: Earlier e-mail

    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms

    Ribsskog

    Could

    you please arrange another copy of your email to be sent to me for my

    investigation

    Regards

    Yvonne

    Williams



    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 19 June 2007 14:04

    To: Williams, Yvonne (CRU)

    Subject: Earlier e-mail

    ***

    WARNING : This message originates from the Internet ***

    Hi,

    I'm refering to the

    e-mail I sent you on 5/6.

    I was just wondering if

    you have recieved this e-mail, because I cant see

    that I have recieved any

    answer to it yet.

    Please just contact me if

    you want me to send you the e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of Scotland plc, Registered in

    Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the Financial

    Services Authority.

    This e-mail message is confidential and for use

    by the addressee only. If the message is received by anyone other than the

    addressee, please return the message to the sender by replying to it and then

    delete the message from your computer. Internet e-mails are not necessarily

    secure. The Royal Bank of Scotland plc does not accept responsibility for

    changes made to this message after it was sent.

    Whilst all reasonable care has been taken to

    avoid the transmission of viruses, it is the responsibility of the recipient to

    ensure that the onward transmission, opening or use of this message and any

    attachments will not adversely affect its systems or data. No responsibility is

    accepted by The Royal Bank of Scotland plc in this regard and the recipient

    should carry out such virus and other checks as it considers appropriate.



    This e-mail and any attachments are

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    Unless otherwise indicated, this e-mail has no

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    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial Ombudsman

    Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom.

    Registered as a limited company in England and Wales No. 3725015. Registered

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    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

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    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

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    any loss or damage which may be caused by software viruses or by interception

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    Unless otherwise indicated, this e-mail has no

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    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.





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    This email has originated from the Financial

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    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.





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    Unless otherwise indicated, this e-mail has no

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    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.





    This e-mail and any attachments are

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  • Jeg sendte en purring til Acas. (In Norwegian)







    Google Mail – Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail




    Erik Ribsskog

    <eribsskog@gmail.com>


    Thu, Jul 23, 2009 at 10:26 PM





    To:

    acas@eclogistics.co.uk



    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm sending you this reminder.
    Best Regards,
    Erik Ribsskog
    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, Jun 30, 2009 at 4:48 PM
    Subject: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail

    To: acas@eclogistics.co.uk

    Hi,

    I've contacted you earlier, about that I was being used as a slave, and that
    they had illigal management methods, at Bertelsmanns Scand. Microsoft-activation,

    in Liverpool.

    Now, people at the Financial Ombudsman, are also being used as slaves, it seems.
    Or this could be connected with a cover-up, of the Bertelsmann/Microsoft-case, that
    I am being bullied by Government, to cover up what went on there.

    Please send this e-mail to the right people in Acas.
    Yours sincerely,
    Erik Ribsskog

    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, Jun 30, 2009 at 4:31 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail

    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.
    It seems to me that you overload your representatives with work, and that they have to

    work 12 to 14 hours 7 days a week.
    I thought slavery was forbidden in our time.
    Why do you let your representatives work every Sunday morning, when other people in

    England are on their way home from the pub?
    Do your staff get summer-holiday at all?
    Sincerely,
    Erik Ribsskog


    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    We always try to provide the best service we can to our

    customers, and sometimes that means offering our staff the option of working

    overtime during very busy periods.

    Please be assured that they have to work within strict time

    guidelines, and these are always checked by Operations Managers to ensure they

    are not working too many hours.

    The service our department offers is outside of the usual

    office hours of 9am till 5pm because we have found that a lot of our

    customers have difficulties contacting us whilst they are at work themselves

    during the 9am to 5pm times, so we have opening hours of 8am – 6pm, as do

    many firms these days.

    I hope this explains.

    Regards

    Jackie

    Collins
    Operations Manager
    Direct Dial : 020 7964

    0116
    Direct Fax: 020 7964 0117

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 29 June 2009 19:32
    To: Collins,

    Jackie

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every Sunday

    then?

    Shouldn't you as a main rule conduct your business, within the business

    hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Rosemary

    Cox has passed your complaint to me to take over as you have requested that

    she no longer deals with your case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that they

    issue you with a final response letter within 14 days. We have also

    asked them to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a response

    from them within 14 days, please let me know and I will arrange for your

    complaint to be moved forward for investigation by an

    Adjudicator.

    Regards

    Jackie Collins
    Operations Manager

    Direct Dial

    : 020 7964 0116
    Direct Fax: 020 7964

    0117

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 11:17
    To: Cox,

    Rosemary
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with complaints like these, one obviously needs ones

    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't

    think this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I said,

    that I want someone else

    to deal with my complaint, due to that I think that you must be

    overworked.

    Haven't you seen how fine the weather is today, you should have a day

    off in the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:


    Dear Mr Ribsskog


    Thank you for your

    e-mails


    As previously advised I am not going to debate

    with you the working hours of this office.


    I have written to you today to advise the steps

    we are taking with your complaint. If the firm fail to resolve the situation

    for you, your complaint will be passed onto our adjudication area for

    further consideration of the concerns you have

    raised.


    I should add that we do

    not tolerate rude or insulting language at this office, and

    would expect any further communication to be sent in a more acceptable

    manner.


    Kind Regards


    Rose Cox


    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009

    10:43

    To: Cox, Rosemary
    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the

    business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the

    business-e-mails when they are drunk, which is what has happened today, with

    our correspondence.

    If this is something, you didn't know from before, then I think

    this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Thank

    you for your e-mail

    I must admit to being surprised and

    confused with the content of the

    e-mail    .

    We are an extremely busy department and we often work at the

    weekends, this is obviously of help to consumers as we are able

    to deal with their complaints in a more timely manner. I would

    suggest that     It is entirely up to each individual

    business to determine which hours their staff will work and I do not

    intend debating this with you.

    By working this weekend I have been able to deal with your

    complaint, which as you can appreciate is of a benefit to

    you.

    Perhaps you can clarify the spelling mistakes you are referring

    to?

    Kind

    Regards

    Rose

    Cox

    team

    manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 10:20

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to send

    e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you

    think?

    This is what it says on Wikipedia:

    In

    the United

    States     and United

    Kingdom    , the hours between 9 am and 5 pm are typically considered to be standard business

    hours



    I

    think this is rather akward, as I also think your spelling-mistakes

    are.


    Sincerely,


    Erik Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out that we

    are not a government department, we are a independent complaints

    body.

    I will be in touch with your again in the next few

    days

    Kind

    Regards

    Rose

    Cox

    team

    manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government in

    Norway, work on Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any

    longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not a

    joke, I am currently in the office working

    today.

    I presume that you

    would like us to deal with your complaint, so am responding to your

    e-mails today

    Kind Regards

    Rose Cox

    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 07:36
    To: Cox, Rosemary
    Subject: Re:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the

    way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    I will contact you again once

    I have considered the

    information.

    Kind Regards

    Rose Cox

    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 27

    June 2009 14:59
    To: Cox, Rosemary
    Subject:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the

    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at

    RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog',

    even if my name

    is Erik, and in Britain, you have a movie called 'Erik the

    Viking', and Eric is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator,

    also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way

    that RBS,

    gave me the bonus of £100, for moving my account to them, from

    Barclays,

    (who I also had problems with, that I'll exlain about to your

    collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St.

    now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't

    look anything at all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with other

    financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks,

    perhaps someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll

    also find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message

    ———-
    From: Williams, Yvonne

    (CRU)     <Yvonne.Williams@rbs.co.uk>
    Date: Tue,

    Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik

    Ribsskog <eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be

    sent to me for my investigation

    Regards

    Yvonne Williams

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 June 2007

    14:04
    To: Williams, Yvonne (CRU)
    Subject:

    Earlier e-mail

    *** WARNING : This message originates

    from the Internet ***


    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail,

    because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail

    again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of

    Scotland plc, Registered in Scotland No. 90312. Registered Office:

    36 St Andrew Square, Edinburgh EH2 2YB

    Authorised and

    regulated by the Financial Services Authority.

    This e-mail

    message is confidential and for use by the addressee only. If the

    message is received by anyone other than the addressee, please

    return the message to the sender by replying to it and then delete

    the message from your computer. Internet e-mails are not necessarily

    secure. The Royal Bank of Scotland plc does not accept

    responsibility for changes made to this message after it was

    sent.

    Whilst all reasonable care has been taken to avoid the

    transmission of viruses, it is the responsibility of the recipient

    to ensure that the onward transmission, opening or use of this

    message and any attachments will not adversely affect its systems or

    data. No responsibility is accepted by The Royal Bank of Scotland

    plc in this regard and the recipient should carry out such virus and

    other checks as it considers

    appropriate.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not

    the intended recipient, please notify the sender immediately and

    delete this e-mail and any attachment from your system. If you are

    not the intended recipient you must not copy, disclose or take any

    action in reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this

    communication. We accept no liability for any loss or damage which

    may be caused by software viruses or by interception or interruption

    of this mail.

    Unless otherwise indicated, this e-mail

    has no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this

    e-mail are those of the author and do not necessarily reflect those

    of the Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete

    this e-mail and any attachment from your system. If you are not the

    intended recipient you must not copy, disclose or take any action in

    reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this e-mail

    are those of the author and do not necessarily reflect those of the

    Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s) indicated

    in it. The statements and opinions expressed in this e-mail are those of

    the author and do not necessarily reflect those of the Financial

    Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should carry

    out your own virus checks on the contents of this communication. We accept

    no liability for any loss or damage which may be caused by software

    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in

    it. The statements and opinions expressed in this e-mail are those of the

    author and do not necessarily reflect those of the Financial Ombudsman

    Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been checked

    by virus detection software before transmission. You should carry out your

    own virus checks on the contents of this communication. We accept no

    liability for any loss or damage which may be caused by software viruses or

    by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it.

    The statements and opinions expressed in this e-mail are those of the author

    and do not necessarily reflect those of the Financial Ombudsman Service

    Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been checked

    by virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception

    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it.

    The statements and opinions expressed in this e-mail are those of the author

    and do not necessarily reflect those of the Financial Ombudsman Service

    Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.



    This e-mail and any attachments are confidential

    and may be subject to legal privilege. If you are not the intended recipient,

    please notify the sender immediately and delete this e-mail and any attachment

    from your system. If you are not the intended recipient you must not copy,

    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by

    virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception or

    interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it. The

    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.





  • Jeg sendte en e-post om tilstandene hos the Financial Ombudsman, til Acas, som jobber med rådgivning innen arbeidsrett osv. (In Norwegian)







    Google Mail – The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail


    Erik Ribsskog

    <eribsskog@gmail.com>



    The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail




    Erik Ribsskog

    <eribsskog@gmail.com>


    Tue, Jun 30, 2009 at 4:48 PM





    To:

    acas@eclogistics.co.uk



    Hi,

    I've contacted you earlier, about that I was being used as a slave, and that
    they had illigal management methods, at Bertelsmanns Scand. Microsoft-activation,
    in Liverpool.

    Now, people at the Financial Ombudsman, are also being used as slaves, it seems.
    Or this could be connected with a cover-up, of the Bertelsmann/Microsoft-case, that
    I am being bullied by Government, to cover up what went on there.

    Please send this e-mail to the right people in Acas.
    Yours sincerely,
    Erik Ribsskog

    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, Jun 30, 2009 at 4:31 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail

    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.
    It seems to me that you overload your representatives with work, and that they have to

    work 12 to 14 hours 7 days a week.
    I thought slavery was forbidden in our time.
    Why do you let your representatives work every Sunday morning, when other people in

    England are on their way home from the pub?
    Do your staff get summer-holiday at all?
    Sincerely,
    Erik Ribsskog


    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote:

    Dear Mr Ribsskog

    We always try to provide the best service we can to our

    customers, and sometimes that means offering our staff the option of working

    overtime during very busy periods.

    Please be assured that they have to work within strict time

    guidelines, and these are always checked by Operations Managers to ensure they

    are not working too many hours.

    The service our department offers is outside of the usual

    office hours of 9am till 5pm because we have found that a lot of our

    customers have difficulties contacting us whilst they are at work themselves

    during the 9am to 5pm times, so we have opening hours of 8am – 6pm, as do

    many firms these days.

    I hope this explains.

    Regards

    Jackie

    Collins
    Operations Manager
    Direct Dial : 020 7964

    0116
    Direct Fax: 020 7964 0117

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 29 June 2009 19:32
    To: Collins,

    Jackie

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every Sunday

    then?

    Shouldn't you as a main rule conduct your business, within the business

    hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Rosemary

    Cox has passed your complaint to me to take over as you have requested that

    she no longer deals with your case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that they

    issue you with a final response letter within 14 days. We have also

    asked them to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a response

    from them within 14 days, please let me know and I will arrange for your

    complaint to be moved forward for investigation by an

    Adjudicator.

    Regards

    Jackie Collins
    Operations Manager

    Direct Dial

    : 020 7964 0116
    Direct Fax: 020 7964

    0117

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 11:17
    To: Cox,

    Rosemary
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with complaints like these, one obviously needs ones

    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't

    think this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I said,

    that I want someone else

    to deal with my complaint, due to that I think that you must be

    overworked.

    Haven't you seen how fine the weather is today, you should have a day

    off in the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:


    Dear Mr Ribsskog


    Thank you for your

    e-mails


    As previously advised I am not going to debate

    with you the working hours of this office.


    I have written to you today to advise the steps

    we are taking with your complaint. If the firm fail to resolve the situation

    for you, your complaint will be passed onto our adjudication area for

    further consideration of the concerns you have

    raised.


    I should add that we do

    not tolerate rude or insulting language at this office, and

    would expect any further communication to be sent in a more acceptable

    manner.


    Kind Regards


    Rose Cox


    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009

    10:43

    To: Cox, Rosemary
    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the

    business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the

    business-e-mails when they are drunk, which is what has happened today, with

    our correspondence.

    If this is something, you didn't know from before, then I think

    this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Thank

    you for your e-mail

    I must admit to being surprised and

    confused with the content of the

    e-mail    .

    We are an extremely busy department and we often work at the

    weekends, this is obviously of help to consumers as we are able

    to deal with their complaints in a more timely manner. I would

    suggest that     It is entirely up to each individual

    business to determine which hours their staff will work and I do not

    intend debating this with you.

    By working this weekend I have been able to deal with your

    complaint, which as you can appreciate is of a benefit to

    you.

    Perhaps you can clarify the spelling mistakes you are referring

    to?

    Kind

    Regards

    Rose

    Cox

    team

    manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 10:20

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to send

    e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you

    think?

    This is what it says on Wikipedia:

    In

    the United

    States     and United

    Kingdom    , the hours between 9 am and 5 pm are typically considered to be standard business

    hours



    I

    think this is rather akward, as I also think your spelling-mistakes

    are.


    Sincerely,


    Erik Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out that we

    are not a government department, we are a independent complaints

    body.

    I will be in touch with your again in the next few

    days

    Kind

    Regards

    Rose

    Cox

    team

    manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government in

    Norway, work on Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any

    longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not a

    joke, I am currently in the office working

    today.

    I presume that you

    would like us to deal with your complaint, so am responding to your

    e-mails today

    Kind Regards

    Rose Cox

    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 07:36
    To: Cox, Rosemary
    Subject: Re:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the

    way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    I will contact you again once

    I have considered the

    information.

    Kind Regards

    Rose Cox

    team manager


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 27

    June 2009 14:59
    To: Cox, Rosemary
    Subject:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the

    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at

    RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog',

    even if my name

    is Erik, and in Britain, you have a movie called 'Erik the

    Viking', and Eric is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator,

    also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way

    that RBS,

    gave me the bonus of £100, for moving my account to them, from

    Barclays,

    (who I also had problems with, that I'll exlain about to your

    collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St.

    now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't

    look anything at all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with other

    financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks,

    perhaps someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll

    also find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message

    ———-
    From: Williams, Yvonne

    (CRU)     <Yvonne.Williams@rbs.co.uk>
    Date: Tue,

    Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik

    Ribsskog <eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be

    sent to me for my investigation

    Regards

    Yvonne Williams

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 June 2007

    14:04
    To: Williams, Yvonne (CRU)
    Subject:

    Earlier e-mail

    *** WARNING : This message originates

    from the Internet ***


    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail,

    because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail

    again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of

    Scotland plc, Registered in Scotland No. 90312. Registered Office:

    36 St Andrew Square, Edinburgh EH2 2YB

    Authorised and

    regulated by the Financial Services Authority.

    This e-mail

    message is confidential and for use by the addressee only. If the

    message is received by anyone other than the addressee, please

    return the message to the sender by replying to it and then delete

    the message from your computer. Internet e-mails are not necessarily

    secure. The Royal Bank of Scotland plc does not accept

    responsibility for changes made to this message after it was

    sent.

    Whilst all reasonable care has been taken to avoid the

    transmission of viruses, it is the responsibility of the recipient

    to ensure that the onward transmission, opening or use of this

    message and any attachments will not adversely affect its systems or

    data. No responsibility is accepted by The Royal Bank of Scotland

    plc in this regard and the recipient should carry out such virus and

    other checks as it considers

    appropriate.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not

    the intended recipient, please notify the sender immediately and

    delete this e-mail and any attachment from your system. If you are

    not the intended recipient you must not copy, disclose or take any

    action in reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this

    communication. We accept no liability for any loss or damage which

    may be caused by software viruses or by interception or interruption

    of this mail.

    Unless otherwise indicated, this e-mail

    has no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this

    e-mail are those of the author and do not necessarily reflect those

    of the Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete

    this e-mail and any attachment from your system. If you are not the

    intended recipient you must not copy, disclose or take any action in

    reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this e-mail

    are those of the author and do not necessarily reflect those of the

    Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s) indicated

    in it. The statements and opinions expressed in this e-mail are those of

    the author and do not necessarily reflect those of the Financial

    Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.


    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should carry

    out your own virus checks on the contents of this communication. We accept

    no liability for any loss or damage which may be caused by software

    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in

    it. The statements and opinions expressed in this e-mail are those of the

    author and do not necessarily reflect those of the Financial Ombudsman

    Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.


    This e-mail and any attachments are

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