johncons

Stikkord: Barclays

  • Jeg sendte en e-post til the High Court

    Erik Ribsskog


    Update/Fwd:
    Complaint/Fwd: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with
    the reference number: 0023045014/Fwd: Complaint

    Erik Ribsskog Mon, Sep 8, 2014 at 12:46 AM

    To: rcjchancery.judgeslisting@hmcts.gsi.gov.uk


    Hi,

    I send you a letter I’ve gotten, from Barclays, as an update, to my
    complaint against them and the Financial Ombudsman.

    (I’ve sent you several e-mails about these cases earlier).

    Best regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Aug 22, 2014 at 11:54 PM
    Subject: Complaint/Fwd: Update/Fwd: Complaint/Fwd: FW: Your letter of
    29/7 with the reference number: 0023045014/Fwd: Complaint
    To: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Cc: post <post@mfa.no>, Legal LSC <legal.lsc@legalservices.gov.uk>,
    she <she@topdanmark.dk>, Politikk Høyre <politikk@hoyre.no>,
    Akademikerforbundet <post@akademikerforbundet.no>, LHT Customer
    Service <csc@lht.co.uk>, Runcorn Office <runcornoffice@taroe.org>,
    Info <info@tpas.org.uk>, Bjørn Ribsskog <bribsskog@gmail.com>, admin
    <admin@lpl-norwegian-consulate.org.uk>, ITCGM- Norwegian Consulate
    <norconsulate@itcgm.co.uk>, “hv-02.kontakt” <hv-02.kontakt@mil.no>,
    “anne-kathrine.skodvin” <anne-kathrine.skodvin@ica.no>, “post@nav.no
    <post@nav.no>, “steve.rotheram.mp” <steve.rotheram.mp@parliament.uk>,
    complaint.info” <complaint.info@financial-ombudsman.org.uk>

    Hi,

    I think it’s strange, that I get about a bank-complaint, from a guy,
    with a muslim name, (if I’m not mistaking).

    If I’m not mistaking, I think the muslims have their own type of
    banks, who don’t charge interest, (or something like that).

    So this I wanted to complain about, to the High Court.

    Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Customer Contact <customer.contact@financial-ombudsman.org.uk>
    Date: Thu, Aug 21, 2014 at 3:02 PM
    Subject: RE: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with
    the reference number: 0023045014/Fwd: Complaint
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Mr E Ribsskog

    Your complaint

    Thank you for contacting us. We will reply to your email as soon as
    possible – but within three weeks.

    If you need to get in touch before then, please use your reference,
    16028726. If you want to send us any additional information, there’s
    no need to send original documents.
    Yours sincerely

    Mohammed Miah

    Administrator (CCD)

    Telephone       0800 0 234 567
    Email           complaint.info@financial-ombudsman.org.uk

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 August 2014 02:52
    To: External Enquiries
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Subject: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with the
    reference number: 0023045014/Fwd: Complaint

    Hi,

    I got a letter from RBS, the other day, which I attach, as an update,
    to my complaint, against them.

    I’ll try to sumarise a bit.

    I went to RBS Bootle, last month, and asked them, if I could have an
    overdraft, for gradutes.

    (I need clothes for job-interviews and I also work with a lot of
    inheritance-cases in Norway.

    An am unemployed, and am being messed with, by the Jobcentre, I think
    I have to say, so I also need money for living-expenses).

    RBS told me, that it’s more than three years, since I got my degree.

    So I couldn’t get an overdraft, for graduates, (they told me).

    I have had a lot of complaints, against RBS Dale Street, (from a few
    years ago, when I lived, in Leather Lane, where I lived, from 2006 to
    2011).

    So that could be why I didn’t go at once, to ask for an overdraft for
    graduates, (when I got my degree, in 2009).

    Since my relationship with RBS, wasn’t that good at the time, (due to
    the mentioned complaints, etc).

    So my complaint now, is that RBS are unreasonable and unflexible, when
    they now refuse me, and overdraft for graduates.

    I want to make a point of, that it isn’t that important to me, that I
    get this overdraft, for graduates.

    I’m just as happy, if I get a normal overdraft or a credit-card.

    I just need to sort my cash-flow-problem, (because I own property in
    Norway, but it’s difficult to sell, because there are legal-problems,
    (I think I have to call them now), since it’s a co-owned property. And
    I’m also expecting to get more inheritances, from both my mothers
    side, (an inheritance delayed since 2009), and later also on my
    fathers side).

    So I’m trying not to be un-flexible myself.

    I’m also glad if I get another type of loan/credit-card, from RBS,
    (who has been my main-bank, since I switched to them, in 2007, (from
    Barclays)).

    And also, I think they should applogoise, for calling me ‘Sir/Madam’,
    when I’m a well-known customer.

    The Merseyside Police, called me ‘Miss Erik Ribsskog’, in a letter to
    me, in 2007.

    Is this the Merseyside Police, who are messing with me, through RBS,
    I’m wondering.

    (RBS are now partly owned by the Government, I think, after the
    problems the bank had, during the finance-crises, a few years ago, if
    I remember it right.

    Is it so, that the Government then use this bank, (that they own parts
    of), to mess with citizens, I’m wondering a bit here.

    Hm).

    Please just ask me, if there is anything more you wonder about,
    regarding this complaint.

    I send a copy e-mail, to RBS, so that they can sort this, when they
    give me their final response.

    So that they know I want a loan and an apology.

    I hope this is alright!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, Aug 5, 2014 at 6:53 PM
    Subject: Complaint/Fwd: FW: Your letter of 29/7 with the reference
    number: 0023045014/Fwd: Complaint
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk

    Hi,

    I wanted to complain about that RBS calls me ‘Sir/Madam’.

    I’ve been a customer with them, since 2007, and I don’t like to be called Madam.

    (And I’ve informed them about my name, and branch.

    So this is that they harass me, I think).

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Date: Tue, Aug 5, 2014 at 8:51 AM
    Subject: FW: Your letter of 29/7 with the reference number:
    0023045014/Fwd: Complaint
    To: “eribsskog@gmail.com” <eribsskog@gmail.com>

    Dear Sir/Madam,

    Case Reference 23045014.

    Thank you for your patience whilst we have been reviewing your
    complaint, and please accept our sincere apologies for the delay.

    Our review is taking us longer than we originally anticipated but once
    this is completed, it will enable us to carry out a full investigation
    and give you a response.  We hope to let you know the outcome of our
    review and investigations within the next two weeks.  If, due to the
    nature of your complaint this is not possible, we will be in touch to
    provide you with an update.

    If you have anything further you would like to add to your complaint,
    please call our Customer Care Team on 0845 607 2323. We’re here from
    8am to 6pm Monday to Friday, 9am to 4pm Saturday. If you have a
    hearing or speech impairment you can call us on Minicom 0845 900 5960.

    Regards
    Rohit Saini

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 02 August 2014 23:56
    To: ~ RBS Customer Relations
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk; Joanne Dalton; DWP ICE
    gateway team; Contact-Us; CONTACT-US; emb.london; admin; post
    Subject: Your letter of 29/7 with the reference number:
    0023045014/Fwd: Complaint

    Hi,

    I’m refering to your letter from 29/7, which I received today, (from
    someone with a signature, that isn’t easy to read I think, perhaps you
    should start typing the names as well, just to complain a bit more,
    while I’m at it, so to speak).

    (I attach scanned copies of this letter).

    You write in the letter, that I can contact you, if I have something
    more to add, about this case.

    What I really need is an overdraft.

    Untill I’ve managed to sell a property, which I co-own, in Norway.

    So if I could have an overdraft of around xx

    (I’ve gotten a credit-card with a small credit-limit from Vanquis, and
    a new check-book-account, from Barclays.

    But RBS is my main-bank, since I switched to you, in 2007, so I think
    its a bit strange, if I don’t get like an overdraft, with you, when I
    get credit-cards and check-books, from other banks, that aren’t even
    my main-bank.

    Even if RBS is Scottish and my mother used to say, (during my
    upbringing), that Scots were ‘gjerrige’, (like we say in Norway), for
    some reason.

    The problem is that the Jobcentre aren’t civilised you see.

    They ‘never’ pay me my jobseekers-allowance these days.

    The owe me around £xxx since January, in missing jobseekers-allowances.

    And many of the payments I’ve gotten this year, have also been delayed.

    So JCP have been notourioulsy irreliable, this year, I have to say.

    They have also framed me, and are taking me to court, for having sent
    harasment-emails, which I haven’t sent at all.

    So it’s like I live in a war-zone in Africa, or something, I’d say, in 2014.

    So I can trust JCP, so if I could please have an overdraft.

    So that I can get bye, untill I’ve gotten my property sold in Norway,
    (I need a landline-phone I think, because Drammen Tingrett don’t reply
    to e-mails, and sometimes don’t even reply to my phone-calls, they
    just pretend to be closed, during opening hours, (this is a local
    court in Drammen, Norway, who are supposed to sell properties that are
    co-owned, when one of the owners ask for them to do it, I asked them
    to sell the property in 2011, but they still haven’t sold it).

    I attach some files about this property as well.

    Since it’s a bit tirering, to having to walk around on the streets, to
    look for coins, like I sometimes have to do, here in Walton.

    Since the JCP mess with me this much.

    Thanks in advance for helping me with this over-draft!

    Best regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Date: Thu, Jul 24, 2014 at 2:09 PM
    Subject: RE: Complaint
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Sir / Madam,

    Thank you for your recent email.

    The reference number of your Complaint is 23045014.

    I am sorry you are unhappy with the service you recently received, but
    grateful you have taken the time to explain why.

    I have reviewed your complaint and have passed your details on to the
    relevant department who we feel are best placed to deal with the
    issues you have raised. They will investigate the case carefully and
    will contact you within the next 10 working days, if possible with a
    full response. If the team needs more time to investigate, they will
    tell you why and what they have done so far.

    We hope you will understand that we do not normally send our full
    response by e-mail, as it may include confidential information that
    could be read by other people.

    If you would like to contact us in the meantime, please e-mail us.

    Regards
    Ruchi Malhotra

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 23 July 2014 18:10
    To: ~ RBS Customer Relations
    Cc: complaint.info
    Subject: Complaint

    Hi,

    yesterday I was at your branch in Bootle, at Merseyside.

    I opened a student-account with Barclays, in Sunderland, in 2004.

    And in 2007, I switched to RBS.

    So this is initially a student account.

    And in 2009, I got my degree, from my home university, (Oslo
    University College).

    And I now don’t get my jobseekers allowance, (for some strange reasons).

    So I wondered if I could have an overdraft for graduates.

    (To get money for clothes for job-interviews and travel to
    job-interviews, etc.).

    I spoke with a brunette Cashier there, (Paula or something?), and a young clerk.

    The clerk said I only have three years to get an overdraft for graduates.

    But I’m from Norway, so I haven’t understood about these overdrafts,
    until recently.

    And my grandmother died in 2009, and it’s been like a horrible
    inheritance-brawl, in the years since this.

    And I still haven’t gotten my inheritance, (even if my mother died in
    1999, so I should have gotten some inheritance, after my mothers
    mother).

    So I try to send a complaint about this.

    Since I think you are a bit un-flexible.

    I think RBS could be a bit more flexible, (since I’m in a difficult
    economical situation, now in this hot summer-weather as well), so I
    hope that you can offer me some type of overdraft or emergency-loan or
    at least a check-book.

    My account is with your branch in Dale St., in Liverpool.

    So you can contact them, if you need more information, about my account.

    Yours sincerely,

    Erik Ribsskog
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    Authorised by the Prudential Regulation Authority and regulated by the
    Financial Conduct Authority and the Prudential Regulation 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
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    2 attachments

    PS.

    Her er vedleggene:

    barclays paint

    barclays2

  • Jeg sendte en e-post til the Financial Ombudsman

    Erik Ribsskog


    Update/Fwd: Complaint about Barclays/Fwd: Complaint/Fwd: Property in Norway

    Erik Ribsskog Thu, Jul 17, 2014 at 1:59 AM

    To: “complaint.info”

    Hi,

    to do with the meeting, with the unshave man, at Barclays Bootle, last week.

    (Like I explained about, in the forwarded e-mail).

    I now remember, that he said, something like:

    ‘There’s no _avenue_, that leads to an overdraft, for your acount’.

    (Something like that).

    I thought that perhaps was a bit strange use of the word ‘avenue’,
    (instead of e.g. ‘way’).

    Could he have been mocking me, (or something like that), since my
    address is 10 Keith Court, Keith _Avenue_, (in Walton, Liverpool).

    Just something I thought about.

    Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Jul 11, 2014 at 4:40 AM
    Subject: Complaint about Barclays/Fwd: Complaint/Fwd: Property in Norway
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

    Hi,

    to do with this mortage, that I’m trying to get, on my property, in Norway.

    I was at Barclays in Walton, on Monday.

    They told me to go to Barclays in Bootle or Lord Street, to speak with
    a mortage-advisor.

    So I went to Barclays Bootle, on Tuesday.

    There I got to speak with Paula Farrell.

    (About an apointment with a mortage-advisor).

    But I wanted to complain a bit here.

    I explained in the meeting, that I was there a bit late, because I
    couldn’t find the branch, at first.

    (They have a big shopping-centre there).

    And then Farrell said: ‘Were tucked away at the front’.

    I thought she was being sarcastic.

    And then she told me to tell someone that I went to the meeting with
    the mortage-advisor next week.

    What’s that supposed to mean?

    Was it a threat or something?

    Why would I need to tell someone I was going to a meeting at the bank.

    This I wanted to complain about, since this could seem like a threat, I think.

    Also she asked about my new mobile-number twice.

    Which I thought was to many times.

    Also I went back there today, (Thursday), regarding an overdraft.

    Then Farrell wasn’t there.

    But an unshaven blond man, sat there, and asked me what I wondered about.

    I explained that I had given Farrell the wrong answer about my
    Barclays-account, on Tuesday.

    Because when I wondered about an overdraft.

    (Since the Jobcentre are messing with me, so that I almost starve to death).

    Then I answered it wasn’t a student-account.

    (Because I wondered if I could have an overdraft for graduates, that
    I’ve read about, some time ago.

    Since I’ve now gotten my degree, from Norway, in 2009).

    I told the blond man, that my Barclays-account was initially a student-account.

    (But that the meeting with Farrell was mostly about the mortage.

    So I managed to remember wrong, about the Barclays account).

    I had also brought with me, the business-card, of the Barclays staff,
    in Sunderland, (Neville J. Anderson), that I spoke with, about a
    bank-account, in 2004, when I studied, at the University of
    Sunderland.

    (Since I’ve had that card in my wallet, since then, by chance, I think
    one have to say).

    And then the clerk said there was no way I could have an overdraft.

    I think that’s strange, that I can’t have an overdraft, for graduates,
    when I’ve now gotten my Høgskolekandidat-degree, from Oslo University
    College, (in IT).

    And also, why don’t their staff shave, I was wondering.

    That’s strange in custommer-facing-role, I’d say.

    When I served my conscription-service, in the Norwegian Army, in 1992/93.

    We were told we eighter had to have no beard or a full beard.

    Nothing inbetween was considered ‘kosher’, (as I remember it).

    I guess working in a bank, as an advisor like that, could be compared
    with representing a country’s army.

    At least I thought it was a bit strange, that the Barclays-staff have
    a three day beard, like we call it, in Norway.

    (Like Richard Gere, in Pretty Woman, I guess).

    Farrell also asked me if I had any days I couldn’t have the meeting.

    And then she asked me if Friday was ok.

    And then she changed it to Friday next week.

    And then she didn’t answer when I wanted to have the meeting later than 10 AM.

    So I wanted to complain about that Barclay Bootle aren’t good at
    custommer-service.

    Thanks in advance for any help with this!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Wed, Jul 2, 2014 at 4:45 PM
    Subject: Complaint/Fwd: Property in Norway
    To: Customer.Relations@rbs.co.uk
    Cc: complaint.info@financial-ombudsman.org.uk

    Hi,

    I was a bit in a hurry at the library yesterday, so I didn’t notice
    that you called me ‘Sir/Madam’.

    It’s an insult that you call me Madam I think.

    This I wanted to complain about.

    Weren’t RBS supposed to be sold to Santander.

    When is this sale going to happen, I was wondering.

    The sooner the better, I hope.

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, 1 Jul 2014 15:56:32 +0100
    Subject: Re: Property in Norway
    To: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Cc: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

    Hi,

    ok, which UK bank would be able to give me a loan on a propery in Norway then?

    Are there other British banks who are more international?

    Regards,

    Erik Ribsskog

    On 7/1/14, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk> wrote:
    > Dear Sir/Madam,
    >
    > Thank you for your e-mail.
    >
    > At the outset, I would like to apologise for any inconvenience this
    > matter may have caused you.
    >
    > Unfortunately, we will not be able to provide a mortgage for a property
    > outside the UK.
    >
    > For opening a graduate account you will need to visit any RBS branch to
    > discuss the eligibility.
    >
    > Regards
    > Imran khan
    >
    >
    > —–Original Message—–
    > From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    > Sent: 27 June 2014 12:12
    > To: ~ RBS Customer Relations
    > Subject: Property in Norway
    >
    > Hi,
    >
    > I own part of a property in Norway.
    >
    > (My father inherited this, (from his bachelor-uncles, after two of them
    > had died), in 2005, but didn’t want to own it, for some reason, and gave
    > half of his share on to me).
    >
    > My third bachelor-uncle, (Idar Sandersen), still lives there.
    >
    > But he is more than 90 years old.
    >
    > I want to sell it, but perhaps it’s better to wait, untill my granduncle
    > dies.
    >
    > I’ve asked my earlier Norwegian banks, (from when I lived in Norway,
    > that is DNB and Nordea), if they could loan me some money, on this
    > property.
    >
    > But they have not given me any loans, for some strange reason.
    >
    > Because this property is in a place, (Hurum), where properties like
    > this, are in demand, (since it’s close to the sea/fjord, etc.), it
    > seams.
    >
    > I’m not sure if you at RBS are used to dealing with properties in
    > Norway, so I’ve waited many years, with contacting you, about this.
    >
    > But I guess my share of this property could easily be worth ***
    >
    > And at the same time, I have problems with the Jobcentre.
    >
    > They stop my allowance, ‘all the time’.
    >
    > (And they also take me to court, acusing me of haveing written dirty
    > e-mails to their staff.
    >
    > I rather want to live on the money for this propety I own, than having
    > to deal with the Jobcentre any longer.
    >
    > If that’s possible).
    >
    > Can I please get a loan, on this property.
    >
    > And then I can pay it back, after Idar Sandersen dies.
    >
    > Since I almost starve to death, every year, (or so), due to problems
    > with the Jobcentre.
    >
    > I’ve also gotten my degree, in 2009, from Oslo University College.
    >
    > Could I please have a bank-account, for graduates, with an overdraft,
    > (for graduates), I was wondering.
    >
    > Best regards,
    >
    > Erik Ribsskog
    > *** WARNING : This message originates from the Internet ***
    > The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered
    > Office: 36 St Andrew Square, Edinburgh EH2 2YB
    >
    > Authorised by the Prudential Regulation Authority and regulated by the
    > Financial Conduct Authority and the Prudential Regulation 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. The Royal Bank of Scotland plc may monitor
    > e-mails for business and operational purposes. By replying to this message
    > you give your consent to our monitoring of your email communications with
    > us.
    >
    > 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.
    >
    >

  • Jeg sendte en e-post til the Financial Ombudsman

    Erik Ribsskog


    Complaint about Barclays/Fwd: Complaint/Fwd: Property in Norway

    Erik Ribsskog Fri, Jul 11, 2014 at 4:40 AM

    To: “complaint.info”

    Hi,

    to do with this mortage, that I’m trying to get, on my property, in Norway.

    I was at Barclays in Walton, on Monday.

    They told me to go to Barclays in Bootle or Lord Street, to speak with
    a mortage-advisor.

    So I went to Barclays Bootle, on Tuesday.

    There I got to speak with Paula Farrell.

    (About an apointment with a mortage-advisor).

    But I wanted to complain a bit here.

    I explained in the meeting, that I was there a bit late, because I
    couldn’t find the branch, at first.

    (They have a big shopping-centre there).

    And then Farrell said: ‘Were tucked away at the front’.

    I thought she was being sarcastic.

    And then she told me to tell someone that I went to the meeting with
    the mortage-advisor next week.

    What’s that supposed to mean?

    Was it a threat or something?

    Why would I need to tell someone I was going to a meeting at the bank.

    This I wanted to complain about, since this could seem like a threat, I think.

    Also she asked about my new mobile-number twice.

    Which I thought was to many times.

    Also I went back there today, (Thursday), regarding an overdraft.

    Then Farrell wasn’t there.

    But an unshaven blond man, sat there, and asked me what I wondered about.

    I explained that I had given Farrell the wrong answer about my
    Barclays-account, on Tuesday.

    Because when I wondered about an overdraft.

    (Since the Jobcentre are messing with me, so that I almost starve to death).

    Then I answered it wasn’t a student-account.

    (Because I wondered if I could have an overdraft for graduates, that
    I’ve read about, some time ago.

    Since I’ve now gotten my degree, from Norway, in 2009).

    I told the blond man, that my Barclays-account was initially a student-account.

    (But that the meeting with Farrell was mostly about the mortage.

    So I managed to remember wrong, about the Barclays account).

    I had also brought with me, the business-card, of the Barclays staff,
    in Sunderland, (Neville J. Anderson), that I spoke with, about a
    bank-account, in 2004, when I studied, at the University of
    Sunderland.

    (Since I’ve had that card in my wallet, since then, by chance, I think
    one have to say).

    And then the clerk said there was no way I could have an overdraft.

    I think that’s strange, that I can’t have an overdraft, for graduates,
    when I’ve now gotten my Høgskolekandidat-degree, from Oslo University
    College, (in IT).

    And also, why don’t their staff shave, I was wondering.

    That’s strange in custommer-facing-role, I’d say.

    When I served my conscription-service, in the Norwegian Army, in 1992/93.

    We were told we eighter had to have no beard or a full beard.

    Nothing inbetween was considered ‘kosher’, (as I remember it).

    I guess working in a bank, as an advisor like that, could be compared
    with representing a country’s army.

    At least I thought it was a bit strange, that the Barclays-staff have
    a three day beard, like we call it, in Norway.

    (Like Richard Gere, in Pretty Woman, I guess).

    Farrell also asked me if I had any days I couldn’t have the meeting.

    And then she asked me if Friday was ok.

    And then she changed it to Friday next week.

    And then she didn’t answer when I wanted to have the meeting later than 10 AM.

    So I wanted to complain about that Barclay Bootle aren’t good at
    custommer-service.

    Thanks in advance for any help with this!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Wed, Jul 2, 2014 at 4:45 PM
    Subject: Complaint/Fwd: Property in Norway
    To: Customer.Relations@rbs.co.uk
    Cc: complaint.info@financial-ombudsman.org.uk

    Hi,

    I was a bit in a hurry at the library yesterday, so I didn’t notice
    that you called me ‘Sir/Madam’.

    It’s an insult that you call me Madam I think.

    This I wanted to complain about.

    Weren’t RBS supposed to be sold to Santander.

    When is this sale going to happen, I was wondering.

    The sooner the better, I hope.

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, 1 Jul 2014 15:56:32 +0100
    Subject: Re: Property in Norway
    To: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Cc: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

    Hi,

    ok, which UK bank would be able to give me a loan on a propery in Norway then?

    Are there other British banks who are more international?

    Regards,

    Erik Ribsskog

    On 7/1/14, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk> wrote:
    > Dear Sir/Madam,
    >
    > Thank you for your e-mail.
    >
    > At the outset, I would like to apologise for any inconvenience this
    > matter may have caused you.
    >
    > Unfortunately, we will not be able to provide a mortgage for a property
    > outside the UK.
    >
    > For opening a graduate account you will need to visit any RBS branch to
    > discuss the eligibility.
    >
    > Regards
    > Imran khan
    >
    >
    > —–Original Message—–
    > From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    > Sent: 27 June 2014 12:12
    > To: ~ RBS Customer Relations
    > Subject: Property in Norway
    >
    > Hi,
    >
    > I own part of a property in Norway.
    >
    > (My father inherited this, (from his bachelor-uncles, after two of them
    > had died), in 2005, but didn’t want to own it, for some reason, and gave
    > half of his share on to me).
    >
    > My third bachelor-uncle, (Idar Sandersen), still lives there.
    >
    > But he is more than 90 years old.
    >
    > I want to sell it, but perhaps it’s better to wait, untill my granduncle
    > dies.
    >
    > I’ve asked my earlier Norwegian banks, (from when I lived in Norway,
    > that is DNB and Nordea), if they could loan me some money, on this
    > property.
    >
    > But they have not given me any loans, for some strange reason.
    >
    > Because this property is in a place, (Hurum), where properties like
    > this, are in demand, (since it’s close to the sea/fjord, etc.), it
    > seams.
    >
    > I’m not sure if you at RBS are used to dealing with properties in
    > Norway, so I’ve waited many years, with contacting you, about this.
    >
    > But I guess my share of this property could easily be worth ***
    >
    > And at the same time, I have problems with the Jobcentre.
    >
    > They stop my allowance, ‘all the time’.
    >
    > (And they also take me to court, acusing me of haveing written dirty
    > e-mails to their staff.
    >
    > I rather want to live on the money for this propety I own, than having
    > to deal with the Jobcentre any longer.
    >
    > If that’s possible).
    >
    > Can I please get a loan, on this property.
    >
    > And then I can pay it back, after Idar Sandersen dies.
    >
    > Since I almost starve to death, every year, (or so), due to problems
    > with the Jobcentre.
    >
    > I’ve also gotten my degree, in 2009, from Oslo University College.
    >
    > Could I please have a bank-account, for graduates, with an overdraft,
    > (for graduates), I was wondering.
    >
    > Best regards,
    >
    > Erik Ribsskog
    > *** WARNING : This message originates from the Internet ***
    > The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered
    > Office: 36 St Andrew Square, Edinburgh EH2 2YB
    >
    > Authorised by the Prudential Regulation Authority and regulated by the
    > Financial Conduct Authority and the Prudential Regulation Authority.
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    > 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. The Royal Bank of Scotland plc may monitor
    > e-mails for business and operational purposes. By replying to this message
    > you give your consent to our monitoring of your email communications with
    > us.
    >
    > 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.
    >
    >

  • Min Bok 6 – Kapittel 62: Enda mer fra tiden i Sunderland

    Etter at jeg hadde bodd, i Sunderland, i et par måneder, (eller noe sånt), vel.

    Så gjorde Iwo et poeng av det, (husker jeg).

    (I lounge-en, var det vel).

    At Anja, (som var Dörte sin venninne), hadde en ‘SpongeBob’ hengende, fra ranselen sin.

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Da jeg så spurte Iwo, om hva som var grunnen, til at han gjorde et poeng, av dette.

    (Nemlig at det fra Anja sin ransel hang en sånn litt barnslig tegneseriefigur.

    En tegneseriefigur, som vel blir kalt for ‘SpongeBob SquarePants’, (tror jeg).

    En tegneserie, som jeg forresten aldri har sett, på TV, eller noe lignende, (må jeg innrømme).

    Jeg husker bare det, at Iwo nevnte navnet ‘SpongeBob’, (denne dagen i Sunderland), hvis jeg ikke tar helt feil).

    Så fikk jeg ikke noe svar, på dette, (fra Iwo), husker jeg.

    Så hvorfor Iwo gjorde et poeng av dette, det forstår jeg ennå ikke, (hvis jeg skal være ærlig).

    Så sånn er det.

    Bare noe jeg tenkte på.

    Men men.

    University of Sunderland, de ga oss utvekslingsstudentene, et slags skriv, (må det vel ha vært), om ting vi burde skaffe oss, under studieoppholder der, da.

    (Dette var ting som engelsk fastlege, (eller ‘GP’, (‘general practitioner’), som det vel heter), engelsk mobiltelefon og engelsk bankkonto, da).

    Og når det gjaldt engelsk bankkonto, så tenkte jeg det, at dette nok ville vært en god ide, å skaffe meg det, da.

    (Siden jeg jo hadde tenkt til å bli i England, også etter studietiden, (ved University of Sunderland), da.

    Siden jeg jo hadde overhørt det, at jeg var forfulgt, av ‘mafian’, (i Oslo), da.

    (Som jeg har skrevet om, i Min Bok 5).

    Og siden både England og Norge, er i EØS-området liksom, da).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Jeg syntes at sentrum av Sunderland var rimelig kaotisk, (for å si det sånn).

    Det var få landemerker, så det var vanskelig, å få noe slags oversikt, over sentrum, (husker jeg).

    Men noen ganger, så klarte jeg da, å finne fram, til den kjente bankkjeden Barclays sin Sunderland-filial, hvis jeg gikk rundt, (i sentrum), en stund.

    (Noe sånt).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Jeg gikk vel først til Barclays en gang, for å få en avtale et møte, om å diskutere en eventuell bankkonto.

    (For dette kan være ganske omstendelig, i England, da.

    En gang, som Magne Winnem hadde dratt meg med, til Gulskogen-senteret, (var det vel).

    Mens vi gikk russeåret, på Gjerdes videregående, (i Drammen).

    Så fikk jeg plutselig et innfall, i en Sparebanken Nor-filial, (mener jeg å huske, at det kan ha vært).

    Og så åpnet jeg en bankkonto, i den banken, men.

    Selv om jeg vel bare var i den banken, siden at Magne Winnem hadde et ærend der, (eller noe lignende), tror jeg.

    (Noe sånt).

    Men så enkelt er det ikke, å åpne en bankkonto, i England, da.

    For å si det sånn).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Det var mange japanske studenter, i Sunderland, (husker jeg).

    Og det var nesten som at disse ikke var ekte mennesker, men som noen slag roboter, (eller noe lignede), husker jeg.

    For de fleste av disse hadde perfekte/kule frisyrer, (som noen ganger var ‘kunstig’ farget), kule klær og vel også ofte tekniske ‘duppeditter’, da.

    (Og omtrent alle av disse japanske studentene, hadde forresten også ganske spinkel beinbygning.

    Mener jeg å huske, ihvertfall).

    Og mens jeg satt inne på Barclays, og venta, på å ha det møtet, angående bankkonto.

    Så satt det et ungt japansk par, på sitteplassene, ved siden av meg, da.

    (Disse var vel antagelig utvekslingsstudenter, ved University of Sunderland, (på samme måte, som jeg selv var), vil jeg nok tippe på, ihvertfall.

    Noe sånt).

    Og det som hendte, da.

    Det var at han unge japanske mannen, plutselig slapp en promp, da.

    Som jeg var så heldig, at jeg fikk lov til, å liksom sitte og lukte på, da.

    (Noe sånt).

    Og dama hans, hu bare lo da, (mener jeg å huske).

    (Noe sånt).

    Enda hu vel også måtte sitte og lukte, på den her prompen, da.

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Jeg prata med en Barclays-ansatt, i 40-50-årene, vel.

    (Om å få bankkonto, da).

    Og jeg forklarte det, (mener jeg å huske ihvertfall), at studielånet mitt var forsinka, da.

    Og jeg spurte om det var mulig å få noe slags midlertidig lån, (frem til jeg fikk studielånet), da.

    Og dette skulle jeg få svar om, i posten, da.

    Men da jeg fikk brevet, (fra Barclays), så hadde jeg bare fått en vanlig bankkonto, (uten overtrekk/’kassakreditt’/lån), da.

    Og dette brevet, det brukte vel litt tid, på å dukke opp, i postkassa mi, også.

    Hvis ikke, så hadde jeg nok ikke brukt så mye penger, på senhøsten, (blir det vel), i Sunderland.

    For hvis jeg hadde visst det, at jeg ikke kom til å få noe lån, av Barclays.

    Så ville jeg nok liksom ha snørt igjen livreima mi, litt tidligere, da.

    (Noe sånt).

    Så det var ikke bare Statens Lånekasse, som jeg hadde problem med, (når det gjaldt lån), i løpet av den tiden, som jeg bodde, i Sunderland.

    Det var visst også umulig, å få lån, av Barclays, (frem til jeg fikk studielånet), da.

    Så det var liksom sånn, at omtrent alt gikk mot meg, når det gjaldt økonomien min, (i Sunderland), da.

    (Må man vel si).

    Så jeg hadde liksom ‘dobbelt utur’, da.

    (Noe sånt).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    Det var fortsatt mye mer som hendte, den tida som jeg bodde, i Sunderland.

    Og dette tenkte jeg at jeg skulle prøve å få skrevet mer om, i de neste kapitlene, av Min Bok 6.

    Så vi får se om jeg klarer å få til det.

    Vi får se.