Stikkord: Budsjett

Jeg sendte en ny e-post til Wescot

Gmail – Regarding Wescot reference D3/49597867

Erik Ribsskog
<eribsskog@gmail.com>

Regarding Wescot reference D3/49597867

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Jan 18, 2013 at 3:11 PM

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

Cc:
Q&A <contactus@cccs.co.uk>

Hi,

I’m refering to a letter, from your partner Nelson Guest & Partners Solicitors, from 15/1, which I recieved today, (and attach a scanned copy of).

I have now paid you token payments, (on £1), in November and December.

And I’m going to pay you a new token-payment, before the end of this month.

So I’m sending you token-payments, by the end of each month, now.

This is the same payment-arrangement, which I have, with my other creditors.

(And is really all I can afford to pay, at the moment, since I’m unemployed).

I apply for many jobs each week, and when I find a new job, I’m going to set up a new budget.

Then I’m going to increase the payments to you, (and the other creditors).

Hope this is alright!

Yours sincerely,

Erik Ribsskog

wescot cap one.jpg
108K

PS.

Her er vedlegget:

18. januar 2013
Mer om budsjett

18. januar 2013
Jeg sendte en ny e-post til Wescot

Gmail – To: Jane Beauchamp, Complaints Manager/Fwd: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog
<eribsskog@gmail.com>

To: Jane Beauchamp, Complaints Manager/Fwd: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog

<eribsskog@gmail.com>

Sat, Dec 8, 2012 at 1:03 PM

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

Hi,

I’m refering to your letter from 5/12, which I got in the post today, and which I attach scanned copies of.

I think your letter has to many issues brought up in it.

And the issues aren’t even indexed.

So I don’t think I should comment on all the details, in your letter.

From reading your letter quite fast, I didn’t like it that you brought my feelings into this.

That’s inpolite, I think.

Also, I think the section were you write about the problems with the signature, was difficult to understand, since it was written in a way, to make it problematic, to understand, I think.

I think your English-teacher would have complained if you showed that paragraph, to him.

To try to bring this further.

I have already, about a week before the date your letter, started paying Wescot token-payments, of £1, (from your web-site), like I’ve previously written to your collegue, (Mr. Robinson?), that I would start doing.

So I now plan to continue paying you token-payments, of £1, by the 30th., each month.

Untill I find a new job, then I’m going to set up a new budget, and increase the payments.

Hope this is alright!

Yours sincerely,

Erik Ribsskog

———- Forwarded message ———-
From: Contact Us <contactus@wescot.co.uk>

Date: Thu, Nov 15, 2012 at 12:04 PM
Subject: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A
To: Erik Ribsskog <eribsskog@gmail.com>

15 November 2012

Dear Mr Ribsskog

Further to your recent email.

I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation or resolution as quickly as possible.

Our client confirmed the signature you provided when you requested your new address to be updated on their records did not match the signature on the account. According to our client, they

did not inform you the balance is not outstanding. They have confirmed the account will not be deleted and advised you should set repayment arrangement with ourselves. Please complete the attached form.

Please accept my apologies for any inconvenience you may have been caused whilst contacting us.

Yours sincerely

Funmi Olugbenga-Dada

Account Controller

email: contactus@wescot.co.uk

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

Sent: Monday, November 12, 2012 10:39 PM
To: Contact Us
Cc: Q&A
Subject: To: Mrs. N. Farrow. Your ref: 49597867/S82A

Hi,

I’m refering to your letter from 8/11, which I recieved today, (and attach a scanned copy of).

It wasn’t like you write in the letter.

I contacted Capital One and asked if I could pay them a token-payment of £1 a month.

This was about a year ago now.

Capital One said the signature in my letter wasn’t mine.

And after this I’ve had tens of letters and tens of e-mails, from you at Wescot and Capital One.

So that’s why I wanted the debt deleted.

Since this case wastes a lot of my time.

(And Wescot have also told me in a letter, that I don’t reply to your correspondence.

Which isn’t true, I’ve replied to all your e-mails and letters.

And I’ve gone to business-school, and I think letters shouldn’t contain lies.

Even if they are standard letters).

Perhaps you could contact Capital One again and ask them if they now accept my token-payment offer of £1 a month, from about a year ago?

Thanks in advance for any help!

Best regards,

Erik Ribsskog

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

2 attachments

wescot 1.jpg
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wescot 2.jpg
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PS.

8. desember 2012
Jeg sendte en ny e-post til United Utilities

Gmail – To: Suzanne Cafferty, Customer Advisor/Fwd: To: Nicola Redfern, Customer Advisor

Erik Ribsskog
<eribsskog@gmail.com>

To: Suzanne Cafferty, Customer Advisor/Fwd: To: Nicola Redfern, Customer Advisor

Erik Ribsskog

<eribsskog@gmail.com>

Sat, Dec 8, 2012 at 3:44 AM

To:
Customer.Services@uuplc.co.uk

Hi,

I’m refering to you letter from 4/12, (which I attach), and to the water-bill, also from 4/12, (which I also attach a scanned copy of).

Thank you for merging my two accounts with you!

You write that the payment-arrangement stays the same.

I’m unemployed at the moment, so I have an arrangement with you that I pay £1 a month, untill I find a new job.

That payment-plan should be up to date now.

And I’m going to pay the next token-payment, of £1, within 25/12.

I just wanted to update about this, since I also got a water-bill, that mention another amount.

So just to make sure that there have been no misunderstanding about this, and to explain that my next payment is going to be the token-payment, of £1, by 25/12.

I hope that you can confirm that this is the same payment-plan, which you mention, in your letter.

(Since I got two letters from you, both dated 4/12 now).

So I just wanted to explain about the details of my payment-arrangement with you, just for the record, so to speak.

Hope this is alright, and thanks again for the letter!

Yours sincerely,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>

Date: Wed, Nov 28, 2012 at 11:14 PM
Subject: To: Nicola Redfern, Customer Advisor
To: Customer Services <Customer.Services@uuplc.co.uk>

Hi,

I’m refering to your letter from 26/11, which I recieved today, about my water bill arrears, from Hope Chambers.

Today, I also recieved my new water bill, for 10 Keith Court.

I’m unfortunately still unemployed at the moment, (even if I get to job-interview quite often now).

So I can’t afford to pay more than token-payments untill I find a new job, unfortunately.

So I was wondering if you could please merge my old account with you, from Leather Lane, with my new account, for 10 Keith Court.

And then I would just continue to pay one token-payment monthly, (like the agreement I have with you now says), untill I find a new job.

So that my next token-payment is due on 25/12.

Hope this is alright, and thank you again for your letter!

Yours sincerely,

Erik Ribsskog

PS.

I attach scanned copies of both the mentioned letters.

2 attachments

letter uu.jpg
79K

water bill.jpg
105K

PS.

Her er vedleggene:

8. desember 2012
Jeg fikk enda et brev fra United Utilities

8. desember 2012
Jeg fikk et brev fra United Utilities

8. desember 2012
Mer om budsjett

Gmail – Barclays Bank – Notice of Proceedings

Erik Ribsskog
<eribsskog@gmail.com>

Barclays Bank – Notice of Proceedings

Erik Ribsskog

<eribsskog@gmail.com>

Sat, Dec 8, 2012 at 3:16 AM

To:
“SAM N. PARCS” <Sam.n.Parcs@debt-managers.co.uk>

Hi,

yes, it would have been fine if you could send me some more giro-slips, while I’m in contact with you.

I only have like three or four giro-slips left, you see.

Thanks in advance for any help with this!

Best regards,

Erik Ribsskog

PS.

I guess you’ve gotten my new address, (since May), but in case you haven’t, it should be:

10 Keith Court

Keith Avenue

Liverpool

L4 5XJ

On Thu, Dec 6, 2012 at 1:12 PM, SAM N. PARCS <Sam.n.Parcs@debt-managers.co.uk> wrote:

Dear Mr Erik Ribsskog

Our Ref 47998755 – Barclays Bank

Thank you for your email. We can confirm that your last payment has now been received and your payment plan is up to date and has been adjusted. Should you require further payment slips please do not hesitate to contact us.

Regards

Sam N Parcs.

—–Original Message—–
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 04 December 2012 12:00
To: SAM N. PARCS
Cc: Q&A
Subject: Re: Barclays Bank – Notice of Proceedings

Hi,

according to my notes, I’m not in arrears.

And I’ve replied to each of your letters and e-mails.

I’ve paid you £1 for October and £1 for November.

And I’m going to pay you £1 for December.

So this doesn’t make any sense to me, unfortunately.

I send a copy e-mail to CCCS due to this.

Erik Ribsskog

On Tue, Dec 4, 2012 at 8:09 AM, Sam N Parcs <sam.n.parcs@debt-managers.co.uk> wrote:

47998755 – Barclays Bank – BVDM1R

Dear Mr Erik Ribsskog

Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.

You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.

Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.

To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at dmpay.co.uk using your reference number and unique password 676P962.

Sam N Parcs
Supervisor
Sam.n.parcs@debt-managers.co.uk

The cost of calls may vary depending on your network provider – please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
OPENING TIMES
Monday – Thursday 8 am – 8 pm
Friday 8 am – 7pm
Saturday 8 am – 4pm

Any views or opinions are solely those of the author and do not necessarily represent those of the Company

————————————————————————————————————————————————-

The information transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.

Debt Managers Ltd. Registered in Scotland (registered no. 219618).

Registered Office: 12 Hope Street, Edinburgh, EH2 4DB

8. desember 2012
Mer om budsjett

Gmail – Barclays Bank – Notice of Proceedings

Erik Ribsskog
<eribsskog@gmail.com>

Barclays Bank – Notice of Proceedings

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Dec 4, 2012 at 12:00 PM

To:
Sam N Parcs <sam.n.parcs@debt-managers.co.uk>

Cc:
Q&A <contactus@cccs.co.uk>

Hi,

according to my notes, I’m not in arrears.

And I’ve replied to each of your letters and e-mails.

I’ve paid you £1 for October and £1 for November.

And I’m going to pay you £1 for December.

So this doesn’t make any sense to me, unfortunately.

I send a copy e-mail to CCCS due to this.

Erik Ribsskog

On Tue, Dec 4, 2012 at 8:09 AM, Sam N Parcs <sam.n.parcs@debt-managers.co.uk> wrote:

47998755 – Barclays Bank – BVDM1R

Dear Mr Erik Ribsskog

Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.

You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.

Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.

To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at dmpay.co.uk using your reference number and unique password 676P962.

Sam N Parcs
Supervisor
Sam.n.parcs@debt-managers.co.uk

The cost of calls may vary depending on your network provider – please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
OPENING TIMES
Monday – Thursday 8 am – 8 pm
Friday 8 am – 7pm
Saturday 8 am – 4pm

Any views or opinions are solely those of the author and do not necessarily represent those of the Company

————————————————————————————————————————————————-

The information transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.

Debt Managers Ltd. Registered in Scotland (registered no. 219618).

Registered Office: 12 Hope Street, Edinburgh, EH2 4DB

4. desember 2012
Jeg sendte en e-post til United Utilities

Gmail – To: Nicola Redfern, Customer Advisor

Erik Ribsskog
<eribsskog@gmail.com>

To: Nicola Redfern, Customer Advisor

Erik Ribsskog

<eribsskog@gmail.com>

Wed, Nov 28, 2012 at 11:14 PM

To:
Customer Services <Customer.Services@uuplc.co.uk>

Hi,

I’m refering to your letter from 26/11, which I recieved today, about my water bill arrears, from Hope Chambers.

Today, I also recieved my new water bill, for 10 Keith Court.

I’m unfortunately still unemployed at the moment, (even if I get to job-interview quite often now).

So I can’t afford to pay more than token-payments untill I find a new job, unfortunately.

So I was wondering if you could please merge my old account with you, from Leather Lane, with my new account, for 10 Keith Court.

And then I would just continue to pay one token-payment monthly, (like the agreement I have with you now says), untill I find a new job.

So that my next token-payment is due on 25/12.

Hope this is alright, and thank you again for your letter!

Yours sincerely,

Erik Ribsskog

PS.

I attach scanned copies of both the mentioned letters.

4 attachments

uu 1.jpg
112K

uu 2.jpg
120K

uu 3.jpg
91K

brev uu.jpg
77K

29. november 2012
Jeg fikk et brev fra United Utilities

28. november 2012