Stikkord: Budsjett

Mer om budsjett

Gmail – RE: Update/Fwd: Complaint/Fwd: Your letter of 5/11, (Your ref: 47998755)

Erik Ribsskog
<eribsskog@gmail.com>

RE: Update/Fwd: Complaint/Fwd: Your letter of 5/11, (Your ref: 47998755)

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Nov 23, 2012 at 5:07 PM

To:
Shirley Pyper <shirley.pyper@debt-managers.co.uk>

Hi,

thank you for your e-mail!

I hope I’ll be able to make the payments as usual in the future.

(I see in my calender-book here that the next payment is to be paid by Wednesday next week.

And I shouldn’t have any problems paying that payment in time).

It’s just that I’ve had some problems with the Jobcentre and the Jobseekers Allowance, in the last months.

But it seems like this is getting sorted now.

If there are any more similar problems in the future, I’m going to try to update you as soon as possible.

Hope this is alright, and sorry again about the problems with this!

Best regards,

Erik Ribsskog

On Fri, Nov 23, 2012 at 4:58 PM, Shirley Pyper <shirley.pyper@debt-managers.co.uk> wrote:

Mr E Ribsskog
10 Keith
Court
Keith
Avenue
Liverpool
L4 5XJ

23^rd November 2012

Our ref: 47998755

Dear Mr Ribsskog,

Thank you for emails regarding the above, which has
been passed to me to respond to you directly. All of your comments have been
noted, and your dissatisfaction has been dealt with under our complaints
process. I have attached a copy for your information.

I can confirm that our letter dated the 12^th
November 2012 was in the morning post prior to our agent responding to your
email, and therefore the agent was unable to retrieve the letter. However the
agent should have advised you to ignore the letter and for this I do apologise.

Please be assured

that the agent concerned has been given relevant feedback.

As an agency we work

very closely under the guidelines on debt collection practices and ensure we
follow these stringently. DML prides itself on compliance,
working with organisations such as the CSA and OFT in order to collect
ethically and responsibly.

I can confirm that

we are in receipt of your recent payment, and I can advise that the account
will be monitored by me in the future. If you have any further queries please
do not hesitate to contact me on 01709 758410 or by email to the address below.

The attached link to the Financial Ombudsman Service

advises you how to complain within the next six months, if you feel we have not
assisted you in resolving this matter. Their web details are as follows:
http://www.fos.org.uk/publications/consumer-leaflet.htm

Yours sincerely,

Shirley

Pyper

Ms Shirley Pyper

Complaints Manager

Debt Managers Ltd

01709 758410

Email: shirley.pyper@debt-managers.co.uk

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 20 November 2012 08:06
To: Contact
Subject: Update/Fwd: Complaint/Fwd: Your letter of
5/11, (Your ref: 47998755)

Hi,

I just wanted to update about that I’ve finally got
some money on my bank-account now, so I’ve gotten to pay the earlier mentioned
bill.

Sorry about the delay with this!

Best regards,

Erik Ribsskog

PS.

I attach a scanned copy of the receipt for this
payment.

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Nov 16, 2012 at 2:56 AM
Subject: Complaint/Fwd: Your letter of 5/11, (Your
ref: 47998755)
To: contact@dmpay.co.uk
Cc: Q&A <contactus@cccs.co.uk>

Hi,

I’m refering to your letter from 12/11, (which I
attach), which I recieved two days ago.

You write: ‘You have failed to respond to the Default
Notice that was sent to you recently’.

This isn’t true.

I sent you an e-mail on 8/11 about this.

(See the forwarded e-mail below).

So I wanted to please complain on that your company is
disorganised.

One hand don’t seem to know what the other hand does,
(so to speak).

Perhaps you would be so kind as to delete my debt with
you?

(To compensate for wasting my time here).

Hope this alright!

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Thu, Nov 8, 2012 at 10:49 PM
Subject: Your letter of 5/11, (Your ref: 47998755)
To: contact@dmpay.co.uk
Cc: Contact-Us
<Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US
<CONTACT-US@dwp.gsi.gov.uk>

Hi,

I’m refering to your letter from 5/11, which I attach.

The Jobcentre haven’t sent me my five latest
Jobseekers Allowance-payments, for no good reason.

I do my Jobseeking like the Jobcentre have previously
told me they want me to do it, every week.

I have not been informed by the Jobcentre when they
are going to start sending me my Jobseekers Allowance again.

And I no money for cutting my hair, or taking the
train to job-interviews eighter.

So maybe Barclays can give me a loan, untill someone
have cleaned the problems at the Jobcentre up?

I also have an insurance-case against Barclays, since
where I used to live, in Leather
Lane, in Liverpool,
(untill August last year), I was thrown out, after I wasn’t sent a letter, for
a court-hearing, so most of my stuff was kept by the landlord, after the Police
broke in to my flat.

But I don’t have money to buy stamps, so I haven’t
gotten to send about this to Barclays insurance-department.

But you are perhaps a department of Barclays?

Then perhaps you could send about this to Barclays
Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with
the Landlord there).

I’ll pay the bill as soon as I get some money.

Sorry about the problems with this!

Yours sincerely,

Erik Ribsskog

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

23. november 2012
Jeg sendte en ny e-post til Wescot

Gmail – Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog
<eribsskog@gmail.com>

Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 22, 2012 at 2:03 PM

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

Hi,

if you don’t know what to escalate means you should buy a dictionary, I think.

It isn’t easy corresponding with your company.

You don’t even know how to escalate.

And one hand of your company doesn’t seem to know what the other hand does.

I have previously said I would start to pay token-payments, from 30/11, and I can do that.

But I would like to escalate this, so that your line-manager has a look at this.

(The problem with the signatures).

Your company is sending me what seems to be an endless stream of e-mails and letters.

Companies like Swalec, DML and United Utilities just accepted my token-payment-offer right away.

It’s like Wescot are trying to tire me with an endless stream of non-constructive correspondence, I think.

So I hope you can please escalate this case now, so perhaps I can get to correspond with someone in charge there.

The CCCS might think it’s fine when you send me standard letters with lies in.

Like you wrote that I didn’t reply to your correspondence.

That was a lie.

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

So I don’t understand why you don’t let me escalate this, to a person at Higher Management-level in your organisation.

Because there has been a lot of crossing correspondence between Wescot and myself in the last months.

Perhaps I could get this chaos sorted if I corresponded with someone at the level above yourselves in your organisation, I was thinking.

It’s no problem for me to pay you token-payments like I pay to United Utilities, Swalec and DML every month.

If you accept that, then that’s ok by me.

So that’s another option I would accept, other than deleting the debt.

Just to get this setled.

Because this endless stream of e-mails and letters take a lot of my time, which I think is a bit unecessary, since the other companies just agreed on my token-payment offer, instead of arguing with me for months.

So I would still accept a token-payment-offer, you can tell you line-manager.

I don’t want to be unreasonable here.

But it’s eighter that or deleting the debt, which is reasonable now, I think.

And I hope you can agree quite fast about this, because this seemingly endless stream of correspondece is a bit unesseserry, I think.

Best regards,

Erik Ribsskog

On Thu, Nov 22, 2012 at 12:56 PM, Contact Us <contactus@wescot.co.uk> wrote:

22^nd November 2012

Dear Mr Ribsskog

Further to your recent email regarding your request for this account to be deleted from our records.

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

In order for us to look into this matter further, please clarify exactly what your dispute is, as it appears that you have offered to make a payment on more than one occasion,

which appears that you do agree that the balance is outstanding and correct.

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

Yours sincerely

Paul Stephenson

Accounts Controller

span lang=”EN-US” style=”font-size:11.0pt;color:#1f497d”>

Email: contactus@wescot.co.uk

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

Sent: 19 November 2012 15:53
To: Contact Us

Subject: Re: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Hi,

that e-mail was not regarding an offer of repayment.

I asked you to please delete the debt, like mentioned in the forwarded e-mail.

I also asked to get this _escalated_.

I can’t see that this has been escalated.

Erik Ribsskog

On Mon, Nov 19, 2012 at 3:20 PM, Contact Us <contactus@wescot.co.uk> wrote:

19^th November 2012

Dear Mr Ribsskog

Further to your recent email regarding an offer of repayment.

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

I can confirm that our client has requested that we agree a repayment offer with you, and to enable us to do this we would require your income and expenditure details. We have included

a form to be completed with this email.

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

Yours sincerely

Paul Stephenson

Accounts Controller

Email: contactus@wescot.co.uk

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

Sent: 15 November 2012 19:30

To: Contact Us
Cc: Q&A

Subject: Re: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Hi,

I think telling me my signature isn’t mine is an insult, and that you should compensate by deleting my debt.

You can’t expect peoples signatures to always look exactly the same.

Surely a company like Capital One/Wescot should consult a handwriting-expert before you go on claiming lies like this.

And then, months later, Wescot want’s me to make a new budget, after Captial One last year stalled the process, with their lies, (I think I have to call it, since it was my signature).

And Wescot are also lieing telling me I don’t reply to your correspondence, (in a letter), even if I’ve replied to all your letters and e-mails.

I think your routines should be looked at.

Perhaps you could escalate this to your line-manager?

Erik Ribsskog

On Thu, Nov 15, 2012 at 12:04 PM, Contact Us <contactus@wescot.co.uk> wrote:

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 thatWescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views
of Wescot Credit Services Ltd.

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

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

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended
recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services
Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

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.

22. november 2012
Enda mer om budsjett

Gmail – Update/Fwd: Complaint/Fwd: Your letter of 5/11, (Your ref: 47998755)

Erik Ribsskog
<eribsskog@gmail.com>

Update/Fwd: Complaint/Fwd: Your letter of 5/11, (Your ref: 47998755)

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Nov 20, 2012 at 8:06 AM

To:
contact@dmpay.co.uk

Hi,

I just wanted to update about that I’ve finally got some money on my bank-account now, so I’ve gotten to pay the earlier mentioned bill.

Sorry about the delay with this!

Best regards,

Erik Ribsskog

PS.

I attach a scanned copy of the receipt for this payment.

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Nov 16, 2012 at 2:56 AM
Subject: Complaint/Fwd: Your letter of 5/11, (Your ref: 47998755)
To: contact@dmpay.co.uk
Cc: Q&A <contactus@cccs.co.uk>

Hi,

I’m refering to your letter from 12/11, (which I attach), which I recieved two days ago.

You write: ‘You have failed to respond to the Default Notice that was sent to you recently’.

This isn’t true.

I sent you an e-mail on 8/11 about this.

(See the forwarded e-mail below).

So I wanted to please complain on that your company is disorganised.

One hand don’t seem to know what the other hand does, (so to speak).

Perhaps you would be so kind as to delete my debt with you?

(To compensate for wasting my time here).

Hope this alright!

Erik Ribsskog

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

Date: Thu, Nov 8, 2012 at 10:49 PM
Subject: Your letter of 5/11, (Your ref: 47998755)
To: contact@dmpay.co.uk
Cc: Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>

Hi,

I’m refering to your letter from 5/11, which I attach.

The Jobcentre haven’t sent me my five latest Jobseekers Allowance-payments, for no good reason.

I do my Jobseeking like the Jobcentre have previously told me they want me to do it, every week.

I have not been informed by the Jobcentre when they are going to start sending me my Jobseekers Allowance again.

And I no money for cutting my hair, or taking the train to job-interviews eighter.

So maybe Barclays can give me a loan, untill someone have cleaned the problems at the Jobcentre up?

I also have an insurance-case against Barclays, since where I used to live, in Leather Lane, in Liverpool, (untill August last year), I was thrown out, after I wasn’t sent a letter, for a court-hearing, so most of my stuff was kept by the landlord, after the Police broke in to my flat.

But I don’t have money to buy stamps, so I haven’t gotten to send about this to Barclays insurance-department.

But you are perhaps a department of Barclays?

Then perhaps you could send about this to Barclays Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with the Landlord there).

I’ll pay the bill as soon as I get some money.

Sorry about the problems with this!

Yours sincerely,

Erik Ribsskog

dml receipt.jpg
30K

20. november 2012
Mer om budsjett

Gmail – New Update/Fwd: Update/Fwd: To: Fiona Bailey, Head of Collections

Erik Ribsskog
<eribsskog@gmail.com>

New Update/Fwd: Update/Fwd: To: Fiona Bailey, Head of Collections

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Nov 20, 2012 at 7:55 AM

To:
Customer.Services@uuplc.co.uk

Hi,

I just wanted to update about that I’ve finally got some money on my bank-account now, so I’ve gotten to pay the earlier mentioned bill.

Sorry about the delay with this!

Best regards,

Erik Ribsskog

PS.

I attach a scanned copy of the receipt for this payment.

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

Date: Fri, Nov 16, 2012 at 12:36 PM
Subject: Update/Fwd: To: Fiona Bailey, Head of Collections
To: Customer.Services@uuplc.co.uk
Cc: Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>

Hi again,

and my account-number is: 409 563 4376.

I’ve had some problems with the Jobcentre lately.

They haven’t sent me my Jobseekers Allowance, for three months now.

So I think I’m £1 in arrears, (the token payment for 25/10).

But I’ll send this as soon as I get money from the Jobcentre.

Hope this is alright.

And my new address is:

10 Keith Court

Keith Avenue

Liverpool

L4 5XJ

In case I haven’t sent you that.

Best regards,

Erik Ribsskog

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

Date: Fri, Nov 16, 2012 at 11:58 AM
Subject: To: Fiona Bailey, Head of Collections
To: Customer.Services@uuplc.co.uk

Hi,

today I got a letter from you, in the post, and after I opened it, I saw that it was for Mr. Kirk, a previous tenant, at this address.

Mr. Kirk doesn’t live at this address any longer.

I’ve lived here since May.

You write something about ‘debt recovery’, so I send this e-mail just to update you about this.

Hope this is alright!

Yours sincerely,

Erik Ribsskog

PS.

I attach the mentioned letter

united utilities receipt.jpg
36K

20. november 2012
Jeg sendte en e-post til Wescot

Gmail – Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog
<eribsskog@gmail.com>

Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Nov 19, 2012 at 3:53 PM

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

Hi,

that e-mail was not regarding an offer of repayment.

I asked you to please delete the debt, like mentioned in the forwarded e-mail.

I also asked to get this _escalated_.

I can’t see that this has been escalated.

Erik Ribsskog

On Mon, Nov 19, 2012 at 3:20 PM, Contact Us <contactus@wescot.co.uk> wrote:

19^th November 2012

Dear Mr Ribsskog

Further to your recent email regarding an offer of repayment.

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

I can confirm that our client has requested that we agree a repayment offer with you, and to enable us to do this we would require your income and expenditure details. We have

included a form to be completed with this email.

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

Yours sincerely

Paul Stephenson

Accounts Controller

Email: contactus@wescot.co.uk

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

Sent: 15 November 2012 19:30

To: Contact Us
Cc: Q&A

Subject: Re: Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Hi,

I think telling me my signature isn’t mine is an insult, and that you should compensate by deleting my debt.

You can’t expect peoples signatures to always look exactly the same.

Surely a company like Capital One/Wescot should consult a handwriting-expert before you go on claiming lies like this.

And then, months later, Wescot want’s me to make a new budget, after Captial One last year stalled the process, with their lies, (I think I have to call it, since it was my signature).

And Wescot are also lieing telling me I don’t reply to your correspondence, (in a letter), even if I’ve replied to all your letters and e-mails.

I think your routines should be looked at.

Perhaps you could escalate this to your line-manager?

Erik Ribsskog

On Thu, Nov 15, 2012 at 12:04 PM, Contact Us <contactus@wescot.co.uk> wrote:

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 thatWescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views
of Wescot Credit Services Ltd.

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

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

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

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

19. november 2012
Jeg fikk et nytt brev fra DML

16. november 2012
Mer om budsjett

Gmail – Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog
<eribsskog@gmail.com>

Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 15, 2012 at 7:30 PM

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

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

Hi,

I think telling me my signature isn’t mine is an insult, and that you should compensate by deleting my debt.

You can’t expect peoples signatures to always look exactly the same.

Surely a company like Capital One/Wescot should consult a handwriting-expert before you go on claiming lies like this.

And then, months later, Wescot want’s me to make a new budget, after Captial One last year stalled the process, with their lies, (I think I have to call it, since it was my signature).

And Wescot are also lieing telling me I don’t reply to your correspondence, (in a letter), even if I’ve replied to all your letters and e-mails.

I think your routines should be looked at.

Perhaps you could escalate this to your line-manager?

Erik Ribsskog

On Thu, Nov 15, 2012 at 12:04 PM, Contact Us <contactus@wescot.co.uk> wrote:

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.

15. november 2012
Jeg sendte en e-post til Stepchange

Gmail – Stepchange Debt Charity

Erik Ribsskog
<eribsskog@gmail.com>

Stepchange Debt Charity

Erik Ribsskog

<eribsskog@gmail.com>

Wed, Nov 14, 2012 at 10:27 PM

To:
Q&A <contactus@stepchange.org>

Hi,

well I don’t like your new name.

It’s like you patronise and moralise people and say they’ve done something wrong.

Isn’t it also true that the credit card-companies pay for running your organisation?

It’s a bit like they sit on more than one side of the table here, I think.

So I have doubts about your agenda and your so-called independency now.

(Since I’ve noticed these things).

Erik Ribsskog

On Wed, Nov 14, 2012 at 2:05 PM, Q&A <contactus@stepchange.org> wrote:

Good afternoon

Thank you for your recent email.

We want to raise awareness of our services and stand apart from every other brand that offers debt advice. With a more

memorable name, a clearer identity and a stronger presence than ever before, we will not just reinforce our position as the leading debt charity, but we will also become the organisation that people turn to first when looking for
debt help. I hope this answers your question regarding our name change.

If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800 197 1704. We’re open

Monday to Friday 8am to 8pm.

Thanks

Lauren

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

Sent: 13 November 2012 17:45

To: Q&A
Subject: Re: Stepchange Debt Charity

Hi,

I don’t like the name Step Change.

It’s like you patronise and say I’ve done something wrong I think.

Isn’t that what your new name means?

Erik Ribsskog

On Tue, Nov 13, 2012 at 1:45 PM, Q&A <contactus@stepchange.org> wrote:

Good afternoon

Thanks for your recent email.

We have recently changed our name from CCCS to Step Change Debt Charity which is why you may be confused

by our reply to your email.

If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800

197 1704. We’re open Monday to Friday 8am to 8pm.

Thanks

Lauren

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 12 November 2012 18:41
To: Q&A
Subject: Re: Stepchange Debt Charity

Hi,

I haven’t had anything to do with Stepchange earlier to be honest.

Where did you find my e-mail?

Erik Ribsskog

On Mon, Nov 12, 2012 at 5:59 PM, Q&A <contactus@stepchange.org> wrote:

Good afternoon

Thank you for your email.

Could you confirm your web/client reference ?

Please confirm your full name, first line of address and post code for data protection.

Thanks

Donna

Hi,

I’ve sent you an e-mail about this on 8/11.

Best regards,

Erik Ribsskog

PS.

Here is more about this:

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 8, 2012 at 10:49 PM

To:
contact@dmpay.co.uk

Cc:
Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>

Hi,

I’m refering to your letter from 5/11, which I attach.

The Jobcentre haven’t sent me my five latest Jobseekers Allowance-payments, for no good reason.

I do my Jobseeking like the Jobcentre have previously told me they want me to do it, every week.

I have not been informed by the Jobcentre when they are going to start sending me my Jobseekers Allowance again.

And I no money for cutting my hair, or taking the train to job-interviews eighter.

So maybe Barclays can give me a loan, untill someone have cleaned the problems at the Jobcentre up?

I also have an insurance-case against Barclays, since where I used to live, in Leather Lane, in Liverpool, (untill August last year), I was thrown out, after I wasn’t sent a letter, for a court-hearing, so most of
my stuff was kept by the landlord, after the Police broke in to my flat.

But I don’t have money to buy stamps, so I haven’t gotten to send about this to Barclays insurance-department.

But you are perhaps a department of Barclays?

Then perhaps you could send about this to Barclays Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with the Landlord there).

I’ll pay the bill as soon as I get some money.

Sorry about the problems with this!

Yours sincerely,

Erik Ribsskog

table border=”0″ cellspacing=”0″ cellpadding=”0″ style=”background:white;text-align:start”>

dml

november.jpg

114K

On

Mon, Nov 12, 2012 at 8:06 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

Follow us on Twitter

http://twitter.com/moneyaware

Like
us on Facebook

http://www.facebook.com/moneyaware Read
the MoneyAware blog

http://moneyaware.co.uk

P

Please consider the environment before printing this e-mail.

——————————————————————————

This message may contain confidential information and is intended for the addressee only.If you have received this information in error, please return it to us and delete it from
your computer.
Although StepChange Debt Charity operates anti-virus programmes, it does not accept
responsibility for any damage whatsoever that is caused by viruses being passed.
As emails are not a secure method of communication, StepChange Debt Charity does not
accept legal responsibility for the contents of this message.
Foundation for Credit Counselling, trading as StepChange Debt Charity,
Wade House, Merrion Centre, Leeds LS2 8NG. Company No. 2757055, Charity No. 1016630.

Follow us on Twitter
http://twitter.com/moneyaware
Like us on Facebook
http://www.facebook.com/moneyaware
Read the MoneyAware blog
http://moneyaware.co.uk
P

Please consider the environment before printing this e-mail.

Follow us on Twitter
http://twitter.com/moneyaware
Like us on Facebook
http://www.facebook.com/moneyaware
Read the MoneyAware blog
http://moneyaware.co.uk
P
Please consider the environment before printing this e-mail.

14. november 2012
Jeg sendte en e-post til Wescot

Gmail – To: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog
<eribsskog@gmail.com>

To: Mrs. N. Farrow. Your ref: 49597867/S82A

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Nov 12, 2012 at 10:39 PM

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

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

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

wescot november.jpg
98K

PS.

Her er vedlegget:

12. november 2012
Jeg fikk et brev fra Wescot

12. november 2012