johncons

Stikkord: Budsjett

  • Jeg sendte en ny e-post til CCCS





    Gmail – CCCS



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    CCCS


    Erik Ribsskog

    <eribsskog@gmail.com>
    Mon, Aug 20, 2012 at 6:57 PM

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

    Cc:
    offers@wescot.co.uk

    Hi,

    thanks for your reply!
    I haven't got the budget here now, since it's a while a go since I set up the budget, and have moved a few times, since I set it up first.

    But, I'm still unemployed, and only get around £140 each forthnight, in Jobseekers Allowance.
    And the other crediors, have accepted my token-payment-offer, a year almost ago.
    But Capital One, (who Wescot enquires about my debt to), have been difficult towards me, I think.

    Capital One have told me my signature isn't mine, and things like that, so the process have been delayed.
    I think they are unreasonable if they want me to set up a new budget just because of them, when I'm still unemployed.

    When I only get the jobseekers allowance, then they should understand that I need these money for food and clothes, etc.
    It isn't my fault that they didn't recognise my signature at the company they co-operate with, that's Capital One.

    I think they are unreasonable.
    The Liverpool City Council recently contacted me about a Council Tax-debt, from the same time, (when I worked as Self Employed, and I hadn't heard about income-support, so my economy was bad).

    And I just explained to the Council that I was unemployed, and then I didn't have to fill out the income and expenditure-form.
    The Council just sent my debt to the Jobcentre.

    And this was even a priority debt.

    My budget isn't that in detail now, since I've been moving a couple of times.
    What difference does it make if what I use my few punds on, if one only get around £140 a fourtnight, then one aren't going to be rich anyway.

    So I have really explained my situation I think.
    In Norway we aren't that organised always, so I don't write up what I use every penny on.

    But it isn't that much money I get anyway, so I think Wescot should just accept my offer, on £1 token-payment a month.

    Best regards,
    Erik Ribsskog

    On Mon, Aug 20, 2012 at 5:37 PM, Q&A <contactus@cccs.co.uk> wrote:

    Good afternoon

    Thank you for your email.

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

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

    Kind regards

    Jonathan

    Twitter Follow us on Twitter
    http://twitter.com/moneyaware

    Read the MoneyAware blog
    http://moneyaware.co.uk

    P Please consider the environment before printing this e-mail.

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

    Sent: 19 August 2012 20:59
    To: Q&A
    Cc:
    offers@wescot.co.uk
    Subject: Problems with Wescot/Fwd: Update/Fwd:
    Wescot reference: D3/49597867 (Regarding Capital One-debt).

    Hi,

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

    (Like I've offered my other creditors).

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

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

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

    What do you think at CCCS about this?

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

    I attach the letter from Wescot.

    Yours sincerely,

    Erik Ribsskog

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

    Date:
    Fri, Aug 10, 2012 at 10:35 PM
    Subject: Update/Fwd: Wescot reference:
    D3/49597867 (Regarding Capital One-debt).
    To: offers@wescot.co.uk

    Hi,

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

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

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

    So this is my offer.

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

    I think is unnessesary paper-work then.

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

    They
    have just accepted my token-payment-offer.

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

    Hope this is alright!

    Best regards,

    Erik Ribsskog

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

    Date: Sat, Jul 21, 2012 at
    10:31 AM
    Subject: Wescot reference: D3/49597867 (Regarding Capital
    One-debt).
    To: offers@wescot.co.uk

    Hi,

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

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

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

    Hope this is alright!

    Yours sincerely,

    Erik Ribsskog



  • Jeg sendte en e-post til CCCS





    Gmail – Problems with Wescot/Fwd: Update/Fwd: Wescot reference: D3/49597867 (Regarding Capital One-debt).



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    Problems with Wescot/Fwd: Update/Fwd: Wescot reference: D3/49597867 (Regarding Capital One-debt).


    Erik Ribsskog

    <eribsskog@gmail.com>
    Sun, Aug 19, 2012 at 8:59 PM

    To:
    contactus@cccs.co.uk

    Cc:
    offers@wescot.co.uk

    Hi,

    I've told Wescot I'm unemployed and have offered them a £1 monthly token-payment untill I find new employment.
    (Like I've offered my other creditors).

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

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

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

    What do you think at CCCS about this?

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

    I attach the letter from Wescot.

    Yours sincerely,
    Erik Ribsskog

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

    Date: Fri, Aug 10, 2012 at 10:35 PM
    Subject: Update/Fwd: Wescot reference: D3/49597867 (Regarding Capital One-debt).
    To: offers@wescot.co.uk

    Hi,

    I got an income and expenditure-form, in the post, from you, earlier this week.
    I don't understand the point in me filling out that form.
    I've already told you that I'm on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

    So this is my offer.

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

    I think is unnessesary paper-work then.
    None of my other creditors have sent me a form like that.

    They have just accepted my token-payment-offer.

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

    Best regards,

    Erik Ribsskog
    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Sat, Jul 21, 2012 at 10:31 AM

    Subject: Wescot reference: D3/49597867 (Regarding Capital One-debt).
    To: offers@wescot.co.uk

    Hi,

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

    I'm currently unemployed, and on a budget in co-operation, with CCCS.
    My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

    Hope this is alright!

    Yours sincerely,

    Erik Ribsskog



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    PS.

    Her er vedlegget:

    budsjett 19 august

  • Jeg fikk et brev angående budsjett

    budsjett 19 august

  • Jeg sendte en ny e-post angående budsjett





    Gmail – Update/Fwd: Wescot reference: D3/49597867 (Regarding Capital One-debt).



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    Update/Fwd: Wescot reference: D3/49597867 (Regarding Capital One-debt).


    Erik Ribsskog

    <eribsskog@gmail.com>
    Fri, Aug 10, 2012 at 10:35 PM

    To:
    offers@wescot.co.uk

    Hi,

    I got an income and expenditure-form, in the post, from you, earlier this week.
    I don't understand the point in me filling out that form.
    I've already told you that I'm on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

    So this is my offer.

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

    I think is unnessesary paper-work then.
    None of my other creditors have sent me a form like that.

    They have just accepted my token-payment-offer.

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

    Best regards,

    Erik Ribsskog
    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Sat, Jul 21, 2012 at 10:31 AM

    Subject: Wescot reference: D3/49597867 (Regarding Capital One-debt).
    To: offers@wescot.co.uk

    Hi,

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

    I'm currently unemployed, and on a budget in co-operation, with CCCS.
    My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

    Hope this is alright!

    Yours sincerely,

    Erik Ribsskog



  • Enda en e-post til Liverpool City Council





    Gmail – Council Tax arrears Flat 3,5 Leather Lane,Liverpool,L2 2AE



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    Council Tax arrears Flat 3,5 Leather Lane,Liverpool,L2 2AE


    Erik Ribsskog

    <eribsskog@gmail.com>
    Tue, Aug 7, 2012 at 2:46 PM

    To:
    "Levine, Anthony" <Anthony.Levine@liverpooldirectlimited.co.uk>

    Hi,

    3.55 a week is ok.
    It was untill recently like this.
    I don't know who changed this.
    (Like I write in my crossing e-mail).

    Best regards,

    Erik Ribsskog

    On Tue, Aug 7, 2012 at 2:42 PM, Levine, Anthony <Anthony.Levine@liverpooldirectlimited.co.uk> wrote:

    Dear Mr Ribsskog

    Thank you for your e mail

    Council Tax is a priority debt .

    As you are in receipt of JSA I will request direct deductions of £3.55 each week (in accordance with DWP guidelines) direct from your
    benefit.

    ANTHONY LEVINE

    PRINCIPAL ENFORCEMENT OFFICER

    Liverpool
    Direct Limited

    Tel: 0151 225 4718

    Email: anthony.levine@liverpooldirectlimited.co.uk

    Web:
    www.liverpooldirectlimited.co.uk

    P
    Please consider the environment before printing this e-mail. Thank you

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

    Sent: 07 August 2012 14:18

    To: Levine, Anthony

    Subject: Re: Council Tax arrears Flat 3,5 Leather Lane,Liverpool,L2 2AE

    Hi,

    I'm on a budget in co-operation with the CCCS.

    And I usually only offer a token-payment of £1 to my creditors.

    This is something called a token-payment.

    And this is only untill I get a new job.

    Then I'll pay more.

    This is how the CCCS has adviced me to deal with my situation as un-employed.

    To make it more clear that this is only a token-payment-offer, I'll reduce my payment-offer to £1 a month, from next month.

    Hope this is easier to understand now!

    Yours sincerely,

    Erik Ribsskog

    On Tue, Aug 7, 2012 at 1:46 PM, Levine, Anthony <Anthony.Levine@liverpooldirectlimited.co.uk>
    wrote:

    Mr E Ribsskog

    10 Keith Court

    Keith Avenue

    L4 5XJ

    by e mail ;-ERIBSSKOG@GMAIL.COM


    Dear Mr Ribsskog


    Council Tax arrears
    Flat 3,5 Leather Lane,Liverpool,L2 2AE

    -£449.41 Due

    Thank you for contacting my office.

    Your means form is incomplete as only the first page has been received.

    In any event your recent offer of payment of £ 5 per month is not acceptable as this will take 7 years to discharge the debt and recovery action may continue.

    This will mean you will have to pay further costs.

    Please revise your offer and provide full details of your outgoings.

    If you want to discuss this further, please visit one of our One Stop Shops. You can hand in evidence/documents without an appointment or make an appointment
    to see a member of staff by calling 0151-233 3016.

    Yours sincerely

    Anthony M Levine


    ANTHONY LEVINE

    PRINCIPAL ENFORCEMENT OFFICER

    Liverpool
    Direct Limited

    Tel: 0151 225 4718

    Email: anthony.levine@liverpooldirectlimited.co.uk

    Web: www.liverpooldirectlimited.co.uk

    P
    Please consider the environment before printing this e-mail. Thank you

    ______________________________________________________________________

    DISCLAIMER:

    The information in this e-mail is confidential and may be read, copied or used only by the intended recipient(s). If you have received it in error please contact the sender immediately by returning the e-mail or by telephoning a number contained in the body
    of the e-mail then and please delete the e-mail without disclosing its contents elsewhere. No responsibility is accepted for loss or damage arising from viruses or changes made to this message after it was sent. The views contained in this email are those
    of the author and not necessarily those of the authors employer or service provider.

    This email has been automatically scanned for viruses and malicious content by MessageLabs for your protection

    ______________________________________________________________________

    ______________________________________________________________________

    This email has been automatically scanned for viruses and malicious content by MessageLabs for your protection

    ______________________________________________________________________



    ______________________________________________________________________

    DISCLAIMER:

    The information in this e-mail is confidential and may be read, copied or used only by the intended recipient(s). If you have received it in error please contact the sender immediately by returning the e-mail or by telephoning a number contained in the body of the e-mail then and please delete the e-mail without disclosing its contents elsewhere. No responsibility is accepted for loss or damage arising from viruses or changes made to this message after it was sent. The views contained in this email are those of the author and not necessarily those of the authors employer or service provider.

    This email has been automatically scanned for viruses and malicious content by MessageLabs for your protection

    ______________________________________________________________________



  • Jeg sendte en ny e-post til Liverpool City Council





    Gmail – Council Tax arrears Flat 3,5 Leather Lane,Liverpool,L2 2AE



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    Council Tax arrears Flat 3,5 Leather Lane,Liverpool,L2 2AE


    Erik Ribsskog

    <eribsskog@gmail.com>
    Tue, Aug 7, 2012 at 2:18 PM

    To:
    "Levine, Anthony" <Anthony.Levine@liverpooldirectlimited.co.uk>

    Hi,

    I'm on a budget in co-operation with the CCCS.
    And I usually only offer a token-payment of £1 to my creditors.
    This is something called a token-payment.

    And this is only untill I get a new job.

    Then I'll pay more.
    This is how the CCCS has adviced me to deal with my situation as un-employed.
    To make it more clear that this is only a token-payment-offer, I'll reduce my payment-offer to £1 a month, from next month.

    Hope this is easier to understand now!

    Yours sincerely,

    Erik Ribsskog

    On Tue, Aug 7, 2012 at 1:46 PM, Levine, Anthony <Anthony.Levine@liverpooldirectlimited.co.uk> wrote:

    Mr E Ribsskog

    10 Keith Court

    Keith Avenue

    L4 5XJ

    by e mail ;-ERIBSSKOG@GMAIL.COM


    Dear Mr Ribsskog


    Council Tax arrears
    Flat 3,5 Leather Lane,Liverpool,L2 2AE

    -£449.41 Due

    Thank you for contacting my office.

    Your means form is incomplete as only the first page has been received.

    In any event your recent offer of payment of £
    5 per month is not acceptable as this will take 7 years to discharge the debt and recovery action may continue.

    This will mean you will have to pay further costs.

    Please revise your offer and provide full details of your outgoings.

    If you want to discuss this further, please visit one of our One Stop Shops. You can hand in evidence/documents
    without an appointment or make an appointment to see a member of staff by calling 0151-233 3016.

    Yours sincerely

    Anthony M Levine


    ANTHONY LEVINE

    PRINCIPAL ENFORCEMENT OFFICER

    Liverpool Direct Limited

    Tel: 0151 225 4718

    Email: anthony.levine@liverpooldirectlimited.co.uk

    Web: www.liverpooldirectlimited.co.uk

    P
    Please consider the environment before printing this e-mail. Thank you



    ______________________________________________________________________

    DISCLAIMER:

    The information in this e-mail is confidential and may be read, copied or used only by the intended recipient(s). If you have received it in error please contact the sender immediately by returning the e-mail or by telephoning a number contained in the body of the e-mail then and please delete the e-mail without disclosing its contents elsewhere. No responsibility is accepted for loss or damage arising from viruses or changes made to this message after it was sent. The views contained in this email are those of the author and not necessarily those of the authors employer or service provider.

    This email has been automatically scanned for viruses and malicious content by MessageLabs for your protection

    ______________________________________________________________________



  • Jeg sendte en ny e-post angående budsjett





    Gmail – Barclays Bank – Notice of Proceedings



    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>


    Barclays Bank – Notice of Proceedings


    Erik Ribsskog

    <eribsskog@gmail.com>
    Tue, Jun 12, 2012 at 8:11 AM

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

    Hi,

    it isn't in arrears because I wrote to you, on 18/5, that I'd moved to a new address, and that I needed new giros with the right address on, and:
    '
    I hope this e-mail can be like the token-payment, for the month of May.'.

    And this you haven't said wasn't ok.


    So I've interperated that as my next token-payment is on 19/6, for £1.

    But since I send you this e-mail, I think this could be like the token-payment for the month of June, (since then I don't have to pay the charge, for £2-3).


    So my next payment is then on 19/7, for a £1 token-payment.

    Hope this is alright!

    Yours sincerely,


    Erik Ribsskog

    On Tue, Jun 12, 2012 at 8:05 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



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    fredrickson international

    fredrickson international 2

  • Jeg sendte en ny e-post til Capital One







    Gmail – Re: Holy, Capital One, phone number 0115 843 3722, option 3 (KMM22810432V76145L0KM)







    Gmail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Re: Holy, Capital One, phone number 0115 843 3722, option 3 (KMM22810432V76145L0KM)




    Erik Ribsskog

    <eribsskog@gmail.com>


    Tue, Jan 17, 2012 at 10:57 AM





    To:

    Capital One – Abuse <abuse@capitalone.com>


    Cc:

    contactus@cccs.co.uk



    Hi,

    like I've written to you earlier, your message-system doesn't work for my account.
    Also, I think regular e-mails are better, since they let people keep a copy of the correspondence in their e-mail folder.

    Because I don't like to argue on the phone, about things like this.
    (And it's also expensive to call from a mobile).
    If Capital One Abuse can send an e-mail, then your other departments should be able to send e-mails as well, I think.

    And I've tried to send you a letter, but then you say it's not my signature.
    So I don't think we get any longer.
    Maybe CCCS can help, and set up a payment-agreement for £1 token-payments, for me, due to these problems with the correspondence.

    I therefore forward this e-mail to the CCCS and hope they can help.
    Regards,

    Erik Ribsskog

    On Tue, Jan 17, 2012 at 4:56 AM, Capital One – Abuse <abuse@capitalone.com> wrote:

    Hello Erik Ribsskog,

    Thanks for your message.

    If you are a Capital One® customer in the United Kingdom (UK), please go

    to www.capitalone.co.uk to enrol your account and send a secure message.

    If you are not a Capital One customer but have a question for us, please

    call us at 08458 400 400. Representatives are available 24 hours every

    day.

    Please note, calls to 0845 numbers will be charged at a local rate. The

    cost will vary depending on your service provider. Calls may be

    recorded/monitored for training purposes.

    If you are calling from abroad, please call +44 115 993 8002.

    Representatives are available 24 hours every day.

    Since regular electronic correspondence is not a secure method of

    contacting us and we wish to protect the integrity of account

    information, Capital One prefers to discuss personal and

    account-specific questions by secure message and telephone rather than

    by e-mail. We assure you that all other electronic contact with us such

    as viewing statements and making payments is secure.

    We look forward to new opportunities to assist you.

    Regards,

    Capital One

    Original Message Follows:

    ————————

    Hi,

    Holy left me a voicemail on Friday asking me to call her, on the number

    in the subject-line.

    Could you please ask her to contact me on e-mail since I don't want to

    argue about this, over the phone.

    (My offer is a token-payment of £1, monthly, (like I pay my other

    creditors), untill I get a job).

    Thanks in advance for any help!

    Yours sincerely,

    Erik Ribsskog

    PS.

    I'm sending this to you since I couldn't find a regular e-mail address,

    for Capital One, and I'm blocked from the mail-facility on your website,

    it seems.

    The information contained in this e-mail is confidential and/or proprietary

    to Capital One and/or its affiliates. The information transmitted herewith

    is intended only for use by the individual or entity to which it is

    addressed. If the reader of this message is not the intended recipient,

    you are hereby notified that any review, retransmission, dissemination,

    distribution, copying or other use of, or taking of any action in reliance

    upon this information is strictly prohibited. If you have received this

    communication in error, please contact the sender and delete the material

    from your computer.





  • Jeg sendte en ny e-post til Capital One







    Gmail – Holy, Capital One, phone number 0115 843 3722, option 3







    Gmail


    Erik Ribsskog

    <eribsskog@gmail.com>



    Holy, Capital One, phone number 0115 843 3722, option 3




    Erik Ribsskog

    <eribsskog@gmail.com>


    Sun, Jan 15, 2012 at 2:05 AM





    To:

    Capital One – Abuse <abuse@capitalone.com>


    Cc:

    contactus@cccs.co.uk



    Hi,

    Holy left me a voicemail on Friday asking me to call her, on the number in the subject-line.
    Could you please ask her to contact me on e-mail since I don't want to argue about this, over the phone.

    (My offer is a token-payment of £1, monthly, (like I pay my other creditors), untill I get a job).

    Thanks in advance for any help!

    Yours sincerely,

    Erik Ribsskog

    PS.
    I'm sending this to you since I couldn't find a regular e-mail address, for Capital One, and I'm blocked from the mail-facility on your website, it seems.