johncons

Stikkord: Capital One

  • Jeg sendte enda en e-post til Lowell (i England)

    Erik Ribsskog <eribsskog@gmail.com>
    Update/Fwd: Token-payments/Fwd: Manage your accounts online
    Erik Ribsskog <eribsskog@gmail.com> 2. desember 2025 kl. 07:39
    Til: complaintsresolution@lowellgroup.co.uk
    Kopi: customer_services@lowellgroup.co.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no, newsdesk@independent.co.uk, contactus@amnesty.org
    Hi,

    I've now used PayPal, to send some money, to my RBS-account.

    So now I've actually already paid the token-payment for this month.

    (See attachment).

    And then I thought, that I'm going to send the next token-payment (£1) by the end of next month.

    Hope this is alright!

    Regards,

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: tir. 2. des. 2025 kl. 01:10
    Subject: Token-payments/Fwd: Manage your accounts online
    To: <complaintsresolution@lowellgroup.co.uk>
    Cc: <customer_services@lowellgroup.co.uk>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, inger.lise.blyverket <inger.lise.blyverket@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <goa@gjeld.org>, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, complaint.info <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <data.access@justice.gov.uk>, emb.london <emb.london@mfa.no>, <post@rettferdnorge.no>, <derya.incedursun@nordea.no>, <newsdesk@independent.co.uk>, <contactus@amnesty.org>


    Hi,

    I've now contacted RBS, and I've managed to get the internet-banking up and running again.

    But it turns out, I only have 88 pence on my RBS current-account.

    (I haven't used this account much, since I moved back to Norway, in 2017).

    So if you tell me your account-number, I can pay you 80 pence this month (by 31/12).

    And then I can start paying the regular token-payments (£1) next month (by 31/1).

    Hope this is ok!

    Regards,

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Lowell <noreply@lowellgroup.co.uk>
    Date: man. 1. des. 2025 kl. 17:55
    Subject: Manage your accounts online
    To: <eribsskog@gmail.com>


    Lowell Logo


    Please don’t ignore
    this message, we want
    to help you
    Your Lowell reference number is:
    120143797

    Hello Mr Erik Ribsskog,
    We’ve asked you to contact us about your outstanding account(s) several times, but we haven’t heard anything back. Please don’t ignore this email. We need you to either set up a payment plan online or call us to let us know how you’ll be paying your account(s).
    DownArrows
    You don’t even have to call us
    We appreciate that many people are uncomfortable talking about their money worries over the phone. With Lowell, you don’t need to. You can make payments and set up an affordable interest-free payment plan online.
    Set up a payment plan
    DownArrows
    Our payment plans are affordable and
    interest-free
    Many of our customers opt to set up an affordable interest-free payment plan. It’s a popular way to pay because it means you can spread your payments over a longer period so you’re not left short every month.
    Set up a payment plan
    DownArrows
    How do I start paying off my Lowell debt?
    1. Work out how much you can afford to pay
    Use our budget calculator to see how much you can afford to pay.
    Budget calculator

    2.
    Set up your personal interest-free payment plan
    You decide how much you can afford then set up your personal payment plan. It really is that simple.
    Get started now
    DownArrows
    Need help?
    Just call 0333 556 5700 to chat through your situation with one of our friendly agents. We’re here to listen, not judge. We promise we’ll try to help you overcome your debt troubles, not add to them.

    If you want to see all of your accounts, please visit our app or website.
    DownArrows
    Free debt advice and information
    StepChange Debt Charity
    0800 138 1111
    stepchange.org

    National Debtline
    0808 808 4000
    nationaldebtline.org

    See what people say about us
    It's extremely embarrassing having to deal with debt over the phone. So, I love how you can do this online with Lowell. And easily change payments up or down to suit my situation. Also, I can see everything in one place. A very good service!

    Beverley, GB. 20/02/2024
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    Trust pilot five star rating

    We hold this e-mail address on your file and would like to use it to communicate with you. If you are not the person this email was intended for, please let us know and we will update our records.

    Calls from a landline will be charged at a local rate; mobile charges may vary.

    Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration Number 4857418, and Lowell Financial Ltd, Company Registration Number 4558936, are registered in England and Wales. Registered Office: No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.

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    Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice at www.lowell.co.uk/our-privacy-promise explains how we use the personal data we collect and how you can exercise your data protection rights. If you would like a copy, please contact us.



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    114K

    PS.

    Her er vedlegget:

  • Jeg sendte en e-post til Namsfogden

    Erik Ribsskog <eribsskog@gmail.com>
    Klage/Fwd: Klage/Fwd: Klage/Fwd: Ny klage/Fwd: Klage/Fwd: Elektronisk forsendelse fra Sivilombudet
    Erik Ribsskog <eribsskog@gmail.com> 18. november 2025 kl. 03:44
    Til: post.namsmann@skatteetaten.no
    Kopi: postmottak@sivilombudet.no, Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, kunde@ishavskraft.no, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, elklage@elklage.no, kristin.andersson@intrum.com, ir@intrum.com, dr.michelvanderbel@careceo.com, anne.nysaether@elvia.no, mail@retshjaelpen.dk, h.bleken@haavind.no, b2b-no@jysk.com, ungbo@vel.oslo.kommune.no, goa@gjeld.org, rettslig.no@lowell.com, Runcorn Office <runcornoffice@taroe.org>, Info <info@tpas.org.uk>, Dun & Bradstreet Norway Credit Oppdatering <ksp.no@dnb.com>, post <post@spesialenheten.no>, customer_services@lowellgroup.co.uk, customer.complaints@ee.co.uk, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, post@rettferdnorge.no, newsdesk@independent.co.uk, contactus@amnesty.org
    Hei,

    jeg viser til Deres brev av 14. oktober.

    (Se vedlegg).

    Det står i brevet deres, at jeg er min egen prosessfullmektig.

    Men det har jeg aldri kalt meg.

    Og det er ikke sånn, at dette er en ønsket situasjon.

    Statsforvalteren (eller Fylkesmannen som det het før) nekter meg fri rettshjelp, i sak etter sak.

    (Da jeg bodde i England (hvor jeg bodde fra 2004 til 2014) så fikk jeg fem timer fri rettshjelp.

    Jeg hadde startet en omsorgssvikt-sak mot min raggar-far (som flytta til ei Haldis Humblen og hennes unge sønn og datter, våren 1980) med det resultatet, at jeg ble boende aleine, fra jeg var ni år.

    Og da endret Fylkesmannen på det (sånn som jeg husker det) sånn at støtten ble til en sak mot Svelvik kommune (som nå er nedlagt) istedet.

    Og advokaten (Ida Valen Rukke) slutta i jobben, mens hu dreiv på med min sak.

    Og jeg har også frostskade-sak (jeg fikk frostskade på øret under førstegangstjenesten), forfatter-stipend-sak, pensjonsbeholdning-sak, arv etter mormor-sak, lagerbod-sak, osv., osv.

    https://johncons.net/rettighetssaker.html

    Men jeg har blitt nekta fri rettshjelp, i alle saker (uten unntak) siden jeg flytta tilbake fra England, høsten 2014).

    Jeg har til og med kontakta datteren til statsforvalter Valgerd Svarstad Haugland, for å høre hva mora driver med.

    For jeg har ikke fått svar på mine henvendelser til Statsforvalteren i Oslo og Akershus.

    Og han nye statsforvalteren (Sanner) er en jeg har jobbet i lag med, i politikken.

    (En tidligere klassekamerat ved navn Magne Winnem dro meg med på møte i Oslo Unge Høyre, våren/sommeren 1991.

    Og Sanner huket tak i Winnem og meg (etter møtet/kurskvelden) og vi fikk ansvaret for å være med (sammen med Sanner og Bård Brende) på å finpusse/endre Unge Høyre sitt program, før valgkampen høsten 1991.

    Og dette nekter Unge Høyre/Høyre å gi meg attest for.

    Så dette er en litt kronglete situasjon (jeg ble bare med på et møte, før Winnem så dro meg med på valgkampåpning, i Spikkersuppa, høsten 1991, hvor Sanner sa takk for hjelpen).

    Så det må jeg klage på.

    At det ikke opplyses om, at jeg blir nekta fri rettshjelp.

    (Det kan virke som (fra deres brev) at dette er noe jeg ønsker selv (å være min egen prosessfullmektig).

    Men det er ikke riktig.

    Jeg skulle heller ønske at jeg hadde hatt advokat i denne saken (og også i de andre nevnte sakene)).

    Det virker også som at dere harselerer med meg, i deres brev.

    Dere skriver (når dere kommenterer min forrige mail): 'Blant mye annet som ikke vedkommer saken'.

    Og det synes jeg, at blir som noe harselering.

    Jeg prøver bare å forklare saken, så bra som mulig.

    (Pluss at jeg prøver å varsle om, at Lowell visst er helt besatte av meg (kan det virke som).

    De kjøper alt av gammel 'små-gjeld' (i England) fra Capital One og EE.

    Og i Norge gjør de også noe lignende.

    Det må vel sies å være besynderlig, at et inkasso-firma visst ønsker å ha all min gjeld.

    Det blir som noe fra det tidligere Sovjetunionen.

    Må man vel si).

    Og dere (hos Namsmannen) får ikke med dere hovedpoenget (kan det virke som).

    Nemlig at det foreligger et vedtak om, at Nav skal betale denne strøm-regningen.

    Så her retter dere baker for smed.

    (Som det vel heter).

    Det er nemlig Nav Bærum som er riktig adresse, for dette kravet.

    (Vil jeg si).

    Skjerpings!

    Erik Ribsskog

    PS.

    Dere skriver også, at kravet (fra Lowell) er uimotsagt.

    Men det er feil å si.

    Jeg har forklart i min forrige mail, at dette er et ugyldig krav (mot meg).

    Kravet er (som nevnt overfor) mot Nav Bærum.

    (For å si det sånn).

    Skjerpings!


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: tor. 18. sep. 2025 kl. 05:11
    Subject: Klage/Fwd: Klage/Fwd: Ny klage/Fwd: Klage/Fwd: Elektronisk forsendelse fra Sivilombudet
    To: <post.namsmann@skatteetaten.no>
    Cc: <postmottak@sivilombudet.no>, Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, <kunde@ishavskraft.no>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <elklage@elklage.no>, <kristin.andersson@intrum.com>, <ir@intrum.com>, <dr.michelvanderbel@careceo.com>, <anne.nysaether@elvia.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <b2b-no@jysk.com>, <ungbo@vel.oslo.kommune.no>, <goa@gjeld.org>, <rettslig.no@lowell.com>, Runcorn Office <runcornoffice@taroe.org>, Info <info@tpas.org.uk>, Dun & Bradstreet Norway Credit Oppdatering <ksp.no@dnb.com>, post <post@spesialenheten.no>, <customer_services@lowellgroup.co.uk>, <customer.complaints@ee.co.uk>, complaint.info <complaint.info@financial-ombudsman.org.uk>


    Hei,

    jeg viser til Deres brev fra 5. september.

    (Se vedlegg).

    Dette har jeg sendt Lowell mange mailer om.

    (Se mail-historie).

    Jeg har prøvd å ta det med Sivilombudet.

    Og Lowell har fått kopi av alle mailene.

    Jeg ser (i brevet) at dette gjelder en strøm-regning, fra april i fjor.

    Det er sånn, at jeg har bodd i kommunal bolig (i Bærum) fra sommeren 2018.

    Og jeg har da levd på sosialstøtte (livsopphold).

    Og det har hele tiden (en gang i halvåret) blitt fattet nytt vedtak (fra Nav Bærum).

    Og på alle de vedtakene, så står det, at Nav skal dekke strøm-regninger.

    (Siden at jeg er arbeidsledig for tiden).

    Og jeg leverer da fakturaene hos Nav (i Sandvika) rundt den tjuende, hver måned.

    Og likevel så skjer det, at et par ganger i året, så går strøm-regningen til inkasso.

    Og jeg blir da skvisa mellom inkasso-byrået og Nav.

    For jeg har gjort min jobb (jeg har leverert regningen til Nav).

    Men Nav tuller (det er mulig at de mange vikarer, eller noe i den duren).

    Og da blir det hver gang, en papir-mølle uten like.

    Jeg må sende kanskje ti mailer hver gang, om dette.

    (Til inkasso-byrået).

    Under pandemien, så var det sånn, at et inkasso-byrå (enten Lowell eller Intrum) kontakta Nav direkte, og fikk pengene.

    Så hvorfor kan de ikke gjøre det sånn nå?

    Nei, her er det noen ugler i mosen, vil jeg si.

    Det er bare for Lowell å kontakte Nav Bærum å få pengene sine.

    Så her tuller Lowell (og later som at de ikke har fått mailene mine) vil jeg si.

    Jeg bodde i England fra 2004 til 2014.

    Og også høsten 2017.

    Og i 2017, så fikk jeg meg internett, fra EE.

    Og Lowell i England, har i etterkant av pandemien kontaktet meg.

    Og så sier det, at jeg skylder EE penger.

    Men jeg gikk tilbake til EE-butikken (i Liverpool sentrum) og klagde.

    For ruteren gikk stadig tom for strøm (selv om den hele tiden var plugget inn i laptopen).

    (Den hadde muligens for dårlig generasjon, når det gjelder USB-ledning.

    Dette var en gul ruter (mobilt bredbånd) med gul ledning).

    Og EE-butikk-mannen var helt grønn, når det gjaldt hva problemet var.

    Så jeg kjøpte meg en ny ruter, fra '3'.

    Og så var det sånn, at jeg likevel testa EE-ruteren nå og da.

    Og den slutta plutselig å virke.

    (EE må ha sperra sim-kortet, eller noe).

    Og da var jeg midt i en flytting.

    (Jeg fikk meg leilighet i Tuebrook.

    Og jeg hadde bare med en koffert over til England.

    Så det var mye jeg måtte kjøpe til leiligheten (hvor jeg skulle drive min nettbutikk Posegodt).

    Så jeg hadde mye annet å drive med, enn den EE-ruteren.

    Så jeg bare fortsatte med å bruke 3-ruteren).

    Så det var feil (som Lowell England sa) at jeg skyldte EE penger.

    Det var heller omvendt.

    EE burde betalt tilbake de pengene de fikk av meg, for denne dårlige/gammeldagse ruteren.

    Og det var ikke sånn, at jeg fikk pengene tilbake (fra Lowell/EE).

    Men Lowell England begynte istedet å 'gnåle' om et kreditt-kort (Capital One) som jeg fikk meg, da jeg bodde i Liverpool sentrum (hvor jeg bodde fra 2006 til 2011).

    Så Lowell har kanskje fabrikert en norsk sak her, siden at de liksom mistet ansikt, når det gjaldt EE-saken.

    Så dette må jeg klage på.

    Her foreligger det avtale-brudd fra Nav (det foreligger en avtale om at de skal betale mine strøm-regninger for tida).

    Og så bruker Lowell dette som en grunn, til å plage/terrorisere meg (istedet for å bare kontakte Nav, og få pengene sine).

    (Kan det virke som).

    Og det stod også noe om Forliksrådet, i brevet.

    Jeg har en høyskolekandidat-grad i IT, fra HiO IU.

    Men før jeg studerte der (og på NHI og University of Sunderland).

    Så gikk jeg et løp (som de sier) som ble kalt 'datalina' på handel og kontor.

    Da hadde vi mange økonomi-fag, det andre året.

    Og jeg mener å ha lært der, at saker kun skal sendes til Forliksrådet, dersom _begge_ parter er enige i dette.

    Og jeg ser ikke noe vits i, å diskutere noe rundt dette, hos Forliksrådet.

    Her er det sånn, at det foreligger en avtale om, at Nav skal betale denne regningen.

    Her er det ikke noe å diskutere.

    Enten så foreligger det en avtale, eller så foreligger det ikke en avtale.

    Jeg har sikkert det vedtaket fra Nav, liggende et sted.

    (Hvis dere ikke tror på meg.

    Og jeg mener også å ha sendt kopi av vedtak tidligere, til Lowell).

    Så å kaste bort tid og ressurser, på et møte hos Forliksrådet.

    Det virker helt åndssvakt for meg.

    Her er det Lowell som nekter å innse, at dette er noen penger, som Nav skylder dem.

    Og så prøver de å dra meg (og mitt gode navn) ned i dritten.

    (Kan det virke som).

    Så dette må jeg klage på.

    Skjerpings!

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: søn. 24. aug. 2025 kl. 20:17
    Subject: Klage/Fwd: Ny klage/Fwd: Klage/Fwd: Elektronisk forsendelse fra Sivilombudet
    To: <postmottak@sivilombudet.no>
    Cc: Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, <kunde@ishavskraft.no>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <elklage@elklage.no>, <kristin.andersson@intrum.com>, <ir@intrum.com>, <dr.michelvanderbel@careceo.com>, <anne.nysaether@elvia.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <b2b-no@jysk.com>, <ungbo@vel.oslo.kommune.no>, <goa@gjeld.org>, <rettslig.no@lowell.com>, Runcorn Office <runcornoffice@taroe.org>, Info <info@tpas.org.uk>


    Hei,

    nå har jeg fått et nytt brev fra Lowell.

    (Se vedlegg).

    Beløpet har økt, med drøye 2000, siden i sommer.

    Så det kan virke som at Nav har sluntret unna, når det gjelder å betale, enda en strøm-regning.

    Så dette må jeg klage på.

    Det foreligger vedtak om, at Nav betaler mine strøm-regninger for tida, siden at jeg er sosial-klient (og kun får livsopphold-støtte).

    Så her må dere bruke pisk og gulerot (som de sier) for å få Nav Bærum til å gjøre jobben sin.

    Jeg lurer også på hvorfor Sivilombudet ikke svarte i juli.

    Alle skulle kanskje til hytta fortest mulig.

    Dette må jeg klage på.

    Jeg har som hobby å drive med slektsforskning.

    Og det var sånn, at min far hadde en samboer, som het Haldis Humblen (RIP) på 80-tallet.

    (Disse tvang meg til å bo aleine, for de disponerte to boliger.

    Og jeg ble tvunget til å bo aleine i en leilighet tilhørende min farfars firma Strømm Trevareindustri).

    Men min far hadde også ei på si, på Bislett.

    Dette var ei Margrethe.

    Og jeg lurer på om det kan ha vært Margrethe Surlien (fra Svelvik, hvor min far også er fra).

    Og en gang (på første halvdel av 80-tallet) så var det sånn, at søstera til Margrethe, kjørte min far, Margrethe og meg, fra Bislett til Vippetangen (for min far dro med meg (og Margrethe) på Danmarkstur, med Stena Saga).

    Og hun sjåføren (som knapt kunne kjøre) det lurer jeg på om kan ha vært Rakel Surlien (tidligere miljøvernminister).

    Og greia er, at disse Surlien-søstrene, de er etterkommere av Harlem-slekten, på morssiden (har jeg funnet ut).

    Så jeg er visst mer eller mindre i slekt med sivilombud Hanne Harlem (og hennes mer kjente storesøster Gro Harlem Brundtland).

    Når jeg dreiv med slektsforskning, så fant jeg forresten ut, at Hanne Harlem var såpass mye yngre, enn Gro, at man kan kanskje mistenke, at hu egentlig er dattera til Gro.

    (For jeg leste et portrett-intervju, med Hanne Harlem, i Stavanger Aftenblad.

    Og der bomma hu visst, når det gjaldt hvor mange brødre hu hadde (hu regna muligens en av Gro sine sønner og).

    Så noe rart er det muligens.

    Kanskje Hanne Harlem er dattera til Gro og hennes far (som hadde klengenavnet: 'Gubben').

    Selv om det er kanskje å ta det litt langt.

    Hm).

    Dette må jeg klage på.

    Nå må dere få Nav til å gjøre jobben sin (betale de nevnte strøm-regningene) og slutte med dette avtalebrudd-greiene, som ikke ligner grisen, må jeg si.

    Skjerpings!

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: lør. 5. juli 2025 kl. 10:36
    Subject: Ny klage/Fwd: Klage/Fwd: Elektronisk forsendelse fra Sivilombudet
    To: <postmottak@sivilombudet.no>
    Cc: Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, <kunde@ishavskraft.no>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <elklage@elklage.no>, <kristin.andersson@intrum.com>, <ir@intrum.com>, <dr.michelvanderbel@careceo.com>, <anne.nysaether@elvia.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <b2b-no@jysk.com>, <ungbo@vel.oslo.kommune.no>, <goa@gjeld.org>


    Hei,

    nå har jeg fått en ny purring (fra Lowell) angående den samme saken (se vedlegg).

    Hva er det som foregår, lurer jeg.

    Som tidligere nevnt, så foreligger det et vedtak om, at Nav Bærum betaler mine strøm-regninger, siden at jeg er arbeidsledig for tida.

    Men har Nav tydeligvis fått 'mensen', og nekta å betale.

    (Av en eller annen åndssvak grunn).

    Og når det da ikke hjelper å sende til Sivilombudet heller.

    Så lurer jeg på hva som foregår i dette landet.

    Det er også sånn, at det er en uting for meg, å få betalingsanmerkninger, osv.

    Under/etter pandemien, så har jeg kjøpt ny vaskemaskin og en 5G-mobil og noen solide sko (de er dårlige når det gjelder å strø i Bærum, om vinteren, så det kan være helsefarlig å ikke ha glatte/dårlige sko).

    Dette har jeg kjøpt på avbetaling (man må jo ha Ruter-billettene på mobil nå (må man vel si) etter at de fjernet billett-automatene, på t-banestasjonene (under pandemien) og Nav Bærum nekta meg ny rekvisisjon, da den vaskemaskinen som jeg kjøpte (på en slags 'standard' rekvisisjon) da jeg flytta inn her i 2018 (jeg bor i en kommunal leilighet) gikk i stykker).

    Og det er dyrt med masse med masse smålån.

    Og det er også mye å huske på, hver måned (jeg har også kjøpt noen duppeditter fra Komplett og Teknikkdeler, på avbetling, fra Walley).

    Så jeg skulle gjerne ha refinansiert mine smålån (til Bootz/Avarda, Walley, Morrow og Telia Finance).

    Men jeg får ikke lån (til å refinanisere) nå jeg har betalingsanmerkning.

    Så dette må jeg klage på.

    Jeg prøver også å få lån, for å få råd til advokat.

    For jeg var på et møte, hos en advokatvakt, hos Sandvika Frivilligsenter, for et par år siden.

    Men jeg får ikke fri rettshjelp (selv om jeg har kjempemange rettighetssaker) av hu Valgerd Svartstad Haugland (som har vært fylkesmann i Oslo og Akershus osv., i en del år nå).

    Så jeg har derfor prøvd å få lån, til å betale hun advokaten fra Sandvika Frivilligsenter (Lisa Eian) i forbindelse med en arvesak (som jeg har forklart henne om).

    Men jeg får jo ikke lån, når Nav (myndighetene) hele tida gir meg betalingsanmerkninger (ved å somle, når det gjelder å betale mine strøm-regninger).

    Så her raner staten Norge meg for arv, etter min danskfødte mormor.

    (For min mor døde ti år før min mormor.

    Så jeg skulle hatt en tredel av min mors arv).

    Og det å arve en mormor, høres kanskje kjedelig ut.

    Men hennes tante (som hu arvet) var gift med baron Holger Adeler.

    Og hun tanten (Magna 'Meme* Adeler f. Nyholm) var datter av en dansk forsvarssjef (Anders Gjedde Nyholm).

    Og hans far (L. C. 'Lykke-Per' Nyholm) eide herregården Bangsbo i Frederikshavn, samt en bygård i Amaliegade (i København) som kong Haakon sin søster seinere (Thya het hun vel) seinere flyttet inn i (og søsteren og svogeren til den amerikanske general/president Ulysses S. Grant (som vant den amerikanske borgerkrigen, som general for nordstatene) leide av min tipptippoldefar L. C. Nyholm, og grev Schel leide også og hofjægermesterinne Friis, het hun vel).

    Så det er snakk om fine/verdifulle ting, som jeg har blitt ranet for, at mine bortskjemte/umodne småsøsken (mens jeg bodde i England, på flykt fra kriminelle, samtidig med at politiet nekter å tjene meg).

    Så dette må jeg klage på.

    Nå dere få Nav til å skjerpe seg.

    Jeg vet at deres leder Hanne Harlem visst var venninne med min yngre halvbror Axel Thomassen (som har rante meg for arv etter min mormor) sin stemor Mette Holter.

    Så jeg mistenker urent trav her.

    Skjerpings!

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: man. 19. mai 2025 kl. 20:25
    Subject: Klage/Fwd: Elektronisk forsendelse fra Sivilombudet
    To: <postmottak@sivilombudet.no>
    Cc: Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, inger.lise.blyverket <inger.lise.blyverket@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, <kunde@ishavskraft.no>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <elklage@elklage.no>, <kristin.andersson@intrum.com>, <ir@intrum.com>, <dr.michelvanderbel@careceo.com>, <anne.nysaether@elvia.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <b2b-no@jysk.com>, <ungbo@vel.oslo.kommune.no>


    Hei,

    jeg har fått et brev fra Lowell.

    (Se vedlegg).

    Og dette gjelder en strømregning, fra i høst (var det vel).

    Og det er sånn, at det foreligger et vedtak om, at Nav Bærum, skal betale mine strøm-regninger (siden at jeg går på sosialen).

    Og sånn har det vært, siden 2018.

    (Da jeg flytta inn, i kommunal leilighet, på Bekkestua).

    Og jeg har hver måned, levert strøm-fakturaen, til Nav.

    (I deres lokaler, i Sandvika).

    Men cirka en gang i året (hvis ikke oftere) så har Nav lagd helvete.

    De har da nekta å betale regningen (av en eller annen grunn).

    Og så har dette medført, en veldig papir-mølle, med korrespondanse, mellom inkasso-firmaene (Lowell og Intrum) og meg.

    Og etter at jeg har sendt kanskje ti mailer, om dette.

    (Jeg ber de da om å kontakte Nav.

    Siden at det foreligger et vedtak om, at Nav skal betale disse strøm-regningen.

    Og jeg pleier også, å be om, å få ta dette med administrerende direktør (en som heter Skålevik).

    Men de nekter alltid, å sende det oppover).

    Så pleier inkasso-firmaet å si, at den regningen er betalt.

    (Uten å forklare angående, om problemet har vært hos Nav eller hos strøm-firmaet.

    Jeg har lurt på, om det kan ha vært sånn, at Nav har betalt, men at strøm-firmaet ikke har registrert dette.

    Men antagelig er det nok Nav som har 'syndet'.

    Hvis jeg skulle tippe).

    Og det pleier alltid å løsne seg, etter at jeg har brukt ti dagsverk på dette (hadde jeg nær sagt).

    Men nå i høst (var det vel) så løsna det ikke (uansett hvor mye tid jeg brukte på dette).

    Og jeg fikk betalingsanmerkning.

    Og Lowell prøver fortsatt å kreve inn pengene, fra meg.

    Så her har Nav tulla fælt.

    Dette må nok kalles et slags sjette ran (i tillegg til de fem ranene, som jeg har informert om tidligere).

    Min tidligere husvertinne Mette Holter, sa på 90-tallet, at hu var venninne med Sivilombudet sin storesøster Gro Harlem Brundtland.

    (Noe sånt).

    Så jeg har lurt på, om Sivilombudet (Hanne Harlem) og kjente Mette Holter (RIP).

    Mette Holter var også stemor, for min yngre halvbror Axel Thomassen.

    Og det var sånn, at Axel og jeg, hadde samme mor (Karen Ribsskog) som døde i 1999.

    Og vår mormor (Ingeborg Ribsskog) hun døde i 2009.

    Og hu var fra dansk adel/overklasse.

    Så hu hadde masse verdifulle antikviteter/slektsklenodier (som hadde stått på Højris slott, på Jylland, osv., for hennes oldemor var Maren Gjedde, som var gift med L. C. 'Lykke-Per' Nyholm (min tipptippoldefar) og disse eide etterhvert herregården Bangsbo i Frederikshavn, og en bygård i Amaliegade 22, i København, hvor ei prinsesse Thyra seinere har bodd (kong Haakon sin søster) og en greve Scheel, og ei hofjegermesterinde Friis og den amerikanske ambassadøren Cramer (svoger av Ulysses S. Grant) leide av de/'oss').

    Men så var det sånn, at jeg bodde i England, da min mormor døde.

    Og mine slektninger sendte ikke noe arvegods.

    Men i 2017, så sendte Axel meg noen tekstmeldinger.

    Jeg skulle endelig få min del av disse antikvitetene osv., etter min mormor.

    (Jeg er eldst, og min mor var eldst.

    Så jeg burde egentlig ha vært bobestyrer.

    Men Larvik tingrett forbigikk meg.

    Må jeg si).

    Men Axel hadde en slags kamphund der (han bodde i tredje/fjerde-etasje, i en gate ved navn Snippen vel, på Rodeløkka) og Mette Holter fikk Axel til å trene kampsport, på 90-tallet.

    Så jeg måtte tilslutt bare gå.

    Siden at Axel fikk et slags anfall (han gikk på Bogstadveien Spesialskole i alle år, så det er noe gæernt med han, selv om Oslo kommune vil forklare meg, akkurat hva som feiler Axel, når jeg kontakter de).

    Så jeg fikk ikke med meg noe arvegods, likevel.

    Og jeg har derfor kontaktet en advokat (på Sandvika Frivilligsenter) for et par år siden.

    Men hu (Lisa Eien) vil ha penger, for å ordne med dette.

    Og da er det dumt, at Nav liksom har gitt meg en betalingsanmerkning.

    For når jeg prøver å søke lån, for å betale advokaten.

    (For jeg får bare til livsopphold, hver måned.

    Så det er ikke så mye ekstra, som jeg har råd til å kjøpe).

    Så nekter låne-firmaene meg lån, hele tida.

    Jeg får ikke engang lov å refinansiere noen smålån (bortimot 15.000 tilsammen) som jeg har.

    Så her raner Nav meg for verdifulle antikviteter, etter min (mer eller mindre) adelige mormor (som var niese av baronesse Magna 'Meme' Adeler f. Nyholm, som var gift med baron Holger Adeler, som var Cort Adeler sin siste etterkommer i Norden).

    Og jeg har også (i 1991) vært innom Unge Høyre såvidt (dratt med av min tidligere klassekamerat Magne Winnem, som jeg var forlover for i 1993).

    Så jeg er kanskje politisk eksponert (har jeg lurt på).

    Men reglene for dette (når man søker lån osv.) er veldig firkanta.

    Så dette må man vel kanskje klandre EU for (at de har veldig firkanta/byråkratiske regler, om dette).

    Så dette må jeg klage på.

    Skerpings!

    Erik Ribsskog


    ---------- Forwarded message ---------
    Fra: Erik Ribsskog <eribsskog@gmail.com>
    Date: tor. 1. mai 2025 kl. 10:27
    Subject: Re: Elektronisk forsendelse fra Sivilombudet
    To: postmottak@sivilombudet.no <postmottak@sivilombudet.no>
    Cc: Kundeservice <kundeservice@fortum.com>, Kundesenter <Kundesenter@intrum.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, inger.lise.blyverket <inger.lise.blyverket@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, Bærum Kommune <post@baerum.kommune.no>, NAV Bærum <nav.baerum@nav.no>, LbF Leieboerforeningen <lbf@lbf.no>, Postkasse <postkasse@datatilsynet.no>, Studenterrådets Retshjælp <ret@sr.au.dk>, <kunde@ishavskraft.no>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <elklage@elklage.no>, <kristin.andersson@intrum.com>, <ir@intrum.com>, <dr.michelvanderbel@careceo.com>, <anne.nysaether@elvia.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <b2b-no@jysk.com>, <ungbo@vel.oslo.kommune.no>


    Hei,

    jeg har bedt om å få svar fra hu sjølveste 'sjefs-hurpa' deres.

    (Hanne Harlem).

    At jeg ikke får svar fra henne, må jeg kalle noe slags oppvigleri.

    Dette må jeg klage på.

    Hvis dere ikke skjerper dere, så skal jeg komme og male en svær 'Z' på døra deres.

    (For å fleipe litt).

    Skjerpings!

    Erik Ribsskog

    PS.

    Siden sist så har forresten Nav Bærum ranet meg, for en tusenlapp.

    Sosial-støtten gikk opp med 250 kroner i måneden, i januar.

    Og dette har jeg ikke fått, hverken for januar, februar, mars eller april.

    Og sist jeg sjekka, så ble dette regnestykket (4 x 250 kroner) tusen kroner.

    Så dette må jeg klage på.

    Jeg har vært arbeidsledig i snart 20 år nå (med unntak av at jeg arvet snaue 200.000 i 2017 (etter noen grandonkler) etter å ha sendt mailer til Drammen tingrett i bortimot ti år) og en tusenlapp er mye penger for meg.

    Siden at jeg har vært sosialklient i mange år, så husker jeg, at før pandemien, så pleide Nav Bærum, å ettersende disse hundrelappene (når sosialstøtten økte, på nyåret).

    Men det har de ikke gjort i år.

    Så dette må jeg kalle et ran.

    (I tillegg til de fire ranene som jeg har varslet om tidligere).

    Muligens på grunn av noe slags omvendt rasisme (eller hva det kan være).

    Skjerpings!

    PS 2.

    Jeg har jobbet som skogsarbeider (med min mors yngre bror Martin, som slavedriver) i 2005, og er en slags 'biff' etter dette.

    (Jeg jobbet også mye med hardt kroppsarbeid, som Rimi-leder (fra 1994 til 2004).

    For vi skulle 'lead by example' som det heter.

    Og jeg var spesialist på de hardeste arbeidsoppgavene (som var oste/kjøle-disk (i 'matpakke-landet' Norge) og frukt (håndtering av tunge potetsekker og denslags)).

    Så jeg trenger mye mat.

    (Jeg har også blitt tynet, av utenlandske myndigheter (i 2013 og 2015, blant annet).

    Så jeg måtte leve som flaskesamler i København, våren/sommeren 2015.

    Og jeg måtte (i perioder) gå leite etter mynter på gata, i Liverpool, rundt 2013.

    Så jeg har hatt det ganske hardt, og ønsker ikke å tynes lenger.

    Jeg er også over 50 nå, så jeg er ikke en tenåring lenger.

    Skjerpings).

    Og jeg trente også en del, da jeg bodde i England (hvor jeg bodde fra 2004 til 2014) blant annet.

    For å liksom fungere, etter at jeg fikk litt sjokk, når politiet nekta å tjene meg, etter at jeg ble utsatt for mordførsøk, på min mors yngre bror Martin sin gård i Kvelde, sommeren 2005.

    (Og det var også noe lignende, i Oslo, i 2003.

    Som gjorde at jeg måtte rømme til England).

    Og jeg blir fra før tynet, når det gjelder sosial-støtte.

    Siden at jeg liksom har blitt 'stuet bort', i 'suburbia', i Bærum.

    Hvor man har mindre sosialstøtte (en tusenlapp eller to i måneden) enn i Oslo.

    Og jeg har også bodd, i samme leilighet, siden 2018 (som jeg leier av Bærum kommune).

    Men jeg har kun fått _en_ rekvisisjon, til møbler (og brune/hvite-varer).

    Hvis jeg har forstått det riktig, så følger disse rekvisisjonene leie-avtalene (som gjelder for tre år).

    Men jeg har ikke fått rekvisisjon på nye møbler osv., når jeg gikk nye leie-avtaler (under pandemien) i 2021 og 2024.

    Så dette er også noe slags omvendt rasisme (mistenker jeg).

    (Jeg husker at min danskfødte mormor Ingeborg, fortalte, at negerne som kom til Stavern, på 80-tallet, fikk så dyre/fine møbler.

    (Dette var vel langs veien ut mot Brunla gård (hvor det nylig brant) ettersom jeg forstod det.

    Noe sånt).

    Men jeg fikk kun noe 'rask' (må jeg kalle det) fra Jysk.

    Og hu som stod bak disken der, mistenker jeg, at kan ha vært ei politidame.

    For hu minna veldig om ei, som var på døra mi i fjor eller forfjor, med et helt surealistisk besøkforbud (mot ei Larvik-frøken, som har flytta til Oslo, og som jeg kjente mora til (som var ei fleskekjærring, som mobba meg) men som jeg aldri har møtt).

    Og jeg er som sagt over 50 år.

    Og jeg har aldri fått noe besøksforbud (eller noe lignende) mot meg før.

    Så det var som at noen tuller med meg (må jeg si).

    Så dette må jeg klage på.

    Jeg blir tyna av '21 hopp-gate-politiet' (som min yngre halvbror Axel sa på 90-tallet) kan det virke som.

    Og hu Jysk-dama (ei tater-dame muligens, som hviska/tiska med en som ligna på Breivik, på Jysk Sandvika).

    Hu nekta å selge meg salong-bord (selv om det stod på rekvisisjonen fra Nav).

    (Hu bare tiska med han 'Breivik', og var ekkel, må jeg si).

    Så jeg har fortsatt ikke fått leiligheten helt presentabel egentlig.

    For jeg mangler fortsatt salongbord.

    Og sofaen røk under pandemien (det var noe 'dritt' fra Jysk, og jeg er en slags 'biff' som sagt, så jeg veier vel over 100 kilo tror jeg (vekta går litt opp og ned) selv om jeg ikke har noe badevekt, må jeg innrømme).

    Så jeg trenger ny sofa og.

    Og det er bare forbokstaven.

    Skjerpings!

    PS 2.

    Jeg har også leid av Oslo kommune, en gang i tida.

    Jeg bodde på Ungbo Skansen Terrasse (på Ellingsrudåsen) fra 1991 til 1996.

    Og da jeg flytta derfra, så fant jeg en sofa, i boden.

    Og den tok jeg med meg (for alle de andre hadde flytta ut før meg, så jeg hadde en slags 'hevd' på disse tingene/'restene etter tidligere beboere' i boden, vil jeg si).

    Så jeg lurer på, om det var sånn, at den sofaen hadde stått i stua før.

    Og der stod det (på 90-tallet) en svart skinn-sofa-gruppe (som vel må ha kosta, en liten formue).

    Så jeg vet, at sånne møbler (i kommunale boliger) nok blir bytta ut, en gang i blant.

    Og da jeg var ferdig med militæret (sommeren 1993) så ville min lillesøster Pia (som da var hjemløs) flytte inn hos meg.

    Og da hu etterhvert (etter å ha bodd på rommet mitt, i en del måneder) fikk ting på stell, med A-etat (som de het da).

    Så fikk hu et av nabo-rommene der (rommet til ei Wenche, som var sammen med han MC-lederen som jobba for CIA vel (eller en lignende MC-leder) etter at hu slo opp med en Kjell Arild eller noe, som var en råner fra Strømmen, eller noe).

    Og da (i forbindelse med at hu flytta inn) så klagde Pia, til ei Ungbo-dame (muligens Ann Bakke) på at dusjforhenget var ekkelt (husker jeg).

    (Selv om det vel ganske nylig, var nytt, for det hadde hu forrige Ungbo-dama ordna).

    Og da fikk vi vel et nytt dusjforheng (av Ungbo) mener jeg å huske.

    Og det var også sånn, at noen eks-blitzere (eller noe) som bodde der (Per og Inger Lise/Anne Lise).

    De slo seg sammen med Wenche.

    Og så fikk de gratis husleie, fordi at de pussa opp gangen (Per ba meg om å regne ut, hvor mye maling de trengte, for han var ikke så god i matte).

    Og jeg har vaska noe inngrødd møkk (muligens 50 år gammel møkk) i fugene på badet, under pandemien.

    Og det er også 50 år gammel møkk, på panel-ovnene, osv.

    (Noe jeg har klagd på tidligere).

    Og varmvannsberederen er det et lik i (kan det virke som, siden at det 'alltid' blir tomt for varm-vann, noe jeg ikke hadde problem med i England, selv ikke når jeg leide av Liverpool Housing Trust, i Walton).

    Og strøm-kursene er sånn, at hvis jeg har på vaskemaskinen og komfyren samtidig, så går sikringen.

    Og jeg må da ut og skru på sikringen.

    Og det er en automat-sikring.

    Men det er likevel dumt.

    Spesielt siden at dette er en slags 'tante-leilighet' (med hage og neger-nabo) og det er vinduer (istedet for kikkehull) i døra, ved sikrings-skapet.

    Og jeg er vant med kikkehull i døra (jeg er vant med å bo i ungkars-leiligheter).

    Så det er litt ekkelt (synes jeg) at det er så mye innsyn her, osv.

    Jeg er vant til å bo i ungkarsleiligheter i tredje etasje (både i Oslo/Waldemar Thranes gate (hvor jeg leide av Rimi i 8-9 år) og i Liverpool/Leather Lane).

    Så dette er en sånn leilighet, som min mor likte (sokkel-leiligheter).

    Men min mor trengte kanskje en leilighet på 50-60 kvadrat, siden at hu hadde tre avkom, som kom på besøk, nå og da.

    Men det har ikke jeg.

    Så jeg kunne godt klart meg, med en mindre leilighet (på kanskje 20-30 kvadrat).

    Som var mer sentral.

    Men jeg fikk bare velge mellom suburbia og suburbia (Bekkestua).

    (For å si det sånn).

    Så dette må jeg klage på.

    Skjerpings!

    PS 3.

    Og hvorfor er det sånn, at byråkratene alltid 'stuer meg ut' i periferien.

    Ungbo (Oslo kommune) nektet meg å bo på Vålerenga (selv om det var i gåavstand fra NHI Helsfyr, hvor jeg skulle studere (det andre året) på den tida).

    Og Bærum kommune lot meg ikke få valg-muligheten, å bo mer sentralt (i Sandvika, for eksempel).

    'Alle' stuer meg ut i periferien ('suburbia') hvor det egentlig ikke er for ungkarer, og hvor det aldri skjer noe.

    Dette må jeg klage på.

    Da min lillesøster Pia bodde hos meg, på Ungbo.

    Så begynte hu å kjede seg.

    Hu kjente noen kule negere (somaliere) nede i Oslo sentrum (som vår tremenning Øystein 'Koreagutten' Andersen mer eller mindre jagde henne ned til, ved at han foran henne, brente alle sine broer til meg, muligens på oppfordring fra min far (som tidligere ville at jeg skulle behandle Øystein som en slags fetter) eller hvordan det kan ha hengt sammen).

    Så de som kom rett fra jungelen i Somalia, de fikk bo i Oslo sentrum.

    Men de som var født og oppvokst i Norge (som meg) de ble stuet bort, så langt bort fra sentrum, som man kunne komme, i Oslo (selv om jeg heller ville bo mer sentralt) må man vel si.

    Og min lillesøster Pia viste sin 'takknemlighet' ved å brenne alle sine brorer til meg (ved å svike fælt) da jeg ringte henne, på den tida jeg måtte leve som flaskesamler i København (i mars 2015).

    Og min far gjorde noe lignende (da jeg ringte han, fra den norske kirken i København, den samme mars-dagen, i 2015).

    Skjerpings!


    ons. 30. apr. 2025 kl. 14:30 skrev postmottak@sivilombudet.no <postmottak@sivilombudet.no>:



    Vår ref 2024/4420

    Vennlig hilsen
    Ivar Myklebust Trengereid | konsulent
    e-post: postmottak@sivilombudet.no


    5 vedlegg
    IMG_20251118_0001 paint.jpg
    566K
    IMG_20251118_0004 paint.jpg
    600K
    IMG_20251118_0005.jpg
    681K
    IMG_20251118_0006.jpg
    543K
    IMG_20251118_0007 paint.jpg
    750K

    PS.

    Her er vedleggene:

  • Mer fra Nordea sin chat

    PS.

    Her er mer om dette:

    PS 2.

    Enda mer om dette:

    PS 3.

    Og enda mer om dette:

  • Jeg sendte en e-post til Lowell

    Erik Ribsskog <eribsskog@gmail.com>
    Saksnummer: 1872194 - Ubetalt krav til Lowell Finans AS
    Erik Ribsskog <eribsskog@gmail.com> 3. oktober 2025 kl. 12:33
    Til: Lowell Norge AS <svc.no.nova@lowell.com>
    Kopi: Anne-Britt Lund <anne-britt.lund@aktivkapital.no>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, post@rettferdnorge.no, customer_services@lowellgroup.co.uk, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>
    Hei,

    dette er egentlig avtale-brudd.

    Aktiv Kapital (Anne Britt Lund) representerte Nordea, angående en overtrekk-sak (jeg ble tulla med av min arbeidsgiver Arvato, og trengte litt penger, til mat osv., for å orke å drive med en arbeidssak, på fritiden, for det ble som at jeg jobbet dobbelt, hver dag, i en periode).

    Og da (dette har jeg forklart om mange ganger tidligere).

    Så var avtalen, at jeg skulle sende et beløp, fra min engelske konto, til min Nordea-konto, hver måned (når jeg fikk min lønn, fra Packaging Europe/Positive Publications, i Norwich (jeg jobbet fra min leilighet i Leather Lane, i Liverpool sentrum)).

    Men disse pengene kom i retur.

    (Jeg skulle så sende halvparten cirka til City Self-Storage.

    Og cirka halvparten til Aktiv Kapital).

    Nordea-kontoen var tullet med (av Nordea).

    Og Barclays forlangte da, mesteparten av pengene, i retur.

    Så jeg stiller meg litt tvilende til, at dere har et gyldig krav, når Aktiv Kaptial (som dere har kjøpt denne gjelden av) er involvert i avtale-brudd.

    Og det er også sånn, at jeg fortsatt er sosial-klient, og kun får til livsopphold hver måned (fra Nav).

    Så det er ikke sånn, at jeg har noe mulighet til å betale denne gjelden, for tida.

    Jeg har nettopp kontaktet deres engelske søster-firma.

    Og de har kommet med et ugyldig krav mot meg, fra EE.

    Og da har jeg forklart at EE solgte meg en ruter, som hadde en feil på ledningen, eller noe, og derfor ikke klarte å lade ruteren raskt nok (noe betjeningen i EE-butikken, ikke skjønte bæret av (jeg dukket opp to ganger der, hos EE i Parker Street, i 2017, etter at jeg flytta til Liverpool, etter at jeg fikk realisert en arv (en hus/eiendom-brøk) etter noen grandonkler (i Holmsbu) som Nordea Tveita nekta å gå meg et lån på, rundt 2007).

    Så jeg har foreslått at EE da ihverfall betaler meg tilbake halvparten av det jeg betalte dem (for denne ubrukelige ruteren).

    Og da kan de kanskje sende pengene til dere (i Lowell Norge).

    Og da tror jeg kanskje at det kan være riktig, å sette en strek der.

    Siden at de dere kjøpte gjelden av (Aktiv Kapital) var involvert i avtale-brudd.

    Jeg fikk meg også et kredittkort fra Capital One, da jeg bodde i Liverpool sentrum (hvor jeg bodde fra 2006 til 2011).

    Og jeg dreiv mye med arbeidssaker og rettighetssaker, så jeg fikk ikke dedikert meg, så mye, til Packaging Europe-jobbing, som jeg vanligvis ville ha gjort.

    Derfor ville jeg egentlig ha lån fra Nordea, på den eiendomsbrøk-eier-andelen min i Holmsbu.

    Men ei hurpe (må man vel si) hos Nordea Tveita, bare lo av meg nærmest (selv om denne eiendoms-brøken min, var verdt nærmere 300.000, i 2017).

    Så her var det muligens noe tull hos Nordea og (som Aktiv Kapital kjøpte gjelden fra, aller først).

    Da jeg bodde i Keith Court (hvor jeg bodde fra 2012 til 2014) i Walton.

    Så fikk jeg meg et kreditt-kort (jeg var da arbeidsledig, men the Jobcenter tulla med støtten) fra Vanquis.

    Og den gjelden betalte jeg i 2017.

    (For de fant ut at jeg hadde flytta tilbake til England).

    Men jeg måtte så rømme tilbake til Norge igjen (på grunn av forfølgelse fra britiske myndigheter).

    Men jeg betalte ihvertfall Vanquis-gjelden (høsten 2017) når jeg hadde litt gryn (som de sier).

    Men EE-gjelden og Nordea-gjelden (Aktiv Kapital-gjelden) de synes jeg ikke, at det er riktig, at jeg skal betale (det at jeg ikke fikk sendt penger til City Self-Storage ødela, sånn at jeg den dag i dag blir nektet tilgang, til min lagerbod hos de, som jeg fikk meg, høsten 2004, da jeg flyttet til England, for å studere ved University of Sunderland).

    Så dette må jeg klage på.

    Skjerpings!

    Erik Ribsskog


    fre. 3. okt. 2025 kl. 11:47 skrev Lowell Norge AS <svc.no.nova@lowell.com>:
    Hei,

    Vi viser til utestående sak 1872194 fra Lowell Finans AS. Utestående saldo er i dag kr 40 798,49.

    For å gjøre det så enkelt som mulig å betale kravet ønsker vi å informere om at du kan gjøre dette med Vipps eller kort på Min Lowell.

    Logg inn med BankID på https://min.lowell.no

    Her vil du også kunne se en oversikt over utestående gjeld eller chatte med våre erfarne rådgivere for en løsning.

    Alternativt kan du benytte betalingsinformasjonen under ved bankbetaling innen 10 dager.

    Kreditor: Lowell Finans AS
    Utestående saldo: 40 798,49
    KID: 0101872194052410067
    Kontonummer: 63180520351


    Med vennlig hilsen

    Lowell Norge AS

    ------------------------------------
    KUN TIL INTERN BRUK: X0Z010187219405241006130
    KUN TIL INTERN BRUK: X0Z1300000000391
    NB: Oppgi alltid saksnummer 1872194 ved henvendelse til oss.
  • Jeg sendte en e-post til Wescot


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

    Gmail


    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:

    wescot november

  • Mer om budsjett


    Gmail – Wescot Response 49597867 RE: Correspondence Reply

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>



    Wescot Response 49597867 RE: Correspondence Reply



    Erik Ribsskog

    <eribsskog@gmail.com>


    Fri, Nov 2, 2012 at 2:26 PM

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

    Cc:
    client.services@cccs.co.uk

    Hi,

    ok, I’ll be waiting to hear from you that my debt with you and Captial One has been deleted then.

    Thanks for the help with this!

    Best regards,


    Erik Ribsskog

    On Fri, Nov 2, 2012 at 8:27 AM, Contact Us <contactus@wescot.co.uk> wrote:

    02 November 2012

    Dear Mr

    Ribsskog

    Further to your recent email, I am sorry to note there appears to be some confusion over the account. To resolve this and offer a detailed explanation I have
    referred the points you have raised to our client and we are currently awaiting an update from them.

    I trust the above answers your query and I apologise you had to contact us again to confirm the details.

    Yours sincerely

    Funmi Olugbenga-Dada

    Account Controller

    Description: untitled

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

    Sent: Tuesday, October 30, 2012 3:29 PM
    To: Contact Us
    Cc: Q&A
    Subject: Re: Wescot ResponseRE: Correspondence Reply

    Hi,

    I have explained that in the e-mail where you have highlighted a sentence in red.

    That your partner Capital One told me last year my signature wasn’t mine.

    And that you this year have lied about me not replying to your correspondence.

    And that you have made me waste my time since your partner Capital One and yourselves haven’t been able to accept my token-payment-offer like other companies like Swalec, DML and United Utilities have accepted, almost a year ago.

    This is sabotage, I think.

    I suspect you and Capital One have a secret agenda here.

    And you really should contact your English-teacher about this.

    Because I get anoyed when I have to explain the same again and again.

    And it’s a saying you have here in the UK, which says it’s no excuse for ignorance.

    So eighter you’re ignorant or slow.

    So I think you should perhaps find another job.

    Like putting spread on sandwiches, or something like that.

    Just an advice.

    Best regards,

    Erik Ribsskog

    On Tue, Oct 30, 2012 at 3:18 PM, Contact Us <contactus@wescot.co.uk> wrote:

    Date 30th October 2012

    Dear Mr Ribsskog

    Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with

    an explanation or resolution as quickly as possible.

    Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If you believe this balance is not due

    we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

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

    Yours sincerely

    Ms H Thundercliffe

    Accounts Controller

    Description: image002

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

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

    Sent: 30 October 2012 14:54
    To: Contact Us
    Subject: Re: Correspondence Reply

    Hi,

    this about that my debt has been deleted is something I’m still looking forward to hearing from you about.

    Perhaps you should ask your old English-teacher for advice as to what my writings meant.

    Best regards,


    Erik Ribsskog

    On Tue, Oct 30, 2012 at 1:55 PM, Contact Us <contactus@wescot.co.uk> wrote:

    Date 30th October 2012

    Dear Mr Ribsskog

    Further to your recent email regarding the below account. 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 your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further on this, as we haveno details

    in regards to the balance being deleted.

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

    Yours sincereley

    Ms H Thundercliffe

    Accounts Controller

    Description: image002

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

    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]

    Sent: 19 October 2012 10:40


    To: Correspondence Queries
    Cc: offers

    Subject: Re: Correspondence Reply

    Hi,

    ok, I don’t think I have gotten their sort-code and account-number.

    Do you know this?

    I also sent you an update, on Saturday, after the e-mail you replied to now.

    I’ll paste that in this e-mail now.


    Best regards,


    Erik Ribsskog

    PS.

    Here’s the update e-mail from Saturday:

    Hi,

    I got a new income and expenditure-form in the post from you today.

    From 11/10, with the reference D3/49597867.

    I contacted your partned Capital One last automn, regarding my new budget.


    I offered you a token-payment-agreement on £1 a month, untill I got a full-time-job.

    Capital One told me my signature wasn’t mine, so this process have stalled, since last year.


    Now you get back to me.


    I’m still unemployed but I’m trying to set a business up, on my spare-time.


    And the Jobcentre is ‘messing’ with my jobseekers allowance.


    So at the moment, I have to say I don’t have any income.


    I could get back to you when I get the jobseekers allowance back.


    And then I would offer you the same as last time, £1 a month in token-payments.

    I’ve since last year gotten a flat witch was unfurnitured.

    So any money I have left after token-payments each month I now buy furniture and other things for the flat with.

    And I was going to set up a new budget, when I got a full-time job.


    And I’m going to do that.


    But I don’t think it’s right that I have to set up a new budget now, because your partner said my signature wasn’t mine, and didn’t accept my new budget, last year.


    This has taken so much of my time now, so you should really just delete the debt, I think.


    I’m on Ladders, so I have a high income-potential.


    All the hours I’ve spent on you and Captial One should add up to arround the debt I owe you, I think.


    So I’m looking forward to hearing from you that my debt with you has been deleted!

    Hope this is alright!

    Best regards,


    Erik Ribsskog

    On Fri, Oct 19, 2012 at 10:24 AM, Correspondence Queries <client@cccs.co.uk> wrote:

    Good morning Erik,

    Thank you for contacting us about Wescot.

    To make token payments to Wescot you do not need to fill in a giro slip. All you need is their sort code and account number and also

    the Wescot reference number starting with DM or D3. You then need to go into your bank and ask them to send £1 payment to Wescot by bank transfer. They may reject the offer of payment but they won’t reject the £1 payment you send and this will reduce the debt
    in time.

    If you need any advice then please do not hesitate to call us.

    Kind regards

    Faye

    Correspondence Advisor

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

    Sent: 12 October 2012 16:13
    To: Correspondence Queries
    Cc: offers
    Subject: Re: Update/Fwd: *****7867/Fwd: CCCS

    Hi,

    thank you for your e-mail!

    I’m not paying token-payments at the moment.


    Wescot have sent me a budget-form again now.


    But as your collegue there have previously told me I don’t have to fill out this form to get token-payments.

    It should be enought that I’ve explained about my situation.

    I’ve offered Wescot a token-payment-arrangement like a ‘million’ times.


    But they haven’t sent me giros or anything.


    And this is taking a lot of my time now.

    Because I’ve been offering Wescot, (and Capital One), a token-payment-arrangement since last year now.


    And all I get are standard letters which tells lies like that I haven’t replied to their letters.


    When I’ve sent about a million e-mails to them, which I haven’t gotten replies to.


    So I now copy this e-mail to Wescot.


    And I hope they’ll send me some giros for the token-payment arrangement of £1 a month now.


    Or tell me what information they need from me to set up a direct-debit-agreement.

    So I hope this will be sorted now.


    Thanks again for the e-mail!

    Best regards,


    Erik Ribsskog

    On Thu, Oct 11, 2012 at 8:07 AM, Correspondence Queries <client@cccs.co.uk> wrote:

    Hello Eric

    Thank you for copying us in to the email you have sent to Wescot.

    Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners are an

    internal collections department who work on behalf of Wescot to collect the outstanding balance.

    As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you can at this

    time. If you receive any further contact regarding this matter, please advise of this.

    I hope this is helpful and reassuring.

    If you have any queries or concerns, please do not hesitate to contact us on  0845 272 5400. Lines are open 8am to

    6pm, Monday to Friday. Email us at
    client.services@cccs.co.uk
    or go online to www.cccs.co.uk
    and follow the links to send us a web mail.                                                    

    Kind regards

    Hannah

    Correspondence Advisor

    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]

    Sent: 08 October 2012 01:14
    To: offers@wescot.co.uk
    Cc: Q&A
    Subject: Update/Fwd: *****7867/Fwd: CCCS

    Hi,

    on Saturday I got a letter from Nelson Guest & Partners Solicitiors, witch I attach a scanned copy of.


    I’m don’t have the chance to pay 50% of the dept, av the moment, unfortunately.


    I’m repeating my offer of a token-payment-arrangement again.

    (Which I’ve done many times earlier).

    I hope you can ‘stop messing around’ now, (like I think I have to call it), and just accept my token-payment-offer, like the other companies have done.

    I don’t understand why you do so much ‘mumbo-jumbo’ surrounding this.


    This should be a straight forward tokey-payment agreement.

    I hope the CCCS can tell you to stop with your funny letters and just accept my token-payment-agreement, which I have offered you, a million times, (to exaggerate, but anyway).


    Captial One even have a football-cup named after you, but you don’t seem to be a serious company.


    It’s like being on the candid camera to try get a token-payment-agreement agreed with you.


    Erik

    ———- Forwarded message ———-


    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Mon, Oct 1, 2012 at 3:32 PM
    Subject: Re: *****7867/Fwd: CCCS
    To: offers <offers@wescot.co.uk>
    Cc: Q&A <contactus@cccs.co.uk>

    Hi,

    it should be D3/49597867, (like I wrote in the subject-line in the e-mail I sent you on 20/9).

    I repeat my token-payment offer on £1 a month, like I offer all my other creditors untill I find new employment.

    Hope this is alright!

    Best regards,


    Erik Ribsskog

    On Mon, Oct 1, 2012 at 8:30 AM, offers <offers@wescot.co.uk> wrote:

    Good morning,

    Please provide the wescot reference beginning with D3 or DM

    Kind regards

    Rebecca Stearman

    Offers Administrator

    email:  

    offers@wescot.co.uk

    Description: Description: Description: cid:image001.jpg@01CA4CD1.636A7F00

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

    Sent: 28 September 2012 14:34
    To: Correspondence Queries
    Cc: offers
    Subject: Re: *****7867/Fwd: CCCS

    Hi,

    thank you for your e-mail!

    Yes, I send a copy of this e-mail to Wescot as a reminder of my token-payment-offer, of one pound a month untill I find new employement.


    I thought it was like you write here, with the budget-form etc., from when I went to business-school, in the eighties.


    Even if that was in Norway, I think business-law is mostly the same in the western world.


    Mostly based on old British business-law, if I’m not mistaking.

    Thank you very much for the help with this!

    The information I sent to Capital One was a new token payment-offer after I had to move to Sunderland for some months last year.


    If I remember it right.


    I now found a letter on my blog, from Capital One, from 2009, when they also complained about my signature, (so this has happened in both 2009 and 2011), which I attach.

    Thanks again for the advice!

    Best regards,


    Erik Ribsskog

    On Fri, Sep 28, 2012 at 12:37 PM, Correspondence Queries <client@cccs.co.uk> wrote:

    Hi Erick

    Thank you for your email about your Wescot and Capital One accounts.

    If you have concerns over the wording of the letter from Wescot, I would advise you to raise a complaint directly with them.

    The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial

    ombudsman service.

    You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms

    cover the same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.

    I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment.

    It will show that you are willing to pay the account off.

    If you don’t make a payment, the creditor can take further action.

    I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses

    about them not receiving your letters.

    You can ask for a Data Access Request from them which will provide you with all the notes made on your account. There may be a charge for this request.

    Can you advise me what information you sent to Capital One for them to reject your signature? If your signature hasn’t changed, I would advise you to

    contact Capital One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

    Again, you can ask for a Data Access Request to see what has been noted on your account and there may be a charge for this request.

    I hope this has been helpful.

    If you have any further queries, please contact us on 0845 272 5400, lines are open 8am to 6pm, Monday to Friday, you can email us at

    client.service@cccs.co.uk.

    Kind regards

    Paul Marshall

    Correspondence Co-ordinator


    From: Erik

    [mailto:eribsskog@gmail.com]

    Sent: 26 September 2012 00:05
    To: Correspondence Queries
    Subject: Re: *****7867/Fwd: CCCS

    Hi,

    I’ve gone to business-school and letters shouldn’t contain lies even if they are standard letters.


    Here it’s obvious that the standard letter is used wrongly.

    I’m not making a token-payment here, you haven’t read up.


    Please escalate to your line manager.


    Regards,

    Erik Ribsskog

    PS.


    And I don’t think it’s a good idea to call these companies.


    It’s better to keep the correspondence in writing, so to keep documentation about what has been agreed.


    PS 2.


    You haven’t commented on that Capital One told me my signature wasn’t mine.


    I want to please escalate this to your line-manager.

    On Tue, Sep 25, 2012 at 10:33 AM, Correspondence Queries <client@cccs.co.uk> wrote:

    Hi Erik

    Thank you for contacting us about your account with Wescot.

    Creditors will often send standard collection letters out to you. Standard letters will include certain phrases that may not fit entirely, such as “we have not received a reply”.

    Unfortunately even though you are making a token payment we cannot stop creditors from contacting you. You should continue to keep your creditors up to date with your financial situation and offer them the most fair and reasonable offer you can.

    It may be best to call your creditors and speak to someone directly. That way all issues can be discussed there and then.

    If you have any further questions or need some more advise, you can call us on 0845 272 5400. Lines are open from 8am to 6pm, Monday to Friday. You can also email us at
    client.service@cccs.co.uk.

    Kind regards

    Gurj
    Correspondence Advisor

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.
    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·         Client reference number
    ·         Postal address
    ·         Postcode
    ·         Telephone number
    ·         Email address

    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.

    Thank you

    The Correspondence Team

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.

    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·         

    Client reference number

    ·         

    Postal address

    ·         

    Postcode

    ·         

    Telephone number

    ·         

    Email address

    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

    for these details and this may delay your reply.

    Thank you

    The Correspondence Team

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    P 

    Please consider the environment before printing this e-mail.

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.

    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·         

    Client reference number

    ·         

    Postal address

    ·         

    Postcode

    ·         

    Telephone number

    ·         

    Email address

    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

    for these details and this may delay your reply.

    Thank you

    The Correspondence Team

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.

    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·         

    Client reference number

    ·         

    Postal address

    ·         

    Postcode

    ·         

    Telephone number

    ·         

    Email address

    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

    for these details and this may delay your reply.

    Thank you

    The Correspondence Team

    —–Original Message—–


    From: Erik ******* [mailto:eribsskog@gmail.com]
    Sent: 20 September 2012 14:41
    To: offers
    Cc: Q&A
    Subject: Your ref: ******7867/Fwd: CCCS

    Hi,

    I’m refering to your Final Notice-letter from 17/9, which I recieved today.

    You there write: ‘but we have not received a replyto our previous correspondence’.

    But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

    Is this the Candid Camera?

    Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

    Please stop with the monkey-business, and be serious.

    I hope the CCCS can stop your funny bailiff-actions and lies.

    Erik ****

    ———- Forwarded message ———-
    From: Q&A <contactus@cccs.co.uk>
    Date: Mon, 20 Aug 2012 17:37:39 +0100
    Subject: CCCS
    To: Erik******** <eribsskog@gmail.com>

    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

     Follow us on Twitter
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    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:
    *******867 (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 *******

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Aug 10, 2012 at 10:35 PM
    Subject: Update/Fwd: Wescot reference: *******867 (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 *********

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Sat, Jul 21, 2012 at 10:31 AM
    Subject: Wescot reference: ******867 (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 ********

    VISIT OUR WEBSITE AT http://www.cccs.co.uk/
    ———————————————————————
    This email message is intended for the individual to whom it’s addressed
    and may contain information that is privileged and confidential. If you are
    not the intended recipient, you are hereby notified that any use or dissemination
    of this communication is strictly prohibited. If you have received this information
    in error, please return it to us immediately and delete it from your computer.
    The contents or opinions expressed within this email are not intended to
    represent the views of CCCS unless specifically stated to be so.
    This email is not guaranteed to be free from any computer viruses, although
    it has been checked using the Trend Virus Suite. You should check this email
    and any attachments for the presence of viruses before downloading any files.
    Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
    Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
    Company No 2757055. Registered Charity No. 1016630″

    VISIT OUR WEBSITE AT

    http://www.cccs.co.uk
    ———————————————————————This email message is intended for the individual to whom it’s addressed
    and may contain information that is privileged and confidential. If you are
    not the intended recipient, you are hereby notified that any use or dissemination

    of this communication is strictly prohibited. If you have received this information

    in error, please return it to us immediately and delete it from your computer.

    The contents or opinions expressed within this email are not intended to

    represent the views of CCCS unless specifically stated to be so.

    This email is not guaranteed to be free from any computer viruses, although

    it has been checked using the Trend Virus Suite. You should check this email
    and any attachments for the presence of viruses before downloading any files.

    Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

    Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

    Company No 2757055. Registered Charity No. 1016630″


    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.

    VISIT OUR WEBSITE AT

    http://www.cccs.co.uk
    ———————————————————————This email message is intended for the individual to whom it’s addressed
    and may contain information that is privileged and confidential. If you are
    not the intended recipient, you are hereby notified that any use or dissemination

    of this communication is strictly prohibited. If you have received this information

    in error, please return it to us immediately and delete it from your computer.

    The contents or opinions expressed within this email are not intended to

    represent the views of CCCS unless specifically stated to be so.

    This email is not guaranteed to be free from any computer viruses, although

    it has been checked using the Trend Virus Suite. You should check this email
    and any attachments for the presence of viruses before downloading any files.

    Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

    Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

    Company No 2757055. Registered Charity No. 1016630″

    VISIT OUR WEBSITE AT

    http://www.cccs.co.uk
    ———————————————————————This email message is intended for the individual to whom it’s addressed
    and may contain information that is privileged and confidential. If you are
    not the intended recipient, you are hereby notified that any use or dissemination

    of this communication is strictly prohibited. If you have received this information

    in error, please return it to us immediately and delete it from your computer.

    The contents or opinions expressed within this email are not intended to

    represent the views of CCCS unless specifically stated to be so.

    This email is not guaranteed to be free from any computer viruses, although

    it has been checked using the Trend Virus Suite. You should check this email
    and any attachments for the presence of viruses before downloading any files.

    Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

    Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

    Company No 2757055. Registered Charity No. 1016630″


    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 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.

  • Jeg sendte en ny e-post til Wescot


    Gmail – Update/Fwd: Update/Fwd: *****7867/Fwd: CCCS

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>



    Update/Fwd: Update/Fwd: *****7867/Fwd: CCCS



    Erik Ribsskog

    <eribsskog@gmail.com>


    Sat, Oct 13, 2012 at 10:05 PM

    To:
    offers@wescot.co.uk

    Cc:
    Correspondence Queries <client@cccs.co.uk>, Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>

    Hi,

    I got a new income and expenditure-form in the post from you today.
    From 11/10, with the reference D3/49597867.
    I contacted your partned Capital One last automn, regarding my new budget.


    I offered you a token-payment-agreement on £1 a month, untill I got a full-time-job.
    Capital One told me my signature wasn’t mine, so this process have stalled, since last year.


    Now you get back to me.

    I’m still unemployed but I’m trying to set a business up, on my spare-time.

    And the Jobcentre is ‘messing’ with my jobseekers allowance.

    So at the moment, I have to say I don’t have any income.


    I could get back to you when I get the jobseekers allowance back.

    And then I would offer you the same as last time, £1 a month in token-payments.
    I’ve since last year gotten a flat witch was unfurnitured.

    So any money I have left after token-payments each month I now buy furniture and other things for the flat with.

    And I was going to set up a new budget, when I got a full-time job.

    And I’m going to do that.

    But I don’t think it’s right that I have to set up a new budget now, because your partner said my signature wasn’t mine, and didn’t accept my new budget, last year.


    This has taken so much of my time now, so you should really just delete the debt, I think.

    I’m on Ladders, so I have a high income-potential.

    All the hours I’ve spent on you and Captial One should add up to arround the debt I owe you, I think.


    So I’m looking forward to hearing from you that my debt with you has been deleted!

    Hope this is alright!

    Best regards,


    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Oct 12, 2012 at 4:12 PM
    Subject: Re: Update/Fwd: *****7867/Fwd: CCCS
    To: Correspondence Queries <client@cccs.co.uk>
    Cc: offers <offers@wescot.co.uk>

    Hi,

    thank you for your e-mail!

    I’m not paying token-payments at the moment.


    Wescot have sent me a budget-form again now.

    But as your collegue there have previously told me I don’t have to fill out this form to get token-payments.

    It should be enought that I’ve explained about my situation.

    I’ve offered Wescot a token-payment-arrangement like a ‘million’ times.

    But they haven’t sent me giros or anything.

    And this is taking a lot of my time now.
    Because I’ve been offering Wescot, (and Capital One), a token-payment-arrangement since last year now.

    And all I get are standard letters which tells lies like that I haven’t replied to their letters.


    When I’ve sent about a million e-mails to them, which I haven’t gotten replies to.

    So I now copy this e-mail to Wescot.

    And I hope they’ll send me some giros for the token-payment arrangement of £1 a month now.


    Or tell me what information they need from me to set up a direct-debit-agreement.
    So I hope this will be sorted now.

    Thanks again for the e-mail!

    Best regards,

    Erik Ribsskog

    On Thu, Oct 11, 2012 at 8:07 AM, Correspondence Queries <client@cccs.co.uk> wrote:

    Hello Eric

    Thank you for copying us in to the email you have sent to Wescot.

    Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

    As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

    I hope this is helpful and reassuring.

    If you have any queries or concerns, please do not hesitate to contact us on  0845 272 5400. Lines are open 8am to 6pm, Monday to Friday. Email us at client.services@cccs.co.uk or go online to www.cccs.co.uk and follow the links to send us a web mail.                                                      

    Kind regards

    Hannah

    Correspondence Advisor

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

    Sent: 08 October 2012 01:14
    To: offers@wescot.co.uk
    Cc: Q&A
    Subject: Update/Fwd: *****7867/Fwd: CCCS

    Hi,
    on Saturday I got a letter from Nelson Guest & Partners Solicitiors, witch I attach a scanned copy of.

    I’m don’t have the chance to pay 50% of the dept, av the moment, unfortunately.

    I’m repeating my offer of a token-payment-arrangement again.

    (Which I’ve done many times earlier).

    I hope you can ‘stop messing around’ now, (like I think I have to call it), and just accept my token-payment-offer, like the other companies have done.

    I don’t understand why you do so much ‘mumbo-jumbo’ surrounding this.

    This should be a straight forward tokey-payment agreement.

    I hope the CCCS can tell you to stop with your funny letters and just accept my token-payment-agreement, which I have offered you, a million times, (to exaggerate, but anyway).


    Captial One even have a football-cup named after you, but you don’t seem to be a serious company.

    It’s like being on the candid camera to try get a token-payment-agreement agreed with you.


    Erik
    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Mon, Oct 1, 2012 at 3:32 PM
    Subject: Re: *****7867/Fwd: CCCS
    To: offers <offers@wescot.co.uk>

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

    Hi,

    it should be D3/49597867, (like I wrote in the subject-line in the e-mail I sent you on 20/9).

    I repeat my token-payment offer on £1 a month, like I offer all my other creditors untill I find new employment.

    Hope this is alright!

    Best regards,


    Erik Ribsskog

    On Mon, Oct 1, 2012 at 8:30 AM, offers <offers@wescot.co.uk> wrote:
    Good morning,

    Please provide the wescot reference beginning with D3 or DM

    Kind regards

    Rebecca Stearman

    Offers Administrator

    Description: Description: Description: cid:image001.jpg@01CA4CD1.636A7F00

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

    Sent: 28 September 2012 14:34
    To: Correspondence Queries
    Cc: offers
    Subject: Re: *****7867/Fwd: CCCS

    Hi,

    thank you for your e-mail!

    Yes, I send a copy of this e-mail to Wescot as a reminder of my token-payment-offer, of one pound a month untill I find new employement.


    I thought it was like you write here, with the budget-form etc., from when I went to business-school, in the eighties.

    Even if that was in Norway, I think business-law is mostly the same in the western world.


    Mostly based on old British business-law, if I’m not mistaking.
    Thank you very much for the help with this!

    The information I sent to Capital One was a new token payment-offer after I had to move to Sunderland for some months last year.


    If I remember it right.


    I now found a letter on my blog, from Capital One, from 2009, when they also complained about my signature, (so this has happened in both 2009 and 2011), which I attach.

    Thanks again for the advice!

    Best regards,


    Erik Ribsskog
    On Fri, Sep 28, 2012 at 12:37 PM, Correspondence Queries <client@cccs.co.uk> wrote:

    Hi Erick

    Thank you for your email about your Wescot and Capital One accounts.

    If you have concerns over the wording of the letter from Wescot, I would advise you to raise a complaint directly with them.

    The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

    You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.

    I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will show that you are willing to pay the account off.

    If you don’t make a payment, the creditor can take further action.

    I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about them not receiving your letters.

    You can ask for a Data Access Request from them which will provide you with all the notes made on your account. There may be a charge for this request.

    Can you advise me what information you sent to Capital One for them to reject your signature? If your signature hasn’t changed, I would advise you to contact Capital One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

    Again, you can ask for a Data Access Request to see what has been noted on your account and there may be a charge for this request.

    I hope this has been helpful.

    If you have any further queries, please contact us on 0845 272 5400, lines are open 8am to 6pm, Monday to Friday, you can email us at client.service@cccs.co.uk.

    Kind regards

    Paul Marshall
    Correspondence Co-ordinator


    Sent: 26 September 2012 00:05
    To: Correspondence Queries
    Subject: Re: *****7867/Fwd: CCCS

    Hi,
    I’ve gone to business-school and letters shouldn’t contain lies even if they are standard letters.

    Here it’s obvious that the standard letter is used wrongly.

    I’m not making a token-payment here, you haven’t read up.


    Please escalate to your line manager.

    Regards,

    Erik Ribsskog

    PS.


    And I don’t think it’s a good idea to call these companies.


    It’s better to keep the correspondence in writing, so to keep documentation about what has been agreed.


    PS 2.


    You haven’t commented on that Capital One told me my signature wasn’t mine.


    I want to please escalate this to your line-manager.

    On Tue, Sep 25, 2012 at 10:33 AM, Correspondence Queries <client@cccs.co.uk> wrote:
    Hi Erik

    Thank you for contacting us about your account with Wescot.

    Creditors will often send standard collection letters out to you. Standard letters will include certain phrases that may not fit entirely, such as “we have not received a reply”.

    Unfortunately even though you are making a token payment we cannot stop creditors from contacting you. You should continue to keep your creditors up to date with your financial situation and offer them the most fair and reasonable offer you can.

    It may be best to call your creditors and speak to someone directly. That way all issues can be discussed there and then.

    If you have any further questions or need some more advise, you can call us on 0845 272 5400. Lines are open from 8am to 6pm, Monday to Friday. You can also email us at client.service@cccs.co.uk.

    Kind regards

    Gurj
    Correspondence Advisor

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.
    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

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    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.

    Thank you

    The Correspondence Team

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.
    In order for us to do this we will be making some changes to the way in which we validate your identity.

    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·          Client reference number

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    ·          Postcode

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    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.

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    We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.

    In order for us to do this we will be making some changes to the way in which we validate your identity.

    The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

    ·          Client reference number

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    Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.

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    —–Original Message—–

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

    Sent: 20 September 2012 14:41
    To: offers
    Cc: Q&A
    Subject: Your ref: ******7867/Fwd: CCCS

    Hi,

    I’m refering to your Final Notice-letter from 17/9, which I recieved today.

    You there write: ‘but we have not received a replyto our previous correspondence’.

    But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

    Is this the Candid Camera?

    Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

    Please stop with the monkey-business, and be serious.

    I hope the CCCS can stop your funny bailiff-actions and lies.

    Erik ****

    ———- Forwarded message ———-
    From: Q&A <contactus@cccs.co.uk>
    Date: Mon, 20 Aug 2012 17:37:39 +0100
    Subject: CCCS
    To: Erik******** <eribsskog@gmail.com>

    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

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    ________________________________

    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:
    *******867 (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 *******

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Aug 10, 2012 at 10:35 PM
    Subject: Update/Fwd: Wescot reference: *******867 (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 *********

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Sat, Jul 21, 2012 at 10:31 AM
    Subject: Wescot reference: ******867 (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 ********

    VISIT OUR WEBSITE AT http://www.cccs.co.uk/
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    Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
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    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.

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    This email message is intended for the individual to whom it’s addressed
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    not the intended recipient, you are hereby notified that any use or dissemination
    of this communication is strictly prohibited. If you have received this information
    in error, please return it to us immediately and delete it from your computer.

    The contents or opinions expressed within this email are not intended to
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    This email is not guaranteed to be free from any computer viruses, although
    it has been checked using the Trend Virus Suite. You should check this email
    and any attachments for the presence of viruses before downloading any files.

    Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
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