Stikkord: Capital One

Jeg sendte en ny e-post om budsjett

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

Erik Ribsskog
<eribsskog@gmail.com>

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

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Oct 8, 2012 at 1:14 AM

To:
offers@wescot.co.uk

Cc:
contactus@cccs.co.uk

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 Ribsskog

———- 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

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

—–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
http://twitter.com/moneyaware

Like us on Facebook
http://www.facebook.com/moneyaware

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

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

________________________________

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.

wescot.jpg
374K

PS.

Her er vedlegget:

8. oktober 2012
Jeg sendte en e-post til CCCS

Gmail – *****7867/Fwd: CCCS

Erik Ribsskog
<eribsskog@gmail.com>

*****7867/Fwd: CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Sep 28, 2012 at 2:33 PM

To:
Correspondence Queries <client@cccs.co.uk>

Cc:
offers <offers@wescot.co.uk>

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

strong>

—–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
http://twitter.com/moneyaware

Like us on Facebook
http://www.facebook.com/moneyaware

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

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

________________________________

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″

signature problem letter capital one.jpg
29K

PS.

Her er vedlegget:

28. september 2012

Jeg sendte en ny e-post til CCCS

Gmail – CCCS

Erik Ribsskog
<eribsskog@gmail.com>

CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Aug 20, 2012 at 6:57 PM

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

Cc:
offers@wescot.co.uk

Hi,

thanks for your reply!

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

But, I'm still unemployed, and only get around £140 each forthnight, in Jobseekers Allowance.

And the other crediors, have accepted my token-payment-offer, a year almost ago.

But Capital One, (who Wescot enquires about my debt to), have been difficult towards me, I think.

Capital One have told me my signature isn't mine, and things like that, so the process have been delayed.

I think they are unreasonable if they want me to set up a new budget just because of them, when I'm still unemployed.

When I only get the jobseekers allowance, then they should understand that I need these money for food and clothes, etc.

It isn't my fault that they didn't recognise my signature at the company they co-operate with, that's Capital One.

I think they are unreasonable.

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

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

The Council just sent my debt to the Jobcentre.

And this was even a priority debt.

My budget isn't that in detail now, since I've been moving a couple of times.

What difference does it make if what I use my few punds on, if one only get around £140 a fourtnight, then one aren't going to be rich anyway.

So I have really explained my situation I think.

In Norway we aren't that organised always, so I don't write up what I use every penny on.

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

Best regards,

Erik Ribsskog

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

Good afternoon

Thank you for your email.

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

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

Kind regards

Jonathan

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

Like us on Facebook
http://www.facebook.com/moneyaware

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

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

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

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

Hi,

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

(Like I've offered my other creditors).

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

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

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

What do you think at CCCS about this?

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

I attach the letter from Wescot.

Yours sincerely,

Erik Ribsskog

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

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

Hi,

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

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

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

So this is my offer.

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

I think is unnessesary paper-work then.

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

They
have just accepted my token-payment-offer.

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

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

Hi,

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

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

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

Hope this is alright!

Yours sincerely,

Erik Ribsskog

20. august 2012

Jeg sendte en ny e-post til Capital One

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

Erik Ribsskog

<eribsskog@gmail.com>

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

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Jan 17, 2012 at 10:57 AM

To:

Capital One – Abuse <abuse@capitalone.com>

Cc:

contactus@cccs.co.uk

Hi,

like I've written to you earlier, your message-system doesn't work for my account.

Also, I think regular e-mails are better, since they let people keep a copy of the correspondence in their e-mail folder.

Because I don't like to argue on the phone, about things like this.

(And it's also expensive to call from a mobile).

If Capital One Abuse can send an e-mail, then your other departments should be able to send e-mails as well, I think.

And I've tried to send you a letter, but then you say it's not my signature.

So I don't think we get any longer.

Maybe CCCS can help, and set up a payment-agreement for £1 token-payments, for me, due to these problems with the correspondence.

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

Regards,

Erik Ribsskog

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

Hello Erik Ribsskog,

Thanks for your message.

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

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

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

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

day.

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

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

recorded/monitored for training purposes.

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

Representatives are available 24 hours every day.

Since regular electronic correspondence is not a secure method of

contacting us and we wish to protect the integrity of account

information, Capital One prefers to discuss personal and

account-specific questions by secure message and telephone rather than

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

as viewing statements and making payments is secure.

We look forward to new opportunities to assist you.

Regards,

Capital One

Original Message Follows:

————————

Hi,

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

in the subject-line.

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

argue about this, over the phone.

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

creditors), untill I get a job).

Thanks in advance for any help!

Yours sincerely,

Erik Ribsskog

PS.

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

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

it seems.

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

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

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

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

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

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

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

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

from your computer.

17. januar 2012

Jeg sendte en ny e-post til Capital One

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

Erik Ribsskog

<eribsskog@gmail.com>

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

Erik Ribsskog

<eribsskog@gmail.com>

Sun, Jan 15, 2012 at 2:05 AM

To:

Capital One – Abuse <abuse@capitalone.com>

Cc:

contactus@cccs.co.uk

Hi,

Holy left me a voicemail on Friday asking me to call her, on the number in the subject-line.

Could you please ask her to contact me on e-mail since I don't want to argue about this, over the phone.

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

Thanks in advance for any help!

Yours sincerely,

Erik Ribsskog

PS.

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

15. januar 2012

Jeg sendte en ny e-post angående Capital One

Gmail – Ref: 7597W0/Fwd: E-mail address Capital One (KMM22164405V93447L0KM)

Erik Ribsskog

<eribsskog@gmail.com>

Ref: 7597W0/Fwd: E-mail address Capital One (KMM22164405V93447L0KM)

Erik Ribsskog

<eribsskog@gmail.com>

Wed, Nov 30, 2011 at 1:17 PM

To:

queries@capquestco.com

Hi,

I got a text-message today telling me to contact you quoting Ref: 7597W0.

Is this something to do with Capital One?

I've tried to contact them, (please see the forwarded e-mails).

But they don't have a proper general enquiry e-mail address, so this has been a bit tricky.

Regards,

Erik Ribsskog

———- Forwarded message ———-

From: Erik Ribsskog <eribsskog@gmail.com>
Date: Mon, Nov 21, 2011 at 5:38 PM
Subject: Re: E-mail address Capital One (KMM22164405V93447L0KM)

To: Capital One – Abuse <abuse@capitalone.com>

Hi,

I tried that option earlier today, with the secure messages.

But the website didn't want to let me set up an account for these messages, (for some reason).

I wonder if you have a proper e-mail address which I could send to.

In your last letter, you only gave me seven days, to get back to you.

I live at a lodge, (after two unfair, 'gestapo-like' evictions, in Liverpool and Sunderland), and here I don't get the post more often than once a week, normally.

So I couldn't reply to you within seven days this time.

Just to mention that while I remember this.

Maybe my account with you have been moved to another department due to the delay, from the lodge I live at, (Azalea Lodge), with the post?

This lodge doesn't have a reception and a manager here tickles me, when I stand in the office-door.

(A big guy, which I think is gay).

And it's a small office with often up to four people in.

It's like a meeting then, I think if I go into the office.

And I haven't got a post-rutine explaned.

The week before last, I got a letter by the House Manager, Lorraine.

She said they had been knocking on my door.

I think this sounds strange.

I'm a veteran from the infantery and am used with waking up when there was an alarm.

I think I would have heard knocking on my door.

Perhaps the food doesn't contain enough vitamins, so that staff get small muscles and can't make sound, when knocks?

Beats me.

Just to inform.

I also post about this on my blogg, to explain about my situation as a refugee, in the UK.

Thanks for your e-mail!

Could I please have a 'proper' e-mail address to Capital One?

Regards,

Erik Ribsskog

On Mon, Nov 21, 2011 at 4:37 PM, Capital One – Abuse <abuse@capitalone.com> wrote:

Hello Erik Ribsskog,

Thanks for your message.

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

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

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

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

day.

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

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

recorded/monitored for training purposes.

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

Representatives are available 24 hours every day.

Since regular electronic correspondence is not a secure method of

contacting us and we wish to protect the integrity of account

information, Capital One prefers to discuss personal and

account-specific questions by secure message and telephone rather than

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

as viewing statements and making payments is secure.

We look forward to new opportunities to assist you.

Regards,

Capital One

Original Message Follows:

————————

Hi,

I'm trying to get the e-mail address for Capital One, (UK), since it's

expensive to call them from mobile.

Regards,

Erik Ribsskog

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

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

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

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

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

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

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

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

from your computer.

30. november 2011

Jeg sendte en ny e-post til Capital One

Gmail – Re: E-mail address Capital One (KMM22164405V93447L0KM)

Erik Ribsskog

<eribsskog@gmail.com>

Re: E-mail address Capital One (KMM22164405V93447L0KM)

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Nov 21, 2011 at 5:38 PM

To:

Capital One – Abuse <abuse@capitalone.com>

Hi,

I tried that option earlier today, with the secure messages.

But the website didn't want to let me set up an account for these messages, (for some reason).

I wonder if you have a proper e-mail address which I could send to.

In your last letter, you only gave me seven days, to get back to you.

I live at a lodge, (after two unfair, 'gestapo-like' evictions, in Liverpool and Sunderland), and here I don't get the post more often than once a week, normally.

So I couldn't reply to you within seven days this time.

Just to mention that while I remember this.

Maybe my account with you have been moved to another department due to the delay, from the lodge I live at, (Azalea Lodge), with the post?

This lodge doesn't have a reception and a manager here tickles me, when I stand in the office-door.

(A big guy, which I think is gay).

And it's a small office with often up to four people in.

It's like a meeting then, I think if I go into the office.

And I haven't got a post-rutine explaned.

The week before last, I got a letter by the House Manager, Lorraine.

She said they had been knocking on my door.

I think this sounds strange.

I'm a veteran from the infantery and am used with waking up when there was an alarm.

I think I would have heard knocking on my door.

Perhaps the food doesn't contain enough vitamins, so that staff get small muscles and can't make sound, when knocks?

Beats me.

Just to inform.

I also post about this on my blogg, to explain about my situation as a refugee, in the UK.

Thanks for your e-mail!

Could I please have a 'proper' e-mail address to Capital One?

Regards,

Erik Ribsskog

On Mon, Nov 21, 2011 at 4:37 PM, Capital One – Abuse <abuse@capitalone.com> wrote:

Hello Erik Ribsskog,

Thanks for your message.

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

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

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

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

day.

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

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

recorded/monitored for training purposes.

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

Representatives are available 24 hours every day.

Since regular electronic correspondence is not a secure method of

contacting us and we wish to protect the integrity of account

information, Capital One prefers to discuss personal and

account-specific questions by secure message and telephone rather than

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

as viewing statements and making payments is secure.

We look forward to new opportunities to assist you.

Regards,

Capital One

Original Message Follows:

————————

Hi,

I'm trying to get the e-mail address for Capital One, (UK), since it's

expensive to call them from mobile.

Regards,

Erik Ribsskog

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

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

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

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

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

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

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

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

from your computer.