johncons

Stikkord: E-post

  • Riksadvokaten sendte min anmeldelse av Spesialenheten, (siden de ikke ville etterforske politiet, i forb. med ran av Rimi Nylænde), til Statsadvokaten







    Google Mail – SV: Purring/Fwd: Anmeldelse av Spesialenheten til Riksadvokaten for slapphet/unnfallenhet i tjenesten







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    SV: Purring/Fwd: Anmeldelse av Spesialenheten til Riksadvokaten for slapphet/unnfallenhet i tjenesten





    Elisabeth Fredriksen

    <elisabeth.fredriksen@riksadvokaten.no>





    Mon, Jul 27, 2009 at 1:40 PM





    To:

    Erik Ribsskog <eribsskog@gmail.com>




    Vedlagt oversendes til Dem som gjenpartsadressat, riksadvokatens

    brev av 27. juli d.å. til Hedmark og Oppland

    statsadvokatembeter.

    —–Opprinnelig melding—–
    Fra: Erik Ribsskog

    [mailto:eribsskog@gmail.com]
    Lagt inn: 23.juli2009 23:04
    Lagt

    inn i:
    Postmottak HPM Riksadvokaten
    Diskusjon: Purring/Fwd:

    Anmeldelse av Spesialenheten til Riksadvokaten for slapphet/unnfallenhet i

    tjenesten
    Emne: Purring/Fwd: Anmeldelse av Spesialenheten til

    Riksadvokaten for slapphet/unnfallenhet i tjenesten

    Hei,

    jeg kan ikke se å ha mottatt noe svar på denne e-posten ennå, og sender

    derfor denne purringen.

    Mvh.

    Erik Ribsskog

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

    2009/6/6
    Subject: Anmeldelse av Spesialenheten til Riksadvokaten for

    slapphet/unnfallenhet i tjenesten
    To: postmottak@riksadvokaten.no

    Hei,

    jeg jobbet som butikksjef, på Rimi Nylænde, på Lambertseter i Oslo, i

    1999, hvor vi hadde en

    ransbølge der.

    Etter det første ranet, (som var den helgen vi byttet frysere der),

    så ble jeg innkalt til Grønland

    Politistasjon, for å se om jeg kjente igjen raneren, i en boks de hadde

    der, med bilder, fredagen,

    seks dager etter ranet.

    Etterforskeren der, han viste meg en boks med lyshårede kriminelle

    da, regner jeg med, men

    raneren var så 'våken' under ranet, så jeg kunne ikke se han på noen av

    bildene.

    Men etterforskeren, han la tommelen sin, på toppen av bildeesken, sånn at

    et bilde, satt mellom

    tommelen hans og esken.

    Så nikket han liksom mot tommelen sin da.

    Så kikket jeg på det bildet, men han så så trøtt ut, så jeg kunne

    ikke si om det var han raneren,

    for han så så våken ut, under ranet.

    Så jeg forklarte bare at jeg kunne ikke kjenne igjen raneren, på noen av

    bildene.

    Men jeg er helt sikker på, at etterforskeren, han ville at jeg skulle

    si, om han på bildet under tommelen,

    at 'der er han raneren ja'.

    Så dette var forsøk på å påvirke vitne, er jeg 100% sikker på.

    Men så sier Spesialenheten, at jeg er for upresis, i min

    beskrivelse.

    Men, dette ranet stod det jo til og med om i avisa, og var vel

    sikkert i nyhetene på TV og.

    Så at Spesialenheten ikke skal klare å finne ut hvilken etterforsker

    dette er, det ser jeg på

    som svada/slapphet fra Spesialenheten.

    Legg også merke til at de skriver 'Med hilsen' og ikke 'Med vennlig

    hilsen', som vel er vanlig å skrive

    i Norge, det synes jeg er litt ekkelt fra Spesialenheten, og jeg lurer på

    om de har noen slags følelser

    ovenfor meg, som de ikke har klart å bearbeide(?)

    Det synes jeg i såfall er rart, for jeg har ikke vært i Hamar, siden

    1993, da jeg var i militæret i Elverum.

    Kanskje det er derfor de ikke liker meg, siden jeg var i militæret i

    nabobyen og ikke i Hamar?

    Nei, hvem vet, men jeg tror de kanskje er for opptatt av tipping, som

    også er i Hamar, og for lite opptatt

    av politiarbeid, hos Spesialenheten.

    Så det hadde kanskje vært en ide å flytta Spesialenheten til en by

    hvor de ikke har tipping?

    Ihvertfall burde det kikkes på fra dere, hva det kan komme av, at

    Spesialenheten er så slappe.

    (Se også tidligere henvendelser fra meg angående den samme

    Spesialenheten).

    Med vennlig hilsen

    Erik Ribsskog

    Vedlegg: Brev fra Spesialenheten med dato 27.

    mai.





    Felles.PDF
    28K




    PS.

    Her er brevet som Riksadvokaten sendte:

    img004

  • Jeg fikk en e-post fra the Financial Ombudsman, klage-avdelingen, som skulle se over den klagen jeg sendte da, skriver de







    Google Mail – Complaint/Fwd: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Complaint/Fwd: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail





    Service Review Manager

    <srmanager@financial-ombudsman.org.uk>





    Mon, Jul 27, 2009 at 11:14 AM





    To:

    Erik Ribsskog <eribsskog@gmail.com>




    Dear Mr Ribsskog


    Thank you for your e-mail. I

    have asked a member of my team to look into your concerns.

    They will make contact with you in due course.

    Service Review Team

    (on behalf of the Service Review Manager)


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

    Sent: 24 July 2009 20:00
    To: Service Review

    Manager
    Subject: Complaint/Fwd: Reminder/Fwd: Complaint against

    RBS/Fwd: Earlier e-mail


    Hi,

    the Financial Ombudsman is sending me e-mails, at 7. o'clock, on Sunday

    morning!

    I think this is rude and inpolite and an invasion of my privacy.

    I've tried to contact your operations manager, and ask for an explanation,

    about how this behaviour

    from the Financial Ombudsman, can happen, but she have refused to

    explain.

    I know that 7. o'clock, on a Sunday morning, is the last time of the

    week, that I want to deal

    with bank-complaints.

    How can this happen?

    And why are you treating your staff like this, why don't you let them

    have rest-days?

    Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>
    Date:

    Fri, Jul 24, 2009 at 10:42 AM
    Subject: RE: Reminder/Fwd: Complaint against

    RBS/Fwd: Earlier e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Mr

    Ribsskog

    I believe I

    have answered all of your questions in my previous email, and I am not

    prepared to enter into any further discussions regarding this

    matter.

    Please feel

    free to email me however, if you have any queries regarding your

    complaint.

    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117



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

    Sent: 23 July 2009 22:23
    To: Collins,

    Jackie
    Subject: Reminder/Fwd: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm trying

    to send it again.

    Best Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Wed, Jul 1, 2009 at

    2:18 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail
    To:

    "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    I think I have the right to know this, when your representatives send me

    e-mails at

    seven o'clock, on a Sunday morning.

    I think you should send your business e-mails within the

    business-hours, and I'm

    conserned about how you treat your staff, and I've contacted Acas about

    this.

    If you do not expect your staff to work 12-14 hours a week, seven days a

    week,

    then why are the working on a Sunday morning at six o'clock.

    People are going to think that your representatives are some kind of

    slaves, if

    they have to work at the time of the week, when the other people in

    England,

    are on their way back from the pub.

    If people get e-mails at this hour, they are going to start writing answers

    while

    they are still drunk.

    This sounds insane to me, to have people working, at six o'clock, on a

    Sunday

    morning, answering e-mails that they could have answered on a Monday.

    You have to pay them overtime, for work they just as well could have

    done on

    a week-day.

    Your institution is extreamly poorly managed, and you are wasting the

    tax-

    payers money, with all the unessesary over-time.

    I think there is a law in this country saying that Government should have

    openness,

    so I think you should explain what the reason for your very strange and

    akward

    working-hours are.

    Sincerely,

    Erik Ribsskog

    On Wed, Jul 1, 2009 at 9:34 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank you

    for your email.

    You will

    excuse me for not going into the finer details of our staffing working hours

    and holiday allowance. I will however, reassure you we certainly

    do not expect or allow our staff to work 12 to 14 hours a day 7 days a

    week.

    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117



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

    Sent: 30 June 2009

    16:31

    To: Collins, Jackie
    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you overload your representatives with work, and that

    they have to

    work 12 to 14 hours 7 days a week.

    I thought slavery was forbidden in our time.

    Why do you let your representatives work every Sunday morning, when other

    people in

    England are on their way home from the pub?

    Do your staff get summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and

    sometimes that means offering our staff the option of working overtime

    during very busy periods.

    Please

    be assured that they have to work within strict time guidelines, and these

    are always checked by Operations Managers to ensure they are not working too

    many hours.

    The

    service our department offers is outside of the usual office hours of

    9am till 5pm because we have found that a lot of our customers have

    difficulties contacting us whilst they are at work themselves during the 9am

    to 5pm times, so we have opening hours of 8am – 6pm, as do many firms

    these days.

    I hope

    this explains.

    Regards

    Jackie

    Collins

    Operations Manager

    Direct

    Dial : 020 7964 0116

    Direct Fax: 020 7964

    0117



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

    Sent: 29 June 2009

    19:32
    To: Collins, Jackie

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every

    Sunday then?

    Shouldn't you as a main rule conduct your business, within the

    business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie

    <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Rosemary Cox has passed your complaint to me to take over as

    you have requested that she no longer deals with your

    case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that

    they issue you with a final response letter within 14 days. We have

    also asked them to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a

    response from them within 14 days, please let me know and I will arrange

    for your complaint to be moved forward for investigation by an

    Adjudicator.

    Regards

    Jackie Collins
    Operations

    Manager

    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964

    0117


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

    Sent: 28 June 2009 11:17
    To: Cox,

    Rosemary
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to

    tired.

    And in dealing with complaints like these, one obviously needs ones

    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I

    don't think this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I

    said, that I want someone else

    to deal with my complaint, due to that I think that you must be

    overworked.

    Haven't you seen how fine the weather is today, you should have a

    day off in the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:


    Dear Mr

    Ribsskog


    Thank you for your

    e-mails


    As previously advised I am not going to

    debate with you the working hours of this

    office.


    I have written to you today to advise the

    steps we are taking with your complaint. If the firm fail to resolve the

    situation for you, your complaint will be passed onto our adjudication

    area for further consideration of the concerns you have

    raised.


    I should add that

    we do not tolerate rude or insulting language at this

    office
    , and would expect any further communication to be sent in

    a more acceptable manner.


    Kind Regards


    Rose Cox


    team manager



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

    Sent: 28 June 2009 10:43

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the

    business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the

    business-e-mails when they are drunk, which is what has happened today,

    with our correspondence.

    If this is something, you didn't know from before, then I think

    this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I must admit to being surprised and

    confused with the content of the

    e-mail
    .

    We are an extremely busy department and we often

    work at the weekends, this is obviously of help

    to consumers as we are able to deal with their complaints in

    a more timely manner. I would suggest that

    It is entirely up to each individual business to

    determine which hours their staff will work and I do not intend

    debating this with you.

    By working this weekend I have been able to deal

    with your complaint, which as you can appreciate is of a benefit to

    you.

    Perhaps you can clarify the spelling mistakes you

    are referring to?

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to

    send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then

    you think?

    This is what it says on Wikipedia:

    In

    the United

    States
    and United Kingdom, the hours between 9 am and 5 pm are typically considered to be standard

    business hours



    I

    think this is rather akward, as I also think your spelling-mistakes

    are.


    Sincerely,


    Erik

    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out

    that we are not a government department, we are a independent

    complaints body.

    I will be in touch with your again in the next

    few days

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government

    in Norway, work on Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway

    any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not

    a joke, I am currently in the office working

    today.

    I presume that

    you would like us to deal with your complaint, so am responding to

    your e-mails

    today

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 07:36
    To: Cox, Rosemary
    Subject: Re:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the

    way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    I will contact

    you again once I have considered the

    information.

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 27

    June 2009 14:59
    To: Cox, Rosemary
    Subject:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the

    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at

    RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog',

    even if my name

    is Erik, and in Britain, you have a movie called 'Erik the

    Viking', and Eric is

    also a quite usual name, in English-speaking

    countries.

    So I think Yvonne Williams, the complaint-investigator,

    also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the

    way that RBS,

    gave me the bonus of £100, for moving my account to them,

    from Barclays,

    (who I also had problems with, that I'll exlain about to

    your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale

    St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it

    didn't look anything at all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with

    other financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to

    banks, perhaps someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and

    I'll also find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message

    ———-
    From: Williams, Yvonne

    (CRU)
    <Yvonne.Williams@rbs.co.uk>
    Date:

    Tue, Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier

    e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be

    sent to me for my investigation

    Regards

    Yvonne Williams


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 June

    2007 14:04
    To: Williams, Yvonne

    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message

    originates from the Internet ***


    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail,

    because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the

    e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal

    Bank of Scotland plc, Registered in Scotland No. 90312.

    Registered Office: 36 St Andrew Square, Edinburgh EH2

    2YB

    Authorised and regulated by the Financial Services

    Authority.

    This e-mail message is confidential and for

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    This e-mail and any attachments

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    Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh

    Wall, London E14 9SR, United Kingdom. Registered as a limited

    company in England and Wales No. 3725015. Registered office as

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    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not

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    delete this e-mail and any attachment from your system. If you are

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    action in reliance to it.

    This e-mail and any attachments have

    been checked by virus detection software before transmission. You

    should carry out your own virus checks on the contents of this

    communication. We accept no liability for any loss or damage which

    may be caused by software viruses or by interception or

    interruption of this mail.

    Unless otherwise indicated, this e-mail

    has no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this

    e-mail are those of the author and do not necessarily reflect

    those of the Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not

    the intended recipient, please notify the sender immediately and

    delete this e-mail and any attachment from your system. If you are

    not the intended recipient you must not copy, disclose or take any

    action in reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this

    communication. We accept no liability for any loss or damage which

    may be caused by software viruses or by interception or interruption

    of this mail.

    Unless otherwise indicated, this e-mail

    has no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this

    e-mail are those of the author and do not necessarily reflect those

    of the Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete

    this e-mail and any attachment from your system. If you are not the

    intended recipient you must not copy, disclose or take any action in

    reliance to it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s)

    indicated in it. The statements and opinions expressed in this e-mail

    are those of the author and do not necessarily reflect those of the

    Financial Ombudsman Service Ltd.

    This email has originated from the

    Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall,

    London E14 9SR, United Kingdom. Registered as a limited company in

    England and Wales No. 3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should

    carry out your own virus checks on the contents of this communication.

    We accept no liability for any loss or damage which may be caused by

    software viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has

    no contractual effect and may only be used for the purpose(s) indicated

    in it. The statements and opinions expressed in this e-mail are those of

    the author and do not necessarily reflect those of the Financial

    Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been

    checked by virus detection software before transmission. You should carry

    out your own virus checks on the contents of this communication. We accept

    no liability for any loss or damage which may be caused by software

    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in

    it. The statements and opinions expressed in this e-mail are those of the

    author and do not necessarily reflect those of the Financial Ombudsman

    Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been checked

    by virus detection software before transmission. You should carry out your

    own virus checks on the contents of this communication. We accept no

    liability for any loss or damage which may be caused by software viruses or

    by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it.

    The statements and opinions expressed in this e-mail are those of the author

    and do not necessarily reflect those of the Financial Ombudsman Service

    Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.




    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the

    intended recipient, please notify the sender immediately and delete this

    e-mail and any attachment from your system. If you are not the intended

    recipient you must not copy, disclose or take any action in reliance to

    it.

    This e-mail and any attachments have been checked

    by virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception

    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it.

    The statements and opinions expressed in this e-mail are those of the author

    and do not necessarily reflect those of the Financial Ombudsman Service

    Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

    United Kingdom. Registered as a limited company in England and Wales No.

    3725015. Registered office as above.




    This e-mail and any attachments are confidential

    and may be subject to legal privilege. If you are not the intended recipient,

    please notify the sender immediately and delete this e-mail and any attachment

    from your system. If you are not the intended recipient you must not copy,

    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by

    virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception or

    interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it. The

    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.




    This e-mail and any attachments are confidential

    and may be subject to legal privilege. If you are not the intended recipient,

    please notify the sender immediately and delete this e-mail and any attachment

    from your system. If you are not the intended recipient you must not copy,

    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by

    virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception or

    interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it. The

    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.







  • Jobbsøking i England: Jeg sendte e-post til University of Sunderland, om de kunne sende meg resultatet av en engelskprøve jeg tok der, i 2004







    Google Mail – English-test







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    English-test





    Erik Ribsskog

    <eribsskog@gmail.com>





    Mon, Jul 27, 2009 at 4:22 PM





    To:

    gateway@sunderland.ac.uk



    Hi,

    I studied at the University of Sunderland in 2004 and 2005, on the study
    abroad programme.
    I had some problems with my study-finance from Norway, so I had to end
    my studies before I got my degree, due to the problems with this, and with

    my home university not wanting to accept the modules I'd chosen, for some
    reason.
    But, I think it looks a bit stupid, not to have any files from when I studied
    in Sunderland, so I thought that perhaps I could try to get a file with the

    result of my English-test, that all study abroad students had to take,
    where I got the best result, so that I didn't have to take English courses.
    That file would have been very fine to have.

    So I was wondering if you know who I should contact then, that has to do
    with files like this, at the Language-study department.
    Thanks in advance for the help!
    Yours sincerely,

    Erik Ribsskog






  • Nettavisen for Brunlanes sensurerte det jeg skrev om bestemor Ingeborg. (In Norwegian)







    Google Mail – Hei du







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Hei du





    Erik Ribsskog

    <eribsskog@gmail.com>





    Sat, Jul 25, 2009 at 3:40 AM





    To:

    Roy Myrland <tips@paaneset.no>



    Hei,

    det er altså ikke noe som har kommet nå, disse problemene i familien.
    Dette har foregått siden 2005, og også før den tid.
    Jeg skjønner ikke hva vitsen er med å sensurere dette, og late som at alt skal

    være fryd og gammen, for det er det altså ikke.
    Jeg fikk ikke vite at min mormor var død, før etter begravelsen.
    Ingen har spurt meg, om det var greit med askespredning, istedet for gravsten.

    Og ingen har kontakten meg angående arv, el. enda noen viktige dokumenter som Ingeborg hadde,
    var noe hun ga til meg, på 80-tallet.
    Hun pleide forresten ikke å kalle seg Ankerita, annet enn når hun skrev innlegg i avisene.

    Jeg ser du skriver at du var i en stilfull kremasjon, for bestemor Ingeborg.
    Men hvorfor en kremasjon, på Torstrand, som er milevis fra Nevlunghavn, og ikke en begravelse
    i Nevlunghavn?

    Og hvorfor solgte de Ingeborgs malerier, når hun lå dødsyk, jeg synes dette høres merkelig ut.
    Men du får ha takk for svar og for sensuren.
    Det er tydelig at pressen i Norge, ikke har kommet seg helt over Stalins tidsperiode ennå.

    Men men.
    Mvh.
    Erik Ribsskog

    2009/7/25 Roy Myrland <tips@paaneset.no>

    Vedr. denne meldingen i kommentarboken

    "Hei,


    jeg ser at dere har hatt mye om min mormor, Ingeborg Ribsskog, sine

    maleriutstillinger, i Nevlunghavn.

    Min mormor døde, for noen uker siden, så jeg regner med at det ikke ble

    noe av den siste utstillingen.

    Min tante Ellen Savoldelli, sa ihvertfall på telefonen, i våres, at

    bestemor var veldig syk, så hvorfor de hadde utstilling, det vet ikke jeg.

    Men jeg snakker ikke med resten av familien, etter at de ikke sender

    meg klærna mine og viktige papirer, etter at jeg måtte rømme fra gården til min

    onkel Martin, Ingeborgs sønn, i 2005.

    Men jeg fikk en rar e-post, som jeg fant i thrash-folderen, etter

    begravelsen, hvor det stod at hun var død da.

    Så ringte jeg kirken i Larvik da, for å høre om det her kunne

    stemme.

    Og da fikk jeg vite at hun hadde en enkel sermoni, uten prest, til

    kremasjonen sin, på Torstrand kapell vel.

    Og hun skulle ikke ha gravsten, men kun askespredning, i regi av tante

    Ellen da.

    Så ikke noe gravsten på kirkegården i Nevlunghavn, er det Berg den

    kirken heter?

    Og ingen har kontaktet meg, angående min del av arven heller, for min

    mor, Ingeborgs datter, Karen, døde i 1999, så jeg burde ha fått en tredjedel av

    arven som moren min skulle ha fått, siden vi er tre søsken.

    Bare en oppdatering i landflyktighet fra England her, siden jeg fant

    denne nettavisen, hvor det stod om min mormor.

    Mvh.

    Erik Ribsskog"

    Jeg har slettet meldingen i "kommentarspalten", da jeg gjerne skal

    kommentere den saken til deg, men at jeg finner det unødvendig å gjøre det i det

    "offentlige" rommet. Dette av hensynet til minnet om din mormor..

    Jeg var i minnesermonien til Ingeborg Ankerita og det var en stilfull

    og verdig sermoni. Jeg ber deg ta kontakt med din tante eller andre i din

    familie for mer opplysninger, og jeg finner det særdeles trist at uvennskap

    eller feider skal komme nå etter at din mormor er gått bort. Om det er ting du

    alikevel vil spørre eller ha hjelp til av meg, så ring meg på tlf 91786242 , så

    skal jeg svare så godt jeg kan. Mvh Roy Myrland






  • The Financial Ombudsman har en Service Review Manager, og jeg sendte klagen min dit, på at de kontakter folk for tidlig, på søndagene, om bankklager







    Google Mail – Complaint/Fwd: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Complaint/Fwd: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail





    Erik Ribsskog

    <eribsskog@gmail.com>





    Fri, Jul 24, 2009 at 7:59 PM





    To:

    srmanager@financial-ombudsman.org.uk



    Hi,

    the Financial Ombudsman is sending me e-mails, at 7. o'clock, on Sunday morning!
    I think this is rude and inpolite and an invasion of my privacy.
    I've tried to contact your operations manager, and ask for an explanation, about how this behaviour

    from the Financial Ombudsman, can happen, but she have refused to explain.
    I know that 7. o'clock, on a Sunday morning, is the last time of the week, that I want to deal
    with bank-complaints.

    How can this happen?
    And why are you treating your staff like this, why don't you let them have rest-days?
    Regards,
    Erik Ribsskog

    ———- Forwarded message ———-
    From: Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    Date: Fri, Jul 24, 2009 at 10:42 AM
    Subject: RE: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Mr Ribsskog

    I believe I have answered all of your questions in my

    previous email, and I am not prepared to enter into any further discussions

    regarding this matter.

    Please feel free to email me however, if you have any

    queries regarding your complaint.

    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117


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

    Sent: 23 July 2009 22:23
    To: Collins,

    Jackie
    Subject: Reminder/Fwd: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm trying

    to send it again.

    Best Regards,

    Erik Ribsskog

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

    Date:

    Wed, Jul 1, 2009 at 2:18 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail
    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    I think I have the right to know this, when your representatives send me

    e-mails at

    seven o'clock, on a Sunday morning.

    I think you should send your business e-mails within the

    business-hours, and I'm

    conserned about how you treat your staff, and I've contacted Acas about

    this.

    If you do not expect your staff to work 12-14 hours a week, seven days a

    week,

    then why are the working on a Sunday morning at six o'clock.

    People are going to think that your representatives are some kind of

    slaves, if

    they have to work at the time of the week, when the other people in

    England,

    are on their way back from the pub.

    If people get e-mails at this hour, they are going to start writing answers

    while

    they are still drunk.

    This sounds insane to me, to have people working, at six o'clock, on a

    Sunday

    morning, answering e-mails that they could have answered on a Monday.

    You have to pay them overtime, for work they just as well could have

    done on

    a week-day.

    Your institution is extreamly poorly managed, and you are wasting the

    tax-

    payers money, with all the unessesary over-time.

    I think there is a law in this country saying that Government should have

    openness,

    so I think you should explain what the reason for your very strange and

    akward

    working-hours are.

    Sincerely,

    Erik Ribsskog

    On Wed, Jul 1, 2009 at 9:34 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank you

    for your email.

    You will

    excuse me for not going into the finer details of our staffing working hours

    and holiday allowance. I will however, reassure you we certainly

    do not expect or allow our staff to work 12 to 14 hours a day 7 days a

    week.

    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117



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

    Sent: 30 June 2009

    16:31

    To: Collins, Jackie
    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you overload your representatives with work, and that

    they have to

    work 12 to 14 hours 7 days a week.

    I thought slavery was forbidden in our time.

    Why do you let your representatives work every Sunday morning, when other

    people in

    England are on their way home from the pub?

    Do your staff get summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and

    sometimes that means offering our staff the option of working overtime

    during very busy periods.

    Please

    be assured that they have to work within strict time guidelines, and these

    are always checked by Operations Managers to ensure they are not working too

    many hours.

    The

    service our department offers is outside of the usual office hours of

    9am till 5pm because we have found that a lot of our customers have

    difficulties contacting us whilst they are at work themselves during the 9am

    to 5pm times, so we have opening hours of 8am – 6pm, as do many firms

    these days.

    I hope

    this explains.

    Regards

    Jackie

    Collins

    Operations Manager

    Direct

    Dial : 020 7964 0116

    Direct Fax: 020 7964

    0117



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

    Sent: 29 June 2009

    19:32
    To: Collins, Jackie

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every

    Sunday then?

    Shouldn't you as a main rule conduct your business, within the

    business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie

    <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Rosemary Cox has passed your complaint to me to take over as

    you have requested that she no longer deals with your

    case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that

    they issue you with a final response letter within 14 days. We have

    also asked them to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a

    response from them within 14 days, please let me know and I will arrange

    for your complaint to be moved forward for investigation by an

    Adjudicator.

    Regards

    Jackie Collins
    Operations

    Manager

    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964

    0117


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

    Sent: 28 June 2009 11:17
    To: Cox,

    Rosemary
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to

    tired.

    And in dealing with complaints like these, one obviously needs ones

    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I

    don't think this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I

    said, that I want someone else

    to deal with my complaint, due to that I think that you must be

    overworked.

    Haven't you seen how fine the weather is today, you should have a

    day off in the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:


    Dear Mr

    Ribsskog


    Thank you for your

    e-mails


    As previously advised I am not going to

    debate with you the working hours of this

    office.


    I have written to you today to advise the

    steps we are taking with your complaint. If the firm fail to resolve the

    situation for you, your complaint will be passed onto our adjudication

    area for further consideration of the concerns you have

    raised.


    I should add that

    we do not tolerate rude or insulting language at this

    office
    , and would expect any further communication to be sent in

    a more acceptable manner.


    Kind Regards


    Rose Cox


    team manager



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

    Sent: 28 June 2009 10:43

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the

    business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the

    business-e-mails when they are drunk, which is what has happened today,

    with our correspondence.

    If this is something, you didn't know from before, then I think

    this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I must admit to being surprised and

    confused with the content of the

    e-mail
    .

    We are an extremely busy department and we often

    work at the weekends, this is obviously of help

    to consumers as we are able to deal with their complaints in

    a more timely manner. I would suggest that

    It is entirely up to each individual business to

    determine which hours their staff will work and I do not intend

    debating this with you.

    By working this weekend I have been able to deal

    with your complaint, which as you can appreciate is of a benefit to

    you.

    Perhaps you can clarify the spelling mistakes you

    are referring to?

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to

    send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then

    you think?

    This is what it says on Wikipedia:

    In

    the United

    States
    and United Kingdom, the hours between 9 am and 5 pm are typically considered to be standard

    business hours



    I

    think this is rather akward, as I also think your spelling-mistakes

    are.


    Sincerely,


    Erik

    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out

    that we are not a government department, we are a independent

    complaints body.

    I will be in touch with your again in the next

    few days

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government

    in Norway, work on Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway

    any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not

    a joke, I am currently in the office working

    today.

    I presume that

    you would like us to deal with your complaint, so am responding to

    your e-mails

    today

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 07:36
    To: Cox, Rosemary
    Subject: Re:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the

    way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    I will contact

    you again once I have considered the

    information.

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 27

    June 2009 14:59
    To: Cox, Rosemary
    Subject:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the

    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at

    RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog',

    even if my name

    is Erik, and in Britain, you have a movie called 'Erik the

    Viking', and Eric is

    also a quite usual name, in English-speaking

    countries.

    So I think Yvonne Williams, the complaint-investigator,

    also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the

    way that RBS,

    gave me the bonus of £100, for moving my account to them,

    from Barclays,

    (who I also had problems with, that I'll exlain about to

    your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale

    St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it

    didn't look anything at all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with

    other financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to

    banks, perhaps someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and

    I'll also find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message

    ———-
    From: Williams, Yvonne

    (CRU)
    <Yvonne.Williams@rbs.co.uk>
    Date:

    Tue, Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier

    e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be

    sent to me for my investigation

    Regards

    Yvonne Williams


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 June

    2007 14:04
    To: Williams, Yvonne

    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message

    originates from the Internet ***


    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail,

    because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the

    e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal

    Bank of Scotland plc, Registered in Scotland No. 90312.

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    United Kingdom. Registered as a limited company in England and Wales No.

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    by virus detection software before transmission. You should carry out your own

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    any loss or damage which may be caused by software viruses or by interception

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  • Jeg sendte en purring til EFTA, siden jeg synes at de nok tulla en del, da de henviste meg til Solvit og ikke til EU-kommisjonen. (In Norwegian)







    Google Mail – Purring/Fwd: Klage på EFTA (Linda Bjørk Sigurdardottir fra Island)







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Purring/Fwd: Klage på EFTA (Linda Bjørk Sigurdardottir fra Island)





    Erik Ribsskog

    <eribsskog@gmail.com>





    Fri, Jul 24, 2009 at 7:42 PM





    To:

    mail.gva@efta.int



    Hei,

    jeg kan ikke se at jeg har mottatt noe svar på denne e-posten, derfor sender jeg denne purringen.
    Mvh.
    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2009/5/29
    Subject: Klage på EFTA (Linda Bjørk Sigurdardottir fra Island)

    To: mail.gva@efta.int

    Hei,

    jeg kontaktet EFTA, for å få vite hvordan man formelt klagde på brudd på EØS-

    avtalten.

    Og da sender jeg en e-post på norsk.

    Og jeg får et svar på engelsk fra Sigurdardottir.

    Men hun sender meg til Solvit Norway, men, det er EU-kommisjonen det, som man

    skal kontakte da, hvis man ønsker å klage, som jeg ville, formelt, på

    brudd på EØS-

    avtalen.

    Jeg googlet forresten hun Sigurdardottir, og hun skriver navnet sitt i

    upper-case, og

    hun så litt ut som sånne djeveldyrkere/kabalister, på Facebook, som

    jeg har i familien,

    som tuller med meg, sånn at jeg måtte flytte til England.

    Illuminati/djeveldyrkere osv., er det jeg tenker på.

    Så jeg lurer på om dere kan undersøke om det var noe fusk inne i

    bildet, fra nevnte

    Sigurdardottir, når hun sendte meg til Solvit Norway, og ikke til

    EU-kommisjonen.

    Og hvorfor fikk jeg ikke svar fra dere på norsk, når jeg skrev på

    norsk, sånn har vel

    EU det f.eks. at hvis man skriver på et av medlemslandenes (Norges)

    språk, så får man

    svar på sitt eget språk (norsk).

    Med vennlig hilsen

    Erik Ribsskog






  • EU-kommisjonen hadde visst kontor i Norge. Det var jeg ikke klar over. (In Norwegian)







    Google Mail – Videre formidling af klage på brud på EØS-aftalen







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Videre formidling af klage på brud på EØS-aftalen





    eu-dk@ec.europa.eu

    <eu-dk@ec.europa.eu>





    Fri, Jul 24, 2009 at 1:38 PM





    To:

    eribsskog@gmail.com



    Kære Erik Ribsskog,

    Europa-Kommissionens Repræsentation I Danmark har modtaget vedhæftede

    mail den 23. juli 2009.

    Vi har d.d. videreformidlet skrivelsen til Europakommisjonens delegasjon til Norge og Island, Klingenberggaten 7A, 0119 Oslo. Tel: +47 22 83 35 83. Fax: +47 22 83 40 55. europakommisjonen@ec.europa.eu

    Med venlig hilsen

    Anette Pedersen

    Europa-Kommissionen

    Repræsentation i Danmark

    Gothersgade 115,1123 København K

    T: 33 14 41 40

    M: anette.pedersen@ec.europa.eu

    www.ec.europa.eu/danmark

    ———- Forwarded message ———-
    From: <eribsskog@gmail.com>
    To: <eu-dk@ec.europa.eu>
    Date: Thu, 23 Jul 2009 22:09:02 +0200
    Subject: Klage på brudd på EØS-avtalen fra EU/Fwd: Brudd på EØS-avtalen/Fwd: Klage på vedtak med referanse 200803597-18/JOR
    Hei,

    jeg vil altså klage på brudd på EØS-avtalen, fra EU.

    Solvit sier at da må jeg kontakte EU-kommisjonen.

    Derfor kontakter jeg dere på e-post igjen nå.

    Hvordan skal jeg gå fram, for å praktisk klage på EU for brudd på

    EØS-avtalen?

    Med vennlig hilsen

    Erik Ribsskog

    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: 2009/5/28

    Subject: Brudd på EØS-avtalen/Fwd: Klage på vedtak med referanse

    200803597-18/JOR

    To: eu-dk@ec.europa.eu

    Hei,

    jeg fikk e-post fra Solvit Norway, idag, hvor de sier at det er

    EU-kommisjonen, som man må kontakte for å klage formelt på brudd på

    EØS-avtalen:

    ‘Solvit Norway <Solvit.norway@nhd.dep.no>

    toErik Ribsskog <eribsskog@gmail.com>

    dateThu, May 28, 2009 at 7:46 AM

    subjectSV: Henvendelse om brudd på EØS-avtalen

    mailed-bynhd.dep.no

    hide details 7:46 AM (8 hours ago)

    Reply

    Hei igjen,

    EFTAs overvåkingsorgan kontrollerer at EFTA-EØS-statene, altså Norge,

    Island og Lichtenstein, overholder EØS-avtalen. Når det gjelder

    EU-statenes brudd på EØS-avtalen er det Kommisjonen som fører tilsyn

    med dette.

    Nærings- og handelsdepartementet er ansvarlig for drift av

    SOLVIT-systemet i Norge.

    Vennlig hilsen

    Jostein Røynesdal

    SOLVIT Norway

    Nærings- og handelsdepartementet

    Besøk oss på www.nhd.no

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

    Sendt: 27. mai 2009 17:15

    Til: Solvit Norway

    Emne: Re: Henvendelse om brudd på EØS-avtalen

    Hei,

    men skal jeg sende det til EU da, jeg er jo fra et EFTA-land?

    Vennligst forklar.

    Og hvorfor svarer ikke Nærings- og handelsdepartementet?

    Igjen på forhånd takk for forklaring.

    Med vennlig hilsen

    Erik Ribsskog

    2009/5/27 Solvit Norway <Solvit.norway@nhd.dep.no>

    Det vises til henvendelser per e-post 5. og 26. mai om mulig brudd på

    EØS-avtalen. Dersom du mener at britiske myndigheter har brutt

    EØS-avtalen, kan du sende en henvendelse til EU-kommisjonen.

    Vennlig hilsen

    Jostein Røynesdal

    SOLVIT Norway

    Nærings- og handelsdepartementet

    Besøk oss på www.nhd.no

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

    Denne e-posten er beregnet for den institusjon eller person den er

    rettet til og kan være belagt med lovbestemt taushetsplikt. Dersom

    e-posten er feilsendt, vennligst slett den og kontakt Nærings- og

    handelsdepartementet.

    This email is confidential and may also be privileged. If you are not

    the intended recipient please notify the Ministry of Trade and

    Industry, Norway, immediately.’.

    Så lurer jeg, hvis jeg ønsker å klage på brudd på EØS-avtalen, fra

    Storbritannia, (se videresendt e-post. Det er også en klage til, og

    det er at politiet i Storbritannia, ikke ville hjelpe meg, da jeg ble

    jaget fra Norge, i 2005, (av noen organiserte kriminelle/mafia etc.,

    enda jeg ikke er kriminell selv), og dro til Liverpool.

    Jeg lurte på hvem jeg skal kontakte i EU-kommisjonen, angående dette.

    Jeg tenkte jeg kunne sende dette til EU-kommunisjonen i Danmark, siden

    det danske og norske skriftspråket er ganske likt,

    og min mormor er også fra Danmark så, Ingeborg Ribsskog.

    Håper dette er i orden!

    Med vennlig hilsen

    Erik Ribsskog

    ———- Forwarded message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: 2009/1/21

    Subject: Klage på vedtak med referanse 200803597-18/JOR

    To: postmottak@nhd.dep.no

    Hei,

    jeg mottok et brev fra dere igår, hvor jeg syntes det manglet litt på

    fornuften, hvis jeg skal være litt ærlig.

    Jeg skal prøve å forklare hva jeg mener.

    Dere skriver:

    ‘Det er ikke godgjort i tidligere korrespondanse med SOLVIT at det

    foreligger brudd på en konkret rettighet

    etter EØS-avtalen i skaen. Derfor er det ikke grunnlag for eller mulig

    å opprette en SOLVIT-sak mot britiske

    myndigheter’.

    Men da måtte vel Solvit ha bedt om dokumentasjon, så skulle jeg ha gitt det.

    Solvit ba ikke om dokumentasjon, de ville bare ha en forklaring.

    Og Solvit Norway tok kontakt med Solvit UK.

    Så bestemte Solvit Norway seg for å ikke opprette en sak.

    Solvit Norway burde ha bedt om mer dokumentasjon da.

    Det som har skjedd, er at Solvit Norway oppfører seg som en

    underavdeling av Solvit UK.

    De bare gjør som britene sier, og dere hos Handels og

    Næringsdepartementet, dere fremstiller det som

    at det ikke er godtgjort, at det har forekommet brudd på EØS-avtalen.

    Men hvorfor tok Solvit Norway kontakt med Solvit UK da?

    Solvit Norway var jo fornøyde de.

    Hva skal jeg gjøre nå?

    Skal jeg kontakte Solvit Norway på nytt?

    Jeg synes dette minner om knefall for britene.

    Dette er bare tull og tøys og surr fra dere i Handels- og

    Næringsdepartementet.

    Dere kan ikke si at det manglet grunnlag for å opprette en sak, når

    Solvit Norway ringte Solvit UK, for å

    opprette en sak.

    Det var Solvit UK som bestemte at det ikke var grunnlag for å opprette en

    sak.

    Jeg klager til dere på at Solvit Norway lar britene få bestemme dette,

    hva som er grunnlag for å opprette

    en sak, eller ikke.

    Det burde ikke være sånn, at Solvit Norway sier til meg, at de skal

    undersøke det.

    Så ringer de britene, også sier de at det ikke har skjedd noe galt.

    Nei, det burde være sånn, at Solvit Norway, bestemmer seg for å opprette en

    sak.

    Og så oppretter de en sak.

    Det burde ikke være sånn at de ombestemmer seg, etter å ha pratet med

    britene, som om britene hos Solvit

    UK, var sjefene til han hos Solvit Norway.

    Handels- og Næringsdepartementet sorterer vel ikke under den britiske

    regjeringen?

    Det kan virke sånn i denne saken.

    Jeg mener at jeg kan godtgjøre regelbrudd, men jeg har fått sjangsen til

    dette.

    For saken ble avsluttet, før det kom til snakk om noe dokumentasjon.

    Jeg vil at dere:

    1. Undersøker hva som skjedde, da Solvit UK overprøvde Solvit Norways

    bestemmelse

    om å opprette en Solvit-sak.

    2. Forteller meg hvordan jeg skal gå frem, for å opprette Solvit-saker

    av problemene jeg

    kan dokumentere:

    – Britisk politi nekter å la meg anmelde en arbeidssak mot Bertelsmann

    Arvato, enda

    jeg har dokumentasjon på at det har foregått lovbrudd der.

    – IPCC, de svarer ikke på e-poster og telefoner, de lar meg ikke få

    behandlet min klage

    på Merseyside-politiet.

    – The Home Office, de nekter meg å få levere en klage på at IPCC ikke

    svarer på e-poster

    og heller ikke returner telefoner, enda IPCC sorterer under the Home

    Office administrativt.

    Jeg mener at jeg som EØS-borger, har rett til å anmelde klare

    lovbrudd, som jeg har

    bevis for.

    Og jeg har også rett til å anmelde politiet til IPCC, og få den klagen

    behandlet på en

    ordentlig måte.

    Og jeg har også de samme rettigheter som EU-borgere, til å få en klage på

    IPCC

    ikke administreres ordentlig, behandlet av the Home Office, så lenge

    jeg oppholder

    meg i Storbritannia, i overenstemmelse med EØS-avtalen.

    Så her er det klare brudd på EØS-avtalen, mener jeg.

    Jeg har også blitt latterliggjort av britisk politi, som kaller meg

    ‘Miss Erik Ribsskog’,

    og som kaller bevis jeg ga dem mot Bertelsmann Arvato, ‘found property’,

    enda

    jeg leverte det over skranken til en konstabel Steele, hos

    Merseyside-politiet.

    Så det er tydelig at respekten for EØS-borgere, hos britisk politi,

    den er på et lavmål.

    Her blir man bare tullet rundt med, siden man ikke er britisk eller

    EU-borger.

    Og EFTA bare henviser meg til Solvit.

    Og Solvit, de bare bøyer seg for britene.

    Så det er tydelig at norske myndigheter underordner seg britene, og

    lar sine borgere

    bli hersjet med her borte.

    Så den EØS-avtalen er ikke verdt papiret den er skrevet på.

    Det er bare noe lureri hele greiene.

    Det er ingen kompetente organer som passer på at den overholdt uansett.

    Så at Norge skal betale milliarder til EU hvert år, som motstykke mot

    å få den avtalen,

    det skjønner ikke jeg.

    Det må bare være for firmaer at den avtalen gjelder.

    Vanlige norske borgere er ihvertfall fritt vilt i praksis, i EU, og

    blir tullet rundt med, uten

    at noen i Norge reagerer.

    Så det synes jeg er en skam.

    Med hilsen

    Erik Ribsskog






  • The Financial Ombudsman vil ikke svare, på hvorfor deres ansatte må jobbe på søndagsmorgenene. Her er det nok noe muffens. (In Norwegian)







    Google Mail – Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail





    Collins, Jackie

    <jackie.collins@financial-ombudsman.org.uk>





    Fri, Jul 24, 2009 at 10:42 AM





    To:

    Erik Ribsskog <eribsskog@gmail.com>




    Dear Mr Ribsskog

    I believe I have answered all of your questions in my

    previous email, and I am not prepared to enter into any further discussions

    regarding this matter.

    Please feel free to email me however, if you have any

    queries regarding your complaint.


    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117


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

    Sent: 23 July 2009 22:23
    To: Collins,

    Jackie
    Subject: Reminder/Fwd: Complaint against RBS/Fwd: Earlier

    e-mail


    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm trying

    to send it again.

    Best Regards,

    Erik Ribsskog

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

    Wed, Jul 1, 2009 at 2:18 PM
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail
    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    I think I have the right to know this, when your representatives send me

    e-mails at

    seven o'clock, on a Sunday morning.

    I think you should send your business e-mails within the

    business-hours, and I'm

    conserned about how you treat your staff, and I've contacted Acas about

    this.

    If you do not expect your staff to work 12-14 hours a week, seven days a

    week,

    then why are the working on a Sunday morning at six o'clock.

    People are going to think that your representatives are some kind of

    slaves, if

    they have to work at the time of the week, when the other people in

    England,

    are on their way back from the pub.

    If people get e-mails at this hour, they are going to start writing answers

    while

    they are still drunk.

    This sounds insane to me, to have people working, at six o'clock, on a

    Sunday

    morning, answering e-mails that they could have answered on a Monday.

    You have to pay them overtime, for work they just as well could have

    done on

    a week-day.

    Your institution is extreamly poorly managed, and you are wasting the

    tax-

    payers money, with all the unessesary over-time.

    I think there is a law in this country saying that Government should have

    openness,

    so I think you should explain what the reason for your very strange and

    akward

    working-hours are.

    Sincerely,

    Erik Ribsskog

    On Wed, Jul 1, 2009 at 9:34 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank you

    for your email.

    You will

    excuse me for not going into the finer details of our staffing working hours

    and holiday allowance. I will however, reassure you we certainly

    do not expect or allow our staff to work 12 to 14 hours a day 7 days a

    week.

    Regards

    Jackie

    Collins

    Operations Manager
    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964 0117



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

    Sent: 30 June 2009

    16:31

    To: Collins, Jackie
    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    Monday to Friday, 8 am to 6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you overload your representatives with work, and that

    they have to

    work 12 to 14 hours 7 days a week.

    I thought slavery was forbidden in our time.

    Why do you let your representatives work every Sunday morning, when other

    people in

    England are on their way home from the pub?

    Do your staff get summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and

    sometimes that means offering our staff the option of working overtime

    during very busy periods.

    Please

    be assured that they have to work within strict time guidelines, and these

    are always checked by Operations Managers to ensure they are not working too

    many hours.

    The

    service our department offers is outside of the usual office hours of

    9am till 5pm because we have found that a lot of our customers have

    difficulties contacting us whilst they are at work themselves during the 9am

    to 5pm times, so we have opening hours of 8am – 6pm, as do many firms

    these days.

    I hope

    this explains.

    Regards

    Jackie

    Collins

    Operations Manager

    Direct

    Dial : 020 7964 0116

    Direct Fax: 020 7964

    0117



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

    Sent: 29 June 2009

    19:32
    To: Collins, Jackie

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Ok,

    that sound very fine!

    But, why is that you let your representatives work over-time every

    Sunday then?

    Shouldn't you as a main rule conduct your business, within the

    business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie

    <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear

    Mr Ribsskog

    Rosemary Cox has passed your complaint to me to take over as

    you have requested that she no longer deals with your

    case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that

    they issue you with a final response letter within 14 days. We have

    also asked them to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a

    response from them within 14 days, please let me know and I will arrange

    for your complaint to be moved forward for investigation by an

    Adjudicator.

    Regards

    Jackie Collins
    Operations

    Manager

    Direct Dial : 020 7964

    0116

    Direct Fax: 020 7964

    0117


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

    Sent: 28 June 2009 11:17
    To: Cox,

    Rosemary
    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi,

    I don't think it's any use with me repeating myself.

    I don't think you should handle my complaint.

    The reason is, that if you are to overworked, you get to

    tired.

    And in dealing with complaints like these, one obviously needs ones

    judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I

    don't think this is good for how the

    complaint is being dealt with.

    So please do as I ask Mrs .Cox, and tell your manager what I

    said, that I want someone else

    to deal with my complaint, due to that I think that you must be

    overworked.

    Haven't you seen how fine the weather is today, you should have a

    day off in the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:


    Dear Mr

    Ribsskog


    Thank you for your

    e-mails


    As previously advised I am not going to

    debate with you the working hours of this

    office.


    I have written to you today to advise the

    steps we are taking with your complaint. If the firm fail to resolve the

    situation for you, your complaint will be passed onto our adjudication

    area for further consideration of the concerns you have

    raised.


    I should add that

    we do not tolerate rude or insulting language at this

    office
    , and would expect any further communication to be sent in

    a more acceptable manner.


    Kind Regards


    Rose Cox


    team manager



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

    Sent: 28 June 2009 10:43

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the

    business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the

    business-e-mails when they are drunk, which is what has happened today,

    with our correspondence.

    If this is something, you didn't know from before, then I think

    this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I must admit to being surprised and

    confused with the content of the

    e-mail
    .

    We are an extremely busy department and we often

    work at the weekends, this is obviously of help

    to consumers as we are able to deal with their complaints in

    a more timely manner. I would suggest that

    It is entirely up to each individual business to

    determine which hours their staff will work and I do not intend

    debating this with you.

    By working this weekend I have been able to deal

    with your complaint, which as you can appreciate is of a benefit to

    you.

    Perhaps you can clarify the spelling mistakes you

    are referring to?

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against RBS/Fwd: Earlier

    e-mail

    Hi again,

    don't you think it's strange for an institutions like yours to

    send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then

    you think?

    This is what it says on Wikipedia:

    In

    the United

    States
    and United Kingdom, the hours between 9 am and 5 pm are typically considered to be standard

    business hours



    I

    think this is rather akward, as I also think your spelling-mistakes

    are.


    Sincerely,


    Erik

    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary

    <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    That's no problem, however I should point out

    that we are not a government department, we are a independent

    complaints body.

    I will be in touch with your again in the next

    few days

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint

    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm just home from town you see.

    I thought it was a bit strange, since noone in Government

    in Norway, work on Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway

    any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your e-mail

    I can assure you this is not

    a joke, I am currently in the office working

    today.

    I presume that

    you would like us to deal with your complaint, so am responding to

    your e-mails

    today

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 28

    June 2009 07:36
    To: Cox, Rosemary
    Subject: Re:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the

    way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox,

    Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    I will contact

    you again once I have considered the

    information.

    Kind Regards

    Rose Cox

    team manager



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

    Sent: 27

    June 2009 14:59
    To: Cox, Rosemary
    Subject:

    Complaint against RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I'll contact your collegue back, regarding the

    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at

    RBS, but she

    also harassed me, like this, she writes 'Dear Ms Ribsskog',

    even if my name

    is Erik, and in Britain, you have a movie called 'Erik the

    Viking', and Eric is

    also a quite usual name, in English-speaking

    countries.

    So I think Yvonne Williams, the complaint-investigator,

    also bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the

    way that RBS,

    gave me the bonus of £100, for moving my account to them,

    from Barclays,

    (who I also had problems with, that I'll exlain about to

    your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale

    St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it

    didn't look anything at all

    like the ones you've sent me now.

    Maybe the complaint-form I was sent, was to do with

    other financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to

    banks, perhaps someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and

    I'll also find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message

    ———-
    From: Williams, Yvonne

    (CRU)
    <Yvonne.Williams@rbs.co.uk>
    Date:

    Tue, Jun 26, 2007 at 4:30 PM
    Subject: RE: Earlier

    e-mail
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms Ribsskog

    Could you please arrange another copy of your email to be

    sent to me for my investigation

    Regards

    Yvonne Williams


    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 June

    2007 14:04
    To: Williams, Yvonne

    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message

    originates from the Internet ***


    Hi,

    I'm refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail,

    because I cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the

    e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal

    Bank of Scotland plc, Registered in Scotland No. 90312.

    Registered Office: 36 St Andrew Square, Edinburgh EH2

    2YB

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    This email has originated from the Financial

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    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,

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    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

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  • The Independent Case Examiner skulle kikke på klagen mot the Jobcenter. (In Norwegian)







    Google Mail – FW: Complaint about Mrs. Henderson at the Williamsons Sq. jobcenter in Liverpool







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    FW: Complaint about Mrs. Henderson at the Williamsons Sq. jobcenter in Liverpool





    DWP ICE gateway team

    <ICE@dwp.gsi.gov.uk>





    Fri, Jul 24, 2009 at 10:41 AM





    To:

    eribsskog@gmail.com




    Dear Mr Ribsskog

    Thank you for your email of 23 July 2009.

    As you have advised that you have not yet received a response to

    your complaint, we will register your
    complaint about Job Centre Plus accordingly.

    However before we are able to do this, I would be grateful

    if you could provide the following information.

    Your National Insurance Number,

    your full postal

    address;

    a telephone number where we

    may contact you.

    Once we have received this information, we will continue to

    register your complaint.

    Yours sincerely

    Nicky Smith

    Independent Case Examiner's

    Office

    —–Original Message—–
    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]
    Sent: 23 July 2009 16:37
    To:

    DWP ICE gateway team
    Subject: Fwd: FW: Complaint about Mrs.

    Henderson at the Williamsons Sq. jobcenter in

    Liverpool

    Hi,

    the jobcenter haven't replied to this complaint at all, so I think this

    complaint-case, should be

    treated by you, at the Independent Case Examiner, since the

    Jobcenter have failed to follow

    the complaint-procedure.

    And when I go to the jobcenter, I have to have meetings with Mrs.

    Henderson, and she's taking

    phone-calls to me, even I've complained about her.

    So I think this is so poor standards from the Jobcenter, so I'm

    sending this to you, at the

    Independant Case Examiner, to hear what I should do, when the

    Jobcenter-manager, don't deal

    with the complaint at all.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Monkhouse Alison JCP CLYDEBANK SOUTH AVENUE <ALISON.MONKHOUSE@jobcentreplus.gsi.gov.uk>
    Date:

    Wed, May 27, 2009 at 5:00 PM
    Subject: FW: Complaint about Mrs. Henderson at

    the Williamsons Sq. jobcenter in Liverpool
    To: eribsskog@gmail.com
    Cc: Hart Colette

    JCP WILLIAMSON SQUARE <COLETTE.HART@jobcentreplus.gsi.gov.uk>

    Good

    afternoon Mr Ribsskog,

    I received

    your e-mail today and am seeking to involve the Jobcentre Manager in the

    response. You should have this within 10 days.

    Regards


    Alison

    Monkhouse

    Operations

    Manager

    Employer

    Direct

    Clydebank

    tel 0141 435

    6015

    alison.monkhouse@jobcentreplus.gsi.gov.uk

    P Save Paper – Do

    you really need to print this e-mail?

    —–Original

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

    Sent: 27 May 2009 05:40
    To: Employer Direct

    Vacancies
    Subject: Complaint about Mrs. Henderson at the Williamsons

    Sq. jobcenter in Liverpool

    Hi,

    I was at 26 week review meeting, at the Williamsons Sq. jobcenter, in

    Liverpool,

    on Thursday last week.

    This incident has been runing a bit in the back of my head, since

    then.

    Now I think that I should send a complaint about what happened in the

    meeting,

    since I was a bit intimidated, by Mrs. Henderson.

    I thought that the meeting had ended a couple of times, because there

    were

    several things that was being gone through, in the meeting, in

    several

    bulks.

    There were several things on the agenda in the meeting, but I didn't

    have the

    agenda, so I a couple of times, thought that the meeting was over.

    But then Mrs. Henderson said that, if I did that again she was going to

    show

    me what she did to men, who didn't do like she said.

    I've been having this in the back of my head.

    And Mrs. Henderson also found jobs that where low paid, for me, and

    that weren't

    full-time, and that were in Southport, and places like that, even if I

    have a good

    education and am an experienced manager.

    So I also think this seemed aquard.

    But the main complaint is that Mrs. Henderson intimidated me, and

    threatened me,

    and told me that I had to sit down, or else she was going to tell me what

    she

    did with men that didn't do like she said.

    I think Mrs. Henderson went to far with this comment.

    Both of us in the meeting were adult, and even if I'm unemployed at

    the moment,

    I don't think I should accept being threated condesending, or

    patronised.

    So I think there are some under-laying feelings or something, that makes

    Mrs.

    Henderson not threat me objective, in the meetings.

    Or at least that's how it seems to me.

    So I think that I should send a complaint about this, since now I'm not

    looking forward

    to meeting Mrs. Henderson again, since she acted out of line, I have to

    say, in the

    meeting, for some reason.

    So I hope you can check out what this was about, because I don't

    people should

    accept to be threated poorly, just because they are unemployed at a

    specific

    moment.

    Yours sincerely,

    Erik Ribsskog

    This email was received from the INTERNET and

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    Communications via the GSi may be

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    purposes.

    **********************************************************************
    
    This document is strictly confidential and is intended only for use by the addressee.
    If you are not the intended recipient, any disclosure, copying, distribution or other
    action taken in reliance of the information contained in this e-mail is strictly prohibited.
    Any views expressed by the sender of this message are not necessarily those of the Department
    for Work and Pensions.
    If you have received this transmission in error, please use the reply function to tell us
    and then permanently delete what you have received.
    Please note: Incoming and outgoing e-mail messages are routinely monitored for compliance
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  • Det gikk visst ikke ann å ta opp problemene hos the Financial Ombudsman med Acas, pr. e-post, man måtte visst ringe. (In Norwegian)







    Google Mail – Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail







    Google Mail



    Erik Ribsskog

    <eribsskog@gmail.com>




    Reminder/Fwd: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd: Earlier e-mail





    Natalie Bodden

    <NBodden@ecgroup.co.uk>





    Fri, Jul 24, 2009 at 9:42 AM





    To:

    Erik Ribsskog <eribsskog@gmail.com>




    Unfortunately we are unable to advice on this query via

    email; this facility is solely for ordering hard copy Acas publications. Please

    call the Acas helpline on 08457 47 47 47

    to speak to a trained advisor.

    Alternatively, please visit the Acas website at www.acas.org.uk,

    there

    is a search option on the homepage where you may type in key words. This

    search will bring up all publications that cover this subject. The website will

    list the publications available and all prices (although some are free). From

    there, you can order through the website using a credit card (if you are

    ordering priced publications) or, you can e-mail me with the stock codes,

    quantities and a delivery address. I will order the publications for you the

    same day.

    Kind regards,

    Natalie Bodden

    Account Executive

    +44 (0) 20 8867 3324

    nbodden@ecgroup.co.uk

    www.ecgroup.co.uk

    —–Original Message—–

    From: Erik Ribsskog

    [mailto:eribsskog@gmail.com]

    Sent: 23 July 2009 22:27

    To: ACAS-01

    Subject: Reminder/Fwd: The

    Finacial Ombudsman, using staff as slaves/Fwd: Complaint against RBS/Fwd:

    Earlier e-mail


    Hi,

    I can't see that I've received an answer to this e-mail yet, so I'm sending you

    this reminder.

    Best Regards,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:48 PM

    Subject: The Finacial Ombudsman, using staff as slaves/Fwd: Complaint against

    RBS/Fwd: Earlier e-mail

    To: acas@eclogistics.co.uk

    Hi,

    I've contacted you

    earlier, about that I was being used as a slave, and that

    they had illigal

    management methods, at Bertelsmanns Scand. Microsoft-activation,

    in Liverpool.

    Now, people at the

    Financial Ombudsman, are also being used as slaves, it seems.

    Or this could be connected with a cover-up, of the Bertelsmann/Microsoft-case,

    that

    I am being bullied by

    Government, to cover up what went on there.

    Please send this e-mail

    to the right people in Acas.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded

    message ———-

    From: Erik Ribsskog <eribsskog@gmail.com>

    Date: Tue, Jun 30, 2009 at 4:31 PM

    Subject: Re: Complaint against RBS/Fwd: Earlier e-mail

    To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk>

    Hi,

    Monday to Friday, 8 am to

    6 pm, is alright, I think.

    But you also let your staff work Sunday mornings, at 6 am.

    It seems to me that you

    overload your representatives with work, and that they have to

    work 12 to 14 hours 7

    days a week.

    I thought slavery was

    forbidden in our time.

    Why do you let your

    representatives work every Sunday morning, when other people in

    England are on their way

    home from the pub?

    Do your staff get

    summer-holiday at all?

    Sincerely,

    Erik Ribsskog

    On Tue, Jun 30, 2009 at

    9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    We

    always try to provide the best service we can to our customers, and sometimes

    that means offering our staff the option of working overtime during very busy

    periods.

    Please

    be assured that they have to work within strict time guidelines, and these are

    always checked by Operations Managers to ensure they are not working too many

    hours.

    The

    service our department offers is outside of the usual office hours of 9am

    till 5pm because we have found that a lot of our customers have difficulties

    contacting us whilst they are at work themselves during the 9am to 5pm times,

    so we have opening hours of 8am – 6pm, as do many firms these days.

    I hope this

    explains.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 29 June

    2009 19:32

    To: Collins, Jackie

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Ok,

    that sound very fine!

    But, why is that you let

    your representatives work over-time every Sunday then?

    Shouldn't you as a main rule conduct your business, within the business hours?

    Yours sincerely,

    Erik Ribsskog

    On Mon, Jun 29, 2009 at

    3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Rosemary

    Cox has passed your complaint to me to take over as you have requested that she

    no longer deals with your case.

    I can

    confirmed that a letter has been sent to the firm, and we have asked that they issue

    you with a final response letter within 14 days. We have also asked them

    to copy us in on that response.

    If you

    remain unhappy with the firms response, or you have not received a response

    from them within 14 days, please let me know and I will arrange for your

    complaint to be moved forward for investigation by an Adjudicator.

    Regards

    Jackie Collins

    Operations

    Manager

    Direct

    Dial : 020 7964 0116

    Direct

    Fax: 020 7964 0117




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

    Sent: 28 June 2009 11:17

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    I don't think it's any

    use with me repeating myself.

    I don't think you should

    handle my complaint.

    The reason is, that if you are to overworked, you get to tired.

    And in dealing with

    complaints like these, one obviously needs ones judgement, to be like

    it should be.

    If one are out of balance, like I think you could be, then I don't think this

    is good for how the

    complaint is being dealt

    with.

    So please do as I ask Mrs .Cox, and tell your manager what I said, that I want

    someone else

    to deal with my

    complaint, due to that I think that you must be overworked.

    Haven't you seen how fine the weather is today, you should have a day off in

    the fine weather,

    I think.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr Ribsskog

    Thank you for your

    e-mails

    As previously advised I

    am not going to debate with you the working hours of this office.

    I have written to you

    today to advise the steps we are taking with your complaint. If the firm fail

    to resolve the situation for you, your complaint will be passed onto our

    adjudication area for further consideration of the concerns you have raised.

    I should add that we do

    not tolerate rude or insulting language at this office, and would expect any

    further communication to be sent in a more acceptable manner.

    Kind Regards

    Rose Cox

    team manager




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:43

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    of course you can work on

    Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what's going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails

    when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn't know from before, then I think this Financial

    Ombudsman-stuff is just a load of crap really.

    Try to use the head that

    God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I must

    admit to being surprised and confused with the content of the e-mail.

    We are

    an extremely busy department and we often work at the weekends, this is

    obviously of help to consumers as we are able to deal with their

    complaints in a more timely manner. I would suggest that It is entirely

    up to each individual business to determine which hours their staff will work

    and I do not intend debating this with you.

    By

    working this weekend I have been able to deal with your complaint, which as you

    can appreciate is of a benefit to you.

    Perhaps

    you can clarify the spelling mistakes you are referring to?

    Kind

    Regards

    Rose Cox

    team

    manager




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 10:20

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi again,

    don't you think it's

    strange for an institutions like yours to send e-mails on Sunday mornings then?

    Shouldn't e-mails be sent within normal business hours then you think?

    This is what it says on

    Wikipedia:

    In

    the United States and United Kingdom, the hours between

    9 am and 5 pm are typically considered to be

    standard business hours

    I think

    this is rather akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    That's

    no problem, however I should point out that we are not a government department,

    we are a independent complaints body.

    I will

    be in touch with your again in the next few days

    Kind

    Regards

    Rose Cox

    team

    manager




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June

    2009 08:02

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    ok that's very fine, I'm

    just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway, work on

    Sundays.

    Sorry about this, I forget sometimes that I'm not in Norway any longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:54 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mail

    I can

    assure you this is not a joke, I am currently in the office working today.

    I

    presume that you would like us to deal with your complaint, so am responding to

    your e-mails today

    Kind

    Regards

    Rose Cox

    team

    manager




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 28 June 2009 07:36

    To: Cox, Rosemary

    Subject: Re: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails

    early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at

    7:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>

    wrote:

    Dear Mr

    Ribsskog

    Thank

    you for your e-mails

    I will

    contact you again once I have considered the information.

    Kind

    Regards

    Rose Cox

    team

    manager




    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 27 June 2009 14:59

    To: Cox, Rosemary

    Subject: Complaint against

    RBS/Fwd: Earlier e-mail

    Hi,

    thank you for you e-mail,

    that I recieved today.

    I'll contact your collegue back, regarding the Barclays-complaint.

    I sent the complaint on

    RBS Dale St., to Yvonne Williams at RBS, but she

    also harassed me, like

    this, she writes 'Dear Ms Ribsskog', even if my name

    is Erik, and in Britain,

    you have a movie called 'Erik the Viking', and Eric is

    also a quite usual name,

    in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also bullied me.

    I think this must have

    been a deliberate mistake.

    This ended with the

    complaint being partly resolved, in the way that RBS,

    gave me the bonus of

    £100, for moving my account to them, from Barclays,

    (who I also had problems

    with, that I'll exlain about to your collegue, like I

    mentioned earlier).

    I'll also find the actual complaint against RBS Dale St. now, and forward it

    to you.

    What I meant with the complaint-form, was that it didn't look anything at all

    like the ones you've sent

    me now.

    Maybe the complaint-form I was sent, was to do with other financial

    institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other

    complaint-forms, other than to banks, perhaps someone

    sent me the wrong form

    intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I'll also find the actual

    RBS Dale St. complaint,

    and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———-

    Forwarded message ———-

    From: Williams, Yvonne (CRU) <Yvonne.Williams@rbs.co.uk>

    Date: Tue, Jun 26, 2007 at 4:30 PM

    Subject: RE: Earlier e-mail

    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Ms

    Ribsskog

    Could

    you please arrange another copy of your email to be sent to me for my

    investigation

    Regards

    Yvonne

    Williams




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

    Sent: 19 June 2007 14:04

    To: Williams, Yvonne (CRU)

    Subject: Earlier e-mail

    ***

    WARNING : This message originates from the Internet ***

    Hi,

    I'm refering to the

    e-mail I sent you on 5/6.

    I was just wondering if

    you have recieved this e-mail, because I cant see

    that I have recieved any

    answer to it yet.

    Please just contact me if

    you want me to send you the e-mail again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of Scotland plc, Registered in

    Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

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    Services Authority.

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    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.







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    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.







    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the intended

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    This e-mail and any attachments have been checked by

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    Unless otherwise indicated, this e-mail has no

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    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.







    This e-mail and any attachments are

    confidential and may be subject to legal privilege. If you are not the intended

    recipient, please notify the sender immediately and delete this e-mail and any

    attachment from your system. If you are not the intended recipient you must not

    copy, disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by

    virus detection software before transmission. You should carry out your own

    virus checks on the contents of this communication. We accept no liability for

    any loss or damage which may be caused by software viruses or by interception

    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no

    contractual effect and may only be used for the purpose(s) indicated in it. The

    statements and opinions expressed in this e-mail are those of the author and do

    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial

    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United

    Kingdom. Registered as a limited company in England and Wales No. 3725015.

    Registered office as above.







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