Please don’t ignore this message, we want to help you Your Lowell reference number is: 120143797
Hello Mr Erik Ribsskog, We’ve asked you to contact us about your outstanding account(s) several times, but we haven’t heard anything back. Please don’t ignore this email. We need you to either set up a payment plan online or call us to let us know how you’ll be paying your account(s). DownArrows You don’t even have to call us We appreciate that many people are uncomfortable talking about their money worries over the phone. With Lowell, you don’t need to. You can make payments and set up an affordable interest-free payment plan online. Set up a payment plan DownArrows Our payment plans are affordable and interest-free Many of our customers opt to set up an affordable interest-free payment plan. It’s a popular way to pay because it means you can spread your payments over a longer period so you’re not left short every month. Set up a payment plan DownArrows How do I start paying off my Lowell debt? 1. Work out how much you can afford to pay Use our budget calculator to see how much you can afford to pay. Budget calculator
2. Set up your personal interest-free payment plan You decide how much you can afford then set up your personal payment plan. It really is that simple. Get started now DownArrows Need help? Just call 0333 556 5700 to chat through your situation with one of our friendly agents. We’re here to listen, not judge. We promise we’ll try to help you overcome your debt troubles, not add to them.
If you want to see all of your accounts, please visit our app or website. DownArrows Free debt advice and information StepChange Debt Charity 0800 138 1111 stepchange.org
National Debtline 0808 808 4000 nationaldebtline.org
See what people say about us It's extremely embarrassing having to deal with debt over the phone. So, I love how you can do this online with Lowell. And easily change payments up or down to suit my situation. Also, I can see everything in one place. A very good service!
Beverley, GB. 20/02/2024 Trust pilot logo Trust pilot five star rating
We hold this e-mail address on your file and would like to use it to communicate with you. If you are not the person this email was intended for, please let us know and we will update our records.
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Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration Number 4857418, and Lowell Financial Ltd, Company Registration Number 4558936, are registered in England and Wales. Registered Office: No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.
This email is private and confidential and is intended solely for the named recipient of this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. We've taken reasonable precautions to ensure no viruses are present in this email, but we accept no responsibility or liability for any loss or damage arising out of or in connection with this email.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice at www.lowell.co.uk/our-privacy-promise explains how we use the personal data we collect and how you can exercise your data protection rights. If you would like a copy, please contact us.
Please don’t ignore this message, we want to help you Your Lowell reference number is: 120143797
Hello Mr Erik Ribsskog, We’ve asked you to contact us about your outstanding account(s) several times, but we haven’t heard anything back. Please don’t ignore this email. We need you to either set up a payment plan online or call us to let us know how you’ll be paying your account(s). DownArrows You don’t even have to call us We appreciate that many people are uncomfortable talking about their money worries over the phone. With Lowell, you don’t need to. You can make payments and set up an affordable interest-free payment plan online. Set up a payment plan DownArrows Our payment plans are affordable and interest-free Many of our customers opt to set up an affordable interest-free payment plan. It’s a popular way to pay because it means you can spread your payments over a longer period so you’re not left short every month. Set up a payment plan DownArrows How do I start paying off my Lowell debt? 1. Work out how much you can afford to pay Use our budget calculator to see how much you can afford to pay. Budget calculator
2. Set up your personal interest-free payment plan You decide how much you can afford then set up your personal payment plan. It really is that simple. Get started now DownArrows Need help? Just call 0333 556 5700 to chat through your situation with one of our friendly agents. We’re here to listen, not judge. We promise we’ll try to help you overcome your debt troubles, not add to them.
If you want to see all of your accounts, please visit our app or website. DownArrows Free debt advice and information StepChange Debt Charity 0800 138 1111 stepchange.org
National Debtline 0808 808 4000 nationaldebtline.org
See what people say about us It's extremely embarrassing having to deal with debt over the phone. So, I love how you can do this online with Lowell. And easily change payments up or down to suit my situation. Also, I can see everything in one place. A very good service!
Beverley, GB. 20/02/2024 Trust pilot logo Trust pilot five star rating
We hold this e-mail address on your file and would like to use it to communicate with you. If you are not the person this email was intended for, please let us know and we will update our records.
Calls from a landline will be charged at a local rate; mobile charges may vary.
Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration Number 4857418, and Lowell Financial Ltd, Company Registration Number 4558936, are registered in England and Wales. Registered Office: No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.
This email is private and confidential and is intended solely for the named recipient of this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. We've taken reasonable precautions to ensure no viruses are present in this email, but we accept no responsibility or liability for any loss or damage arising out of or in connection with this email.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice at www.lowell.co.uk/our-privacy-promise explains how we use the personal data we collect and how you can exercise your data protection rights. If you would like a copy, please contact us.
Erik Ribsskog <eribsskog@gmail.com> Complaint/Fwd: Your account hold period is ending Erik Ribsskog <eribsskog@gmail.com> 21. august 2025 kl. 12:41 Til: customer_services@lowellgroup.co.uk Kopi: post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no> Hi,
the problem is, I don't have access to my British bank-accounts at the moment.
I've tried calling RBS several times (some months ago) to do with this.
And I've also completed an RBS online identity-check.
But I still can't get into my account.
And I haven't got a valid RBS-Visa-card, due to that I haven't been living in the UK since 2017.
So my RBS-Visa-card expired in juni 2019 (i see here).
And I have updated my address with RBS.
But they haven't sent me a new Visa-card.
And I've called them three times (after the pandemic) about this.
And RBS are still being difficult (even if Barclays told me (in 2017) that it's usual to have update Visa-cards from ones British bank-accounts, even if one live abroad).
But neighter Barclays or RBS have any branches in Norway.
So I can't just visit them (like in Liverpool etc).
So this is a bit tricky.
I wanted to have a British Visa-card (that was valid) to try to get a British PayPal-account (with credit, unlike the Norwegian accounts).
But I haven't managed to get of them British credit-PayPal-accounts yet.
But I could pay £2 a month with my Norwegian Visa-card, if you tell me the URL, where I type the card-number and CVV-number, etc.
I can start paying these token-payments from 25th September.
(If that's ok).
And then the 25th every month, untill I get a job.
Or I could pay with my Norwegian PayPal-account (if you accept PayPal-payments).
When I go on weekend-trips etc. these days, I go to Denmark, Germany or Sweden.
I don't go to the UK anymore.
Because some internet-trolls starts swatting me when I live in the UK.
And the Merseyside-police and the Liverpool law firms and the courts in Liverpool.
They don't really understand what swatting is.
(Or they pretend not to understand).
They say I've been writing obscene e-mails to an Aintree-Jobcenter-staff (Sarah Bamber).
But I haven't.
It's the internet-trolls (who read my blog).
And then Sarah Bamber has called the Police about these emails, perhaps a hundred times.
And then the Police go on my door, and make hell.
And they have arrested me like ten times.
And then they always let me go (when the managers get to work).
But one court (in Liverpool) want's to punish me, for what the swatters are doing.
So I'm wondering what's going to happen, if I go the UK now.
I've lived in the UK for a total of ten years, but I'm not a British citizen (but still have my National Insurance Number etc.).
So I rather go to Denmark, Germany and Sweden on holidays (only very short/inexpensive cruises or bus-travel) now.
Due to mess with the 'idiots'/gorillas in the Merseyside police and law-firms and courts.
So that's why I don't get to visit eighter RBS or Barclays.
Due to that I'm afraid I'm going to be arrested if I go to the UK.
(Due to a murder of justice-case).
And the UK also now has a new rule.
Norwegians have to contact the UK, and get a type of visa, to travel to the UK.
And I'm not sure I'm going to get this new visa, due to the problems with the police and courts in Liverpool.
But if it's possible to pay the token-payments with my Norwegian visa-card (from Nordea) then I could just do that.
So please inform me about how I should go forward with paying the mentioned token-payments with my Norwegian Visa-card (or with my Norwegian PayPal-account).
Erik Ribsskog
PS.
I asked to get a reply from a manager/superior, about this debt.
I can't see that this has happened.
Please escalate to a superior now.
PS 2.
If you want, I could pay these token-payments to Lowell in Norway (your sister-company).
That would perhaps be easier.
Since they have a Norwegian bank-account-number, that I could pay (like 25 NOK to) each month, from my internet-banking (with Nordea).
I had a look at Nordeas web-site now.
And it says that it costs 350 NOK to send a payment outside of the EU.
That's around £30.
And then it's not really a token-payment (these are normally £1 Stepchange/CCCS told me, around 2010).
tor. 21. aug. 2025 kl. 11:26 skrev <customer_services@lowellgroup.co.uk>: Good morning,
Thank you for your email.
Responding to your query
Thank you for making us aware that you live in Norway. So that we have your details up to date, please can you provide us with your current address. Further correspondence will continue to be issued to the address we hold on our system, till we are notified of your current residence.
You have advised us that you are currently unemployed. Please can you advise us how you are covering your living costs?
Are you being financially supported by someone?
Are you in receive of any form of benefits or support?
You have advised to set up a token payment. We do need to make you aware that our standard payment amount is set at £2.00 per month, per account. Any payment plans that are set lower than this, will result in Lowell reviewing your circumstances in six months.
When we last communicated with you in June, you had advised us that you are seeking advice from Gjeldsoffer-Alliansen. Please can you confirm if you are still delegating with them, and if you can confirm if they are a free debt advice service for you.
Please see a summary of your account below;
Lowell Reference
Original Company
Brand
Original Client Reference
Current Balance
120143797
Capital One
Capital One
4775965317292158
£880.58
So that we can set up an affordable and sustainable payment plan with you, please help us to understand your circumstances by confirming:
· If your priority bills are up to date (e.g., rent/mortgage and utilities)
· How you will be funding the payments (e.g., wages/benefits/pension)
· Your total income
· Your total expenditure
Finally, to proceed and set up a payment plan, please provide the following information:
· Recurring payment date/day eg Monthly on 1st, every Friday etc
· Your chosen way to pay (Direct Debit, Standing Order etc)
· Your bank sort code and account number, including roll number if applicable (for Direct Debit payments)
· Your name as it appears on your bank account
You can find all our payments options by following this link https://lowell.co.uk/ways-to-pay/ (please note, we are unable to set recurring card payments via email, please call us on 0333 556 5733 to set up via these payment methods. Our agents are available 0900-1830 Monday-Friday and 0900-1600 on Saturdays.)
Regarding your query for the EE Limited account we hold for you, we can confirm account reference 314802737, is closed as this account is statue barred. This was actioned on 06/04/2024, as the account no longer reflected on your credit file. The balance of £38.71 was written off and the account was closed.
This account no longer reflects outstanding for you.
We await your response.
Next Steps
Contact will continue until you get back in touch with us. Kind Regards
Lowell Customer Services Team Lowell Financial, part of Lowell T: 0333 556 5733 Email: post@lowellgroup.co.uk Website: www.Lowell.co.uk
From: eribsskog@gmail.com To: customer_services@lowellgroup.co.uk Subject: Complaint/Fwd: Your account hold period is ending Fri Aug 15 2025 8:25 AM
Hi there,
I'm unemployed in Norway, at the moment.
I also was unemployed in the UK, during/after the finance-crises.
Then Stephchange adviced me, that I could pay token-payments, untill I got a job.
So I can offer you to pay montly token-payments, to do with this debt.
(Like use to pay your collegues Debt Management, before Brexit).
I can pay you 10 NOK a month, untill I get a job.
Erik Ribsskog
PS.
This I think was a credit-card, that I got, when I lived in Liverpool City Center.
(Where I lived from 2006 til 2011).
So this debt is almost 20 years old.
And this is on top of a 'fishy' EE-debt that you have been buging me with, earlier this year.
So this I have to complaint about.
What's this supposed to mean?
I want a reply from a superior about this.
---------- Forwarded message --------- Fra: Lowell <NoReply@lowellgroup.co.uk> Date: fre. 15. aug. 2025 kl. 07:06 Subject: Your account hold period is ending To: <eribsskog@gmail.com>
Lowell
Mr Erik Ribsskog
YOUR OUTSTANDING ACCOUNTS ORIGINAL COMPANY NAME LOWELL REF BALANCE Capital One 120143797 £880.58 £ £ £ £ £ BSENDDEF 15/08/2025
Dear Mr Ribsskog
Your account hold period is ending We placed your account(s) on hold to give you time to get some debt advice. This hold period ends on 22/08/25.
What happens next? If we don’t hear from you after 22/08/25, we’ll contact you to discuss options for your account.
If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.
You can review your account(s) online or call our friendly team on 0333 556 5700 if you have any questions.
Tap, Click or Scan to download the Lowell App www.lowell.co.uk 0333 556 5700 Mon-Fri 9am-6.30pm & Sat 9am-4pm PO Box 13079, HARLOW, CM20 9TE Independent free debt advice available www.moneyhelper.org.uk 0800 138 7777 Government-backed, free, impartial money advice (see below for more info).
Yours sincerely
Lowell Customer Team
Sharon. 29/07/2024. Coleraine, UK. The website is so easy to understand and straightforward to use. I set up a plan in 5 mins, no problem!
Andy. 20/08/2024. Scarborough, UK.They really are there to help. Just be honest and don’t be afraid to talk about your debt – they are very empathetic.
Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration number 4857418 and Lowell Financial Ltd, Company Registration number 4558936, are registered in England and Wales. Registered Office No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Portfolio I Ltd and Lowell Financial Ltd are Authorised and Regulated by the Financial Conduct Authority. INTRODUCING LOWELL Lowell is a group of leading companies in the debt purchasing business. We are Lowell Financial Ltd (LFL) and we will be supporting you by providing you with enough time and the right options to deal with your debt(s) based on your circumstances. Our opening hours are: Mon-Fri 9am-6.30pm & Sat 9am-4pm. Calls from a landline will be charged at a local rate; mobile charges may vary. HOW WE USE YOUR DATA Our privacy notice can be found at www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. To listen to our customer privacy notice, please call 0800 021 2075 or if you would like a copy, please contact us.
www.moneyhelper.org.uk - 0800 138 7777 - government-backed free debt and money advice support and solutions
www.moneywellness.com - 0161 518 8285 - confidential advice and ongoing support and solutions
www.stepchange.org - 0800 138 1111 - UK's leading debt charity for advice and solutions
www.businessdebtline.org - 0800 197 6026 - business debt advice
www.citizensadvice.org.uk - 0800 144 8848 - face-to-face holistic advice available
If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.
MAKING A COMPLAINT At Lowell, we are committed to working in a fair, reasonable, and respectful manner. We have a documented Complaints Procedure – a copy of which is available upon request. If you want to make a complaint, contact our Customer Relations Team. The easiest way to do this is online at www.lowell.co.uk in the contact us section, by calling us on 0800 542 0058 (we’re open: Mon-Fri 9am-6.30pm), or by writing to us at Customer Relations, PO Box 13079, HARLOW, CM20 9TE.
This email, any attachments and any files transmitted with it are private and confidential and are intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. Warning: although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. accepts no responsibility or liability for any loss or damage arising out of or in connection with the this email, any of its attachments or any files transmitted with it and it is recommended that you check all emails with an appropriate virus scanner.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice is available at https://www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. If you would like a copy, please contact us.
Lowell Financial Ltd. No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH is a limited company registered in England and Wales under company number 4558936. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts.
Og dette var sånn, at jeg i april 2022, ikke fikk støtte, fra Nav.
For de mente at jeg hadde fått helikopter-penger nok, i mars-måned.
Men dette skrev de med liten skrift.
Så det endte med, at jeg kjøpte et fryseskap (i mars) siden at Oda leverte varme varer, under Omikron-tida.
Og da hadde jeg ikke noen penger til Oda-varer osv., fra 1. april til 20. april.
Og så spurte jeg Nordea, om de kunne gi meg en liten kreditt (noen hundrelapper eller noen få tusenlapper) fram til jeg fikk støtte igjen fra Nav/Husbanken (20. april).
Men Nordea bare lo av meg (må jeg si).
Så jeg fikk de litt i vrangstrupen.
Og jeg bodde i England fra 2004 til 2014.
Og i 2007 (var det vel) så bytta jeg bruks-konto, fra Barclays til RBS.
Og da fikk jeg en ‘sign on-bonus’ på hundre pund (£100).
Og da tenkte jeg, at kanskje noe lignende hadde gått an i Norge.
Og så kontaktet jeg et par banker.
Det var S’Banken og en trøndersk bank, som vel heter BN Bank (eller noe lignende).
(Jeg synes at Sparebank1 er et barnslig navn.
Så de har jeg ikke fiksa å kontakte enda.
Må jeg innrømme).
Men ingen av disse, ville gi meg noen hundrelapper eller tusenlapper i kreditt.
Uansett hvor bra jeg forklarte situasjonen.
Og BN Bank de skreiv navnet mitt feil, på Visa-kortet (de skreiv Erik Løven Ribsskog, men jeg heter Erik Ribsskog, selv om jeg har søkt om å bruke mellomnavnet Løvenbalk, for å forklare at det er Johanitterorden osv., som surrer rundt slekta, siden at min danskfødte mormor var etterkommer av Gjedde og Løvenbalk og i slekt med Adeler.
Men Skatt Sør sendte svar-brevet til en onkel i Kvelde, hvor jeg tilfeldigvis var folkeregistrert.
Og jeg meldte ikke adresse-forrandring til England, på grunn av surr med skjemaet til Folkeregisteret.
For man skulle skrive hvor lenge man skulle bo i England, men det visste jeg ikke, det avhengte av når det norske politiet aktet å gjøre sin jobb, i forbindelse med to mord-forsøk (i Oslo/Kvelde) i 2004 og 2005).
Og Skatt Sør nekter nå å gi meg innsyn, i min egen navne-søknad-sak.
Man må vel si at de er noen slags skrullete sørlendinger, som har forspist seg på reger (reker) eller noe.
Noe sånt).
Så jeg sa opp hos BN Bank.
Men S’Banken fortsatte jeg å være kunde hos.
Men jeg brukte ikke Visa-kortet/kontoen.
(Unntatt muligens en gang, når jeg kjøpte et avis-abonnement til en krone.
Noe sånt).
Men S’Banken ila meg likevel et slags årsgebyr, for Visa-kort, på 200-300 kroner.
Og det lurer jeg på om er en sak for dere.
For nå har de seinere lagt til renter og purre-gebyr.
Så nå har dette blitt over 400 kroner.
(Som de sier at jeg skylder de).
Men er det god forretnings-skikk, å kreve at folk skal betale gebyr, for et Visa-kort som de ikke bruker.
I England så var Visa-kort, helt gratis (sånn som jeg husker det).
Det var vel sånn at bankene der fikk inntekter av at de nesten ikke ga folk renter (på sine forskjellige kontoer) osv.
Men det gjør vel ikke bankene i Norge heller (når det gjelder bruks-kontoer).
Så dette vil jeg at Bankklagenemnda skal se på.
Jeg har sendt dere ‘ørten’ klager på Nordea og inkasso-firmaer (som muligens tuller siden at min morfar var påtalefullmektig mot en landssviker som het Jørgen Viermyr, og hans yngste sønn Rune, har nokså nylig vært direktør i inkasso-bransjen).
Men dere har bare gjort noe tull, må jeg si.
Og da jeg kontaktet dere første gang, så het dere Bankklagenemnda.
Men nå heter dere Finansklagenemnda Bank.
Eller dere kaller dere noen ganger dette.
Men på deres nettsted, så ser det mer ‘russisk’ ut.
Der står det at avdelingene heter: ‘Avdeling Bank, finans, verdipapirfond og inkasso’.
Og det er bare forbokstaven.
De andre avdelingsnavnene er like ‘russiske’ (må man vel si).
Så det var kanskje bedre før at Bankklagenemnda og Inkassoklagenemnda osv., ble slått sammen.
Så dette må jeg klage på.
Jeg ønsker nå å få svar fra deres direktør Jørn Ingebrigtsen (står det at han heter).
Jeg har også en klage, på Tryg.
(Som dere har fått, men som dere kun ignorerer).
Og det var fordi at Fylkesmannen i Oslo og Akershus ga meg fem timer fri rettshjelp-støtte, i forbindelse med en omsorgssvikt-sak, mot min far (mens jeg bodde i England, og prøvde å rydde opp i livet mitt).
Men advokaten jeg fikk meg (Ida Valen Rukke) slutta i jobben.
Og da sa Tilsynsrådet for Advokatvirksomhet.
At da måtte jeg kontakte Tryg, for å få erstatning.
Men jeg surra rundt på Skøyen, hvor de har kontaktsenter.
Men jeg fant ikke noen kundeinngang/resepsjon.
Så jeg har vært hos deres hovedkontor i Ballerup, i/ved København.
Dette var i fjor høst.
Men de vil fortsatt ikke svare på mine mailer/henvendelser.
Så dere må også rydde opp i den Tryg-saken, mener jeg.
Og også i de nevnte Nordea-sakene.
Og inkassobyrå-sakene.
Så jeg ønsker svar fra Deres direktør Ingebrigtsen.
Selv om min nevnte Kvelde-onkel (Martin Ribsskog) var samboer med ei med det etternavnet (Grete Ingebrigtsen) på den tida jeg ble utsatt for et mordforsøk der (på Løvås gård).
Så det er kanskje mulighet for inhabilitet her.
Så det er kanskje bedre hvis en slags nest-sjef hos dere, ser på dette.
Skjerpings!
Erik Ribsskog
PS.
Det i april 2022 endte med, at jeg fikk noen hundrelapper, i erstatning, fra Power.
For det var en transportskade, på det nevnte fryse-skapet.
Så jeg fikk noe kreditt fra S’Banken.
Men jeg logga inn på nettbanken til DNB (som har kjøpt S’Banken) nå.
Og de har en egen linje, for kreditt (eller kassakreditt som noen vel sier, ihvertfall hvis det er snakk om en firma-konto).
Og jeg var innom Sandvika Frivillig-Senter, høsten 2022 (var det vel) og fikk snakke med ei advokat-dame, som heter Lisa Eian, siden at jeg blir rana av bohem-slektninger og denslags, både på mors og farssiden i X antall arve-oppgjør.
Men hu advokat-dama nekter å gjøre noe, før hu får penger.
Så jeg er fortsatt interessert i å få, en sånn kassakreditt, fra DNB/S’Banken.
For da kunne jeg betalt hu advokat-dama, og fått rydda opp i de arve-sakene.
Så om dere kan foreslå for DNB, at jeg får en sånn kreditt (og jeg trenger også noen nye møbler egentlig, fordi at Nav nekter meg å bytte ut feilvare-møbler osv., fra Jysk, som jeg ble prakka på av Nav Bærum, da jeg fikk meg kommunal leilighet, i 2018, men de møblene var av ymse kvalitet (som også vaskemaskinen fra Elkjøp osv.) men Nav nekter å gå meg støtte til å bytte ut møbler/hvitevarer, når de gamle går i stykker, så jeg mistenker at dette er mobbing/forskjellsbehandling fra Nav, selv om jeg ikke kjenner andre sosial-klienter (så jeg har ikke oversikt over hvordan Nav behandler andre) men jeg får kanskje begynne å lese Blitz-avisa, det står kanskje mer om reglene for sånt der).
Skjerpings!
———- Forwarded message ———
Fra: Erik Ribsskog <eribsskog@gmail.com>
Date: tor. 25. apr. 2024 kl. 14:49
Subject: Oppdatering/Fwd: Klage/Fwd: Klage/Fwd: Du må betale penger inn på kontoen din
Som jeg opplyste om i forfjor (se mail-historie) så gjelder dette overtrekket, et Visa-kort, som jeg ikke har brukt.
Så dette blir som noe slags svindel og bedrageri (må jeg si).
Det var vel sånn, at Nav tulla med meg, i april i forfjor.
Da fikk jeg ingen støtte, fra første til tjuende april.
Og jeg prøvde da, å bli kunde, hos en ny bank.
(Jeg ble kunde hos RBS, i England, i 2006 eller 2007.
Og da fikk jeg hundre pund i bonus.
Husker jeg).
Men S’Banken (som da ikke var eiet av DNB) nektet å gi meg en liten kassakreditt, sånn at jeg kunne ha til ordentlig husmanns-kost liksom, fram til jeg fikk penger fra Nav.
(Student-mat er kanskje greit for studenter.
Men det er noen år siden jeg var student.
For å si det sånn.
Så jeg trenger vel en ordentlig søndagsmiddag, en gang i blant.
Noe sånt).
Og da jeg bodde i England (hvor jeg bodde fra 2004 til 2014) så ble jeg medlem av Nito.
Og DNB nektet å gi meg Nito-kortet.
(Jeg kunne trengt et kreditt-kort på den tida.
For britene er veldig nøye på hvordan man kler seg på jobb-intervjuer.
Og jeg hadde også tenkt å reise over til Norge, og purre på politiet, som ikke ville etterforske et mordforsøk mot meg.
I Kvelde, i juli 2005).
Men DNB nektet meg Nito-kortet.
Og jeg tenkte som så, at de som er med i Nito, har gode fremtidsutsikter.
Og klagde jeg til Nito (på behandlingen fra dere hos DNB).
Og Nito ga meg ikke medhold.
Så jeg meldte meg ut av Nito, i protest.
Men nå har Nito fått ny president.
Så jeg har meldt meg inn i igjen.
(Etter å i mellomtiden ha vært medlem av Akademikerforbundet).
Og nå er det visst Norda som styrer med Nito-kortet.
Men de har heller ikke sendt meg Nito-kreditt-kort.
(Jeg driver nå og styrer med masse arve-saker.
Og advokat-dama nekter å gjøre noe, før hu får penger (mine hippie/bohem/tater-slektninger snyter meg, i arve-oppgjør etter arve-oppgjør).
Så jeg trenger fortsatt kreditt-kort.
Må jeg si).
Men hvis dere hos DNB klarer å få sendt meg Nito-kortet, 10-15 år på etterskudd.
Eller, hvis dere gir meg en kassa-kreditt.
Så kan jeg da bruke den kreditten, til å både betale de 300 og advokaten.
For Nordea har visst blitt litt ‘gnomete’.
De nekter å svare meg om sitt Nito-kort.
(Akkurat som DNB var
———- Forwarded message ———
Fra: Erik Ribsskog <eribsskog@gmail.com>
Date: tir. 31. mai 2022 kl. 00:05
Subject: Klage/Fwd: Du må betale penger inn på kontoen din
To: <kundeservice@sbanken.no>
Cc: post@sivilombudsmannen.no <post@sivilombudsmannen.no>, <skattsor@skatteetaten.no>, <sfovpost@statsforvalteren.no>, post <post@finkn.no>
Hei,
nå har jeg logget inn på denne kontoen.
Og det står at kontoen er overtrukket med bortimot 300 kroner, på grunn av årsavgift, for Visa-kort.
Men jeg har aldri brukt det aktuelle Visa-kortet.
Nå har jeg også to britiske kontoer, (hos Barclays og RBS), og de sender bare konto-utskrifter.
Selv om jeg har Visa-kort hos de, (som jeg ikke har brukt, siden jeg flyttet fra England, i 2017).
Og det er fordi, at i England, så tar har de ikke årsavgift, for Visa-kort.
Så her har dere noe å lære.
Jeg synes det blir feil, at man skal betale for et kort, som man ikke bruker.
Så det må jeg klage på.
Grunnen til at jeg opprettet konto hos dere, var at Nordea nektet å hjelpe meg, med kassakreditt, (eller kredittkort), når Nav tulla med støtten min, i april, (sånn at jeg bare hadde tomflasker å leve for, i flere uker).
Men dere nektet også å hjelpe meg, (med kassakreditt), ellers så hadde jeg bytta til deres konto.
Så jeg klager igjen på at jeg ikke har fått kassakreditt hos dere.
For da jeg bodde i England, så bytta jeg brukskonto, fra Barclays til RBS, i 2006 deromkring.
Og da fikk jeg hundre pund, i en slags ‘sign on-bonus’.
Så sånt er vanlig i utlandet, at man får kreditt, (eller til og med bonus), når man oppretter konto.
Så dette må jeg klage på, at dere ikke hjelper folk med.
Jeg skjønner at denne banken ble solgt til DNB.
For her er det snakk om veldig dårlig kundeservice, må jeg klage på.
Skjerpings!
Erik Ribsskog
PS.
Da jeg logget inn, så klagde nettbanken, på at jeg måtte skrive passord en gang til, for Bank ID må aktiveres på nytt, annethvert år.
Og det er en ting.
Men nå hadde jeg ganske nylig byttet passord, på min bank-id.
Men likevel så forlangte den at jeg skulle endre passord.
Dere blander passord og aktivering, i en slags smørje, kan det virke som.
Skjerpings!
———- Forwarded message ———
Fra: <ikkesvar@sbanken.no>
Date: man. 30. mai 2022 kl. 10:06
Subject: Du må betale penger inn på kontoen din
To: <eribsskog@gmail.com>
Hei,
Du har en konto med overtrekk og vi ber deg om å betale penger inn på kontoen din for å rette det opp. For mer informasjon må du logge inn i nettbanken og sjekke meldingsboksen din.
Hvis du lurer på noe kan du ta kontakt med oss på chat eller telefon 55 26 00 00.
Som jeg opplyste om i forfjor (se mail-historie) så gjelder dette overtrekket, et Visa-kort, som jeg ikke har brukt.
Så dette blir som noe slags svindel og bedrageri (må jeg si).
Det var vel sånn, at Nav tulla med meg, i april i forfjor.
Da fikk jeg ingen støtte, fra første til tjuende april.
Og jeg prøvde da, å bli kunde, hos en ny bank.
(Jeg ble kunde hos RBS, i England, i 2006 eller 2007.
Og da fikk jeg hundre pund i bonus.
Husker jeg).
Men S’Banken (som da ikke var eiet av DNB) nektet å gi meg en liten kassakreditt, sånn at jeg kunne ha til ordentlig husmanns-kost liksom, fram til jeg fikk penger fra Nav.
(Student-mat er kanskje greit for studenter.
Men det er noen år siden jeg var student.
For å si det sånn.
Så jeg trenger vel en ordentlig søndagsmiddag, en gang i blant.
Noe sånt).
Og da jeg bodde i England (hvor jeg bodde fra 2004 til 2014) så ble jeg medlem av Nito.
Og DNB nektet å gi meg Nito-kortet.
(Jeg kunne trengt et kreditt-kort på den tida.
For britene er veldig nøye på hvordan man kler seg på jobb-intervjuer.
Og jeg hadde også tenkt å reise over til Norge, og purre på politiet, som ikke ville etterforske et mordforsøk mot meg.
I Kvelde, i juli 2005).
Men DNB nektet meg Nito-kortet.
Og jeg tenkte som så, at de som er med i Nito, har gode fremtidsutsikter.
Og klagde jeg til Nito (på behandlingen fra dere hos DNB).
Og Nito ga meg ikke medhold.
Så jeg meldte meg ut av Nito, i protest.
Men nå har Nito fått ny president.
Så jeg har meldt meg inn i igjen.
(Etter å i mellomtiden ha vært medlem av Akademikerforbundet).
Og nå er det visst Norda som styrer med Nito-kortet.
Men de har heller ikke sendt meg Nito-kreditt-kort.
(Jeg driver nå og styrer med masse arve-saker.
Og advokat-dama nekter å gjøre noe, før hu får penger (mine hippie/bohem/tater-slektninger snyter meg, i arve-oppgjør etter arve-oppgjør).
Så jeg trenger fortsatt kreditt-kort.
Må jeg si).
Men hvis dere hos DNB klarer å få sendt meg Nito-kortet, 10-15 år på etterskudd.
Eller, hvis dere gir meg en kassa-kreditt.
Så kan jeg da bruke den kreditten, til å både betale de 300 og advokaten.
For Nordea har visst blitt litt ‘gnomete’.
De nekter å svare meg om sitt Nito-kort.
(Akkurat som DNB var
———- Forwarded message ———
Fra: Erik Ribsskog <eribsskog@gmail.com>
Date: tir. 31. mai 2022 kl. 00:05
Subject: Klage/Fwd: Du må betale penger inn på kontoen din
To: <kundeservice@sbanken.no>
Cc: post@sivilombudsmannen.no <post@sivilombudsmannen.no>, <skattsor@skatteetaten.no>, <sfovpost@statsforvalteren.no>, post <post@finkn.no>
Hei,
nå har jeg logget inn på denne kontoen.
Og det står at kontoen er overtrukket med bortimot 300 kroner, på grunn av årsavgift, for Visa-kort.
Men jeg har aldri brukt det aktuelle Visa-kortet.
Nå har jeg også to britiske kontoer, (hos Barclays og RBS), og de sender bare konto-utskrifter.
Selv om jeg har Visa-kort hos de, (som jeg ikke har brukt, siden jeg flyttet fra England, i 2017).
Og det er fordi, at i England, så tar har de ikke årsavgift, for Visa-kort.
Så her har dere noe å lære.
Jeg synes det blir feil, at man skal betale for et kort, som man ikke bruker.
Så det må jeg klage på.
Grunnen til at jeg opprettet konto hos dere, var at Nordea nektet å hjelpe meg, med kassakreditt, (eller kredittkort), når Nav tulla med støtten min, i april, (sånn at jeg bare hadde tomflasker å leve for, i flere uker).
Men dere nektet også å hjelpe meg, (med kassakreditt), ellers så hadde jeg bytta til deres konto.
Så jeg klager igjen på at jeg ikke har fått kassakreditt hos dere.
For da jeg bodde i England, så bytta jeg brukskonto, fra Barclays til RBS, i 2006 deromkring.
Og da fikk jeg hundre pund, i en slags ‘sign on-bonus’.
Så sånt er vanlig i utlandet, at man får kreditt, (eller til og med bonus), når man oppretter konto.
Så dette må jeg klage på, at dere ikke hjelper folk med.
Jeg skjønner at denne banken ble solgt til DNB.
For her er det snakk om veldig dårlig kundeservice, må jeg klage på.
Skjerpings!
Erik Ribsskog
PS.
Da jeg logget inn, så klagde nettbanken, på at jeg måtte skrive passord en gang til, for Bank ID må aktiveres på nytt, annethvert år.
Og det er en ting.
Men nå hadde jeg ganske nylig byttet passord, på min bank-id.
Men likevel så forlangte den at jeg skulle endre passord.
Dere blander passord og aktivering, i en slags smørje, kan det virke som.
Skjerpings!
———- Forwarded message ———
Fra: <ikkesvar@sbanken.no>
Date: man. 30. mai 2022 kl. 10:06
Subject: Du må betale penger inn på kontoen din
To: <eribsskog@gmail.com>
Hei,
Du har en konto med overtrekk og vi ber deg om å betale penger inn på kontoen din for å rette det opp. For mer informasjon må du logge inn i nettbanken og sjekke meldingsboksen din.
Hvis du lurer på noe kan du ta kontakt med oss på chat eller telefon 55 26 00 00.
Erik Ribsskog <eribsskog@gmail.com> Re: Priority Reference Number: 22537242 Erik Ribsskog <eribsskog@gmail.com> 8. februar 2024 kl. 20:06 Til: customer.complaints@ee.co.uk Kopi: “complaint.info” <complaint.info@financial-ombudsman.org.uk>, enquiry@commsombudsman.org, customerwellness@three.co.uk, Customer Services <Customer_Services2@lowellgroup.co.uk>, complaintsresolution@lowellgroup.co.uk, Lowell Norge AS <svc.no.nova@lowell.com>, bank.no@lowell.com, bank.no@lowell.mypurecloud.ie, kundeservice@mail.efi.no, boligbistand@baerum.kommune.no, Lowell Norge AS <strom.no@lowell.com>, NorgesEnergi <kundeservice@norgesenergi.no>, Lowell Norge – kundesenter <kundesenter.no@lowell.com>, kundeservice@hafslundstrom.no, Bærum Kommune <post@baerum.kommune.no>, LOS Kundesenter <kundesenter@los.no>, Sfovpost <sfovpost@statsforvalteren.no>, “post@sivilombudsmannen.no” <post@sivilombudsmannen.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, LbF Leieboerforeningen <lbf@lbf.no>, post <post@finkn.no>, Akademikerforbundet <post@akademikerforbundet.no>, kom@nve.no, rme@nve.no, trl@nve.no, morten.schau@elvia.no, Abuse <abuse@telia.com>, “inger.lise.blyverket” <inger.lise.blyverket@forbrukerradet.no>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, Info <info@tpas.org.uk>, Postmottak ASD <postmottak@asd.dep.no>, Runcorn Office <runcornoffice@taroe.org>, Postkasse <postkasse@datatilsynet.no>, Lisa Eian <eian@eianadvokat.no>, strom.no@lowell.mypurecloud.ie, post@arbeidstilsynet.no, corporationsecretary@ofcom.org.uk, post <post@finanstilsynet.no>, Post <post@brukerklagenemnda.no>, NKOM <firmapost@nkom.no>, Post <post@forbrukerradet.no>, newsroom@ee.co.uk, enquiries@policeconduct.gov.uk Hi,
I have both Barclays current-account, Barclays ISA-account, RBS current-account and RBS ISA-account.
(Something like that).
And I tried my Barclays card-reader now.
But it was out of battery.
And I could get the RBS-internet-bank to work eighter.
I haven’t lived in the UK since 2017.
And when I live in Norway, I find it more practical to use my Norwegian bank-account.
So I haven’t used my British bank-accounts for many years.
But it could be that I used my RBS current-account for this direct-debit.
If so, then the last four numbers should be (sensurert av johncons-blogg).
Erik Ribsskog
PS.
I think it’s silly that I have to go through all these questions about this old bill.
I’ve explained to you that I’ve lived in Norway since December 2017.
So I want a reply from a superior about this.
tor. 8. feb. 2024 kl. 11:33 skrev <customer.complaints@ee.co.uk>: 08/02/2024
Hi Erik,
Thanks for your email. Billy’s out of the office at the moment so I’m replying on his behalf.
I’m sorry to hear about the issues you’ve experienced with an old EE account.
I’d like to look into this for you. Before I do, I just need you to confirm some information for security, so I know I’m in touch with the right person.
What to do now
Please call me on 08009563067*.
We’re open Monday to Friday 08.00 to 20.00, 10.00 to 18.00 Saturday and 10.00 to 16.00 Sunday.
I can run through the security questions with you quickly and easily over the phone. It would also be great to be able to speak to you directly about the problems you’ve had.
Or email me with a few details
If you can’t call me, please email me back to confirm:
· Your full name
· The full billing address registered on the account
· The last 4 digits of the registered bank account number
If you weren’t able to answer the security questions, then we’d usually advise you to go into an EE store with photo ID to verify yourself. However, as I understand you’re no longer living in the UK, if you’re unable to answer the above security questions then please send me a copy of your photo ID via email.
What happens next?
I look forward to hearing from you soon so I can start looking into the details and give you a full response.
Yours sincerely
Catherine Hornsby
Executive Complaints Team
*Calls to 08009563067 are free from all UK consumer mobiles and landlines. Please check with your provider about costs from other phones or countries.
This email contains information from BT that might be privileged or confidential. And it’s only meant for the person above. If that’s not you, we’re sorry – we must have sent it to you by mistake. Please email us to let us know, and don’t copy or forward it to anyone else. Thanks. We monitor our email systems and may record all our emails. British Telecommunications plc R/O : One Braham Street, London E1 8EE Registered in England: No 1800000
On 07/02/2024 16:14, Erik Ribsskog wrote:
You don’t often get email from eribsskog@gmail.com. Learn why this is important
Hi,
I live back in Norway now.
So this perhaps make much sense.
But I got a flat in Tuebrook (in Osborne Road) the month after (in September 2017).
And I got a BT landline (with broadband) when I lived in Mandeville Streed (in Walton) in 2006.
(This subscripton I later brought with me to Leather Lane (in Liverpool City Center) in the summer of 2006).
When I lived in Sunderland (Azalea Lodge/Azalea Terrace North) in 2011, I bought a wireless broadband-dongle at T-Mobile/EE in Sunderland City Center.
(Azalea Lodge had wifi.
But I think they said it was only for the staff.
Something like that).
And the mentioned police (in Liverpool) harrassed me, and stole my computer and internet-dongle, so I bought a second dongle, at EE/T-mobile, in Liverpool City Center, in 2012/2013.
Then I lived in Keith Court in Walton.
I might have used that address when I bought the EE-subscription in 2017.
I was really looking for a pay as you go-dongle, and I remember it was a bit sweaty/’Russian’ (with many questions) when the young woman there, sold me the monthly plan (with the poor quality router/USB-wire) in 2017.
Erik Ribsskog
PS.
I tried to find the EE-router, but I only found the Three-router and a T-mobile-card from before I moved back to Norway in 2014.
ons. 7. feb. 2024 kl. 09:13 skrev <customer.complaints@ee.co.uk>:
Hi Erik, thanks for your reply.
I have found an account under your name however the address details supplied do not match what we have on the system.
We would need to pass security checks before we can access your account to give you any information.
Would you be able to reply with the full address details so that we can access your account to help you?
Kind Regards,
Billy Todd Executive Complaints
Tel- 08009563067*
*Calls to this number are free of charge from all UK consumer mobile or landline phones in the UK. If you are calling from a different phone, you should check with your provider whether there will be a charge for calling 0800 numbers. Our standard opening hours are 8am to 8pm Monday to Friday, Saturdays 10am to 6pm and Sundays 10am to 4pm*
This email contains information from BT that might be privileged or confidential. And it’s only meant for the person above. If that’s not you, we’re sorry – we must have sent it to you by mistake. Please email us to let us know, and don’t copy or forward it to anyone else. Thanks. We monitor our email systems and may record all our emails. British Telecommunications plc R/O : One Braham Street, London E1 8EE Registered in England: No 1800000
On 05/02/2024 16:09, Erik Ribsskog wrote:
You don’t often get email from eribsskog@gmail.com. Learn why this is important
Hi
I found the Agoda-receipt, and it says the address of the hotel (Lord Nelson Hotel) where I lived at the time, is in Hotham Street.
I’ve moved a few times between Norway and the UK, so I don’t remember exactly which British phone-number I had back then.
But there’s only one person in the world with my name (I have geneaology as a hobby) so it shouldn’t be that difficult to find.
I also checked on Wikipedia now, and see that BT had bought EE from T-mobile etc., while I lived in Norway (from 2014 to 2017).
I guess that’s why I didn’t recognize the stuff you sold in your EE-shop.
Erik Ribsskog
PS.
Here is more about this:
‘Lord Nelson Hotel
Lord Nelson Hotel
orange-yellow star-2
Hotham Street, Liverpool City Centre, Liverpool, United Kingdom L3 5PD
Innfrielse av forespørsler avhenger av tilgjengelighet ved ankomst.
Avbestilling- og endringsregler
Denne reservasjonen kan ikke refunderes og kan ikke endres eller modifiseres. Hvis du ikke ankommer hotellet ditt, vil dette behandles som manglende oppmøte, og ingen refusjon vil bli gitt (hotellregel).’.
man. 5. feb. 2024 kl. 09:59 skrev <customer.complaints@ee.co.uk>:
Good Morning, I hope you are well and thanks for contacting EE.
Regarding your recent email to us, we would like to look into this further and provide you with a response to your recent complaint that was received by EE, in relation to an account you have/had with us.
Would it be possible to provide some account details in order for us to do so?
Ideally we would like the account number or the mobile number you were connected to whilst you had the contract with EE.
If you do not have these details, if you could please supply your name and address details so that we can investigate your complaint further.
Kind Regards,
Billy Todd Executive Complaints
Tel- 08009563067*
*Calls to this number are free of charge from all UK consumer mobile or landline phones in the UK. If you are calling from a different phone, you should check with your provider whether there will be a charge for calling 0800 numbers. Our standard opening hours are 8am to 8pm Monday to Friday, Saturdays 10am to 6pm and Sundays 10am to 4pm*
This email contains information from BT that might be privileged or confidential. And it’s only meant for the person above. If that’s not you, we’re sorry – we must have sent it to you by mistake. Please email us to let us know, and don’t copy or forward it to anyone else. Thanks. We monitor our email systems and may record all our emails. British Telecommunications plc R/O : One Braham Street, London E1 8EE Registered in England: No 1800000
the way I remember it, EE owes me money (and not the other way around).
I got a monthly wireless broadband-plan, from EE (in Liverpool City Center) in the summer of 2017.
And after a few weeks, the sim-card stopped working.
And that wasn’t the only problem.
I really wanted a USB-dongle (like T-Mobile/EE sold, around 2011).
But they’d stopped selling these.
And instead I had to buy a router.
But the problem was that the router didn’t charge that well.
So sometimes it ran out of power.
And then I couldn’t use the internet, for a number of X hours.
And that’s not really an alternative to ADSL/regular broadband then, I think.
So I got a pay-as-you-go sim-card/router, from Three.
(Since I’m a Norwegian citizen, then I’m not in the electoral-register.
So it’s not easy getting monthly-plans in the UK (for Norwegian citizens).
Even before Brexit this was a problem).
So I just started buying pay-as-you-go-data/gigabytes at Tesco, etc.
For the Three-router.
And I got myself a flat in Tuebrook, in the autumn of 2017.
And the flat was unfurnished.
And I hadn’t brought any furniture etc. with me from Norway.
So I had a lot of other stuff to buy (for the flat).
So I just continued using the Three-router/sim-card/wireless broadband.
And when the EE sim-card stopped working, then I must have stopped the direct debit, by using eighter my RBS internet-bank og Barclays internet-bank.
But this was EE’s own foult, since their stuff didn’t work.
They made the sim-card stop working (the way I remember it).
And their router wasn’t good enough to do with charging (of the built-in battery).
So it was basically rubbish, I’d say.
(And it was also in a funny yellow colour.
So it looked like EE had used a lot of effort into this product.
But it didn’t work properly.
And also they shut down my sim-card, after a few weeks, even if I had gotten money from a property-sale in Norway, some weeks earlier, so it was plenty of money, on both my British bank-accounts)
YOUR OUTSTANDING ACCOUNTS ORIGINAL COMPANY NAME LOWELL REF BALANCE EE Limited 314802737 £38.71 £ £ £ £ £ CKWM3DEF 13/03/2023
Dear Mr Ribsskog
It’s never been easier to manage your account(s) It only takes a couple of minutes to register to manage your account(s) online.
Visit www.lowell.co.uk today and let us know how much you’ll pay and how often, with an interest-free payment plan. At www.lowell.co.uk you can check your budget, set up a payment plan and keep track of your progress.
It’s never been easier to manage your account(s) online, so take your first step towards a debt-free future today.
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Samantha, Paignton
..Always reassuring, helpful, not pushy or judgemental, I really feel like it’s me that’s important and not my debt.
Calls may be recorded for training and monitoring purposes. Lowell Financial Ltd. is a company registered in England and Wales under Company Reg No: 4558936. Authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts. Registered Office: Ellington House, 9 Savannah Way, Leeds, LS10 1AB INTRODUCING LOWELL Lowell is a group of leading companies in the debt purchasing business. We are Lowell Financial Ltd (LFL) and we will be supporting you by providing you with enough time and the right options to deal with your debt(s) based on your circumstances. You can manage your account(s) without even picking up the phone by visiting our website at www.lowell.co.uk. You’ll just need your Lowell Reference number(s). If you want to have a chat about your account(s), you can call us on 0333 556 5700.Calls from a landline will be charged at a local rate; mobile charges may vary. TO MAKE A PAYMENT OR TO SET UP A PAYMENT PLAN
If you already know how much you can afford to pay, you can use our automated 24 hour 7 day a week service to pay by debit card.
Call us on 0333 556 5700.
Please have your Lowell reference number(s) and your debit card to hand.
If you bank online, you can pay directly to us. Our bank account number: 39543749 Our sort code: 60-00-01 You’ll also need your Lowell reference number(s).
If you set up payments this way, please let us know when to expect them so we can set up your repayment plan for you.
Set up an affordable Direct Debit by calling us on 0333 556 5700 or by visiting our secure website www.lowell.co.uk. (you’ll just need your reference number(s) and bank details). To see the full Direct Debit Guarantee, visit www.lowell.co.uk/direct-debit-guarantee
CONTINUOUS PAYMENT AUTHORITY If you have chosen to make regular card payments to us these will be made under a Continuous Payment Authority (CPA). A CPA authorises us to withdraw the agreed amount from your specified account on an agreed frequency. CPAs can be set up weekly, fortnightly, four weekly or monthly.
Payments taken from your card will appear on your bank account or card statement as ‘Lowell Portfolio I’. If we are unable to collect your payment, we will contact you to understand the reason why.
If you are paying on a four weekly or monthly arrangement, we will make one further attempt to take the full missed payment amount 14 days later.
We will not apply any fees and charges to your account as a result of a failed payment attempt.
You are able to cancel the CPA by contacting us or your payment service provider at any time up to close of business on the day before payment is due to be taken.
HOW WE USE YOUR DATA Our privacy notice can be found at www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. To listen to our notice, please call 0800 021 2075 or if you would like a copy, please contact us.
FREE IMPARTIAL DEBT ADVICE UPDATING YOUR CREDIT FILE If you are worried about your debts, you can get free and confidential advice from a number of independent organisations including: StepChange Debt Charity
0800 138 1111 or www.stepchange.org National Debtline 0808 808 4000 or www.nationaldebtline.org
If your account(s) are being reported to the credit reference agencies, we will update them with details of your payments. If you pay an account in full, any default will show as ‘satisfied’. If we agree to accept a discounted settlement, any default will show as ‘partially satisfied’, when paid. Updating your credit file to show you are making payments or have settled your account could help to improve your credit rating and get your finances back on track.
MAKING A COMPLAINT At Lowell, we are committed to dealing with all customers in a fair, reasonable and respectful manner. We do welcome any feedback on our communications with customers. We have a documented Complaints Policy – a copy of which is available upon request. If you do wish to make a complaint, please contact our Customer Relations Team by phone, letter or email.
Freephone: 0800 542 0058 (we're open: Mon-Fri: 8am-6pm)
Write to us, setting out full details, at Customer Relations, PO Box 13079, HARLOW, CM20 9TE
Alternatively email: complaintsresolution@lowellgroup.co.uk
