johncons

Stikkord: Step Change

  • Jeg fikk en ny e-post fra Step Change


    Gmail – Your reference: 1105539

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>


    Your reference: 1105539


    Customer Relations

    <CustomerRelations@stepchange.org>


    Wed, Nov 28, 2012 at 10:41 AM

    To:
    “eribsskog@gmail.com” <eribsskog@gmail.com>

    Dear Mr Ribsskog

    Client reference: 1105539

    Complaint reference: 1076/1105539

    I’m writing to confirm that a formal complaint has been registered on your behalf following receipt of your recent

    email to our Q&A Team which explains you’re unhappy about our recent name change. Please accept our apologies for the delay in this being passed to us.

    A full investigation of your concerns will be carried out by the Client Liaison Team in line with the charity’s formal complaint handling procedure. I’ve attached

    details of our process at the bottom of this email for your reference.

    We’ll contact you again in due course with more information.

    When you receive our response, if you feel your concerns haven’t been resolved to your satisfaction, you can refer the matter to the Financial Ombudsman Service. 

    Details of their service will be attached with our reply.

    Kind regards

    Christina Eccles

    Client Liaison Officer

    _________________________________________________________________________

    Complaints Process

    Help us to help you

    We’re fully committed to giving you the highest standard of service and customer care. If you don’t think we’ve done this,

    please tell us so we can look into this and hopefully give you an outcome you’re happy with.

    To do this, write to our Client Liaison Manager

    at:

    StepChange Debt Charity

    Wade House

    Merrion Centre

    Leeds

    LS2 8NG

    Please give as much information about your complaint as possible and how you’d like us to resolve this.

    As soon as we’ve received your complaint, we will:

    • Send you written confirmation within 5 working days

      • Start investigating it. We aim to send you an outcome within 4 weeks. If we can’t do this we’ll send you an update

        We always aim to send you a final response within 8 weeks of receiving your complaint.

        If we can’t do this, we’ll write to you explaining why and when we’ll be able to give you an outcome.

        If we take more than 8 weeks after receiving your complaint to reply to you, or you don’t

        think our outcome has resolved your complaint, you can write to:

        Financial Ombudsman Service (FOS)

        South Quay Plaza

        183 Marsh Wall

        London E14 9SR

        Or you can email them at

        complaint.info@financial-ombudsman.org.uk

        For more information, you can visit

        www.financial-ombudsman.org.uk or call them on

        0845 080 1800.

        You must refer your complaint to the Financial Ombudsman Service within 6 months of the date on our final response.

        ——————————————————————————This message may contain confidential information and is intended for the addressee only.
        If you have received this information in error, please return it to us and delete it from
        your computer.
        Although StepChange Debt Charity operates anti-virus programmes, it does not accept
        responsibility for any damage whatsoever that is caused by viruses being passed.
        As emails are not a secure method of communication, StepChange Debt Charity does not
        accept legal responsibility for the contents of this message.
        Foundation for Credit Counselling, trading as StepChange Debt Charity,
        Wade House, Merrion Centre, Leeds LS2 8NG. Company No. 2757055, Charity No. 1016630.

    • Jeg sendte en ny e-post til Step Change


      Gmail – Stepchange Debt Charity

      Gmail


      Erik Ribsskog
      <eribsskog@gmail.com>


      Stepchange Debt Charity


      Erik Ribsskog

      <eribsskog@gmail.com>


      Thu, Nov 15, 2012 at 7:57 PM

      To:
      Q&A <contactus@stepchange.org>

      Hi,

      it says here that Stepchange means:
      A step change is a sudden or major change in the way that something happens or the way that someone behaves.  

      http://dictionary.reverso.net/english-cobuild/step%20change
      My debt was due to that I was underpaid in a job, and not due to that eg. wasted a lot of money.


      So I think this new name is a bit descending.

      If you tell people the have to change then you patronise them, I think.
      You don’t need to patronise people to give them advice about the laws on debt, I think.

      So I wanted to complain about this new name.

      You say I don’t have to use Step Change, but I’ve been using CCCS for advice, for a few years now.

      So it seems like a hostile act almost, to me, that you change your name, and just tell your clients to ‘bug off’ if they don’t like the new name.

      So I wanted to compain about this.
      The new name sounds like you are a branch of the inner mission, (or something), I think.

      Erik Ribsskog


      On Thu, Nov 15, 2012 at 12:49 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thanks for your recent e-mail.

      We are an independent charity and our services and advice are entirely free of charge and therefore

      it is down to you if you follow the advice or not.

      Unlike fee-charging

      debt management companies, our service is funded by creditors, not paid for by clients. This is made possible by the charitable contributions
      that creditors make to us. As a result, our advice to those in need is genuinely free. It’s based on what’s best for them, not what’s profitable for us.

      Thanks

      Lauren

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

      Sent: 14 November 2012 22:28

      To: Q&A
      Subject: Re: Stepchange Debt Charity

      Hi,

      well I don’t like your new name.

      It’s like you patronise and moralise people and say they’ve done something wrong.

      Isn’t it also true that the credit card-companies pay for running your organisation?

      It’s a bit like they sit on more than one side of the table here, I think.

      So I have doubts about your agenda and your so-called independency now.

      (Since I’ve noticed these things).

      Erik Ribsskog

      On Wed, Nov 14, 2012 at 2:05 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thank you for your recent email.

      We want to raise awareness of our services and stand apart from every other brand that offers debt advice. With a more memorable

      name, a clearer identity and a stronger presence than ever before, we will not just reinforce our position as the leading debt charity, but we will also become the organisation that people turn to first when looking for

      debt help
      . I hope this answers your question regarding our name change.

      If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800 197 1704. We’re open Monday to

      Friday 8am to 8pm.

      Thanks

      Lauren

      From: Erik

      Ribsskog [mailto:eribsskog@gmail.com]

      Sent: 13 November 2012 17:45

      To: Q&A
      Subject: Re: Stepchange Debt Charity

      Hi,

      I don’t like the name Step Change.

      It’s like you patronise and say I’ve done something wrong I think.

      Isn’t that what your new name means?

      Erik Ribsskog

      On Tue, Nov 13, 2012 at 1:45 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thanks for your recent email.

      We have recently changed our name from CCCS to Step Change Debt Charity which is why you may be confused

      by our reply to your email.

      If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800

      197 1704. We’re open Monday to Friday 8am to 8pm.

      Thanks

      Lauren

      From: Erik

      Ribsskog [mailto:eribsskog@gmail.com]

      Sent: 12 November 2012 18:41
      To: Q&A
      Subject: Re: Stepchange Debt Charity

      Hi,

      I haven’t had anything to do with Stepchange earlier to be honest.

      Where did you find my e-mail?

      Erik Ribsskog

      On Mon, Nov 12, 2012 at 5:59 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thank you for your email.

      Could you confirm your web/client reference ?

      Please confirm your full name, first line of address and post code for data protection.

      Thanks

      Donna

      Hi,

      I’ve sent you an e-mail about this on 8/11.

      Best regards,

      Erik Ribsskog

      PS.

      Here is more about this:

      Erik Ribsskog

      <eribsskog@gmail.com>

      Thu, Nov 8, 2012 at 10:49 PM


      To:
      contact@dmpay.co.uk


      Cc:
      Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>


      Hi,

      I’m refering to your letter from 5/11, which I attach.

      The Jobcentre haven’t sent me my five latest Jobseekers Allowance-payments, for no good reason.


      I do my Jobseeking like the Jobcentre have previously told me they want me to do it, every week.

      I have not been informed by the Jobcentre when they are going to start sending me my Jobseekers Allowance again.



      And I no money for cutting my hair, or taking the train to job-interviews eighter.



      So maybe Barclays can give me a loan, untill someone have cleaned the problems at the Jobcentre up?

      I also have an insurance-case against Barclays, since where I used to live, in Leather Lane, in Liverpool, (untill August last year), I was thrown out, after I wasn’t sent a letter, for a court-hearing, so most of
      my stuff was kept by the landlord, after the Police broke in to my flat.



      But I don’t have money to buy stamps, so I haven’t gotten to send about this to Barclays insurance-department.



      But you are perhaps a department of Barclays?

      Then perhaps you could send about this to Barclays Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with the Landlord there).



      I’ll pay the bill as soon as I get some money.

      Sorry about the problems with this!

      Yours sincerely,



      Erik Ribsskog





      dml

      november.jpg

      114K

      On

      Mon, Nov 12, 2012 at 8:06 AM, Sam N Parcs <
      sam.n.parcs@debt-managers.co.uk> wrote:

      47998755

      – Barclays Bank – BVDM1R

      Dear Mr Erik Ribsskog

      Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.

      You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.

      Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.

      To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at

      dmpay.co.uk using your reference number and unique password 676P962.
      Sam N Parcs
      Supervisor

      Sam.n.parcs@debt-managers.co.uk

      The cost of calls may vary depending on your network provider – please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
      OPENING TIMES
      Monday – Thursday 8 am – 8 pm
      Friday 8 am – 7pm
      Saturday 8 am – 4pm

      Any

      views or opinions are solely those of the author and do not necessarily represent those of the Company

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

      The information
      transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and
      confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.

      Debt Managers
      Ltd.  Registered in Scotland (registered no. 219618).                                                                        

      Registered Office:
      12 Hope Street, Edinburgh, EH2 4DB


      Follow us on Twitter

      http://twitter.com/moneyaware

      Like
      us on Facebook

      http://www.facebook.com/moneyaware Read
      the MoneyAware blog

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      P

      Please consider the environment before printing this e-mail.

      ——————————————————————————

      This message may contain confidential information and is intended for the addressee only.If you have received this information in error, please return it to us and delete it from
      your computer.
      Although StepChange Debt Charity operates anti-virus programmes, it does not accept
      responsibility for any damage whatsoever that is caused by viruses being passed.
      As emails are not a secure method of communication, StepChange Debt Charity does not
      accept legal responsibility for the contents of this message.
      Foundation for Credit Counselling, trading as StepChange Debt Charity,
      Wade House, Merrion Centre, Leeds LS2 8NG. Company No. 2757055, Charity No. 1016630.

      Follow us on Twitter
      http://twitter.com/moneyaware
      Like us on Facebook
      http://www.facebook.com/moneyaware
      Read the MoneyAware blog
      http://moneyaware.co.uk
      P

      Please consider the environment before printing this e-mail.

      Follow us on Twitter
      http://twitter.com/moneyaware
      Like us on Facebook
      http://www.facebook.com/moneyaware
      Read the MoneyAware blog
      http://moneyaware.co.uk
      P

      Please consider the environment before printing this e-mail.

      Follow us on Twitter
      http://twitter.com/moneyaware
      Like us on Facebook
      http://www.facebook.com/moneyaware
      Read the MoneyAware blog
      http://moneyaware.co.uk
      P
      Please consider the environment before printing this e-mail.

    • Jeg sendte en e-post til Step Change, (tidligere CCCS)


      Gmail – Stepchange Debt Charity

      Gmail


      Erik Ribsskog
      <eribsskog@gmail.com>


      Stepchange Debt Charity


      Erik Ribsskog

      <eribsskog@gmail.com>


      Tue, Nov 13, 2012 at 5:45 PM

      To:
      Q&A <contactus@stepchange.org>

      Hi,

      I don’t like the name Step Change.

      It’s like you patronise and say I’ve done something wrong I think.
      Isn’t that what your new name means?

      Erik Ribsskog

      On Tue, Nov 13, 2012 at 1:45 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thanks for your recent email.

      We have recently changed our name from CCCS to Step Change Debt Charity which is why you may be confused by our reply to your email.

      If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800 197 1704. We’re open Monday to Friday 8am to 8pm.

      Thanks

      Lauren

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

      Sent: 12 November 2012 18:41
      To: Q&A
      Subject: Re: Stepchange Debt Charity

      Hi,

      I haven’t had anything to do with Stepchange earlier to be honest.

      Where did you find my e-mail?

      Erik Ribsskog

      On Mon, Nov 12, 2012 at 5:59 PM, Q&A <contactus@stepchange.org> wrote:

      Good afternoon

      Thank you for your email.

      Could you confirm your web/client reference ?

      Please confirm your full name, first line of address and post code for data protection.

      Thanks

      Donna

      Hi,

      I’ve sent you an e-mail about this on 8/11.

      Best regards,

      Erik Ribsskog

      PS.

      Here is more about this:

      Erik Ribsskog

      <eribsskog@gmail.com>

      Thu, Nov 8, 2012 at 10:49 PM


      To:
      contact@dmpay.co.uk


      Cc:
      Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>


      Hi,

      I’m refering to your letter from 5/11, which I attach.

      The Jobcentre haven’t sent me my five latest Jobseekers Allowance-payments, for no good reason.


      I do my Jobseeking like the Jobcentre have previously told me they want me to do it, every week.

      I have not been informed by the Jobcentre when they are going to start sending me my Jobseekers Allowance again.



      And I no money for cutting my hair, or taking the train to job-interviews eighter.



      So maybe Barclays can give me a loan, untill someone have cleaned the problems at the Jobcentre up?

      I also have an insurance-case against Barclays, since where I used to live, in Leather Lane, in Liverpool, (untill August last year), I was thrown out, after I wasn’t sent a letter, for a court-hearing, so most of
      my stuff was kept by the landlord, after the Police broke in to my flat.



      But I don’t have money to buy stamps, so I haven’t gotten to send about this to Barclays insurance-department.



      But you are perhaps a department of Barclays?

      Then perhaps you could send about this to Barclays Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with the Landlord there).



      I’ll pay the bill as soon as I get some money.

      Sorry about the problems with this!

      Yours sincerely,



      Erik Ribsskog





      dml

      november.jpg

      114K

      On

      Mon, Nov 12, 2012 at 8:06 AM, Sam N Parcs <sam.n.parcs@debt-managers.co.uk> wrote:

      47998755

      – Barclays Bank – BVDM1R

      Dear Mr Erik Ribsskog

      Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.

      You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.

      Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.

      To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at
      dmpay.co.uk using your reference number and unique password 676P962.

      Sam N Parcs
      Supervisor
      Sam.n.parcs@debt-managers.co.uk

      The cost of calls may vary depending on your network provider – please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
      OPENING TIMES
      Monday – Thursday 8 am – 8 pm
      Friday 8 am – 7pm
      Saturday 8 am – 4pm

      Any

      views or opinions are solely those of the author and do not necessarily represent those of the Company

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

      The information
      transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and
      confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.

      Debt Managers
      Ltd.  Registered in Scotland (registered no. 219618).                                                                        

      Registered Office:
      12 Hope Street, Edinburgh, EH2 4DB


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

      Like
      us on Facebook
      http://www.facebook.com/moneyaware
      Read
      the MoneyAware blog
      http://moneyaware.co.uk

      P

      Please consider the environment before printing this e-mail.

      ——————————————————————————

      This message may contain confidential information and is intended for the addressee only.If you have received this information in error, please return it to us and delete it from
      your computer.
      Although StepChange Debt Charity operates anti-virus programmes, it does not accept
      responsibility for any damage whatsoever that is caused by viruses being passed.
      As emails are not a secure method of communication, StepChange Debt Charity does not
      accept legal responsibility for the contents of this message.
      Foundation for Credit Counselling, trading as StepChange Debt Charity,
      Wade House, Merrion Centre, Leeds LS2 8NG. Company No. 2757055, Charity No. 1016630.

      Follow us on Twitter
      http://twitter.com/moneyaware
      Like us on Facebook
      http://www.facebook.com/moneyaware
      Read the MoneyAware blog
      http://moneyaware.co.uk
      P
      Please consider the environment before printing this e-mail.