johncons

Stikkord: Stepchange

  • Jeg sendte en e-post til Stepchange

    Erik Ribsskog

    Problems with Virgin Broadband
    Erik Ribsskog Sun, Aug 3, 2014 at 5:48 AM

    To: Q&A

    Cc: OCCtelecoms@ofcom.org.uk
    Bcc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Hi,

    in May/June someone sent an impersonation e-mail in my name, to the
    Jobcentre, saying that I had started working for Packaging Europe, (in
    Norwich), again, (like I did, in 2007 and 2008).

    This was just some kind of terror attach or a practical joke, (from
    someone I don’t know), it seems.

    But anyway it resultet in that the Jobcentre stopped my allowance.

    And they owe me allowance-money, from these dates, since January:

    31/1 to 21/2.

    8/3 to 30/3.

    23/5 to 9/6.

    20/6 to 3/7.

    And 4/7 to 17/7.

    So I didn’t pay the Virgin-bill for June, (since I’ve also read
    something about that one have a an around £130 credit, if I’m not
    mistaking, on ones Virgin-account).

    But then, due to the impersonation-email, I only got around £100, from
    the Jobcentre, early in July.

    (A delayed payment).

    And then, Virgin had put a charge and one more month, on my bill, and
    it was then around £70.

    I had to use those £100 on living-expenses.

    But I thought I’d pay the Virgin-bill, when I got the next
    jobseekers-allowance-payment, that also was due, in the beginning of
    July.

    And also there was an allowance-payment due, later in July.

    But I didn’t get any of these two payments, (see above).

    And then the Virgin-bill grew to 99.90.

    I then I got a credit-card-call, from Vanquis, on 24/7, (after I had
    applied for a few credit-cards, after RBS sent me a form, for applying
    for a credit-card, with no letter, but it reminded me I could try
    apply for credit-cards, since I was quite hungry, since I had had
    litle money and food, in the last months).

    Vanquis transfered £100 to my RBS-account, on 25/7.

    But I needed these for living-expenses.

    And also the internet-line, was closed by Virgin, at the beginning of July.

    So why do they charge me for July and August, if they have closed the
    line, and I can’t use it?

    Also, they sent me a letter, writing that I could pay them what I could afford.

    And I could only afford to pay them ten pence.

    (Since I didn’t get the jobseekers-allowance).

    But still they closed the line, even if I made a token-payment.

    Virgin don’t have an e-mail-address.

    (At least not one that I’ve managed to find, on their website.

    So I don’t think it’s easy to communicate with them).

    They also broke my printer, and drilled an extra whole in my wall,
    when they installed the broadband-line, a bit more than a year ago.

    And they also visited me a total of three or four times, with a total
    of five or six engieneers, to install the broadband-line, as I
    remember it.

    I tried to complain to Ofcom, but they also didn’t have their
    e-mail-address, on their website.

    (Even if I managed to find one, to some Graham Howell, I think it was,
    when I searched on their website, a long time, some months ago).

    But I haven’t gotten any compensation, for that Virgin broke my
    printer, (I fixed it with super-glue, but anyway), and distryed my
    lounge (a bit at least), with this extra whole, in the wall, (that the
    enigneer put silver in, he said).

    And now this bill, for an internet-line, that I haven’t been able to
    use, due to that Virgin closed it, even if I made a token-payment.

    And they also threaten me with legal-threats, etc.

    So I complain about this, to Stepchange and Ofcom.

    I would have sent an e-mail to Virgin, but I don’t have their e-mail-address.

    Perhaps you could send it on to them, I was wondering.

    Best regards,

    Erik Ribsskog


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    PS.

    Her er vedleggene:

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  • Jeg sendte et nytt brev til United Utilities

    Erik Ribsskog

    Update/Fwd: To: the Managing Director/Fwd: Update/Fwd: To: Sarah Williams, Customer Relations. Your ref: CAS14-0035+4051-SW
    Erik Ribsskog Sun, Jun 8, 2014 at 7:51 PM

    To: United Utilities
    Cc: Q&A
    Bcc:
    Colin Simber , Henrik
    Wedell-Wedellsborg , “emb.london”
    , HRW UK , amnestyis
    , Politikk Høyre ,
    Phso Enquiries , post , Akademikerforbundet , LHT Customer Service
    , Pia Ribsskog , Bjørn
    Ribsskog , she ,
    “hv-02.kontakt” , “anne-kathrine.skodvin”
    , post , “EUteam@amnesty.org”
    , “SCT@amnesty.org.uk”
    , hofmarskallatet@kongehuset.dk,
    Vernepliktsverkets kontaktsenter ved Wenche Molstad
    , post@slottet.no, Runcorn Office
    , Info , Benefits
    Service ,
    “steve.rotheram.mp” , LO
    Postkasse LO , CONTACT-US
    , Contact-Us
    , “sande.vgs”
    , “president@ansa.no” ,
    Google Press ,
    rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Hi,

    I got a new letter from you yesterday, (which I attach a scanned copy of).

    It seems you have now sent me a new payment-card, for the immigrants-shop.

    I have a payment-card like that, from before.

    (Which I’ve used, when I’ve been paying the monthly token-payments).

    But I’ve lately found out, that I can pay the token-payments, from your website.

    (It’s a bit like you send me to the Al Quaida, when you send me these
    payment-cards, I think.

    Since only immigrant shops accept these cards, it seems).

    So this letter is a distraction, I’d say.

    I haven’t asked for a new card like this, (I have a card like that,
    from before).

    Just as an update.

    Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Jun 6, 2014 at 6:17 PM
    Subject: To: the Managing Director/Fwd: Update/Fwd: To: Sarah
    Williams, Customer Relations. Your ref: CAS14-0035+4051-SW
    To: United Utilities <Customer.service@uuplc.co.uk>
    Cc: Q&A <contactus@stepchange.org>

    Hi,

    it’s seams you have sent me two replies, two my e-mail, from 30/5.

    So I think this is caos.

    I’ve thought more about this now.

    And our original agreement, was that I paid you £1 monthly token-payments.

    Untill I got a job.

    So all these writings from you, about that you no longer like this
    agreement, is just ‘gypsy-stuff’, I think.

    I’ve been advised by Stepchange, to continue to pay you the monthy
    token-payments, (of £1).

    And I’m going to continue to do that.

    And I hope you stop with all this ‘gypsy-stuff’, (I think I have to call it).

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Mon, Jun 2, 2014 at 5:05 AM
    Subject: Update/Fwd: To: Sarah Williams, Customer Relations. Your ref:
    CAS14-0035+4051-SW
    To: United Utilities <Customer.service@uuplc.co.uk>
    Cc: Q&A <contactus@stepchange.org>

    Hi,

    I’ve thought more about this now.

    It’s perhaps a bit complicated, with all the tarifs.

    So perhaps I could just go back, to the payment-plan, which I had,
    back in 2011, I was thinking.

    Then I paid you £5 a month, (if I’m not mistaking).

    I hope this is alright!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, May 30, 2014 at 1:21 AM
    Subject: To: Sarah Williams, Customer Relations. Your ref: CAS14-0035+4051-SW
    To: United Utilities <Customer.service@uuplc.co.uk>
    Cc: Q&A <contactus@stepchange.org>

    Hi,

    I’m refering to your letter of 28/5, which I received today, (Thursday).

    If I could do one thing at a time, then I think I would like to please
    apply for a support tariff.

    (Since you don’t want me to pay token-payments any longer).

    I hope that’s alright, and that I can get the tariff that cost the
    least, (£117), if I’m eligable for it, since I don’t have that much
    money, on my budget, for this cost, unfortunately.

    Hope this is alright!

    Yours sincerely,

    Erik Ribsskog

    PS.

    I attach a scanned copy of the letter, and send a copy e-mail to
    Stepchange, since I’ve earlier updated them about the case.


    brev united utilities.jpg
    140K




    PS.



    Her er vedlegget:



    brev united utilities

  • Jeg sendte en e-post til Stepchange

    Erik Ribsskog

    StepChange Debt Charity
    Erik Ribsskog Sat, May 31, 2014 at 11:47 PM

    To: Q&A
    Cc: United Utilities

    Hi,

    thanks for the reply!

    I’m going to wait untill I hear from United Utilities, about if I can
    get the lowest tarif, before I decide what to do next.

    So it could be that I contact you again, when I hear back from United Utilities.

    Thanks for the reply anyway!

    Regards,

    Erik Ribsskog

    On Fri, May 30, 2014 at 11:58 AM, Q&A <contactus@stepchange.org> wrote:
    > Hi Eric
    >
    > Thanks for sending us a copy of this correspondence.
    >
    > It looks as though United Utilities have a number of ways in which
    they can help you manage your bills. Switching to a cheaper tariff would
    definitely help and I would definitely look further into any grants
    that they offer towards the arrears.
    >
    > We would encourage you to try to budget so that you can cover your
    ongoing usage for your utility bills. We would recommend paying the £1
    token payment towards the arrears rather than the whole bill. This will
    stop you falling further behind with payments.
    >
    > Please keep in touch with us and let us know if we can be of further assistance.
    >
    >
    > Lucy
    > Web Helpline Advisor
    >
    >
    >
    >
    >
    > 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
    >
    >  —–Original Message—–
    > From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    > Sent: 30 May 2014 01:21
    > To: United Utilities
    > Cc: Q&A
    > Subject: To: Sarah Williams, Customer Relations. Your ref: CAS14-0035+4051-SW
    >
    > Hi,
    >
    > I’m refering to your letter of 28/5, which I received today, (Thursday).
    >
    > If I could do one thing at a time, then I think I would like to please apply for a support tariff.
    >
    > (Since you don’t want me to pay token-payments any longer).
    >
    > I hope that’s alright, and that I can get the tariff that cost the
    least, (£117), if I’m eligable for it, since I don’t have that much
    money, on my budget, for this cost, unfortunately.
    >
    > Hope this is alright!
    >
    > Yours sincerely,
    >
    > Erik Ribsskog
    >
    > PS.
    >
    > I attach a scanned copy of the letter, and send a copy e-mail to
    Stepchange, since I’ve earlier updated them about the case.
    >
    > 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.
    > Authorised and regulated by the Financial Conduct Authority.

  • Jeg sendte en e-post til Stepchange


    Gmail – StepChange Debt Charity





    Gmail
    Erik Ribsskog




    StepChange Debt Charity




    Erik Ribsskog
    Fri, May 16, 2014 at 1:23 AM


    To:
    Q&A


    Cc:
    United Utilities


    Hi, thank you for your e-mail! I’m going to continue to pay United Utilites token-payments of £1 each month then. And I’m going to have a look at their website, and read more about their grants, to do with arrears.
    Thank you very much for the advice regarding this!
    Best regards,
    Erik Ribsskog
    On Tue, May 13, 2014 at 4:17 PM, Q&A <contactus@stepchange.org> wrote:




    Hi Erik


    Thank you for your email, I understand you requested a response from a line manager and I hope to be able to clarify things for you. I know advice about debt can be a little confusing at
    times.


    If you could provide us with your client reference number or your full address I will be able to locate your budget and details of the advice we have given you. However I am able to give
    you general advice about token payments.


    There is no time limit when it comes to a token payment arrangement, it is a way of showing you know the debt is yours, but you are not able to repay it at the moment.


    The reason we view it as a short term solution is because creditors are often unhappy with receiving token amounts for a long period of time.  Creditors are not obliged to accept a token
    payment but they often do because they can see by your budget that it is all you can afford.  Token payments often provide you with breathing space until you have a change of circumstances, like a return to employment.  You mention you are continuing to look
    for work which shows you are doing all you can in the situation you are in.

    If United Utilities are unhappy with  the token payment our advice would be to make the payment anyway.  It would definitely be beneficial if you returned to us for an updated review of your budget so you can provide them with up to date paperwork.   You may
    find they are more willing to accept a token payment with recent paperwork from us, supporting your offer. The best way for you to review things would be to speak to one of our advisors by calling our Helpline on 0800 138 1111.  They are open from 8am to 8pm
    Monday to Friday and Saturdays 8am to 4pm.  


    United Utilities do offer a trust fund for customers who are in financial hardship, and may be able to help you with a grant to pay some or all of your arrears.  It’s definitely worth looking
    in to and you can download an application form from their website: www.uutf.org.uk.

    Remember if your situation hasn’t changed and you can only afford a small amount, continue to make the payment even if United Utilities are unhappy.


    We look forward to your call so we can update your budget and continue to support you with your debts.


    Beth Lockley

    Web Helpline Team Leader.




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

    Sent: 12 May 2014 18:19
    To: Q&A Cc: United Utilities Subject: Re: StepChange Debt Charity












    Hi,

    I contacted you about this around 2009, I think it was. And then you mentioned token-payments untill I got a new job.

    You didn’t mention anything about this only being a short-term solution. It’s a bit vague then.

    What’s the year-limits for using token-payments? That doesn’t add up, I think, that there is such a year-limit. I apply for jobs all the time, but there has been a finance crisis, that has led to the jobmarket being difficult.

    I also don’t agree that this is to do with goodwill. In Norway we have a saying, that an agreement is an agreement.

    (‘En avtale er en avtale’).

    So eighter there is an agreement, or eighter there isn’t. And agreement should be respected, I think.

    So I want to escalate this case please, to your line-manager at Stepchange, if that’s ok. Thanks in advance for sending this case on to your line-manager.

    Regards, Erik Ribsskog
















    On Mon, May 12, 2014 at 10:53 AM, Q&A <contactus@stepchange.org> wrote:



    Hi Erik Thanks for contacting us, we’ll do everything we can to help you. It’s important to remember that token payments are meant as a short-term solution and any agreements between you and your creditors would be on a goodwill basis only. Your creditors do have the right to take further action with the debts if they decide that
    the payments you are making aren’t enough. I understand that because of your situation you may not be able to increase payments therefore I feel you would benefit from putting together a new budget with us to see what the best solution is to help you deal with the debts.
    You can do this by calling our free Helpline on 0800 138 1111. We are available Monday to Friday 8am to 8pm and Saturday 8am to 4pm and the call is free from landline and all UK mobiles. I hope this helps, we look forward to speaking to you soon. Rory Web Helpline Advisor

    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.


    —–Original Message—– From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 11 May 2014 14:14 To: Q&A Cc: United Utilities Subject: Re: StepChange Debt Charity     Hi, I’ve been paying United Utilities token-payments, (of £1), for years. We have an agreement about that I would pay them token-payments, untill I get a job. And now they want to break this agreement, it seems. So that’s why I’ve sent about this to you now. So that you can tell United Utilities that they can’t break an agreement. I learned about token-payments when I contacted you, (CCCS), around 2009. Best regards,

    Erik *


    On Wed, May 7, 2014 at 5:55 PM, Q&A <contactus@stepchange.org> wrote: > Hi Erik > > Thanks for taking the time to get in touch with us. > > I  understand from your email that you’re currently experiencing financial difficulty with regards to your water and other household bills. This is a situation we can offer you help you with and advise you on. > > You mentioned in your email that you’ve previously spoken to us under our old name ‘CCCS’ if you’re an existing client I would advise that you call us so that we can discuss your situation in more detail. Our direct number is 0800 138 1111, we’re open
    Monday to Friday 8am to 8pm, Saturday 8am to 6pm. > > I hope this email is helpful, please let me know if there is anything else I can do for you. > > > Dan > Web Helpline advisor > > > > > 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 > > Please consider the environment before printing this email. >  —–Original Message—– > * > > Hi, > > I’m refering to your letter of 29/4 regarding this case. > > You write you can’t accept my token payment-offer and that you can’t discuss this in writing. > > I think that you don’t want to keep this in writing could indicate that you have something to hide. > > And I send a copy of this e-mail to Stephchange, so that they can advice me how to go forward with this case. > > And then I’ll contact you back when I’ve heard from them. > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I want to keep this in writing, please. > > I have been adviced to pay in this way, (by token-payments), by CCCS who are now called Stepchange, I think. > > (Your title is Customer Experience. > > Shouldn’t it be something like Customer Service, I was wondering when I read your letter). > > Regards, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I’m refering to your letter of 15/4, which I recieved earlier this week, (and which I attach a scanned copy of). > > I haven’t really sent you an e-mail, on 14/4, (about you contacting me by phone). > > I sent you an e-mail on 13/4, (see in the forwarded e-mail). > > I sometimes blog about budget-stuff, and I wondering if someone have sent you a funny e-mail, after reading about budget-stuff, on my blog. > > You should just focus on the forwareded e-mail, and ignore the other e-mail, (that you say you got on 14/4). > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > > Hi, > > I asked for this case to be escalated to David Rudd’s line-manager. > > It doesn’t seem to me, that this has been done. > > So it seems to me, that you have some problems, with your organisation. > > So what I’m going to do, is that I’m going to send you a payment today, for £1, (I’ll pay on your website). > > Then I’m going to continue to pay £1 a month, (by the 13th of each month), like previously agreed. > > (Untill I find a new job. > > Since I’m unfortunately unemployed). > > > Hope this is alright! > > Yours sincerely, > > Erik * > > > On Thu, Apr 10, 2014 at 8:55 AM, United Utilities <
    Customer.service@uuplc.co.uk    > wrote: > >>         [image: United Utilities] >> >> Dear Mr * >> >> >> >> Our ref: CAS14-0025-9159 >> >> >> >> Thank you for your contact received on 3 April 2014 regarding your >> offer of payment on your water account. >> >> >> >> Your offer of £1.00 per month is too low for me to set on your >> account as it will not clear your outstanding balance. >> >> >> Your account is currently with Concilia Debt Recovery, please contact
    >> them on 0845 309 4092 to discuss a suitable payment arrangement. >> Failure to make payments on your account will lead to further debt action. >> >> If you are having difficulty with making your payments then please do
    >> not ignore this letter. You could be eligible for one of the Payment >> Assistance Schemes we offer here at United Utilities. You can find >> some information about these schemes at
    unitedutilities.com/home-diffuculty-paying-bill    . >> >> >> >> If you prefer you can make an appointment at your local Citizens >> Advice Bureau and they can complete a financial statement for you. >> >> >> Please be aware that we also share information about your payment >> behaviour with a Credit Reference Agency. For more information see >> unitedutilities.com/personaldetails. >> >> I trust the information provided will be of assistance to you. >> >> >> >> Yours sincerely >> >> >> >> David * >> >> Customer Advisor >> >> >> >> >> >> If you need to contact us again, here are some options: >> >> >> >> 1.   Visit our website
    unitedutilities.com    <http://www.unitedutilities.com/default.aspx>where you can register with >> MyAccount >> <https://myaccount.unitedutilities.com/secure/Pages/login.aspx>to >> manage youraccount online or complete the Contact Us >> <http://www.unitedutilities.com/Contactus.aspx> form >> >> 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 >> am to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> >> 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> >> 4.   Click reply to this email >> >> © United Utilities Group PLC 2013 >> >> >> ——————- Original Message ——————- *From:*Erik >> Ribsskog >> *Received:* 03/04/2014 15:34 >> *To:* United Utilities >> *Cc:* CONTACT-US@dwp.gsi.gov.uk;
    Contact-Us@jobcentreplus.gsi.gov.uk >> *Subject:* Your letter of 27/3/Fwd: Your response from United >> Utilities >> CAS14:00083000000173 >> >> Hi, >> >> I’m refering to your bill from 27/3, (my account number is: * in the letter). >> >> I’m still unemployed, and on a budget. >> >> So I can only offer to pay token-payments of £1, (like in the last >> years), a month, untill I get a job. >> >> Then I’m going to set up a new budget and contact you back. >> >> At the moment I haven’t gotten my jobseekers-allowance from 31/1 to >> 21/2, and not eighter from 6/3 to todays date. >> >> But I hope to get these moneys as soon as possible, but I >> unfortunately can’t say exactly when, since the Jobcentre seems to be
    >> a bit poorly organised, (at least this is my opinion, from being >> unemployed for years now). >> >> Hope this is alright! >> >> Yours sincerely, >> >> Erik * >> >> >> ———- Forwarded message ———- > * >> >> Hi, >> >> I don’t have any credit on my mobile now, you see. >> >> But I’ve read on a message board on the internet, that Concilia is >> really a part of United Utilities, so I wondered if you could just >> forward this e-mail to them. >> >> Thanks in advance for any help! >> >> Best regards, >> >> Erik * >> >> >> On 3/31/14, United Utilities <Customer.service@uuplc.co.uk> wrote: >> > >> > [image: United Utilities] >> > >> > Dear Mr * >> > >> > >> > >> > Our ref: CAS14-0022-7742 >> > >> > >> > >> > Thank you for your contact received on 25 March 2014 regarding your
    >> > water account. >> > >> > >> > >> > Your account is currently with Concilia Debt Recovery, please >> > contact them on 0845 309 4092 to discuss a suitable payment arrangement. >> > >> > >> > >> > We may be able to help you with one of the schemes that we have >> > available for people who are experiencing financial difficulties. >> > Please call this office on 0845 746 2034 and a member of our >> > specialist team will be able to help you. If you prefer you can >> > make an appointment at your local Citizens Advice Bureau and they can complete a financial statement for you. >> > >> > >> > >> > Failure to make payments on your account will lead to further debt action. >> > >> > >> > >> > Please be aware that we also share information about your payment >> > behaviour with a Credit Reference Agency. For more information see >> > unitedutilities.com/personaldetails. >> > >> > >> > >> > I trust the information provided will be of assistance to you. >> > >> > >> > >> > Yours sincerely >> > >> > >> > >> > Amanda * >> > >> > Customer Advisor >> > >> > >> > >> > >> > >> > If you need to contact us again, here are some options: >> > >> > >> > >> > 1.   Visit our website
    unitedutilities.com     where you can register with >> > MyAccount to manage your account online or complete the Contact Us >> > form >> > >> > 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 am >> > to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> > >> > 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> > >> > 4.   Click reply to this email >> > >> > © United Utilities Group PLC 2013 >> > >> > >> > ===================================================================

    >> > = ====================================================

    >> > The information contained in this e-mail is intended only for the >> > individual to whom it is addressed. It may contain legally >> > privileged or confidential information or otherwise be exempt from >> > disclosure. If you have received this Message in error or there are
    >> > any problems, please notify the sender immediately and delete the >> > message from your computer. You must not use, disclose, copy or >> > alter this message for any unauthorised purpose. Neither United >> > Utilities Group PLC nor any of its subsidiaries will be liable for >> > any direct, special, indirect or consequential damages as a result >> > of any virus being passed on, or arising from the alteration of the
    >> > contents of this message by a third party. United Utilities Group >> > PLC, Haweswater House, Lingley Mere Business Park, Lingley Green >> > Avenue, Great Sankey, Warrington, >> > WA5 3LP Registered in England and Wales. Registered No 6559020 >> > www.unitedutilities.com
    www.unitedutilities.com/subsidiaries >> > =================================================================== >> > = ==================================================== >> >> >> =====================================================================

    >> = ==================================================


    >> The information contained in this e-mail is intended only for the >> individual to whom it is addressed. It may contain legally privileged
    >> or confidential information or otherwise be exempt from disclosure. >> If you have received this Message in error or there are any problems,
    >> please notify the sender immediately and delete the message from your computer. >> You must not use, disclose, copy or alter this message for any >> unauthorised purpose. Neither United Utilities Group PLC nor any of >> its subsidiaries will be liable for any direct, special, indirect or >> consequential damages as a result of any virus being passed on, or >> arising from the alteration of the contents of this message by a >> third party. United Utilities Group PLC, Haweswater House, Lingley >> Mere Business Park, Lingley Green Avenue, Great Sankey, Warrington, >> WA5 3LP Registered in England and Wales. Registered No >> 6559020 www.unitedutilities.com >> www.unitedutilities.com/subsidiaries================================= >> = >> ===================================================================== >> = >> ================ >> > > —————————————————————– > 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.

  • Mer om budsjett


    Gmail – StepChange Debt Charity





    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>




    StepChange Debt Charity




    Erik Ribsskog
    <eribsskog@gmail.com>
    Mon, May 12, 2014 at 6:18 PM


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


    Cc:
    United Utilities <Customer.service@uuplc.co.uk>


    Hi,
    I contacted you about this around 2009, I think it was. And then you mentioned token-payments untill I got a new job.
    You didn’t mention anything about this only being a short-term solution.
    It’s a bit vague then.
    What’s the year-limits for using token-payments? That doesn’t add up, I think, that there is such a year-limit. I apply for jobs all the time, but there has been a finance crisis, that has led to the jobmarket being difficult.
    I also don’t agree that this is to do with goodwill. In Norway we have a saying, that an agreement is an agreement.
    (‘En avtale er en avtale’).
    So eighter there is an agreement, or eighter there isn’t.
    And agreement should be respected, I think.
    So I want to escalate this case please, to your line-manager at Stepchange, if that’s ok. Thanks in advance for sending this case on to your line-manager.
    Regards, Erik Ribsskog
    On Mon, May 12, 2014 at 10:53 AM, Q&A <contactus@stepchange.org> wrote:



    Hi Erik Thanks for contacting us, we’ll do everything we can to help you. It’s important to remember that token payments are meant as a short-term solution and any agreements between you and your creditors would be on a goodwill basis only. Your creditors do have the right to
    take further action with the debts if they decide that the payments you are making aren’t enough.     I understand that because of your situation you may not be able to increase payments therefore I feel you would benefit from putting together a new budget with us to see what the best solution is to help
    you deal with the debts.     You can do this by calling our free Helpline on 0800 138 1111. We are available Monday to Friday 8am to 8pm and Saturday 8am to 4pm and the call is free from landline and all UK mobiles. I hope this helps, we look forward to speaking to you soon. Rory Web Helpline Advisor

    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.

    —–Original Message—– From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 11 May 2014 14:14 To: Q&A Cc: United Utilities Subject: Re: StepChange Debt Charity Hi, I’ve been paying United Utilities token-payments, (of £1), for years. We have an agreement about that I would pay them token-payments, untill I get a job. And now they want to break this agreement, it seems. So that’s why I’ve sent about this to you now. So that you can tell United Utilities that they can’t break an agreement. I learned about token-payments when I contacted you, (CCCS), around 2009. Best regards,
    Erik *

    On Wed, May 7, 2014 at 5:55 PM, Q&A <contactus@stepchange.org> wrote: > Hi Erik > > Thanks for taking the time to get in touch with us. > > I  understand from your email that you’re currently experiencing financial difficulty with regards to your water and other household bills. This is a situation we can offer you help you with and advise you on. > > You mentioned in your email that you’ve previously spoken to us under our old name ‘CCCS’ if you’re an existing client I would advise that you call us so that we can discuss your situation in more detail. Our direct number is 0800
    138 1111, we’re open Monday to Friday 8am to 8pm, Saturday 8am to 6pm. > > I hope this email is helpful, please let me know if there is anything else I can do for you. > > > Dan > Web Helpline advisor > > > > > 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 > > Please consider the environment before printing this email. >  —–Original Message—– > * > > Hi, > > I’m refering to your letter of 29/4 regarding this case. > > You write you can’t accept my token payment-offer and that you can’t discuss this in writing. > > I think that you don’t want to keep this in writing could indicate that you have something to hide. > > And I send a copy of this e-mail to Stephchange, so that they can advice me how to go forward with this case. > > And then I’ll contact you back when I’ve heard from them. > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I want to keep this in writing, please. > > I have been adviced to pay in this way, (by token-payments), by CCCS who are now called Stepchange, I think. > > (Your title is Customer Experience. > > Shouldn’t it be something like Customer Service, I was wondering when I read your letter). > > Regards, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I’m refering to your letter of 15/4, which I recieved earlier this week, (and which I attach a scanned copy of). > > I haven’t really sent you an e-mail, on 14/4, (about you contacting me by phone). > > I sent you an e-mail on 13/4, (see in the forwarded e-mail). > > I sometimes blog about budget-stuff, and I wondering if someone have sent you a funny e-mail, after reading about budget-stuff, on my blog. > > You should just focus on the forwareded e-mail, and ignore the other e-mail, (that you say you got on 14/4). > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > > Hi, > > I asked for this case to be escalated to David Rudd’s line-manager. > > It doesn’t seem to me, that this has been done. > > So it seems to me, that you have some problems, with your organisation. > > So what I’m going to do, is that I’m going to send you a payment today, for £1, (I’ll pay on your website). > > Then I’m going to continue to pay £1 a month, (by the 13th of each month), like previously agreed. > > (Untill I find a new job. > > Since I’m unfortunately unemployed). > > > Hope this is alright! > > Yours sincerely, > > Erik * > > > On Thu, Apr 10, 2014 at 8:55 AM, United Utilities <
    Customer.service@uuplc.co.uk    > wrote: > >>         [image: United Utilities] >> >> Dear Mr * >> >> >> >> Our ref: CAS14-0025-9159 >> >> >> >> Thank you for your contact received on 3 April 2014 regarding your
    >> offer of payment on your water account. >> >> >> >> Your offer of £1.00 per month is too low for me to set on your
    >> account as it will not clear your outstanding balance. >> >> >> Your account is currently with Concilia Debt Recovery, please contact
    >> them on 0845 309 4092 to discuss a suitable payment arrangement. >> Failure to make payments on your account will lead to further debt action. >> >> If you are having difficulty with making your payments then please do
    >> not ignore this letter. You could be eligible for one of the Payment
    >> Assistance Schemes we offer here at United Utilities. You can find
    >> some information about these schemes at unitedutilities.com/home-diffuculty-paying-bill. >> >> >> >> If you prefer you can make an appointment at your local Citizens
    >> Advice Bureau and they can complete a financial statement for you. >> >> >> Please be aware that we also share information about your payment
    >> behaviour with a Credit Reference Agency. For more information see
    >> unitedutilities.com/personaldetails. >> >> I trust the information provided will be of assistance to you. >> >> >> >> Yours sincerely >> >> >> >> David * >> >> Customer Advisor >> >> >> >> >> >> If you need to contact us again, here are some options: >> >> >> >> 1.   Visit our website unitedutilities.com<http://www.unitedutilities.com/default.aspx>where you can register with >> MyAccount >> <https://myaccount.unitedutilities.com/secure/Pages/login.aspx>to >> manage youraccount online or complete the Contact Us
    >> <http://www.unitedutilities.com/Contactus.aspx> form >> >> 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 >> am to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> >> 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> >> 4.   Click reply to this email >> >> © United Utilities Group PLC 2013 >> >> >> ——————- Original Message ——————- *From:*Erik
    >> Ribsskog >> *Received:* 03/04/2014 15:34 >> *To:* United Utilities >> *Cc:* CONTACT-US@dwp.gsi.gov.uk;
    Contact-Us@jobcentreplus.gsi.gov.uk >> *Subject:* Your letter of 27/3/Fwd: Your response from United
    >> Utilities >> CAS14:00083000000173 >> >> Hi, >> >> I’m refering to your bill from 27/3, (my account number is: * in the letter). >> >> I’m still unemployed, and on a budget. >> >> So I can only offer to pay token-payments of £1, (like in the last
    >> years), a month, untill I get a job. >> >> Then I’m going to set up a new budget and contact you back. >> >> At the moment I haven’t gotten my jobseekers-allowance from 31/1 to
    >> 21/2, and not eighter from 6/3 to todays date. >> >> But I hope to get these moneys as soon as possible, but I
    >> unfortunately can’t say exactly when, since the Jobcentre seems to be
    >> a bit poorly organised, (at least this is my opinion, from being
    >> unemployed for years now). >> >> Hope this is alright! >> >> Yours sincerely, >> >> Erik * >> >> >> ———- Forwarded message ———- > * >> >> Hi, >> >> I don’t have any credit on my mobile now, you see. >> >> But I’ve read on a message board on the internet, that Concilia is
    >> really a part of United Utilities, so I wondered if you could just
    >> forward this e-mail to them. >> >> Thanks in advance for any help! >> >> Best regards, >> >> Erik * >> >> >> On 3/31/14, United Utilities <Customer.service@uuplc.co.uk> wrote: >> > >> > [image: United Utilities] >> > >> > Dear Mr * >> > >> > >> > >> > Our ref: CAS14-0022-7742 >> > >> > >> > >> > Thank you for your contact received on 25 March 2014 regarding your
    >> > water account. >> > >> > >> > >> > Your account is currently with Concilia Debt Recovery, please
    >> > contact them on 0845 309 4092 to discuss a suitable payment arrangement. >> > >> > >> > >> > We may be able to help you with one of the schemes that we have
    >> > available for people who are experiencing financial difficulties. >> > Please call this office on 0845 746 2034 and a member of our
    >> > specialist team will be able to help you. If you prefer you can
    >> > make an appointment at your local Citizens Advice Bureau and they can complete a financial statement for you. >> > >> > >> > >> > Failure to make payments on your account will lead to further debt action. >> > >> > >> > >> > Please be aware that we also share information about your payment
    >> > behaviour with a Credit Reference Agency. For more information see
    >> > unitedutilities.com/personaldetails. >> > >> > >> > >> > I trust the information provided will be of assistance to you. >> > >> > >> > >> > Yours sincerely >> > >> > >> > >> > Amanda * >> > >> > Customer Advisor >> > >> > >> > >> > >> > >> > If you need to contact us again, here are some options: >> > >> > >> > >> > 1.   Visit our website unitedutilities.com where you can register with >> > MyAccount to manage your account online or complete the Contact Us
    >> > form >> > >> > 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 am >> > to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> > >> > 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> > >> > 4.   Click reply to this email >> > >> > © United Utilities Group PLC 2013 >> > >> > >> > ===================================================================
    >> > = ====================================================

    >> > The information contained in this e-mail is intended only for the
    >> > individual to whom it is addressed. It may contain legally
    >> > privileged or confidential information or otherwise be exempt from
    >> > disclosure. If you have received this Message in error or there are
    >> > any problems, please notify the sender immediately and delete the
    >> > message from your computer. You must not use, disclose, copy or
    >> > alter this message for any unauthorised purpose. Neither United
    >> > Utilities Group PLC nor any of its subsidiaries will be liable for
    >> > any direct, special, indirect or consequential damages as a result
    >> > of any virus being passed on, or arising from the alteration of the
    >> > contents of this message by a third party. United Utilities Group
    >> > PLC, Haweswater House, Lingley Mere Business Park, Lingley Green
    >> > Avenue, Great Sankey, Warrington, >> > WA5 3LP Registered in England and Wales. Registered No 6559020
    >> > www.unitedutilities.com
    www.unitedutilities.com/subsidiaries >> > =================================================================== >> > = ==================================================== >> >> >> =====================================================================
    >> = ==================================================

    >> The information contained in this e-mail is intended only for the
    >> individual to whom it is addressed. It may contain legally privileged
    >> or confidential information or otherwise be exempt from disclosure.
    >> If you have received this Message in error or there are any problems,
    >> please notify the sender immediately and delete the message from your computer. >> You must not use, disclose, copy or alter this message for any
    >> unauthorised purpose. Neither United Utilities Group PLC nor any of
    >> its subsidiaries will be liable for any direct, special, indirect or
    >> consequential damages as a result of any virus being passed on, or
    >> arising from the alteration of the contents of this message by a
    >> third party. United Utilities Group PLC, Haweswater House, Lingley
    >> Mere Business Park, Lingley Green Avenue, Great Sankey, Warrington,
    >> WA5 3LP Registered in England and Wales. Registered No >> 6559020 www.unitedutilities.com >>
    www.unitedutilities.com/subsidiaries    ================================= >> = >> ===================================================================== >> = >> ================ >> > > —————————————————————– > 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 e-post til Stepchange


    Gmail – StepChange Debt Charity





    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>




    StepChange Debt Charity




    Erik Ribsskog
    <eribsskog@gmail.com>
    Sun, May 11, 2014 at 2:14 PM


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


    Cc:
    United Utilities <Customer.service@uuplc.co.uk>


    Hi, I’ve been paying United Utilities token-payments, (of £1), for years. We have an agreement about that I would pay them token-payments, untill I get a job.
    And now they want to break this agreement, it seems. So that’s why I’ve sent about this to you now. So that you can tell United Utilities that they can’t break an agreement. I learned about token-payments when I contacted you, (CCCS), around 2009. Best regards, Erik Ribsskog On Wed, May 7, 2014 at 5:55 PM, Q&A <contactus@stepchange.org> wrote: > Hi Erik > > Thanks for taking the time to get in touch with us. > > I  understand from your email that you’re currently experiencing financial difficulty with regards to your water and other household bills. This is a situation we can offer you help you with and advise you on. > > You mentioned in your email that you’ve previously spoken to us under our old name ‘CCCS’ if you’re an existing client I would advise that you call us so that we can discuss your situation in more detail. Our direct number is 0800 138 1111, we’re open Monday to Friday 8am to 8pm, Saturday 8am to 6pm. > > I hope this email is helpful, please let me know if there is anything else I can do for you. > > > Dan > Web Helpline advisor > > > > > 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 > > Please consider the environment before printing this email. >  —–Original Message—– > * > > Hi, > > I’m refering to your letter of 29/4 regarding this case. > > You write you can’t accept my token payment-offer and that you can’t discuss this in writing. > > I think that you don’t want to keep this in writing could indicate that you have something to hide. > > And I send a copy of this e-mail to Stephchange, so that they can advice me how to go forward with this case. > > And then I’ll contact you back when I’ve heard from them. > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I want to keep this in writing, please. > > I have been adviced to pay in this way, (by token-payments), by CCCS who are now called Stepchange, I think. > > (Your title is Customer Experience. > > Shouldn’t it be something like Customer Service, I was wondering when I read your letter). > > Regards, > > Erik * > > > ———- Forwarded message ———- > * > > Hi, > > I’m refering to your letter of 15/4, which I recieved earlier this week, (and which I attach a scanned copy of). > > I haven’t really sent you an e-mail, on 14/4, (about you contacting me by phone). > > I sent you an e-mail on 13/4, (see in the forwarded e-mail). > > I sometimes blog about budget-stuff, and I wondering if someone have sent you a funny e-mail, after reading about budget-stuff, on my blog. > > You should just focus on the forwareded e-mail, and ignore the other e-mail, (that you say you got on 14/4). > > Hope this is alright! > > Yours sincerely, > > Erik * > > > ———- Forwarded message ———- > * > > > Hi, > > I asked for this case to be escalated to David Rudd’s line-manager. > > It doesn’t seem to me, that this has been done. > > So it seems to me, that you have some problems, with your organisation. > > So what I’m going to do, is that I’m going to send you a payment today, for £1, (I’ll pay on your website). > > Then I’m going to continue to pay £1 a month, (by the 13th of each month), like previously agreed. > > (Untill I find a new job. > > Since I’m unfortunately unemployed). > > > Hope this is alright! > > Yours sincerely, > > Erik * > > > On Thu, Apr 10, 2014 at 8:55 AM, United Utilities < Customer.service@uuplc.co.uk> wrote: > >>         [image: United Utilities] >> >> Dear Mr * >> >> >> >> Our ref: CAS14-0025-9159 >> >> >> >> Thank you for your contact received on 3 April 2014 regarding your >> offer of payment on your water account. >> >> >> >> Your offer of £1.00 per month is too low for me to set on your account >> as it will not clear your outstanding balance. >> >> >> Your account is currently with Concilia Debt Recovery, please contact >> them on 0845 309 4092 to discuss a suitable payment arrangement. >> Failure to make payments on your account will lead to further debt action. >> >> If you are having difficulty with making your payments then please do >> not ignore this letter. You could be eligible for one of the Payment >> Assistance Schemes we offer here at United Utilities. You can find >> some information about these schemes at unitedutilities.com/home-diffuculty-paying-bill. >> >> >> >> If you prefer you can make an appointment at your local Citizens >> Advice Bureau and they can complete a financial statement for you. >> >> >> Please be aware that we also share information about your payment >> behaviour with a Credit Reference Agency. For more information see >> unitedutilities.com/personaldetails. >> >> I trust the information provided will be of assistance to you. >> >> >> >> Yours sincerely >> >> >> >> David * >> >> Customer Advisor >> >> >> >> >> >> If you need to contact us again, here are some options: >> >> >> >> 1.   Visit our website unitedutilities.com<http://www.unitedutilities.com/default.aspx>where you can register with >> MyAccount >> <https://myaccount.unitedutilities.com/secure/Pages/login.aspx>to >> manage youraccount online or complete the Contact Us >> <http://www.unitedutilities.com/Contactus.aspx> form >> >> 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 >> am to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> >> 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> >> 4.   Click reply to this email >> >> © United Utilities Group PLC 2013 >> >> >> ——————- Original Message ——————- *From:*Erik >> Ribsskog >> *Received:* 03/04/2014 15:34 >> *To:* United Utilities >> *Cc:* CONTACT-US@dwp.gsi.gov.uk; Contact-Us@jobcentreplus.gsi.gov.uk >> *Subject:* Your letter of 27/3/Fwd: Your response from United >> Utilities >> CAS14:00083000000173 >> >> Hi, >> >> I’m refering to your bill from 27/3, (my account number is: * in the letter). >> >> I’m still unemployed, and on a budget. >> >> So I can only offer to pay token-payments of £1, (like in the last >> years), a month, untill I get a job. >> >> Then I’m going to set up a new budget and contact you back. >> >> At the moment I haven’t gotten my jobseekers-allowance from 31/1 to >> 21/2, and not eighter from 6/3 to todays date. >> >> But I hope to get these moneys as soon as possible, but I >> unfortunately can’t say exactly when, since the Jobcentre seems to be >> a bit poorly organised, (at least this is my opinion, from being >> unemployed for years now). >> >> Hope this is alright! >> >> Yours sincerely, >> >> Erik * >> >> >> ———- Forwarded message ———- > * >> >> Hi, >> >> I don’t have any credit on my mobile now, you see. >> >> But I’ve read on a message board on the internet, that Concilia is >> really a part of United Utilities, so I wondered if you could just >> forward this e-mail to them. >> >> Thanks in advance for any help! >> >> Best regards, >> >> Erik * >> >> >> On 3/31/14, United Utilities <Customer.service@uuplc.co.uk> wrote: >> > >> > [image: United Utilities] >> > >> > Dear Mr * >> > >> > >> > >> > Our ref: CAS14-0022-7742 >> > >> > >> > >> > Thank you for your contact received on 25 March 2014 regarding your >> > water account. >> > >> > >> > >> > Your account is currently with Concilia Debt Recovery, please >> > contact them on 0845 309 4092 to discuss a suitable payment arrangement. >> > >> > >> > >> > We may be able to help you with one of the schemes that we have >> > available for people who are experiencing financial difficulties. >> > Please call this office on 0845 746 2034 and a member of our >> > specialist team will be able to help you. If you prefer you can make >> > an appointment at your local Citizens Advice Bureau and they can complete a financial statement for you. >> > >> > >> > >> > Failure to make payments on your account will lead to further debt action. >> > >> > >> > >> > Please be aware that we also share information about your payment >> > behaviour with a Credit Reference Agency. For more information see >> > unitedutilities.com/personaldetails. >> > >> > >> > >> > I trust the information provided will be of assistance to you. >> > >> > >> > >> > Yours sincerely >> > >> > >> > >> > Amanda * >> > >> > Customer Advisor >> > >> > >> > >> > >> > >> > If you need to contact us again, here are some options: >> > >> > >> > >> > 1.   Visit our website unitedutilities.com where you can register with >> > MyAccount to manage your account online or complete the Contact Us >> > form >> > >> > 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 am >> > to 8.00 pm, and Saturday 8.00 am to 5.00 pm. >> > >> > 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR >> > >> > 4.   Click reply to this email >> > >> > © United Utilities Group PLC 2013 >> > >> > >> > ==================================================================== >> > ==================================================== >> > The information contained in this e-mail is intended only for the >> > individual to whom it is addressed. It may contain legally >> > privileged or confidential information or otherwise be exempt from >> > disclosure. If you have received this Message in error or there are >> > any problems, please notify the sender immediately and delete the >> > message from your computer. You must not use, disclose, copy or >> > alter this message for any unauthorised purpose. Neither United >> > Utilities Group PLC nor any of its subsidiaries will be liable for >> > any direct, special, indirect or consequential damages as a result >> > of any virus being passed on, or arising from the alteration of the >> > contents of this message by a third party. United Utilities Group >> > PLC, Haweswater House, Lingley Mere Business Park, Lingley Green >> > Avenue, Great Sankey, Warrington, >> > WA5 3LP Registered in England and Wales. Registered No 6559020 >> > www.unitedutilities.com www.unitedutilities.com/subsidiaries >> > ==================================================================== >> > ==================================================== >> >> >> ====================================================================== >> ================================================== >> The information contained in this e-mail is intended only for the >> individual to whom it is addressed. It may contain legally privileged >> or confidential information or otherwise be exempt from disclosure. If >> you have received this Message in error or there are any problems, >> please notify the sender immediately and delete the message from your computer. >> You must not use, disclose, copy or alter this message for any >> unauthorised purpose. Neither United Utilities Group PLC nor any of >> its subsidiaries will be liable for any direct, special, indirect or >> consequential damages as a result of any virus being passed on, or >> arising from the alteration of the contents of this message by a third >> party. United Utilities Group PLC, Haweswater House, Lingley Mere >> Business Park, Lingley Green Avenue, Great Sankey, Warrington, WA5 3LP >> Registered in England and Wales. Registered No >> 6559020 www.unitedutilities.com >> www.unitedutilities.com/subsidiaries================================== >> ====================================================================== >> ================ >> > > —————————————————————– > 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.

  • Mer om budsjett


    Gmail – Your letter of 29/4/Fwd: Your letter of 24/4. Customer Experience Anthony Keeling. Your ref: CAS14-0030-6738/Fwd: Your letter of 15/4 – Your ref: CAS14-0028-3824/Fwd: Your response from United Utilities CAS14:00906000000039





    Gmail
    Erik Ribsskog
    <eribsskog@gmail.com>




    Your letter of 29/4/Fwd: Your letter of 24/4. Customer Experience Anthony Keeling. Your ref: CAS14-0030-6738/Fwd: Your letter of 15/4 – Your ref: CAS14-0028-3824/Fwd: Your response from United Utilities CAS14:00906000000039




    Erik Ribsskog
    <eribsskog@gmail.com>
    Tue, May 6, 2014 at 4:00 PM


    To:
    Customer Services <Customer.Services@uuplc.co.uk>


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


    Bcc:
    Helle Brynildsen Jahre <hellej@vfk.no>


    Hi, I’m refering to your letter of 29/4 regarding this case. You write you can’t accept my token payment-offer and that you can’t discuss this in writing. I think that you don’t want to keep this in writing could indicate that you have something to hide. And I send a copy of this e-mail to Stephchange, so that they can advice me how to go forward with this case. And then I’ll contact you back when I’ve heard from them. Hope this is alright! Yours sincerely, Erik Ribsskog ———- Forwarded message ———- From: Erik Ribsskog <eribsskog@gmail.com> Date: Mon, 28 Apr 2014 17:23:14 +0100 Subject: Your letter of 24/4. Customer Experience Anthony Keeling. Your ref: CAS14-0030-6738/Fwd: Your letter of 15/4 – Your ref: CAS14-0028-3824/Fwd: Your response from United Utilities CAS14:00906000000039 To: Customer.service@uuplc.co.uk Cc: Q&A <contactus@cccs.co.uk>, Q&A <contactus@stepchange.org> Hi, I want to keep this in writing, please. I have been adviced to pay in this way, (by token-payments), by CCCS who are now called Stepchange, I think. (Your title is Customer Experience. Shouldn’t it be something like Customer Service, I was wondering when I read your letter). Regards, Erik Ribsskog ———- Forwarded message ———- From: Erik Ribsskog <eribsskog@gmail.com> Date: Sat, 19 Apr 2014 23:08:15 +0100 Subject: Your letter of 15/4 – Your ref: CAS14-0028-3824/Fwd: Your response from United Utilities CAS14:00906000000039 To: United Utilities <Customer.service@uuplc.co.uk> Hi, I’m refering to your letter of 15/4, which I recieved earlier this week, (and which I attach a scanned copy of). I haven’t really sent you an e-mail, on 14/4, (about you contacting me by phone). I sent you an e-mail on 13/4, (see in the forwarded e-mail). I sometimes blog about budget-stuff, and I wondering if someone have sent you a funny e-mail, after reading about budget-stuff, on my blog. You should just focus on the forwareded e-mail, and ignore the other e-mail, (that you say you got on 14/4). Hope this is alright! Yours sincerely, Erik Ribsskog ———- Forwarded message ———- From: Erik Ribsskog <eribsskog@gmail.com> Date: Sun, Apr 13, 2014 at 11:32 AM Subject: Re: Your response from United Utilities CAS14:00906000000039 To: United Utilities <Customer.service@uuplc.co.uk> Hi, I asked for this case to be escalated to David Rudd’s line-manager. It doesn’t seem to me, that this has been done. So it seems to me, that you have some problems, with your organisation. So what I’m going to do, is that I’m going to send you a payment today, for £1, (I’ll pay on your website). Then I’m going to continue to pay £1 a month, (by the 13th of each month), like previously agreed. (Untill I find a new job. Since I’m unfortunately unemployed). Hope this is alright! Yours sincerely, Erik Ribsskog On Thu, Apr 10, 2014 at 8:55 AM, United Utilities < Customer.service@uuplc.co.uk> wrote: >         [image: United Utilities] > > Dear Mr Ribsskog > > > > Our ref: CAS14-0025-9159 > > > > Thank you for your contact received on 3 April 2014 regarding your offer > of payment on your water account. > > > > Your offer of £1.00 per month is too low for me to set on your account as > it will not clear your outstanding balance. > > > Your account is currently with Concilia Debt Recovery, please contact them > on 0845 309 4092 to discuss a suitable payment arrangement.  Failure to > make payments on your account will lead to further debt action. > > If you are having difficulty with making your payments then please do not > ignore this letter. You could be eligible for one of the Payment Assistance > Schemes we offer here at United Utilities. You can find some information > about these schemes at unitedutilities.com/home-diffuculty-paying-bill. > > > > If you prefer you can make an appointment at your local Citizens Advice > Bureau and they can complete a financial statement for you. > > > Please be aware that we also share information about your payment > behaviour with a Credit Reference Agency. For more information see > unitedutilities.com/personaldetails. > > I trust the information provided will be of assistance to you. > > > > Yours sincerely > > > > David Woodend > > Customer Advisor > > > > > > If you need to contact us again, here are some options: > > > > 1.   Visit our website unitedutilities.com<http://www.unitedutilities.com/default.aspx>where you can register with > MyAccount <https://myaccount.unitedutilities.com/secure/Pages/login.aspx>to manage youraccount online or complete the Contact > Us <http://www.unitedutilities.com/Contactus.aspx> form > > 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 > am to 8.00 pm, and Saturday 8.00 am to 5.00 pm. > > 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR > > 4.   Click reply to this email > > © United Utilities Group PLC 2013 > > > ——————- Original Message ——————- > *From:*Erik Ribsskog > *Received:* 03/04/2014 15:34 > *To:* United Utilities > *Cc:* CONTACT-US@dwp.gsi.gov.uk; Contact-Us@jobcentreplus.gsi.gov.uk > *Subject:* Your letter of 27/3/Fwd: Your response from United Utilities > CAS14:00083000000173 > > Hi, > > I’m refering to your bill from 27/3, (my account number is: 409 563 > 4376, it says, in the letter). > > I’m still unemployed, and on a budget. > > So I can only offer to pay token-payments of £1, (like in the last > years), a month, untill I get a job. > > Then I’m going to set up a new budget and contact you back. > > At the moment I haven’t gotten my jobseekers-allowance from 31/1 to > 21/2, and not eighter from 6/3 to todays date. > > But I hope to get these moneys as soon as possible, but I > unfortunately can’t say exactly when, since the Jobcentre seems to be > a bit poorly organised, (at least this is my opinion, from being > unemployed for years now). > > Hope this is alright! > > Yours sincerely, > > Erik Ribsskog > > > ———- Forwarded message ———- > From: Erik Ribsskog <eribsskog@gmail.com> > Date: Mon, 31 Mar 2014 13:30:51 +0100 > Subject: Re: Your response from United Utilities CAS14:00083000000173 > To: United Utilities <Customer.service@uuplc.co.uk> > > Hi, > > I don’t have any credit on my mobile now, you see. > > But I’ve read on a message board on the internet, that Concilia is > really a part of United Utilities, so I wondered if you could just > forward this e-mail to them. > > Thanks in advance for any help! > > Best regards, > > Erik Ribsskog > > > On 3/31/14, United Utilities <Customer.service@uuplc.co.uk> wrote: > > > > [image: United Utilities] > > > > Dear Mr Ribsskog > > > > > > > > Our ref: CAS14-0022-7742 > > > > > > > > Thank you for your contact received on 25 March 2014 regarding your water > > account. > > > > > > > > Your account is currently with Concilia Debt Recovery, please contact them > > on 0845 309 4092 to discuss a suitable payment arrangement. > > > > > > > > We may be able to help you with one of the schemes that we have available > > for people who are experiencing financial difficulties.  Please call this > > office on 0845 746 2034 and a member of our specialist team will be able to > > help you. If you prefer you can make an appointment at your local Citizens > > Advice Bureau and they can complete a financial statement for you. > > > > > > > > Failure to make payments on your account will lead to further debt action. > > > > > > > > Please be aware that we also share information about your payment behaviour > > with a Credit Reference Agency. For more information see > > unitedutilities.com/personaldetails. > > > > > > > > I trust the information provided will be of assistance to you. > > > > > > > > Yours sincerely > > > > > > > > Amanda Ward > > > > Customer Advisor > > > > > > > > > > > > If you need to contact us again, here are some options: > > > > > > > > 1.   Visit our website unitedutilities.com where you can register with > > MyAccount to manage your account online or complete the Contact Us form > > > > 2.   Call us on 0845 746 2034 – our office is open Monday to Friday 8.00 am > > to 8.00 pm, and Saturday 8.00 am to 5.00 pm. > > > > 3.   Write to us at: United Utilities, PO Box 457, Warrington, WA55 1DR > > > > 4.   Click reply to this email > > > > © United Utilities Group PLC 2013 > > > > > > ======================================================================================================================== > > The information contained in this e-mail is intended only for the individual > > to whom it is addressed. It may contain legally privileged or confidential > > information or otherwise be exempt from disclosure. If you have received > > this Message in error or there are any problems, please notify the sender > > immediately and delete the message from your computer. You must not use, > > disclose, copy or alter this message for any unauthorised purpose. Neither > > United Utilities Group PLC nor any of its subsidiaries will be liable for > > any direct, special, indirect or consequential damages as a result of any > > virus being passed on, or arising from the alteration of the contents of > > this message by a third party. United Utilities Group PLC, Haweswater House, > > Lingley Mere Business Park, Lingley Green Avenue, Great Sankey, Warrington, > > WA5 3LP Registered in England and Wales. Registered No 6559020 > > www.unitedutilities.com www.unitedutilities.com/subsidiaries > > ======================================================================================================================== > > > ======================================================================================================================== > The information contained in this e-mail is intended only for the > individual to whom it is addressed. It may contain legally privileged or > confidential information or otherwise be exempt from disclosure. If you > have received this Message in error or there are any problems, please > notify the sender immediately and delete the message from your computer. > You must not use, disclose, copy or alter this message for any unauthorised > purpose. Neither United Utilities Group PLC nor any of its subsidiaries > will be liable for any direct, special, indirect or consequential damages > as a result of any virus being passed on, or arising from the alteration of > the contents of this message by a third party. United Utilities Group PLC, > Haweswater House, Lingley Mere Business Park, Lingley Green Avenue, Great > Sankey, Warrington, WA5 3LP Registered in England and Wales. Registered No > 6559020 www.unitedutilities.com www.unitedutilities.com/subsidiaries======================================================================================================================== >

  • Jeg sendte en ny e-post til CCCS/Stepchange


    Gmail – Your reference: 1105539

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>


    Your reference: 1105539


    Erik Ribsskog

    <eribsskog@gmail.com>


    Thu, Dec 27, 2012 at 6:03 PM

    To:
    Customer Relations <CustomerRelations@stepchange.org>

    Hi,

    thank you for your e-mail.
    I just thought the new name was a bit like you moralise and patronise people.

    I think a neutral name like ‘Debt Advice’, would have been better.

    Your old name, (CCCS), was also a bit strange, I think, (to be honest), because it almost look like CCCP, which is the Russian name for the Soviet Union, I think.

    So it was almost like one were labeled as communists if one wrote to CCCS.

    And now one are labeled as immoral, I think, (since one have to change ones behaviour, that is change ones steps).
    But I think a neutral name would have been better, it’s like both your old and new name labeles your clients, I think.


    That’s my opinion at least.

    I understand you are a charity, so I’m not sure if I should take this complaint any further.
    (Since I’m not that used with dealing with charities).

    I’ve said my opinion now, at least.
    So I have to think about if I should do anything more in conection with this complaint.

    Thanks again for your e-mail.


    Regards,

    Erik Ribsskog

    On Thu, Dec 27, 2012 at 2:15 PM, Customer Relations <CustomerRelations@stepchange.org> wrote:

    Dear Mr Ribsskog

    Client reference: 1105539

    Complaint reference: 1076/1105539

    Your comments regarding our response to your  complaint have been noted. I’m sorry you remain dissatisfied with the content of our e-mail and the information we’ve provided

    about the charity’s new name.

    As requested, your message has been escalated for the content of your complaint and our response to be reviewed.

    I can confirm the explanation we’ve provided about our service, and the charity’s intention are correct and have no further comments to add.  Under the terms of our complaints procedure, I am therefore
    confirming this is our final response. As previously advised, if you remain unhappy with our reply , you may refer your complaint to the Financial Ombudsman Service who’ll complete an impartial review of your concerns. You’ll need to do this within six months
    of the date of this email. Information relating to their service can be found using the following link

    http://www.financial-ombudsman.org.uk/consumer/complaints.htm
    .

    Regards

    Clare Sharkey

    Client Liaison Manager

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

    Sent: 24 December 2012 05:01
    To: Customer Relations
    Subject: Re: Your reference: 1105539

    Hi,

    I must admit that I’ve only read the first line of your e-mail now.

    You bring my feelings into this.

    This I react on.

    Then I think you are not a serious business-person.

    I therefore would have wanted to please get this escalated to your line-manager.

    Erik RIbsskog

    On Fri, Dec 21, 2012 at 5:33 PM, Customer Relations <CustomerRelations@stepchange.org> wrote:

    Dear Mr Ribsskog

    Client reference: 1105539

    Complaint reference: 1076/1105539

    Further to my previous email which acknowledged your concerns about our recent name change. You’ve told us that you feel our new name is patronising and demoralising. I’m sure you’ll appreciate
    it isn’t our intention to upset any of our clients.

    Changing our name from Consumer Credit Counselling Service (CCCS) was a bold step for us. Although we help thousands of people every day with their debt problems, and we’re already the UK’s largest
    single provider of Debt Management Plans, millions of people still need our help. Becoming StepChange Debt Charity is part of our plan to be more visible and to help even more people.

    You’ve told us you dislike our new name but we believe it will help raise awareness of our services and provide a clear message about who we are and what we do. It will help people recognise the
    free services we offer and hopefully we’ll become the organisation that people turn to first when looking for debt help.

    We’re not here to judge people who contact us. We aim to give them the help and advice they need to take control of their financial situation no matter how they got in to difficulty.

    You’ve also raised concern that we’re funded by creditors which has caused you to have doubts about how independent we are. Unlike fee-charging debt management companies, we are funded by creditors.
    Their charitable contributions enable us to provide genuinely free advice and support to those who need it. Our advice is always based on what is best for an individual not what is most profitable for us. Creditors do not influence our advice or the debt solutions
    we discuss with individuals who need our help.

    I hope my explanation helps you understand why we’ve changed our name and that I’ve restored your confidence in our service. I’m sorry you dislike our new name but we hope you’ll continue to use
    our free service to guide you through your financial difficulties.

    Details of the charity’s formal complaints procedure were sent to you in our initial email. If you aren’t satisfied with this response, you may refer your complaint to the Financial Ombudsman Service
    who’ll complete an impartial review of your concerns. You’ll need to do this within six months of the date of this email. Information relating to their service can be found using the following link

    http://www.financial-ombudsman.org.uk/consumer/complaints.htm
    .

    Kind regards

    Christina Eccles

    Client Liaison Officer

    ——————————————————————————

    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 e-post til Stepchange


    Gmail – Stepchange Debt Charity

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>


    Stepchange Debt Charity


    Erik Ribsskog

    <eribsskog@gmail.com>


    Wed, Nov 14, 2012 at 10:27 PM

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

    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





    table border=”0″ cellspacing=”0″ cellpadding=”0″ style=”background:white;text-align:start”>

    november.jpg

    114K

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

    – 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

    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


    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.

    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 om budsjett


    Gmail – CCCS

    Gmail


    Erik Ribsskog
    <eribsskog@gmail.com>


    CCCS


    Erik Ribsskog

    <eribsskog@gmail.com>


    Thu, Nov 8, 2012 at 6:29 PM

    To:
    Correspondence Queries <client.services@stepchange.org>

    Hi,

    what’s this Stepchange?

    Have the CCCS been closed down?

    Regards,

    Erik Ribsskog

    On Thu, Nov 8, 2012 at 3:58 PM, Correspondence Queries <client.services@stepchange.org> wrote:

    Dear Client

    Thank you for your email.

    /div>

    We need further details from you before we can deal with your query. As well as your full name, please also provide us with two of the following pieces of information:

    •             Your client reference number.

    •             Your full postal address including postcode.

    •             Your phone number.

    •             The creditor name, reference number and balance of one of the debts that we have record of.

    If you can forward your query back to us with this information we will deal with this as soon as possible.

    If you have any further queries, please contact us on 08442 643 643, lines are open 8am to 6pm, Monday to Friday, you can email us at client.service@stepchange.org.

    You can also keep us updated about your details through our website, at www.stepchange.org.

    Kind regards

    Sarah

    Correspondence advisor

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

    Sent: 31 October 2012 14:10
    To: Q&A
    Cc: Correspondence Queries
    Subject: Re: CCCS

    Hi,

    thank you very much for your e-mail.

    I’ll copy this e-mail to your client services-depatment then.

    Maybe they can give me advice on how to get Wescot to delete my debt.

    Because they contact me all the time with their e-mails and ‘funny’ letters.

    So I think that’s the only way to get them to stop wasting my time.

    I’ve promised them I’ll start to pay them token-payments when I get my Jobseekers Allowance back.

    Still they harass me and sabotage against me, like I explain about in more detail in the e-mail you replied to.

    Thanks again for the advice!

    Best regards,

    Erik Ribsskog

    On Wed, Oct 31, 2012 at 10:56 AM, Q&A <contactus@cccs.co.uk> wrote:

    Good morning

    Thank you for your recent e-mail.

    As stated in the below emails the address that you need to send any such correspondence to is

    client.services@cccs.co.uk

    Thank you for contacting CCCS.

    If you have any further queries you can reply to this e-mail, use Online Chat or call us on free-phone

    0800 197 1704 (weekdays 8am until 8pm).

    Kind regards

    Lauren

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 30 October 2012 15:29
    To: Contact Us
    Cc: Q&A
    Subject: Re: Wescot ResponseRE: Correspondence Reply

    Hi,

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

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

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

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

    United Utilities have accepted, almost a year ago.

    This is sabotage, I think.

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

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

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

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

    So eighter you’re ignorant or slow.

    So I think you should perhaps find another job.

    Like putting spread on sandwiches, or something like that.

    Just an advice.

    Best regards,

    Erik Ribsskog

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

    Date 30th October 2012

    Dear Mr Ribsskog

    Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that

    Wescot always attempt to respond with an explanation or resolution as quickly as possible.

    Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If

    you believe this balance is not due we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

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

    Yours sincerely

    Ms H Thundercliffe

    Accounts Controller

    Description: image002

    Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats,

    Ayrshire KA21 5JT

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

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

    Hi,

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

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

    Best regards,

    Erik Ribsskog

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

    Date 30th October 2012

    Dear Mr Ribsskog

    Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that

    Wescot always attempt to respond with an explanation or resolution as quickly as possible.

    In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further

    on this, as we haveno details in regards to the balance being deleted.

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

    Yours sincereley

    Ms H Thundercliffe

    Accounts Controller

    Description: image002

    Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats,

    Ayrshire KA21 5JT

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

    Sent: 19 October 2012 10:40

    To: Correspondence Queries
    Cc: offers

    Subject: Re: Correspondence Reply

    Hi,

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

    Do you know this?

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

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

    Best regards,

    Erik Ribsskog

    PS.

    Here’s the update e-mail from Saturday:

    Hi,/span>

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

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

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



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

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



    Now you get back to me.



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



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


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



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



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

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

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

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



    And I’m going to do that.



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



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



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



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



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

    Hope this is alright!

    Best regards,



    Erik Ribsskog

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

    Good morning Erik,

    Thank you for contacting us about Wescot.

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

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

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

    Kind regards

    Faye

    Correspondence Advisor

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

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

    Hi,

    thank you for your e-mail!

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

    Wescot have sent me a budget-form again now.

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

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

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

    But they haven’t sent me giros or anything.

    And this is taking a lot of my time now.

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

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

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

    So I now copy this e-mail to Wescot.

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

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

    So I hope this will be sorted now.

    Thanks again for the e-mail!

    Best regards,

    Erik Ribsskog

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

    Hello Eric

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

    Please try not to worry about the contact you have received as this is a standard procedure

    for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

    As you have contacted this creditor to advise of your current financial situation and

    are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

    I hope this is helpful and reassuring.

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

    Kind regards

    Hannah

    Correspondence Advisor

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

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

    Hi,

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

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

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

    (Which I’ve done many times earlier).

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

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

    This should be a straight forward tokey-payment agreement.

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

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

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

    Erik

    ———- Forwarded message ———-

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

    Hi,

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

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

    Hope this is alright!

    Best regards,


    Erik Ribsskog

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

    Good morning,

    Please provide the wescot reference beginning with D3 or DM

    Kind regards

    Rebecca Stearman

    Offers Administrator

    email:  

    offers@wescot.co.uk

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

    From: Erik

    Ribsskog [mailto:eribsskog@gmail.com]

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

    Hi,

    thank you for your e-mail!

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

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

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

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

    Thank you very much for the help with this!

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

    If I remember it right.

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

    Thanks again for the advice!

    Best regards,

    Erik Ribsskog

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

    Hi Erick

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

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

    with them.

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

    this further with the financial ombudsman service.

    You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already

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

    I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit

    that you carry on making a token payment. It will show that you are willing to pay the account off.

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

    I understand you would like to keep the contact in writing but it is also best that you call them to discuss your

    concerns. This will eliminate any responses about them not receiving your letters.

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

    may be a charge for this request.

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

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

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

    for this request.

    I hope this has been helpful.

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

    you can email us at client.service@cccs.co.uk.

    Kind regards

    Paul Marshall

    Correspondence Co-ordinator

    From: Erik

    [mailto:eribsskog@gmail.com]

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

    Hi,

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


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

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


    Please escalate to your line manager.


    Regards,

    Erik Ribsskog

    PS.


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


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


    PS 2.


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


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

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

    wrote:

    Hi Erik

    Thank you for contacting us about your account with Wescot.

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

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

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

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

    Kind regards

    Gurj
    Correspondence Advisor

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

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

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

    Thank you

    The Correspondence Team

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal

    information at all times.

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

    The next time you contact us, we will require you to provide us with at least 2 pieces of information

    from the list below:

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    Please make sure you provide this information along with your full name on every communication you send

    to us. If not, we will prompt you for these details and this may delay your reply.

    Thank you

    The Correspondence Team

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    The next time you contact us, we will require you to provide us with at least 2 pieces of information

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    Please make sure you provide this information along with your full name on every communication you send

    to us. If not, we will prompt you for these details and this may delay your reply.

    Thank you

    The Correspondence Team

    We are altering the way in which we handle your correspondence to ensure we safeguard your personal

    information at all times.

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

    The next time you contact us, we will require you to provide us with at least 2 pieces of information

    from the list below:

    ·         

    Client reference number

    ·         

    Postal address

    ·         

    Postcode

    ·         

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    …

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