Erik Ribsskog <eribsskog@gmail.com>
Lowell
Erik Ribsskog <eribsskog@gmail.com> 10. oktober 2025 kl. 16:45
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no
Hi,
I've now contacted my Norwegian bank (Nordea).
And Josephine there, told me, that it's going to cost me 75 NOK to send a 1 NOK token-payment, to England, each month.
So that's a bit silly, I'd say.
One can buy a bag of groceries almost, for 75 NOK.
So that's a bit silly.
It's like throwing money away.
Or that you work for Nordea.
So I think the Financial Ombudsman could have a look at this.
To hear if they think that a token-payment should that expensive.
So I send a copy-email to them.
Erik Ribsskog
fre. 10. okt. 2025 kl. 11:52 skrev <complaintsresolution@lowellgroup.co.uk>:
Dear Mr Ribsskog
Complaint Reference: 602995
Further to our email dated 25 September 2025; thank you for getting in touch to raise your concerns and for your patience whilst your complaint has been investigated.
My understanding of your complaint
You are unhappy because you are currently not residing in the UK, and you are experiencing difficulties with making payments due to the costs involved. You have brought this issue to attention for escalation to a manager, which has not been addressed.
Findings
At Lowell we take all complaints seriously and every effort is made to ensure that a thorough investigation is undertaken and the right outcome reached.
In order to investigate this complaint, I have reviewed the account and the information we hold.
You currently have one account that we are dealing with.
Lowell Reference
Former Company
Current Balance
120143797
Capital One
£880.58
I am sorry to hear about the issues you are facing with the banks. I understand that we have supplied you with the overseas bank details, and I apologize for the additional costs you are incurring while abroad. Unfortunately, we do not have any alternative options to offer you.
Upon reviewing the email correspondence, I noted that you had requested for this matter to be escalated to a manager for further investigation. However, as communicated on August 28, 2025, the agent is fully equipped to assist you with your request and the related issue, which is why the matter was not escalated. I concur that the appropriate action was taken.
You did send additional emails; however, as they were written in a different language, I was unable to respond. If you have any further concerns or if there is anything we may have missed, please let us know.
Conclusion
Please accept my apologies for any distress these matters may have caused you. I can assure you this would never be our intention. Based on my findings above, I am unable to uphold your complaint.
The Financial Ombudsman Service also provides a dispute resolution service to assist customers who feel their complaint remains unresolved.
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email.
If you do not refer your complaint in time, the Ombudsman will only be able to consider your complaint in very limited circumstances, for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
For more information, the Ombudsman’s consumer leaflet, “your complaint and the ombudsman” can be accessed via the following link: www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm.
Please let us know if you’d like a hard copy of the Financial Ombudsman consumer leaflet sent out by post.
For more information on their services, you can visit their website www.financial-ombudsman.org.uk.
Next Steps
Moving forward, you have confirmed that you currently reside abroad; however, the address we hold on file for you is 41D Osborne Road, Tuebrook, Liverpool, L13 8AS, which is not an overseas address. If this is not the address where you wish to receive correspondence, please let us know so we can update our records. If we do not receive an updated address, we will continue to contact you at the address currently on file.
I have placed your accounts on hold for 30 days to allow you time to contact us and discuss how you would like to proceed with the accounts. Should we not hear from you within this timeframe, we will attempt to contact you to discuss the matter further.
If you’re worried about your debts, you can get free confidential advice from a number of independent organisations including:
www.moneyhelper.org.uk – 0800 138 7777 - government-backed free debt and money advice support and solutions
www.moneywellness.com - 0161 518 8285 - confidential advice and ongoing
support and solutions
Yours sincerely
Ali
Customer Relations Officer
This email, any attachments and any files transmitted with it are private and confidential and are intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. Warning: although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. accepts no responsibility or liability for any loss or damage arising out of or in connection with the this email, any of its attachments or any files transmitted with it and it is recommended that you check all emails with an appropriate virus scanner.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice is available at https://www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. If you would like a copy, please contact us.
Lowell Financial Ltd. No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH is a limited company registered in England and Wales under company number 4558936. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts.
Stikkord: The Financial Ombudsman Service
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Jeg sendte en e-post til Lowell i England
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Jeg sendte en e-post til the Financial Ombudsman Service
Erik Ribsskog <eribsskog@gmail.com>[Confidential] Your complaint (Our ref:PNX-3751935-K8X3)Erik Ribsskog <eribsskog@gmail.com> 10. mai 2021 kl. 05:57Til: Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>Kopi: juridisk <juridisk@datatilsynet.no>, “postmottak@sivilombudsmannen.no” <postmottak@sivilombudsmannen.no>, Politikk Høyre <politikk@hoyre.no>, Akademikerforbundet <post@akademikerforbundet.no>, post <post@finkn.no>, post <post@finanstilsynet.no>, “complaint.info” <complaint.info@financial-ombudsman.org.uk>, post <post@opo1.no>, amnestyis <amnestyis@amnesty.org>, Brukerstøtte minid <Brukerstotte@digdir.no>, abuse@telia.com, HRW UK <hrwuk@hrw.org>, tr@forbrukertilsynet.noHi,I remember when I lived in Leather Lane, (where I lived from 2006 to 2011), in Liverpool City Center.Then I was out clubbing one Saturday night.And I got home at like 5 AM on Sunday morning.And then you sent me an e-mail.On a Sunday morning.So I wonder why I only get replies from students, who only work weekends.This I want to complain about.Please escalate to a superior.Erik RibsskogPS.Here is more about this:‘On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>wrote:Dear MrRibsskogThankyou for your e-mailThat’s no problem, however I should point out that we arenot a government department, we are a independent complaintsbody.Iwill be in touch with your again in the next fewdaysKindRegardsRoseCoxteammanager’.tir. 16. feb. 2021 kl. 18:51 skrev Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>:Our refPNX-3751935-K8X3Your refDear Mr RibsskogYour complaintThank you for the information you sent us. You advised you had previously raised this issue with us in 2016, however I was unable to find details of a complaint relating to these matters from 2016. The only complaint we have from 2016 was against The Royal Bank of Scotland. Therefore, I asked for details of the complaint you made reference to from 2016.The reason why we asked for details of your complaint from 2016 was because you claimed we had previously reviewed this for you, however from the details which I had, it didn’t appear to be something we could look into. As I was requesting information from you anyway, I had also requested your final response from the business and the complaint form.The final response letter would’ve given us further details on the business and their stance and it usually includes whom you can refer your complaint to, should you continue to remain unhappy. The complaint form simply provides us with a bit more information about your contact details and your complaint, and it also includes a declaration at the bottom. If a complaint form isn’t completed, we would’ve still required a completed declaration from you if we were to proceed further with your complaint. That could’ve been completed via email, should the form had been a issue. I hope this has clarified and resolved matters for you surrounding the complaint form.Having looked into this again with no new information, it does appear this isn’t something that we can help you with. We deal with a wide range of complaints about financial services – but unfortunately, from the issues you’ve raised, it doesn’t look like your complaint is something we would look into. This is because the business and the type of product/service you’ve complained about is not covered by the Financial Ombudsman Service. Furthermore, the service you’ve complained about wasn’t provided from within the United Kingdom (England, Wales, Scotland and Northern Ireland, but excluding the Channel Islands and the Isle of Man). Whom they are covered by should be available on the final response if you have one, the internet or the providers website.I appreciate this isn’t the answer you were hoping for but there is nothing further we can do to help you and will be closing file.Kind regardsRina Begum | Adjudicator | 0800 023 4567Financial Ombudsman Service | Exchange Tower, London, E14 9SRThis email has been sent securely using TLS encryption.This email is covered by our email disclaimer.This email was sent from Financial Ombudsman Service Ltd. Registered in England and Wales. Registered Number: 3725015. Registered Office: Exchange Tower, London, E14 9SR, United Kingdom. -
Og enda enda enda enda mer om nettmobbing
Erik Ribsskog <eribsskog@gmail.com>[Confidential] Your complaint (Our ref:PNX-3751935-K8X3)Erik Ribsskog <eribsskog@gmail.com> 13. februar 2021 kl. 15:24Til: Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>Kopi: juridisk <juridisk@datatilsynet.no>, “postmottak@sivilombudsmannen.no” <postmottak@sivilombudsmannen.no>, Politikk Høyre <politikk@hoyre.no>, Akademikerforbundet <post@akademikerforbundet.no>, post <post@finkn.no>, post <post@finanstilsynet.no>, “complaint.info” <complaint.info@financial-ombudsman.org.uk>, post <post@spesialenheten.no>, post <post@opo1.no>, amnestyis <amnestyis@amnesty.org>, Brukerstøtte minid <Brukerstotte@digdir.no>, abuse@telia.comHi,this is really that I’ve sent you a copy of a Norwegian complaint, (to do with Direktoratet for forvaltning og IKT (Difi)).(I see in my e-mail-program).I started updating you about that case in 2016.And also I’ve gone to mercantile upper secondary-education in Norway, (in the 80’s), and I’ve learned there, that it should be enough, to explain about something in writting, (e.g. in a letter or email).One shouldn’t need to fill out a form as well.(That’s your job, I guess).So this I want to complain about.Please escalate this to a superior.Erik Ribsskogons. 9. des. 2020 kl. 21:38 skrev Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>:Our refPNX-3751935-K8X3Your refDear Mr RibsskogYour complaintThank you for your email. We previously didn’t write to you in English to make things easier or you as your responses to us haven’t been in English.Before we can investigate a complaint for you, we need some further documents. Please provide the following in relation to your complaint;a fully completed and signed copy of our complaint form. This will ensure we have all your upto date details, including information with regards to the specifics of your complaint. The signed declaration on the complaint form is also required for us to take forward a complaint to a business.do you have any correspondence from the business including a copy of the final response letter from the business which will give us referral rights to investigate your case. If you don’t have a final response letter, please send us an acknowledgment email or letter regarding your complaint or proof you’ve submitted a complaint to them such as proof of postage or business complaint reference. If you’ve only raised a general query and not already made an official complaint with the business, please ensure you do this as we first need to allow them eight weeks to resolve matters.You’ve mentioned you sent us an update with regards to a case from 2016. Should you have contacted us with regards to this in 2016 and we responded then, we may no longer be able to look into this as we give a stipulated timeframe of when you should get back to us by.Please provide us with that case reference or any correspondence from them should you still have this.Without the above requested details, I’m unable to see if and how we can progress further.Kind regardsRina Begum | Adjudicator | 0800 023 4567Financial Ombudsman Service | Exchange Tower, London, E14 9SRThis email has been sent securely using TLS encryption.This email is covered by our email disclaimer.This email was sent from Financial Ombudsman Service Ltd. Registered in England and Wales. Registered Number: 3725015. Registered Office: Exchange Tower, London, E14 9SR, United Kingdom. -
Og enda enda enda enda enda mer om nettmobbing
Erik Ribsskog <eribsskog@gmail.com>
[Confidential] Your complaint (Our ref:PNX-3751935-K8X3)
Erik Ribsskog <eribsskog@gmail.com> 5. desember 2020 kl. 15:38
Til: Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>
Kopi: “Ashmore, Dean” <Dean.Ashmore@financial-ombudsman.org.uk>, post <post@finkn.no>, “post@sivilombudsmannen.no” <post@sivilombudsmannen.no>, “complaint.info” <complaint.info@financial-ombudsman.org.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, juridisk <juridisk@datatilsynet.no>, “postmottak@sivilombudsmannen.no” <postmottak@sivilombudsmannen.no>, “sande.vgs” <sande.vgs@vfk.no>, Politikk Høyre <politikk@hoyre.no>, Akademikerforbundet <post@akademikerforbundet.no>, post <post@finanstilsynet.no>, fmovpost <fmovpost@fylkesmannen.no>, abuse@telia.com, inger.lise.blyverket@forbrukerradet.no, elh@forbrukertilsynet.no
Hei,
ettersom at jeg har forklart saken, i den forrige mailen.
Så skjønner jeg ikke hva jeg skal med dette skjemaet.
Jeg sendte dere en oppdatering angående en sak, fra 2016, så jeg nå.
Dere burde kanskje heller ha svart da.
Også litt rart at dere skriver på norsk, synes jeg.
Dette må jeg klage på.
Vennligst send dette til en overordnet.
Erik Ribsskog
fre. 30. okt. 2020 kl. 17:29 skrev Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>:
Our ref
PNX-3751935-K8X3
Your ref
Kjære Hr Ribsskog
Din klage
Takk for din e-post, beklager den lange ventetiden det har tatt oss å komme tilbake til deg. På grunn av det store antallet personer som trenger vår hjelp akkurat nå har vi ikke klart å svare så fort som vi ønsker.
Før vi kan følge opp denne klagen for deg vil vi trenge noen flere dokumenter. Vennligst oppgi følgende i forbindelse med din klage;
en ferdig utfylt og signert kopi av vårt klageskjema, se vedlagte kopi
har du noen korrespondanse fra firmaet, inkludert en kopi av det endelige svarbrevet fra virksomheten som vil gi oss henvisningsrett til å undersøke saken din
hvis du ikke har et endelig svarbrev, send oss en bekreftende e-post, eller brev, angående klagen din, eller bevis på at du har sendt inn en klage til dem, som bevis på porto eller referanse på bedriftsklage
Hvis du bare har sendt inn en generell forespørsel, og ikke allerede har gjennomført en offisiell klage med firmaet, forsikre deg om at du gjør dette, da vi først må gi dem åtte uker til å løse sakene. Hvis du fortsatt ikke er fornøyd kan du henvise til oss.
Vennligst ikke nøl med å kontakte meg om du har spørsmål om hva jeg har etterspurt.
Vi vil ikke foreta oss mer med mindre du kontakter oss igjen. Hvis du vil ha mer informasjon om oss, vennligst sjekk vår nettside – www.financial-ombudsman.org.uk.
Mange personer kontakter oss om vår hjelp nå, og det tar oss lengre tid enn vi ønsker å svare på forespørslene. Det kan ta et par uker før vi klarer å komme tilbake til deg. Hvis saken haster, vennligst ring vår hjelpelinje på 0800 023 4567.
Med vennlig hilsen,
Rina Begum | Adjudicator | 0800 023 4567
Financial Ombudsman Service | Exchange Tower, London, E14 9SR
This email has been sent securely using TLS encryption.
This email is covered by our email disclaimer.
This email was sent from Financial Ombudsman Service Ltd. Registered in England and Wales. Registered Number: 3725015. Registered Office: Exchange Tower, London, E14 9SR, United Kingdom.
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Jeg sendte en e-post til the Financial Ombudsman Service
Erik Ribsskog
Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
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Jeg sendte en e-post til the Parliamentary and Health Service Ombudsman
Erik Ribsskog
PHSO:0579000379
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Jeg sendte en e-post til the Financial Ombudsman Service
Erik Ribsskog
Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
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Jeg sendte en e-post til the Financial Ombudsman Service
Erik Ribsskog
Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
























