johncons

Stikkord: The Financial Ombudsman Service

  • Jeg sendte en e-post til Lowell i England

    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.
  • 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. 05:57
    Til: 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.no
    Hi,
    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 Ribsskog
    PS.
    Here is more about this:
    ‘On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk>
    wrote:
    Dear Mr
    Ribsskog
    Thank
    you for your e-mail
    That’s no problem, however I should point out that we are
    not a government department, we are a independent complaints
    body.
    I
    will be in touch with your again in the next few
    days
    Kind
    Regards
    Rose
    Cox
    team
    manager’.
    tir. 16. feb. 2021 kl. 18:51 skrev Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>:
    Our ref
    PNX-3751935-K8X3
    Your ref
     
     
     
    Dear Mr Ribsskog
     
    Your complaint
     
    Thank 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 regards
     
    Rina Begum | Adjudicator | 0800 023 4567
    Financial Ombudsman Service | Exchange Tower, London, E14 9SR
     
    This email has been sent securely using TLS encryption.
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    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. 15:24
    Til: 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.com
    Hi,
    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 Ribsskog
    ons. 9. des. 2020 kl. 21:38 skrev Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>:
    Our ref
    PNX-3751935-K8X3
    Your ref
     
     
     
    Dear Mr Ribsskog
     
    Your complaint
     
    Thank 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 regards
     
    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.
  • 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.

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    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.

  • Jeg sendte en e-post til the Financial Ombudsman Service

    Erik Ribsskog

    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Erik Ribsskog  10. november 2017 kl. 15:03

    Til: “Ashmore, Dean”

    Kopi: Phso Enquiries , admin , post@finkn.no, post , “complaint.info” , “post@sivilombudsmannen.no”

    Hi,

    in Norway we also have an expression named: ‘Kryssende korrespondanse’.

    That means: ‘Crossing correspondence’.

    And I’ve sent you an e-mail this morning, to do with this case.

    And it doesn’t seem like you’ve read this e-mail.

    So this is that you e-mail from Mars, or some problem with your organisations systems, it seems.

    Erik Ribsskog


    2017-11-10 14:41 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog
    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    I’ve spoken with a manager and I’m afraid we aren’t going to look into your concerns any further. We’ve explained our procedure and asked for the information we need to progress it with our service.
    We will happily help if you provide this information but we can’t do anything without it. I’m sorry we will no longer be able to correspond with you if you don’t comply with what we’ve asked for.
    Yours sincerely
    Dean Ashmore| Investigator
    Financial Ombudsman Service +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 07 November 2017 17:25
    To: Ashmore, Dean
    Cc: admin; post@finkn.no; post; Phso Enquiries; Shared_global_External Enquiries

    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Hi,

    I told you to escalate this.

    Trenering isn’t the only Norwegian word, I think about, to do with this.

    We also have a word named ‘kveming’.

    Please stop with the kveming, and send this to a superior now.

    Erik Ribsskog

    2017-11-07 15:02 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    RE: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Thank you for getting back to me.
    I’m afraid without you responding to our declaration or completing the complaint forms sent on a variety of occasions, we’ll be unable to respond and investigate your concerns.
    I’m sorry you feel we’ve used or are using delaying tactics, but unfortunately we can’t investigate your case without the above information.  
    If you would still like for us to investigate your complaint, please complete and sign the attached complaint form or see the declaration below and tell me if you accept this.  Once I’ve received either of these I can begin investigate your concerns.
    It would also be helpful if you could tell me what your concerns are, this is because I’ve seen that you have issues with a variety of businesses, so in order to avoid delays please tell me a summary of what has happened with each business.
    Without the above information, I’m afraid any emails you send, without the information required to move your complaint forward, would be added to your file, but I’m sorry to say we won’t be responding to those going forward.
    Kind regards
    Dean Ashmore| Investigator
    Financial Ombudsman Service +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 07 November 2017 11:31
    To: Ashmore, Dean
    Cc: Shared_global_External Enquiries; emb.london; admin; post@finkn.no; post; Phso Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Hi,

    the problem seems to be that you have had a corrupt college, who has been doing ‘trenering’ like we say in Norway, (‘delaying tactics’).

    So you need to send this to a superior.

    Also I should get a big economical compensation for this trenering.

    Erik Ribsskog

    2017-11-07 11:12 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Thanks for getting in touch. Brian has recently left the organisation so I’ve been allocated your case.
    I’ve reviewed your file and can see that you’ve had numerous issues with the bank. For me to progress your complaint, I would like to ask if you could put the issues you’ve been having with RBS in a concise email and I’ll begin investigating.
    Also, in order to investigate your complaint I need to obtain your formal consent. Please read the statement and let me know if you agree:
    · I would like the Financial Ombudsman Service to look into my complaint. To the best of my knowledge, everything I have told you is accurate.
    • I understand you will need some details about me, which might include personal or sensitive information. And I understand that you and the business I’ve complained about, and sometimes other parties, will need to share information about me to help resolve my complaint.
    helping us to improve our service

    We’d also like to get your feedback about using our service. Taking part is completely optional. Your answers would be confidential and would only be used to improve what we do.

    i’d like you to look into my complaint – what do I need to do now?

    In the next seven days, please:

    1. reply to let me know you agree to the declaration.

    2. let me know if you’d be happy for us to get in touch for your feedback about our service.
    3. provide me a concise list of issues you’ve been having
    Kind regards
    Dean Ashmore| Investigator
    Financial Ombudsman Service
    +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk



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    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.




    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.



    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.


  • Jeg sendte en e-post til the Parliamentary and Health Service Ombudsman

    Erik Ribsskog

    PHSO:0579000379

    Erik Ribsskog  10. november 2017 kl. 07:36

    Til: PHSO Enquiries

    Kopi: admin , post@finkn.no, post , “complaint.info” , “Ashmore, Dean” , “post@sivilombudsmannen.no”

    Hi,

    thank you for your e-mail!

    I’ve sent cases to ombudsmen many times now, and they’ve never done anything.

    (Escpecially the Sivilombudsmannen in Norway, never do anything).

    My grandfater once told me, before he died, that he didn’t understand the point with a new ombudsman, (like the IPCC), in Norway.

    So it isn’t easy, with the ombudsmen.

    That’s why I copied my e-mail to a lot organisations.

    But that was merely a copy for your information, (like they say).

    Thanks again for the reply!

    Best regards,

    Erik Ribsskog

    PS.

    Do you mean that these, (the Financial Ombudsman), aren’t part of the government then, since you don’t want to investigate them?

    Are they a charity like the Citizens Advice Bureux?

    (This in the PS isn’t that important, I can check that up myself, on the Financial Ombudsman’s webpages).

    PS 2.

    You advice me to send this to the Financial Ombudsman as a service-complaint, I see now.

    So I send a copy of this e-mail to them as a service-complaint then.

    Thanks for the advice!


    2017-11-09 16:04 GMT+00:00 PHSO Enquiries <phso.enquiries@ombudsman.org.uk>:




    In Confidence
    Mr Erik Ribsskog


    9 November 2017

    Dear Mr Ribsskog

    Your complaint about the Financial Ombudsman

    Unfortunately we cannot look at your complaint, which means we will not be taking any further action.

    Why are you unable to look at my complaint?
    We only have the legal power to investigate complaints about certain organisations. We can investigate complaints about the NHS in England and certain government departments and other public organisations in the UK. As your complaint is not about an organisation that we can investigate, we are unable to help you.

    What can I do next?
    You should contact the Financial Ombudsman Service and make a service complaint.

    Can I get help with my complaint?
    You can ask your local Citizens Advice Bureau for help with making your complaint. If you are not sure about what you can do next, please call us on 0345 015 4033 and we will do our best to help you. 

    I am sorry that we could not help you this time. If you have any questions about our decision then please contact me using the details given in this letter. 

    How we handle your information
    Please note that we will keep all information about you and your complaint for one year after we have taken our last action on your case.  At that point, we will delete most of your information, except for your name, your address, the name of the organisations you complained about, what you complained about, and the outcome.

    To find out more about what happens to the information you give us, please visit www.ombudsman.org.uk/information-you-give-us. If you would like us to send you further details, please let us know. 

    Help us improve our service
    You can also give us feedback on our service or decision by talking to our Customer Care Team.  Please contact the Team on 0345 015 4033 and select option 3 or email us at feedbackaboutus@ombudsman.org.uk.   

    Our independent research company may also invite you to take part in a survey to help us improve our services.  We survey people at different points throughout our process.  Any feedback you give within these surveys will remain completely confidential, and your responses would only be shared in an anonymous format, unless you tell us otherwise.

    If you would prefer not to take part please call us on 0300 061 4222, or email customersurvey@ombudsman.org.uk


    Yours sincerely






    Adrian K. Butterworth



    Intake caseworker




    ______________________________________________________________________
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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)

    Erik Ribsskog  7. november 2017 kl. 17:25

    Til: “Ashmore, Dean”

    Kopi: admin , post@finkn.no, post , Phso Enquiries , “complaint.info”

    Hi,


    I told you to escalate this.

    Trenering isn’t the only Norwegian word, I think about, to do with this.

    We also have a word named ‘kveming’.

    Please stop with the kveming, and send this to a superior now.

    Erik Ribsskog


    2017-11-07 15:02 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog

    RE: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Thank you for getting back to me.

    I’m afraid without you responding to our declaration or completing the complaint forms sent on a variety of occasions, we’ll be unable to respond and investigate your concerns.

    I’m sorry you feel we’ve used or are using delaying tactics, but unfortunately we can’t investigate your case without the above information.  

    If you would still like for us to investigate your complaint, please complete and sign the attached complaint form or see the declaration below and tell me if you accept this.  Once I’ve received either of these I can begin investigate your concerns.

    It would also be helpful if you could tell me what your concerns are, this is because I’ve seen that you have issues with a variety of businesses, so in order to avoid delays please tell me a summary of what has happened with each business.

    Without the above information, I’m afraid any emails you send, without the information required to move your complaint forward, would be added to your file, but I’m sorry to say we won’t be responding to those going forward.

    Kind regards


    Dean Ashmore| Investigator
    Financial Ombudsman Service +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 07 November 2017 11:31
    To: Ashmore, Dean
    Cc: Shared_global_External Enquiries; emb.london; admin; post@finkn.no; post; Phso Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Hi,


    the problem seems to be that you have had a corrupt college, who has been doing ‘trenering’ like we say in Norway, (‘delaying tactics’).


    So you need to send this to a superior.


    Also I should get a big economical compensation for this trenering.


    Erik Ribsskog

    2017-11-07 11:12 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Thanks for getting in touch. Brian has recently left the organisation so I’ve been allocated your case.
    I’ve reviewed your file and can see that you’ve had numerous issues with the bank. For me to progress your complaint, I would like to ask if you could put the issues you’ve been having with RBS in a concise email and I’ll begin investigating.
    Also, in order to investigate your complaint I need to obtain your formal consent. Please read the statement and let me know if you agree:
    · I would like the Financial Ombudsman Service to look into my complaint. To the best of my knowledge, everything I have told you is accurate.

    • I understand you will need some details about me, which might include personal or sensitive information. And I understand that you and the business I’ve complained about, and sometimes other parties, will need to share information about me to help resolve my complaint.
    helping us to improve our service


    We’d also like to get your feedback about using our service. Taking part is completely optional. Your answers would be confidential and would only be used to improve what we do.


    i’d like you to look into my complaint – what do I need to do now?


    In the next seven days, please:


    1. reply to let me know you agree to the declaration.
    2. let me know if you’d be happy for us to get in touch for your feedback about our service.
    3. provide me a concise list of issues you’ve been having
    Kind regards
    Dean Ashmore| Investigator
    Financial Ombudsman Service
    +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk



    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.




    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.


  • Jeg sendte en e-post til the Financial Ombudsman Service

    Erik Ribsskog

    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Erik Ribsskog  7. november 2017 kl. 11:31

    Til: “Ashmore, Dean”


    Kopi: “complaint.info” , “emb.london” , admin , post@finkn.no, post , Phso Enquiries


    Hi,

    the problem seems to be that you have had a corrupt college, who has been doing ‘trenering’ like we say in Norway, (‘delaying tactics’).

    So you need to send this to a superior.

    Also I should get a big economical compensation for this trenering.

    Erik Ribsskog



    2017-11-07 11:12 GMT+00:00 Ashmore, Dean <Dean.Ashmore@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog

    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Thanks for getting in touch. Brian has recently left the organisation so I’ve been allocated your case.

    I’ve reviewed your file and can see that you’ve had numerous issues with the bank. For me to progress your complaint, I would like to ask if you could put the issues you’ve been having with RBS in a concise email and I’ll begin investigating.

    Also, in order to investigate your complaint I need to obtain your formal consent. Please read the statement and let me know if you agree:

    ·         I would like the Financial Ombudsman Service to look into my complaint. To the best of my knowledge, everything I have told you is accurate.

    • I understand you will need some details about me, which might include personal or sensitive information. And I understand that you and the business I’ve complained about, and sometimes other parties, will need to share information about me to help resolve my complaint. 
    helping us to improve our service

    We’d also like to get your feedback about using our service. Taking part is completely optional. Your answers would be confidential and would only be used to improve what we do.

    i’d like you to look into my complaint – what do I need to do now?

    In the next seven days, please:

    1. reply to let me know you agree to the declaration.

    2. let me know if you’d be happy for us to get in touch for your feedback about our service.
    3. provide me a concise list of issues you’ve been having
    Kind regards


    Dean Ashmore| Investigator
    Financial Ombudsman Service +Exchange Tower | London | E14 9SR
    ( +44 (0)20 3487 2816
    *Dean.Ashmore@financial-ombudsman.org.uk



    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.


  • Mer fra Liverpool

    I dag, (torsdag), så har jeg vært, nede i sentrum, og gjort noen ærend.

    Jeg har også vært og handla mat, (i kveld), på Tesco Superstore Old Swan.

    Så sånn er det.

    Bare noe jeg tenkte på.

    Mvh.

    Erik Ribsskog

    PS.

    I sentrum, så var jeg innom banken og posten.

    (Jeg har skrevet en klage, (på Barclays), til the Financial Ombudsman Service.

    En klage som jeg har publisert, i en bloggpost, tidligere i dag).

    Og spesielt i banken, så måtte jeg vente lenge.

    Så jeg gikk til McDonalds Lord Street, (etter å ha vært, i banken og på posten).

    Og der, så var det sånn, at de hadde såpevann på gulvet, under bordet ‘mitt’.

    Så det var sånn, at jeg tenkte, at prøver de, å få meg til, å ødelegge ankelen, (eller noe lignende).

    For de dreiv også, og ‘jagde meg’, innover i lokalet, ved å spraye, noe slags såpe/væske, på gulvet, like ved der jeg satt.

    (Sånn at det var ikke åpenbart, om maten kom til å smake såpe/kjemikalier, eller ikke, liksom.

    For å si det sånn).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 2.

    Her er mer om dette:

    IMG_20171005_172658

    IMG_20171005_172816

    IMG_20171005_172820

    IMG_20171005_172826

    IMG_20171005_172829

    PS 3.

    På Matalan så var det sånn, at ei kassadame liksom skrålte høyt, og kalte meg ‘love’, flere ganger.

    Det ble nesten, litt for mye av det gode, (vil jeg si).

    (Noe sånt).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 4.

    ’99 p-shop’-en, på St. Johns-senteret, var visst nå erstattet, med en Poundland-butikk.

    (Var det vel).

    Og selvbetjeningskassa ‘klikka’, fordi at jeg kjøpte en saks.

    Og det hang heller ikke poser, ved selvbetjeningskassene.

    (Jeg måtte hente, en bærepose, ‘borti der’, liksom.

    For å si det sånn).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 5.

    På bussholdeplassen, så var det, gateteater-bonanza, (vil jeg si).

    Blant annet så var det sånn, at ei gammal skrulle, med hvit og blått hår.

    Hu stod foran bussen, og vinka, (eller noe sånt).

    Og så flytta hu seg, mot inngangen til bussen.

    (Som for å markere at hu skulle gå på bussen).

    Og så kjørte bussen.

    Så jeg kom jo ikke med bussen.

    Og noe lignende hendte, når den nesten bussen kom og.

    (Men da var det en transvestitt, som plutselig dukka opp der.

    Istedet for hu skrulla, liksom).

    Så jeg kom meg først med, den tredje bussen.

    Og det var også mye mer kaos der og.

    Blant annet fordi, at ingen av bussene, var der, når de skulle.

    (Og de gikk til forskjellige steder).

    Selv om klokka var, etter klokka 18, (var det vel).

    Og da tuller buss-sjåførene, (mistenker jeg), hvis de ikke klarer, å være i rute, på den tida av døgnet, (det vil si lenge etter, at rush-tiden, vel skal være ferdig).

    Så sånn er nok det.

    Bare noe jeg tenkte på.

    Men men.

    PS 6.

    Her er mer om dette:

    IMG_20171005_181413

    IMG_20171005_181416

    IMG_20171005_182242

    IMG_20171005_182506

    IMG_20171005_182508

    IMG_20171005_182908

    PS 7.

    På Tesco Superstore Old Swan, så var det, rimelig klamt, å handle, (vil jeg si).

    For det første, så var det, en kunde-kar, som absolutt skulle sette tilbake vogna si, da jeg tok en handlevogn.

    Og han venta liksom ikke, til jeg var ferdig.

    Så det ble rimelig klamt/ubehagelig, (vil jeg si).

    Og det var ikke noe mindre klamt, inne i butikken, (vil jeg si).

    Det var alt for mange butikk-folk, (vil jeg si), som stod i veien, (gjerne i to-spann), ‘overalt’.

    Og jeg husker, at jeg tenkte, at disse butikkfolka, er så klamme og svette, liksom.

    Og de går liksom ikke, ‘opp i rett’, og gjør seg, (og rotet sitt), smale liksom.

    Når en kunde går forbi.

    Og da jeg stod og så på, en burger, som var på tilbud.

    Så kom det, en Tesco-kar, (med et bur), bort til der jeg stod.

    Som for å markere seg, (og jage meg bort), vil jeg si.

    Så her er det medarbeiderne som er kongene, (og ikke kundene), vil jeg si.

    (Noe sånt).

    Og det var også sånn, at det virka som, at ei ‘Tesco-dundre’, skrudde av selvbetjeningskassa ‘mi’, etter at jeg hadde handla i den.

    Og så kjørte hu ut to handlelapper/rapporter, (virka det som).

    Og da skjønte jeg ingenting, (må jeg innrømme).

    Og da tenkte jeg på det, som Sainsbury’s en gang skrev til meg, (for noen år tilbake), at medarbeiderne, (i selvbetjeningskasse-avdelingen), alltid skulle: ‘Explain the interaction’.

    Nå var kanskje ikke dette, en ‘interaction’.

    Men rart var det, ‘åkke som’, (vil jeg si).

    Så dette var, som noe ‘merksnodig’, (må jeg nesten si).

    For jeg var hjemme, og ferdig med å pakke ut varene mine, før midnatt, (som er stengetida, til denne butikken).

    Så det virker ikke åpenbart, at den ‘kålinga’, til hu ‘Tesco-dundra’, hadde noe, med stenging å gjøre heller.

    (For å si det sånn).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 8.

    Fler mobilbilder:

    IMG_20171005_160908

    IMG_20171005_162901

    IMG_20171005_163040

    IMG_20171005_165435

    IMG_20171005_171957

    IMG_20171005_174253

    IMG_20171005_175348

    IMG_20171005_175352

    IMG_20171005_223932

    IMG_20171005_224625

    IMG_20171005_235805

    PS 9.

    På Barclays, så var det også sånn, at han ‘Barclays-komikeren’, (med det trimmede helskjegget).

    (Som jeg har klaget på, til the Financial Ombudsman Service.

    Noe jeg har publisert om, i en tidligere bloggpost).

    Han begynte å gnåle om, om jeg hadde, deres app.

    Og det svarte jeg bare ‘nei’ til.

    For jeg har fortsatt juryen litt ute, når det gjelder app, liksom.

    Og først så måtte man gå i banken, for å betale regninger.

    Og så var det brevgiro.

    Og så var det internett-bank.

    Og så er det visst app, da.

    Men makan til å bli jaget rundt, (fra løsning til løsning), av bankene, da.

    Og app.

    Jeg testet jo Rema sin ‘Æ’-app, da den dukket opp, for noen måneder siden.

    Og den var ikke brukervennlig, (vil jeg si).

    Den kunne ikke brukes, på Windows 10, (for eksempel).

    Og vel heller ikke på Windows-mobiler.

    Man måtte ha Apple eller Android.

    Og Apple er jo, et premium brand.

    Man betaler ekstra, for navnet, (må man vel si).

    Og Android er vel, noe ‘nerde-greier’, (må man vel nesten si).

    Så app er visst bare, for ‘jøder’ og ‘nerder’, da.

    (Noe sånt).

    Og jeg mistenker, at de som lager app.

    Det er de som ikke klarer/ønsker, å lage web-design, som blir brukbar, både på mobil, nettbrett og PC.

    (Noe sånt).

    Så sånn er muligens det.

    Bare noe jeg tenkte på.

    Men men.

    PS 10.

    ‘Barclays-komikeren’ gnålte også, siden at jeg ikke hadde kontaktet Barclays, i løpet av de tre årene, som jeg har bodd, i Norge.

    (Fra 2014 til 2017).

    Men det var jo ingen transaksjoner, på kontoen, i løpet av disse årene.

    Og jeg forklarte, at Barclays ikke hadde, en e-post-adresse, for generelle henvendelser, på sitt nettsted.

    Og at jeg nok ville ha kontaktet de, hvis de hadde hatt det.

    (For min Barclays-kortleser, (som jeg trengte til, Barclays sin nettbank), ble stjålet.

    Sammen med resten av tingene mine, fra Slependveien, i 2015.

    Og dette var det ingen i Norge, som brydde seg om.

    Så jeg skulle gjerne prøvd, å varslet noen, i England, om det.

    I tilfelle at de, var mer ‘normale’ liksom, (enn nordmenna), da.

    For å si det sånn.

    Men når ikke Barclays hadde noen e-post-adresse, på sitt nettsted.

    Så ble det, rimelig kronglete da, (å kontakte Barclays).

    For å si det sånn).

    Men da svarte ikke ‘Barclays-komikeren’ noe.

    (Av en eller annen grunn).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 11.

    ‘App’ er vel forresten ‘Apple-terminologi’.

    (Mistenker jeg).

    Det var et ord, som kom, med iPhone.

    (Hvis jeg ikke tar helt feil).

    Jeg innrømmer at jeg hoppet litt på iPod-hypen, (like etter årtusenskiftet).

    Men iPhone-hypen har jeg liksom aldri hoppet på.

    Jeg har aldri eiet, en iPhone, (som kom, mens jeg bodde, i Leather Lane, (hvor jeg bodde, fra 2006 til 2011), her i Liverpool).

    For jeg lurte vel på, hva det var, som var så spesielt, med iPhone, liksom.

    Det var vel bare, en dyr telefon, for meg.

    Og det samme med iPad.

    Jeg hoppet aldri på den hypen, heller.

    (Jeg har også hatt dårlig råd, det meste av tida, etter 2006.

    Så det har kanskje også vært litt av grunnen).

    Men når det gjelder Apple sine produkter.

    Så betaler man mye penger ekstra, på grunn av navnet, (vil jeg si).

    Og de pengene, gjør Apple, til et av verdens største/mektigste firma.

    Men egentlig, så er det vel litt, som keiserens nye klær, noen ganger, (når de står, og presenterer, sine nye ‘duppeditter’, på et slags ‘Hitler/Jesus-vis’), må man vel si.

    (Noe sånt).

    Og hva betyr egentlig ‘app’.

    Det er vel det samme, som ‘vanlige’ folk kaller ‘programmer’.

    Men nå har mange av ‘appene’ innebygget internett-funksjonalitet.

    Muligens på grunn av, at for iPhone, så har det vært få nettsteder, som har vært lette, å lese.

    Siden at interface-et, (det vil si skjermen og tastaturet), for smart-telefoner, er knøttete.

    (Må man vel si).

    Så har ikke bruker-opplevelsen, blitt særlig bra, når man surfer.

    Og noen har da istedet laget et program, for at brukeropplevelsen skulle bli bedre, på iPhone, (og seinere også på Android).

    (Og kalt dette programmet, en ‘app’).

    Og så skjønner ikke folk i banker osv., hvor ordet app kom fra etterhvert.

    Men de driver og hyper dette, som et slags fremskritt, liksom.

    Når det egentlig er, en slags nødløsning, (må man vel si).

    (Noe sånt).

    Så sånn er nok det.

    Bare noe jeg tenkte på.

    Men men.

    PS 12.

    Jeg la forresten også merke til, at ‘Barclays-komikeren’, hadde en Lenovo-PC, (eller ihvertfall et Lenovo-tastatur), foran seg, på skrivebordet sitt.

    Og det merket, kviet jeg meg, for å kjøpe.

    (Må jeg si).

    Da jeg så etter ny PC, (på PC World og Argos), i forrige uke.

    For det merket, (Lenovo), oser litt, av Lenin og Sovjetstat, (synes jeg nesten).

    Og det merket, er visst laget, i Kina, (som vel fortsatt er et kommunistland), så jeg nå, på Wikipedia.

    Så sånn er det.

    Bare noe jeg tenkte på.

    Men men.

    PS 13.

    Her er mer om dette:

    lenovo wiki

    https://no.wikipedia.org/wiki/Lenovo

    PS 14.

    Det var forresten sånn, at mens jeg stod, i resepsjons-køen, (i andre etasje), hos Barclays.

    (Før jeg ble bedt om, å sette meg ned, der hvor jeg leste, om utestedet Frederiks, på et av bildene ovenfor).

    Så var det, et ungt par, som bare ‘duret’ inn der.

    (Forbi resepsjons-køen).

    Og disse ble tatt igjen liksom, av ei kjapp Barclays-dame, da.

    Og det som var litt rart, (må man vel si), var at mannen, i dette unge paret, hadde på seg, en Sky-jakke, (altså som i Sky TV da).

    Og det var litt sånn, (syntes jeg), at han liksom gikk, og viste fram Sky-logoen, på ryggen, på jakka si, da.

    (Noe sånt).

    Så dette var muligens noe gateteater, (mistenker jeg).

    (Noe sånt).

    Så sånn var muligens det.

    Bare noe jeg tenkte på.

    Men men.

    PS 15.

    Da jeg gikk inn, i første etasje.

    Så var det kaos der.

    Jeg har jo vært der to-tre ganger tidligere, (i årenes løp), for endre adressen min.

    Så jeg vet at jeg skal opp i andre etasje.

    (For jeg var der jo i august og).

    Og ei Barclays-dame, som stod, litt bort mot trappa, (opp til andre etasje).

    Hu fjerna seg, akkurat da jeg gikk inn, i første etasje.

    Men Barclays-damene hadde, et slags ‘kringvern’ der.

    (Eller hva man skal kalle det).

    Og ei Barclays-dame #2, begynte, å gaule etter meg.

    Hva skulle jeg, osv.

    Så da jeg endelig kom fram, til ‘Barclays-komikeren’.

    Så ble jo det nesten, som i eventyret den syvende far i huset.

    (For å si det sånn).

    Med alle disse rare ‘Kafka-sperrepostene’ som Barclays hadde.

    (Må man vel kalle det).

    Så sånn var det.

    Bare noe jeg tenkte på.

    Men men.

    PS 16.

    Her er mer om dette: