johncons

Stikkord: The Financial Ombudsman Service

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

    Erik Ribsskog
    Update/Fwd: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Erik Ribsskog  5. oktober 2017 kl. 20:03

    Til: “Smith, Brian”

    Kopi: “complaint.info”

    Hi,

    thank you for your e-mail!

    With this e-mail I also forward copies of the earlier correspondence, so that you should be able to find the relevant information.

    Please inform me if there is anything else you wonder about.

    I was at Barclays Church Street in Liverpool City Centre today.

    And an employee there, was acting, like a comedian.

    About two months ago, Carrie there told me, (for some reason), that she couldn’t accept my driving-licence as ID.

    (To do with that I wanted to change my address with them).

    She told me that I had to get a (new) passport.

    Something which I had planned to get anyway, so that wasn’t a problem, and it finally arrived, (from the Norwegian embassy in London), the other day.

    And I told the comedian, that I wanted to try to change my address with them again.

    (Now with the passport.

    In addition to the driving-licence).

    And the comedian, (who was in his 30’s with a trimmed full beard that was brown I think), went away to file a form.

    And came back and said they couldn’t accept my passport as ID.

    And I asked him if he was joking.

    And he was, it turned out.

    So is this that Barclays try to kill their customers by trying to make them have heart-attacks?

    This I wanted to complain about.Regards,

    Erik Ribsskog

    2017-09-15 12:13 GMT+01:00 Smith, Brian <Brian.Smith@financial-ombudsman.org.uk>:

    Good afternoon Mr Ribsskog

    Thank you for your email, I’ve noted the contents on the file.

    I’d refer you back to my email dated 23 August 2017 and I’d ask you to respond to the information request that I made on that date. I’ve attached the email for reference.

    Please forward your response to complaint.info@financial-ombudsman.org.uk and we’d then be able to advise further.

    Kind regards

    Brian Smith.



    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 12 September 2017 17:36
    To: complaint.info
    Cc: emb.london;admin;post@finkn.no
    Subject: Update/Fwd: New update/Fwd: Update/Fwd: New complaing/Fwd: Yourcomplaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Hi,


    yesterday I went, to RBS in Dale Street, with a utility-bill, to update my address with them.


    And there were no staff in the reception.


    So I had to go, to the ‘holes in the wall’.


    And it was chaos, because there wasn’t sign informing about were to start queing.


    And I got to speak with Michelle, (who could possibly be the same Michelle that I had a meeting with there, about ten years ago, to do with that I switched current-account from Barclays to RBS).


    And she pretended not to hear what I said.


    So I had to speak very high.


    So this I thought was very strange.


    So this I wanted to complain about.


    Regards,


    Erik Ribsskog


    PS.


    Also, when I tried to pay the rent, with my RBS-card, last week.


    Then that didn’t work.


    (And I had to use my Nordea-card).


    And that was very embarresing, (since it was at the estate agents), I’d say.


    But Michelle said that there were ‘no attemt of payment’, for that day, (Tuesday last week).


    Can this be right, I was wondering.


    This I wanted to complain about.


    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-04 9:35 GMT+01:00
    Subject: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no


    Hi,


    I just thought, that I’d send, a new update, about the problems with the banks.


    Yesterday I went to RBS in Dale St., (here in Liverpool).


    And that was because, that RBS, had sent me three text-messages.


    In one of the text-messages, they wrote, that they had changed, my ‘home-number’.


    But I had only asked them to change my mobile-number and address.


    I went to the bank.


    And I had to sit there, for about half an hour.


    Because there were no staff, in the information-department there, (or what they call it).


    Even if the bank was still open.


    (This was at around 3.30 PM.


    And RBS close at 4.45 PM, it says, on the RBS website).


    After a while, I went over, to the cashiers.


    And Anette, (who I remember, that used to work, in the information, a few years back, was sitting there, counting some notes).


    So Anettes collegue, (a blond woman I think, in her 40’s), told me that Heather had put my mobile-number where my home-number used to be, (the day before), on their system.


    And that was ‘fine’, the RBS-woman said.


    But I’ve now checked the internet-banking, and it doesn’t even mention ‘home-number’, as far as I can see.


    Anyway I also was, at RBS, on Tuesday, (like mentioned earlier).


    And then Anette, (the now cashier), told me, that RBS don’t excange NOK, (Norwegian Kroner).


    And that I suspect, can have been, something which perhaps, isn’t true.


    Because when I look at the internet, I can see, that RBS publish their echange-rate, for NOK.


    And I’ve also earlier changed NOK, in the UK.


    (At Barclays and the Post Office, at least).


    So this I wanted to complain about.


    Best regards,


    Erik Ribsskog


    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:57 GMT+01:00
    Subject: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no


    Hi,


    I just remembered something more.


    When I last year, (I think it must have been), tried to change my RBS-address, (to my Norwegian address).


    Then I went to RBS’s office, in Oslo.


    (Because RBS had a big neon-sign, on a Oslo city center-building.


    So I knew they were around.


    Even if they had moved from the ‘neon sign-building’ to a building where Breivik, (and my half-brother), had worked.


    It later turned out).


    And RBS Oslo couldn’t help me change my address.


    They weren’t a proper branch, it seemed.


    So this I wanted to complain about.


    Also I noticed, in the meetings with Carrie, (at Barclays Lord Street), that she doesn’t use the ‘thouch-method’, when she types.


    So is this the candid camera comedy TV-show, or something, I was wondering.


    I thought all bank-staff had gone to business-school and learned to type using the thouch-method, (that we learn at business/mercantile-school, (‘handel og kontor’), in Norway, at least).


    This I wanted to complain about.


    Best regards,


    Erik Ribsskog


    PS.


    Sorry for all the typos, in the last e-mail.


    But my hotel-room is a bit dark unfortunatly, (for some reason).


    But now there’s more daylight.


    So this e-mail should hopefully be better that way, at least.


    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:08 GMT+01:00
    Subject: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no


    Hi,


    I’ve now moved back to the UK, and I’ve had a bit problems, with RBS and Barclays.


    I’ve often used hostells as my bank-address, (the Scandinavian Church hostel in Liverpool, and also International Inn, in Liverpool).


    But now RBS and Barclays first didn’t want to accept my hotell-address.


    Jayne at RBS said: ‘Things have changed’, (since 2014, I guess).


    (This was on Tuesday).


    But Anette there wondered if I had gotten my British phone-number.


    But the phone-numbers stops working after six months, if one are abroad, Virgin told me, later on Tuesday.


    So I got a replacement phone-number.


    And I then went back to RBS yesterday.


    And Heather there updated my phone-number and address.


    At Barclays they said I had the wrong ID, (for updating my address).


    Carrie there wouldn’t accept my emergency passport, (I lost my passport, in Liverpool, around 2010, and needed to get a new one, at the airport in Oslo, (with the Police there), on Sunday).


    And Barclays wouldn’t accept my driving licence, (from 2002 (1995)).


    Even if I must have used that exactly same driving licence, when I updated my address there, (in the same Barclays branch, in Church/Lord Street, in Liverpool), three times, (I think it must have been), in 2012.


    So that I wanted to complain about.


    Also I had a meeting with Carrie yesterday.


    And on Tuesday, I had a meeting first with Carries collegue.


    And I remember all the RBS-names.


    But not the name of Carries collegues, (in/around the reception there).


    RBS-staff have name-signs, but do really all Barclay staff have name-signs I’m wondering.


    No, I deer to say that half the Barclays-staff aren’t wearing name-signs, (at least).


    So this I wanted to complain about.


    Also Barclays-staff #1 wanted my to try my pin-code, on Tuesday.


    I hide pin-codes a bit, because I read in a paper, you shouldn’t just write the pin-code in case one are robbed.


    So I didn’t get the pin-code right.


    (Because I have to Barclays-accounts.


    One student-account from Sunderland, in 2004.


    And one current-account from Bootle in 2014).


    And I didn’t want to try more than two pin-codes.


    Because then the card would be blocked.


    But even if I explained this to Carrie yesterday, even so she told my to type a pin-code.


    With the result that my Bootle-Visa-card was blocked.


    So this I wanted to complain about.


    I also complained to Carrie that Barclays don’t have a general enquiery e-mail address, on their website.


    Then I would have contacted them much earlier.


    Because all my stuff was stolen from my, when my bedsit/flat, (in Norway), was robbed, in February 2012.


    There was only a bus-ticket and a razor-blade left.


    All my clothes and my computer etc., was stolen.


    Including a bard reader from Barclays and my Bootle-account cheque-book.


    And I hadn’t gotten to report about this, since Barclays don’t use e-mail.


    I also have an account with RBS.


    (RBS had a promotion, where they gave me £100, in 2007, for switching to them.


    And I had recently been a jobseeker then, I those money came in handy).


    But for some reason, my sister sent me money, to my UK PayPal-account, last year, (I think it was).


    And then I had to use a lot of time, to contact RBS.


    Because those money ended up on my RBS-account.


    And I had to chat with RBS for many hours, on their web-chat.


    (A chat that doesn’t e-mail the custommers a summary of the chat.


    For some reason).


    And I had to use many hundred NOK, to call RBS, (from my Norwegian mobile).


    To change my address.


    So that RBS could send me a Visa-card that worked.


    Since my RBS Visa-card didn’t work, (last year), even if it hadn’t expired.


    So I’ve used a lot of time and money, to contact RBS.


    And hadn’t gotten to Barclays yet.


    Even if I had thought about that why don’t Barclays have a general enquiery e-mail address, on their website.


    Then I would have updated them about the stolen cheque-book etc., much earlier.


    I had my Sunderland-account-Visa card.


    But it had expired in 2016.


    I said to Carrie that they should block the other Sunderland-cards issued after 2014.


    Because I reackoned that those cards must have been sent to my old UK address.


    And I also reackon that someone else lives there now, (on that address, in L4).


    And then Carrie told me that no later cards had been issued/sent in the post, (since 2014).


    Even if my old Sunderland-Visa-card expired in 2016.


    So what has happened here, I was wondering.


    I haven’t gotten to tell Barclays that I’ve moved back to Norway, in 2014.


    And still they stop the new card, in 2016.


    Hm.


    That wasn’t explained to me, what had happened here.


    So that I wanted to complain about.


    I deposited some money, (760 pounds), on my Barclays Bootle-account, on Tuesday.


    But later the same day, I remembered, that the cheeque-book, for that account, was stolen, in 2015.


    And yesterday, I asked Carrie if they could transfer those money to my Barclays Sunderland-account.


    Because I thought those money would be safer on the Sunderland-account, because that acount, didn’t have a stolen cheque-book.


    But Carrie refused to transfer the money, (to my Sunderland-account).


    So that I wanted to complain about.


    (The reason I got a Bootle-account, is really because I was there to discuss a co-owned property, which I owned/own, a part of, in Norway.


    But Barclays didn’t want to sell this property for me, and instead I ended ut, with a new current-account.


    Which I didn’t really need.


    So it’s a bit chaos, with my Barclays-banking.


    That’s why I’ve gone to Barclays twice, about this, this week).


    Also it was chaos at Barclays.


    They’ve closed their branches in Water Street and Whitechappel.


    And the Church Street/Lord Street one, has to many custommers in it.


    Yesterday it was a queue, both for the chairs and for the reception, in the first floor, at Barclays Lord street.


    I ended up, in an embarrasing situation, where I thought that two Chinese women, where queing, for a chair.


    So I waited for them, so to let them have the only free chair, (after that I had been standing there, waiting for meeting with Carrie, for 20-30 minutes, or something like that).


    But it turned out, that the Chinese women, where queing, not for the chair, but for the reception.


    So they were insulted by me standing next to them, while I waited for them to grab the last chair, it seemed.


    Because the waiting-room was to small.


    And if I waited in the stair-case, then people thought I was queing there.


    So this was chaos, and Barcalys/the Chinese women, made me look dum, I think.


    So this I wanted to complain about.


    (It also was a lot of circus/noise there, since a Pakistani family, had a meeting in the waiting room/reception there.


    They were both parents, and at least one noisy child, and possibly also grand-parents.


    So Barcalys Lord Street need more space, and perhaps they need to stop having a combined reception/waiting-room.


    If they split them up, then that would perhaps be a good idea.


    Even if they also have a second waiting-room, further inside, on that floor.


    So it’s a bit ‘Russian’ perhaps.


    Barclays should perhaps then rather open up one or two of their old Liverpool City Centre-branches.


    One could think.


    So that people wouldn’t stand as ‘sild in tønne’, (fish in a barrel), there.


    So that I wanted to complain about).


    Also Carrie still didn’t want to accept my new address yesterday.


    They want me to get a new passport.


    But the Norwegian consulate in Liverpool, have stopped issuing passports, (a few years ago).


    And it’s quite far, to London.


    And one need a special apointment, with the Norwegian embassy, (in London), to get a passport.


    And that apointment, (that one get, if one call), can be, like many weeks/months, into the future.


    So that could take several months for me, to get, a regular passport.


    And I also have lots of other important things to do.


    Like finding a flat, going to the dentist, etc.


    So Barcalys are being a bit difficult and unreasonable, towards me, I think.


    So this I wanted to complain about.


    Carrie also wanted me to throw my expired Sunderand-Visa-card.


    But that’s the only place, where I have my Sunderland-account-number now.


    (Since people don’t get proper statements any longer.


    People get nagged about switching to paperless statements.


    And in the end it then can be difficult to find ones account-numbers etc.


    So this I wanted to complain about.


    Regards,


    Erik Ribsskog


    PS.


    Carrie want’s me to call the Norwegian embassy in London.


    But if I put the telly on, at my hotel-room.


    Then people knock on my door, (due to that they are very sensitive towards sound), it seems.


    So it’s not easy finding a quiet place outdoors, (in Liverpool City Center), from which I can call the embassy, (from my mobile).


    So Barcalys are being difficult, I think.


    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-05-21 6:27 GMT+01:00
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “Reyneke, Andre” <Andre.Reyneke@financial-ombudsman.org.uk>
    Cc: post@finkn.no


    Hi,


    I’ve learned about this, at business-school.


    And it should be necessary, to fill out, a lot of forms, (all the time).


    It should be enough, to just explain about this, in normal writing.


    Erik Ribsskog


    PS.


    You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).


    So this is something you do at your spare-time, I guess?


    Thats why you don’t understand this, about the forms, I reacon.
    I also asked you to escalate, (to a line-manager), in the last e-mail.


    I can’t see that you’ve done that.


    So that I wanted to complain about.




    2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog

    Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.

    I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.

    Kind regards,


    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR










    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 20 March 2017 05:41
    To: Reyneke, Andre
    Cc: post@finkn.no; post; Shared_global_External Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Hi,


    it shouldn’t be necessary to explain about this case, in a form, I think.


    It should be enough to just explain about this, in normal writing.


    Please escalate to a line-manager.


    Erik Ribsskog


    2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog


    Thank you for contacting us. Please find attached our complaint form and letter for your convenience.



    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR


    cid:image003.png@01D2A18A.62A2F050





    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.






    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.


    ———- Videresendt e-post ———-
    From: “Smith, Brian” <Brian.Smith@financial-ombudsman.org.uk>
    To: “‘eribsskog@gmail.com‘” <eribsskog@gmail.com>
    Cc:
    Bcc:
    Date: Wed, 23 Aug 2017 15:34:19 +0000
    Subject: RE: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint aboutThe Royal Bank of Scotland Plc (Our ref: 18610099)

    Dear Mr Ribsskog
    Thank you for your email(s).
    I can see that you’ve experienced a number of issues with different banks – some of which I may be able to help with and some which seem to relate to the business practices of the banks in question.
    I’d like to help as much as I can but I need to establish where you stand with your complaints to the different banks. If you could provide me with any responses that you’ve received to your complaints I would then be in a much better positon to advise further.
    I should point out that with any formal complaint a bank would have 8 weeks in which to investigate your concerns and issue you with a written response. We’d generally suggest that a complaint is made directly to the bank so as that it gives them the opportunity to address the issues with you directly – before our involvement.
    If we’re in a position to become formally involved with your case(s) I’d need you to either complete one of our complaint form, or alternatively we could speak on the phone to cover the declaration I would need to investigate further.
    Please let me know what you’ve received from the bank so as that I be of more assistance.
    Yours Sincerely
    Brian Smith.
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 04 August 2017 09:36
    To: complaint.info
    Cc: emb.london;admin;post@finkn.no    Subject: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint aboutThe Royal Bank of Scotland Plc (Our ref: 18610099)
    Hi,

    I just thought, that I’d send, a new update, about the problems with the banks.

    Yesterday I went to RBS in Dale St., (here in Liverpool).

    And that was because, that RBS, had sent me three text-messages.

    In one of the text-messages, they wrote, that they had changed, my ‘home-number’.

    But I had only asked them to change my mobile-number and address.

    I went to the bank.

    And I had to sit there, for about half an hour.

    Because there were no staff, in the information-department there, (or what they call it).

    Even if the bank was still open.

    (This was at around 3.30 PM.

    And RBS close at 4.45 PM, it says, on the RBS website).

    After a while, I went over, to the cashiers.



    And Anette, (who I remember, that used to work, in the information, a few years back, was sitting there, counting some notes).


    So Anettes collegue, (a blond woman I think, in her 40’s), told me that Heather had put my mobile-number where my home-number used to be, (the day before), on their system.


    And that was ‘fine’, the RBS-woman said.


    But I’ve now checked the internet-banking, and it doesn’t even mention ‘home-number’, as far as I can see.


    Anyway I also was, at RBS, on Tuesday, (like mentioned earlier).


    And then Anette, (the now cashier), told me, that RBS don’t excange NOK, (Norwegian Kroner).


    And that I suspect, can have been, something which perhaps, isn’t true.


    Because when I look at the internet, I can see, that RBS publish their echange-rate, for NOK.


    And I’ve also earlier changed NOK, in the UK.


    (At Barclays and the Post Office, at least).


    So this I wanted to complain about.


    Best regards,


    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:57 GMT+01:00
    Subject: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

    Hi,

    I just remembered something more.

    When I last year, (I think it must have been), tried to change my RBS-address, (to my Norwegian address).

    Then I went to RBS’s office, in Oslo.

    (Because RBS had a big neon-sign, on a Oslo city center-building.

    So I knew they were around.

    Even if they had moved from the ‘neon sign-building’ to a building where Breivik, (and my half-brother), had worked.

    It later turned out).

    And RBS Oslo couldn’t help me change my address.

    They weren’t a proper branch, it seemed.

    So this I wanted to complain about.

    Also I noticed, in the meetings with Carrie, (at Barclays Lord Street), that she doesn’t use the ‘thouch-method’, when she types.

    So is this the candid camera comedy TV-show, or something, I was wondering.

    I thought all bank-staff had gone to business-school and learned to type using the thouch-method, (that we learn at business/mercantile-school, (‘handel og kontor’), in Norway, at least).

    This I wanted to complain about.

    Best regards,

    Erik Ribsskog

    PS.

    Sorry for all the typos, in the last e-mail.

    But my hotel-room is a bit dark unfortunatly, (for some reason).

    But now there’s more daylight.

    So this e-mail should hopefully be better that way, at least.

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:08 GMT+01:00
    Subject: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

    Hi,

    I’ve now moved back to the UK, and I’ve had a bit problems, with RBS and Barclays.

    I’ve often used hostells as my bank-address, (the Scandinavian Church hostel in Liverpool, and also International Inn, in Liverpool).

    But now RBS and Barclays first didn’t want to accept my hotell-address.

    Jayne at RBS said: ‘Things have changed’, (since 2014, I guess).


    (This was on Tuesday).

    But Anette there wondered if I had gotten my British phone-number.

    But the phone-numbers stops working after six months, if one are abroad, Virgin told me, later on Tuesday.

    So I got a replacement phone-number.

    And I then went back to RBS yesterday.

    And Heather there updated my phone-number and address.

    At Barclays they said I had the wrong ID, (for updating my address).

    Carrie there wouldn’t accept my emergency passport, (I lost my passport, in Liverpool, around 2010, and needed to get a new one, at the airport in Oslo, (with the Police there), on Sunday).

    And Barclays wouldn’t accept my driving licence, (from 2002 (1995)).

    Even if I must have used that exactly same driving licence, when I updated my address there, (in the same Barclays branch, in Church/Lord Street, in Liverpool), three times, (I think it must have been), in 2012.

    So that I wanted to complain about.

    Also I had a meeting with Carrie yesterday.

    And on Tuesday, I had a meeting first with Carries collegue.

    And I remember all the RBS-names.

    But not the name of Carries collegues, (in/around the reception there).

    RBS-staff have name-signs, but do really all Barclay staff have name-signs I’m wondering.

    No, I deer to say that half the Barclays-staff aren’t wearing name-signs, (at least).

    So this I wanted to complain about.

    Also Barclays-staff #1 wanted my to try my pin-code, on Tuesday.

    I hide pin-codes a bit, because I read in a paper, you shouldn’t just write the pin-code in case one are robbed.

    So I didn’t get the pin-code right.

    (Because I have to Barclays-accounts.

    One student-account from Sunderland, in 2004.

    And one current-account from Bootle in 2014).

    And I didn’t want to try more than two pin-codes.

    Because then the card would be blocked.

    But even if I explained this to Carrie yesterday, even so she told my to type a pin-code.


    With the result that my Bootle-Visa-card was blocked.

    So this I wanted to complain about.

    I also complained to Carrie that Barclays don’t have a general enquiery e-mail address, on their website.

    Then I would have contacted them much earlier.

    Because all my stuff was stolen from my, when my bedsit/flat, (in Norway), was robbed, in February 2012.

    There was only a bus-ticket and a razor-blade left.

    All my clothes and my computer etc., was stolen.

    Including a bard reader from Barclays and my Bootle-account cheque-book.


    And I hadn’t gotten to report about this, since Barclays don’t use e-mail.

    I also have an account with RBS.

    (RBS had a promotion, where they gave me £100, in 2007, for switching to them.

    And I had recently been a jobseeker then, I those money came in handy).

    But for some reason, my sister sent me money, to my UK PayPal-account, last year, (I think it was).

    And then I had to use a lot of time, to contact RBS.

    Because those money ended up on my RBS-account.

    And I had to chat with RBS for many hours, on their web-chat.

    (A chat that doesn’t e-mail the custommers a summary of the chat.

    For some reason).

    And I had to use many hundred NOK, to call RBS, (from my Norwegian mobile).

    To change my address.

    So that RBS could send me a Visa-card that worked.

    Since my RBS Visa-card didn’t work, (last year), even if it hadn’t expired.

    So I’ve used a lot of time and money, to contact RBS.

    And hadn’t gotten to Barclays yet.

    Even if I had thought about that why don’t Barclays have a general enquiery e-mail address, on their website.

    Then I would have updated them about the stolen cheque-book etc., much earlier.

    I had my Sunderland-account-Visa card.

    But it had expired in 2016.


    I said to Carrie that they should block the other Sunderland-cards issued after 2014.

    Because I reackoned that those cards must have been sent to my old UK address.

    And I also reackon that someone else lives there now, (on that address, in L4).

    And then Carrie told me that no later cards had been issued/sent in the post, (since 2014).

    Even if my old Sunderland-Visa-card expired in 2016.

    So what has happened here, I was wondering.

    I haven’t gotten to tell Barclays that I’ve moved back to Norway, in 2014.

    And still they stop the new card, in 2016.


    Hm.

    That wasn’t explained to me, what had happened here.

    So that I wanted to complain about.

    I deposited some money, (760 pounds), on my Barclays Bootle-account, on Tuesday.

    But later the same day, I remembered, that the cheeque-book, for that account, was stolen, in 2015.

    And yesterday, I asked Carrie if they could transfer those money to my Barclays Sunderland-account.

    Because I thought those money would be safer on the Sunderland-account, because that acount, didn’t have a stolen cheque-book.

    But Carrie refused to transfer the money, (to my Sunderland-account).

    So that I wanted to complain about.

    (The reason I got a Bootle-account, is really because I was there to discuss a co-owned property, which I owned/own, a part of, in Norway.

    But Barclays didn’t want to sell this property for me, and instead I ended ut, with a new current-account.

    Which I didn’t really need.

    So it’s a bit chaos, with my Barclays-banking.

    That’s why I’ve gone to Barclays twice, about this, this week).

    Also it was chaos at Barclays.

    They’ve closed their branches in Water Street and Whitechappel.

    And the Church Street/Lord Street one, has to many custommers in it.

    Yesterday it was a queue, both for the chairs and for the reception, in the first floor, at Barclays Lord street.

    I ended up, in an embarrasing situation, where I thought that two Chinese women, where queing, for a chair.


    So I waited for them, so to let them have the only free chair, (after that I had been standing there, waiting for meeting with Carrie, for 20-30 minutes, or something like that).

    But it turned out, that the Chinese women, where queing, not for the chair, but for the reception.


    So they were insulted by me standing next to them, while I waited for them to grab the last chair, it seemed.

    Because the waiting-room was to small.

    And if I waited in the stair-case, then people thought I was queing there.

    So this was chaos, and Barcalys/the Chinese women, made me look dum, I think.

    So this I wanted to complain about.

    (It also was a lot of circus/noise there, since a Pakistani family, had a meeting in the waiting room/reception there.

    They were both parents, and at least one noisy child, and possibly also grand-parents.

    So Barcalys Lord Street need more space, and perhaps they need to stop having a combined reception/waiting-room.

    If they split them up, then that would perhaps be a good idea.


    Even if they also have a second waiting-room, further inside, on that floor.

    So it’s a bit ‘Russian’ perhaps.

    Barclays should perhaps then rather open up one or two of their old Liverpool City Centre-branches.

    One could think.

    So that people wouldn’t stand as ‘sild in tønne’, (fish in a barrel), there.

    So that I wanted to complain about).

    Also Carrie still didn’t want to accept my new address yesterday.

    They want me to get a new passport.

    But the Norwegian consulate in Liverpool, have stopped issuing passports, (a few years ago).

    And it’s quite far, to London.

    And one need a special apointment, with the Norwegian embassy, (in London), to get a passport.

    And that apointment, (that one get, if one call), can be, like many weeks/months, into the future.

    So that could take several months for me, to get, a regular passport.

    And I also have lots of other important things to do.

    Like finding a flat, going to the dentist, etc.


    So Barcalys are being a bit difficult and unreasonable, towards me, I think.

    So this I wanted to complain about.

    Carrie also wanted me to throw my expired Sunderand-Visa-card.

    But that’s the only place, where I have my Sunderland-account-number now.

    (Since people don’t get proper statements any longer.

    People get nagged about switching to paperless statements.

    And in the end it then can be difficult to find ones account-numbers etc.

    So this I wanted to complain about.

    Regards,

    Erik Ribsskog

    PS.

    Carrie want’s me to call the Norwegian embassy in London.

    But if I put the telly on, at my hotel-room.

    Then people knock on my door, (due to that they are very sensitive towards sound), it seems.

    So it’s not easy finding a quiet place outdoors, (in Liverpool City Center), from which I can call the embassy, (from my mobile).

    So Barcalys are being difficult, I think.

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-05-21 6:27 GMT+01:00
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “Reyneke, Andre” <Andre.Reyneke@financial-ombudsman.org.uk>
    Cc: post@finkn.no

    Hi,

    I’ve learned about this, at business-school.

    And it should be necessary, to fill out, a lot of forms, (all the time).

    It should be enough, to just explain about this, in normal writing.

    Erik Ribsskog

    PS.

    You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).

    So this is something you do at your spare-time, I guess?


    Thats why you don’t understand this, about the forms, I reacon.
    I also asked you to escalate, (to a line-manager), in the last e-mail.

    I can’t see that you’ve done that.

    So that I wanted to complain about.

    2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.
    I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.
    Kind regards,
    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 20 March 2017 05:41
    To: Reyneke, Andre
    Cc: post@finkn.no; post; Shared_global_External Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Hi,

    it shouldn’t be necessary to explain about this case, in a form, I think.

    It should be enough to just explain about this, in normal writing.

    Please escalate to a line-manager.

    Erik Ribsskog

    2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    Thank you for contacting us. Please find attached our complaint form and letter for your convenience.
    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR
    cid:image003.png@01D2A18A.62A2F050


    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
    Update/Fwd: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Erik Ribsskog  12. september 2017 kl. 17:35

    Til: “complaint.info”


    Kopi: “emb.london” , admin , post@finkn.no

    Hi,


    yesterday I went, to RBS in Dale Street, with a utility-bill, to update my address with them.

    And there were no staff in the reception.

    So I had to go, to the ‘holes in the wall’.

    And it was chaos, because there wasn’t sign informing about were to start queing.

    And I got to speak with Michelle, (who could possibly be the same Michelle that I had a meeting with there, about ten years ago, to do with that I switched current-account from Barclays to RBS).

    And she pretended not to hear what I said.

    So I had to speak very high.

    So this I thought was very strange.

    So this I wanted to complain about.

    Regards,

    Erik Ribsskog

    PS.

    Also, when I tried to pay the rent, with my RBS-card, last week.


    Then that didn’t work.

    (And I had to use my Nordea-card).

    And that was very embarresing, (since it was at the estate agents), I’d say.

    But Michelle said that there were ‘no attemt of payment’, for that day, (Tuesday last week).

    Can this be right, I was wondering.

    This I wanted to complain about.

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-04 9:35 GMT+01:00
    Subject: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

    Hi,

    I just thought, that I’d send, a new update, about the problems with the banks.

    Yesterday I went to RBS in Dale St., (here in Liverpool).

    And that was because, that RBS, had sent me three text-messages.

    In one of the text-messages, they wrote, that they had changed, my ‘home-number’.

    But I had only asked them to change my mobile-number and address.

    I went to the bank.

    And I had to sit there, for about half an hour.

    Because there were no staff, in the information-department there, (or what they call it).

    Even if the bank was still open.

    (This was at around 3.30 PM.

    And RBS close at 4.45 PM, it says, on the RBS website).

    After a while, I went over, to the cashiers.


    And Anette, (who I remember, that used to work, in the information, a few years back, was sitting there, counting some notes).

    So Anettes collegue, (a blond woman I think, in her 40’s), told me that Heather had put my mobile-number where my home-number used to be, (the day before), on their system.

    And that was ‘fine’, the RBS-woman said.

    But I’ve now checked the internet-banking, and it doesn’t even mention ‘home-number’, as far as I can see.

    Anyway I also was, at RBS, on Tuesday, (like mentioned earlier).

    And then Anette, (the now cashier), told me, that RBS don’t excange NOK, (Norwegian Kroner).

    And that I suspect, can have been, something which perhaps, isn’t true.

    Because when I look at the internet, I can see, that RBS publish their echange-rate, for NOK.

    And I’ve also earlier changed NOK, in the UK.

    (At Barclays and the Post Office, at least).

    So this I wanted to complain about.

    Best regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:57 GMT+01:00
    Subject: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

    Hi,

    I just remembered something more.

    When I last year, (I think it must have been), tried to change my RBS-address, (to my Norwegian address).

    Then I went to RBS’s office, in Oslo.

    (Because RBS had a big neon-sign, on a Oslo city center-building.

    So I knew they were around.

    Even if they had moved from the ‘neon sign-building’ to a building where Breivik, (and my half-brother), had worked.

    It later turned out).

    And RBS Oslo couldn’t help me change my address.

    They weren’t a proper branch, it seemed.

    So this I wanted to complain about.

    Also I noticed, in the meetings with Carrie, (at Barclays Lord Street), that she doesn’t use the ‘thouch-method’, when she types.

    So is this the candid camera comedy TV-show, or something, I was wondering.

    I thought all bank-staff had gone to business-school and learned to type using the thouch-method, (that we learn at business/mercantile-school, (‘handel og kontor’), in Norway, at least).

    This I wanted to complain about.

    Best regards,

    Erik Ribsskog

    PS.

    Sorry for all the typos, in the last e-mail.

    But my hotel-room is a bit dark unfortunatly, (for some reason).

    But now there’s more daylight.

    So this e-mail should hopefully be better that way, at least.

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-08-03 7:08 GMT+01:00
    Subject: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: “emb.london” <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

    Hi,

    I’ve now moved back to the UK, and I’ve had a bit problems, with RBS and Barclays.

    I’ve often used hostells as my bank-address, (the Scandinavian Church hostel in Liverpool, and also International Inn, in Liverpool).

    But now RBS and Barclays first didn’t want to accept my hotell-address.

    Jayne at RBS said: ‘Things have changed’, (since 2014, I guess).


    (This was on Tuesday).

    But Anette there wondered if I had gotten my British phone-number.

    But the phone-numbers stops working after six months, if one are abroad, Virgin told me, later on Tuesday.

    So I got a replacement phone-number.

    And I then went back to RBS yesterday.

    And Heather there updated my phone-number and address.

    At Barclays they said I had the wrong ID, (for updating my address).

    Carrie there wouldn’t accept my emergency passport, (I lost my passport, in Liverpool, around 2010, and needed to get a new one, at the airport in Oslo, (with the Police there), on Sunday).

    And Barclays wouldn’t accept my driving licence, (from 2002 (1995)).

    Even if I must have used that exactly same driving licence, when I updated my address there, (in the same Barclays branch, in Church/Lord Street, in Liverpool), three times, (I think it must have been), in 2012.

    So that I wanted to complain about.

    Also I had a meeting with Carrie yesterday.

    And on Tuesday, I had a meeting first with Carries collegue.

    And I remember all the RBS-names.

    But not the name of Carries collegues, (in/around the reception there).

    RBS-staff have name-signs, but do really all Barclay staff have name-signs I’m wondering.

    No, I deer to say that half the Barclays-staff aren’t wearing name-signs, (at least).

    So this I wanted to complain about.

    Also Barclays-staff #1 wanted my to try my pin-code, on Tuesday.

    I hide pin-codes a bit, because I read in a paper, you shouldn’t just write the pin-code in case one are robbed.

    So I didn’t get the pin-code right.

    (Because I have to Barclays-accounts.

    One student-account from Sunderland, in 2004.

    And one current-account from Bootle in 2014).

    And I didn’t want to try more than two pin-codes.

    Because then the card would be blocked.

    But even if I explained this to Carrie yesterday, even so she told my to type a pin-code.


    With the result that my Bootle-Visa-card was blocked.

    So this I wanted to complain about.

    I also complained to Carrie that Barclays don’t have a general enquiery e-mail address, on their website.

    Then I would have contacted them much earlier.

    Because all my stuff was stolen from my, when my bedsit/flat, (in Norway), was robbed, in February 2012.

    There was only a bus-ticket and a razor-blade left.

    All my clothes and my computer etc., was stolen.

    Including a bard reader from Barclays and my Bootle-account cheque-book.


    And I hadn’t gotten to report about this, since Barclays don’t use e-mail.

    I also have an account with RBS.

    (RBS had a promotion, where they gave me £100, in 2007, for switching to them.

    And I had recently been a jobseeker then, I those money came in handy).

    But for some reason, my sister sent me money, to my UK PayPal-account, last year, (I think it was).

    And then I had to use a lot of time, to contact RBS.

    Because those money ended up on my RBS-account.

    And I had to chat with RBS for many hours, on their web-chat.

    (A chat that doesn’t e-mail the custommers a summary of the chat.

    For some reason).

    And I had to use many hundred NOK, to call RBS, (from my Norwegian mobile).

    To change my address.

    So that RBS could send me a Visa-card that worked.

    Since my RBS Visa-card didn’t work, (last year), even if it hadn’t expired.

    So I’ve used a lot of time and money, to contact RBS.

    And hadn’t gotten to Barclays yet.

    Even if I had thought about that why don’t Barclays have a general enquiery e-mail address, on their website.

    Then I would have updated them about the stolen cheque-book etc., much earlier.

    I had my Sunderland-account-Visa card.

    But it had expired in 2016.


    I said to Carrie that they should block the other Sunderland-cards issued after 2014.

    Because I reackoned that those cards must have been sent to my old UK address.

    And I also reackon that someone else lives there now, (on that address, in L4).

    And then Carrie told me that no later cards had been issued/sent in the post, (since 2014).

    Even if my old Sunderland-Visa-card expired in 2016.

    So what has happened here, I was wondering.

    I haven’t gotten to tell Barclays that I’ve moved back to Norway, in 2014.

    And still they stop the new card, in 2016.


    Hm.

    That wasn’t explained to me, what had happened here.

    So that I wanted to complain about.

    I deposited some money, (760 pounds), on my Barclays Bootle-account, on Tuesday.

    But later the same day, I remembered, that the cheeque-book, for that account, was stolen, in 2015.

    And yesterday, I asked Carrie if they could transfer those money to my Barclays Sunderland-account.

    Because I thought those money would be safer on the Sunderland-account, because that acount, didn’t have a stolen cheque-book.

    But Carrie refused to transfer the money, (to my Sunderland-account).

    So that I wanted to complain about.

    (The reason I got a Bootle-account, is really because I was there to discuss a co-owned property, which I owned/own, a part of, in Norway.

    But Barclays didn’t want to sell this property for me, and instead I ended ut, with a new current-account.

    Which I didn’t really need.

    So it’s a bit chaos, with my Barclays-banking.

    That’s why I’ve gone to Barclays twice, about this, this week).

    Also it was chaos at Barclays.

    They’ve closed their branches in Water Street and Whitechappel.

    And the Church Street/Lord Street one, has to many custommers in it.

    Yesterday it was a queue, both for the chairs and for the reception, in the first floor, at Barclays Lord street.

    I ended up, in an embarrasing situation, where I thought that two Chinese women, where queing, for a chair.


    So I waited for them, so to let them have the only free chair, (after that I had been standing there, waiting for meeting with Carrie, for 20-30 minutes, or something like that).

    But it turned out, that the Chinese women, where queing, not for the chair, but for the reception.


    So they were insulted by me standing next to them, while I waited for them to grab the last chair, it seemed.

    Because the waiting-room was to small.

    And if I waited in the stair-case, then people thought I was queing there.

    So this was chaos, and Barcalys/the Chinese women, made me look dum, I think.

    So this I wanted to complain about.

    (It also was a lot of circus/noise there, since a Pakistani family, had a meeting in the waiting room/reception there.

    They were both parents, and at least one noisy child, and possibly also grand-parents.

    So Barcalys Lord Street need more space, and perhaps they need to stop having a combined reception/waiting-room.

    If they split them up, then that would perhaps be a good idea.


    Even if they also have a second waiting-room, further inside, on that floor.

    So it’s a bit ‘Russian’ perhaps.

    Barclays should perhaps then rather open up one or two of their old Liverpool City Centre-branches.

    One could think.

    So that people wouldn’t stand as ‘sild in tønne’, (fish in a barrel), there.

    So that I wanted to complain about).

    Also Carrie still didn’t want to accept my new address yesterday.

    They want me to get a new passport.

    But the Norwegian consulate in Liverpool, have stopped issuing passports, (a few years ago).

    And it’s quite far, to London.

    And one need a special apointment, with the Norwegian embassy, (in London), to get a passport.

    And that apointment, (that one get, if one call), can be, like many weeks/months, into the future.

    So that could take several months for me, to get, a regular passport.

    And I also have lots of other important things to do.

    Like finding a flat, going to the dentist, etc.


    So Barcalys are being a bit difficult and unreasonable, towards me, I think.

    So this I wanted to complain about.

    Carrie also wanted me to throw my expired Sunderand-Visa-card.

    But that’s the only place, where I have my Sunderland-account-number now.

    (Since people don’t get proper statements any longer.

    People get nagged about switching to paperless statements.

    And in the end it then can be difficult to find ones account-numbers etc.

    So this I wanted to complain about.

    Regards,

    Erik Ribsskog

    PS.

    Carrie want’s me to call the Norwegian embassy in London.

    But if I put the telly on, at my hotel-room.

    Then people knock on my door, (due to that they are very sensitive towards sound), it seems.

    So it’s not easy finding a quiet place outdoors, (in Liverpool City Center), from which I can call the embassy, (from my mobile).

    So Barcalys are being difficult, I think.

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: 2017-05-21 6:27 GMT+01:00
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    To: “Reyneke, Andre” <Andre.Reyneke@financial-ombudsman.org.uk>
    Cc: post@finkn.no

    Hi,

    I’ve learned about this, at business-school.

    And it should be necessary, to fill out, a lot of forms, (all the time).

    It should be enough, to just explain about this, in normal writing.

    Erik Ribsskog

    PS.

    You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).

    So this is something you do at your spare-time, I guess?


    Thats why you don’t understand this, about the forms, I reacon.
    I also asked you to escalate, (to a line-manager), in the last e-mail.

    I can’t see that you’ve done that.

    So that I wanted to complain about.

    2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog
    Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.
    I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.
    Kind regards,
    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 20 March 2017 05:41
    To: Reyneke, Andre
    Cc: post@finkn.no; post; Shared_global_External Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Hi,

    it shouldn’t be necessary to explain about this case, in a form, I think.

    It should be enough to just explain about this, in normal writing.

    Please escalate to a line-manager.

    Erik Ribsskog

    2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog
    Thank you for contacting us. Please find attached our complaint form and letter for your convenience.
    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR
    cid:image003.png@01D2A18A.62A2F050


    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
    RE: Regarding your Complaint
    Erik Ribsskog  2. juni 2017 kl. 07:53

    Til: “Wallis, Angela”

    Kopi: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no, “post@sivilombudsmannen.no” , Phso Enquiries

    Hei,

    ja, jeg regner også med, at the Parliamentary og Health Service Ombudsman, vil etterforske, den dårlige styringen, hos dere, (med dobble lønnstimer på søndager osv.).

    Jeg har jobbet i Det Norske Hageselskap, (som også var et ‘kontor-rotte-sted’).


    Og der var det aldri jobbing, på søndager, for å si det sånn.

    Og jeg har også jobba, som butikksjef, (med lønninger).

    Og det er kjent, at for å få folk, til å jobbe, på søndager, så må man gi de overtidsbetalt.

    Og å da la folk jobbe, på ‘overtids-dager’, (som søndager), istedet for vanlige dager, (som mandager).

    (Med arbeid, som det er et fett liksom, om gjøres, på søndag eller mandag).

    Da hadde jeg nok fått sparken.

    Og hvis jeg hadde ringt kundene, klokka 7, på en søndag morgen, så hadde jeg nok fått sparken, da og.

    Det kjøper jeg ikke, at dere har for vane, å ødelegge folks helge-fred, på den måten.

    Da er det vanstyring, hos dere, vil jeg si.

    Så dette må jeg klage på.

    Erik Ribsskog

    PS.

    Og hvis dere har ekstremt mye, å gjøre.

    Da ville vel dette problemet/denne situasjonen, vært kjent, fra pressen, osv.

    Så den kjøper jeg heller ikke, dessverre.




    2017-06-01 16:23 GMT+02:00 Wallis, Angela <Angela.Wallis@financial-ombudsman.org.uk>:

    Kjære hr. Ribsskog


    Takk for e-postene dine

    Jeg vil undersøke og svare på deg med tiden.

    Vennlig hilsen

    Angie Wallis
    Lagleder

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 01 June 2017 13:57
    To: Stephen Armstrong
    Cc: Wallis, Angela; Cox, Rosemary; Reyneke, Andre; post@finkn.no; post@sivilombudsmannen.no; Phso Enquiries
    Subject: Re: Regarding your Complaint to The Parliamentary and Health Service Ombudsman (Our Ref:- C2013179) PHSO:0578000138

    Hei,


    dette er en avsporing, å hive inn, en telefonsamtale, i dette, mener jeg.


    Det blir også som noe klamt.


    Jeg mener at det er mitt privilegium, som borger, å velge, kommunikasjons-form.


    Jeg har også lært, på handel og kontor, at om en borger skriver til staten, så skal staten svare borgeren, på samme vis, (altså om borgeren ringer så skal staten ringe, osv.).


    Så dette blir som noe irriterende avsporing, synes jeg.


    Vennligst eskaler til en linjeleder.


    Erik Ribsskog

    2017-06-01 12:28 GMT+02:00 Stephen Armstrong <Stephen.armstrong@ombudsman.org.uk>:
    Dear Mr Ribsskog

    Your complaint about The Financial Ombudsman

    Thank you for your complaint about Financial Ombudsman

    I would have liked to have been able to discuss this with you. However, we currently have no telephone number for you.

    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?
    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



    Stephen Armstrong
    Customer Service Officer


    ______________________________________________________________________
    This email has been scanned by the Symantec Email Security.cloud service.
    For more information please visit http://www.symanteccloud.com
    ______________________________________________________________________

    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 en e-post til the Financial Ombudsman

    Erik Ribsskog
    Ny oppdatering/Fwd: ur ref: 18610099
    Erik Ribsskog 31. mai 2017 kl. 16:29
    Til: “Wallis, Angela”
    Kopi: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no, “post@sivilombudsmannen.no”
    Hei,

    nå fant jeg mer om ombudsmann:

    ‘Ordet er opprinnelig gammelnordisk umboðsmadr, og betegnet en kongelig embedsmann i vikingtid og middelalder. I sin nåværende betydning er det brukt siden 1809, da den første svenske ombudsmann ble oppnevnt av Riksdagen.[3] Ombudsmann er et av de nordiske ordene som har gått inn i andre språk, som for eksempel engelsk ombudsman.[2]’.

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

    Det var visst sånn, at de brukte ordet ombudsmann, i vikingtida og, (se ovenfor), men i sin nåværende betydning, så har det visst kun blitt brukt, siden 1809, (i Sverige).

    Og jeg husker at min farfar Øivind Olsen, ikke likte, at vi skulle ha, en slags Spesialenhet-forgjenger, i Norge, på 70/80-tallet.

    Og de er vel noe lignende, av en ombudsmann.

    Så det er mulig, at min farfar mente, at det var bedre, å klage, i den linje-organisasjonen, som feilen hadde skjedd i.

    Men nå leste jeg også, at man snakker om offisielle og ikke-offisielle ombudsmenn.

    Og da er kanskje ikke dere, en offisiell ombudsmann?

    Så det var kanskje offisielle/statlige ombudsmenn, som min farfar ikke likte.

    Når ordet ombudsmann ikke brukes, i sin originale betydning, så blir det kanskje, ikke så enkelt, å orientere seg.

    Ombudsmann var en kongelig embedsmann, i vikingtiden.

    Og nå for tiden, så er det noen, som man kan klage til.

    Men det er også mulig, å klage, til en ‘synders’ overordnede.

    Så her er det, litt kaos, vil jeg si.

    Men siden at det finnes mange typer ombudsmenn, så kan man lure på, om dere er bank-industriens egen vaktbikkje, (bukken som passer havresekken), eller om dette er myndighetene sin måte, å prøve, å styre, et fritt bank-marked.

    Det står på nettstedet deres, at dere er etablert, av det britiske parlament.

    Men da kan dere ikke si, (som Rosemary sa, i 2009), at dere ikke er ‘government’, og derfor ikke, behøver å følge, normen om å ikke jobbe, på søndager.

    Da må myndighetene gi dere mer penger, sånn at dere slipper å jobbe, på søndager, vil jeg si.

    Og hvis dere er etablert av myndighetene, med Rosemary sier at dere ikke er ‘government’.

    Da er dere hverken fugl eller fisk, vil jeg si.

    De offisielle ombudsmennene i Norge, (som Sivilombudsmannen og Bankklagenemnda), er ‘government’.

    Så dette blir, som noe juks, at dere både er government og ikke government, vil jeg si.

    Da blir det nesten, som en episode, av the Twilight Zone, (vil jeg si).

    Så dette må jeg klage på.

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog
    Date: 2017-05-31 15:23 GMT+02:00
    Subject: Fwd: ur ref: 18610099
    To: “Wallis, Angela”
    Cc: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no, “post@sivilombudsmannen.no”

    Hei igjen,

    siden at hu Rosemary skrev, at dere hadde, ekstremt mye å gjøre, hos dere, (i 2009).

    Så lurer jeg på, om ‘jødene’ deres, (i bankene), har vært så slemme, i det siste?

    Og at dere skal sende folk e-poster, på en søndag morgen.

    Ringer dere opp folk, klokka 6-7, på en søndag morgen og?

    Nei, det går ikke an, mener jeg.

    Her må dere skjerpe dere.

    Når hu er på jobb, på en søndag morgen, så er det at hu gjør noe galt, mistenker jeg.

    Og en ombudsmann, (for eksempel Sivilombudsmannen i Norge), lønnes av staten.

    Så at dere ikke er del av forvaltningen/staten, høres rart ut, må jeg si.

    Dere har også bilde av en viking, på deres nettsted.

    Og dere vil ha det til, at ‘ombudsman’, er noe, som vikingene hadde.

    Men vikingene hadde sine ting, hvor de tok opp problemene, i samfunnet, (og der kunne en borger/viking, ta opp, en konflikt, med en annen borger/viking).

    Ombudsmann er noe vi i Norge, har fått, fra Sverige, (hvis jeg ikke tar feil).

    (Og hvor de har fått det fra, vet jeg ikke).

    Så ombudsmennene, hører nok hjemme, lenger øst, enn vikingene, mistenker jeg.

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog
    Date: 2017-05-31 11:41 GMT+02:00
    Subject: Re: ur ref: 18610099
    To: “Wallis, Angela”
    Cc: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no

    Hei,

    er det sånn, at dere savner vikingtida, og har begynt å snakke norsk, i England?

    Det var morsomt.

    Da vil jeg gjerne ha litt erstatning, i ‘danegjeld’.

    Det var forøvrig, på en _søndag_, at dere sendte til meg, så tidlig.

    Så det betyr, at dere er, noen amatører, som driver med dette, på ukristelige tider, på fritida, (og da samtidig plager borgerne), må man vel si.

    RBS har ikke sendt meg et skjema, men ‘ørten’ skjema, (om det samme), sendt tett etterhverandre, så de har klikka, og er noen gæerninger, virker det som.

    Erik Ribsskog

    PS.

    Her er mer om dette:

    Erik Ribsskog

    Complaint against RBS/Fwd: Earlier e-mail

    Erik Ribsskog

    Sun, Jun 28, 2009 at 10:43 AM

    To:
    “Cox, Rosemary”  

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what’s going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn’t know from before, then I think this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary wrote:

    Dear Mr
    Ribsskog

    Thank you
    for your e-mail

    I
    must admit to being surprised and confused with the content of the
    e-mail.

    We are an
    extremely busy department and we often work at the weekends, this is obviously
    of help to consumers as we are able to deal with their complaints in a
    more timely manner. I would suggest that
    It is entirely up
    to each individual business to determine which hours their staff will work and I
    do not intend debating this with you.

    By working this
    weekend I have been able to deal with your complaint, which as you can
    appreciate is of a benefit to you.

    Perhaps you can
    clarify the spelling mistakes you are referring
    to?

    Kind
    Regards

    Rose
    Cox

    team manager

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

    Sent: 28 June 2009 10:20

    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi again,

    don’t you think it’s strange for an institutions like yours to send e-mails
    on Sunday mornings then?

    Shouldn’t e-mails be sent within normal business hours then you
    think?

    This is what it says on Wikipedia:

    In the United
    States and United Kingdom, the hours
    between 9 am and 5 pm are typically
    considered to be standard business hours

    http://en.wikipedia.org/wiki/Business_hours

    I think this is rather
    akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik
    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary  
    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

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

    Sent: 28 June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint
    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that’s very fine, I’m just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway,
    work on Sundays.

    Sorry about this, I forget sometimes that I’m not in Norway any
    longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary  
    wrote:

    Dear Mr
    Ribsskog

    Thank
    you for your e-mail

    I can assure you this is not a joke, I am currently
    in the office working today.

    I presume that you would like us to deal
    with your complaint, so am responding to your e-mails
    today

    Kind
    Regards

    Rose
    Cox

    team
    manager

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 28 June 2009
    07:36
    To: Cox, Rosemary
    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary  
    wrote:

    Dear
    Mr Ribsskog

    Thank
    you for your e-mails

    I will contact you again once I have
    considered the information.

    Kind
    Regards

    Rose
    Cox

    team
    manager

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

    Sent: 27 June 2009 14:59
    To: Cox,
    Rosemary
    Subject: Complaint against RBS/Fwd: Earlier
    e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I’ll contact your collegue back, regarding the
    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but
    she

    also harassed me, like this, she writes ‘Dear Ms Ribsskog’, even if
    my name

    is Erik, and in Britain, you have a movie called ‘Erik the Viking’,
    and Eric is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also
    bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way that
    RBS,

    gave me the bonus of £100, for moving my account to them, from
    Barclays,

    (who I also had problems with, that I’ll exlain about to your
    collegue, like I

    mentioned earlier).

    I’ll also find the actual complaint against RBS Dale St. now, and
    forward it

    to you.

    What I meant with the complaint-form, was that it didn’t look
    anything at all

    like the ones you’ve sent me now.

    Maybe the complaint-form I was sent, was to do with other
    financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks, perhaps
    someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I’ll also
    find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Williams, Yvonne (CRU)

    Date: Tue, Jun
    26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik Ribsskog

    Dear
    Ms Ribsskog

    Could
    you please arrange another copy of your email to be sent to me for my
    investigation

    Regards

    Yvonne
    Williams

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

    Sent: 19 June 2007 14:04
    To: Williams, Yvonne
    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message originates from
    the Internet ***

    Hi,

    I’m refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail, because I
    cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail
    again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of
    Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St
    Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the
    Financial Services Authority.

    This e-mail message is confidential
    and for use by the addressee only. If the message is received by anyone
    other than the addressee, please return the message to the sender by
    replying to it and then delete the message from your computer. Internet
    e-mails are not necessarily secure. The Royal Bank of Scotland plc does
    not accept responsibility for changes made to this message after it was
    sent.

    Whilst all reasonable care has been taken to avoid the
    transmission of viruses, it is the responsibility of the recipient to
    ensure that the onward transmission, opening or use of this message and
    any attachments will not adversely affect its systems or data. No
    responsibility is accepted by The Royal Bank of Scotland plc in this
    regard and the recipient should carry out such virus and other checks as
    it considers
    appropriate.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been
    checked by virus detection software before transmission. You should carry
    out your own virus checks on the contents of this communication. We accept
    no liability for any loss or damage which may be caused by software
    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in
    it. The statements and opinions expressed in this e-mail are those of the
    author and do not necessarily reflect those of the Financial Ombudsman
    Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your
    own virus checks on the contents of this communication. We accept no
    liability for any loss or damage which may be caused by software viruses or
    by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception
    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are confidential
    and may be subject to legal privilege. If you are not the intended recipient,
    please notify the sender immediately and delete this e-mail and any attachment
    from your system. If you are not the intended recipient you must not copy,
    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by
    virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception or
    interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it. The
    statements and opinions expressed in this e-mail are those of the author and do
    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United
    Kingdom. Registered as a limited company in England and Wales No. 3725015.
    Registered office as above.

    31. mai 2017 kl. 10:10 skrev Wallis, Angela :
    Kjære Ribsskog.

    Takk for din e-post fra den 21. mai 2017 som ble videresendt til meg fra min kollega Andre Reyneke. Jeg er teamleder på kundekontaktavdelingen, og det er jeg som har ansvaret for å undersøke når det oppstår problemer.

    Jeg er svært lei meg over å høre at du er utilfreds med måten vi har behandlet saken din så langt.

    Slik forstår jeg klagen din:

    Du er ikke fornøyd med at du har blitt bedt om å fylle ut et klageskjema.

    Du ba om at saken ble overført til en linjeleder den 20. mars, men dette ble ikke gjort.

    For noen år siden mottok du e-poster fra oss kl. 7.30 om morgenen.

    Jeg har sett på sakshistorikken og jeg kan se at du kontaktet oss første gang den 17. oktober 2016. Mine kollegaer på kundeserviceavdelingen kommuniserte med deg frem til de overførte klagen til denne avdelingen i februar.

    Andre Reyneke svarte på dine e-poster den 20. februar og ba deg om å fylle ut et av våre klageskjemaer. Andre fulgte vår vanlige prosedyre når han ba deg om å lese og signere erklæringen på side 3 i skjemaet. Ved signering gir du oss autorisasjon til å utveksle informasjon med virksomheten klagen gjelder, og dette gir oss muligheten til å undersøke klagen din. “Financial Services and Markets Act” (Lov om finansielle tjenester og markeder (FSMA)) gir oss retten til å etablere regler som styrer våre prosedyrer for klagebehandling. Kravet om signaturer på klageskjemaer for godkjenning av erklæringen er én av disse. Vi godtar nå også verbal godkjenning av erklæringen slik at skjemaet kan unngås.

    Du svarte på Andres e-post den 20. mars hvor du uttrykte misnøye med å bli bedt om å fylle ut et skjema. Her burde Andre ha svart deg med tilbud om å godkjenne erklæringen per telefon ettersom det da ikke ville vært nødvendig med et skjema og kunne ha spart deg for tid. I den samme e-posten ba du om at situasjonen ble overført til en linjeleder, men dette ble ikke gjort. Det er svært beklagelig at dette ble oversett, vennligst aksepter min oppriktige unnskyldning for disse feilene.

    Jeg har gått gjennom informasjonen vi har registrert og jeg kan ikke finne bevis på at vi har sendt deg e-poster kl. 7.30 på morgenen. Jeg vil være takknemlig hvis du kan videresende dem til meg slik at jeg kan se nærmere på dette. Men jeg ønsker å si at jeg ikke har noen forbehold med at mine kollegaer sender e-poster tidlig på morgenen. Jo raskere vi svarer kundene, jo raskere kan vi forsøke å hjelpe.

    Jeg er virkelig lei mer for eventuelle ulemper denne situasjonen kan ha medført.  Og jeg har i denne sammenhengen om at en etterforsker, Brian Smith, håndterer klagen din rettet mot Royal Bank of Scotland. Men for at han kan se på saken, krever vi at du godkjenner erklæringen. Ingen ytterligere tiltak kan iverksettes i forhold til klagen din før vi har mottatt enten det signerte klageskjemaet eller du har godkjent erklæringen muntlig. Hvis du kan godkjenne erklæringen per telefon, vennligst kontakt Brian. Brians e-postadresse er brian.smith@financial-ombudsman.org.uk

    Jeg forstår hvor viktig klagen din er for deg, og jeg takker deg for at du har gjort meg oppmerksom på dette. Jeg håper forklaringen min kan bidra til å forsikre deg om at vi tar klager på vår service svært seriøst, og at vi ønsker å løse dem raskt.

    Vennligst ta kontakt med meg hvis du ikke er fornøyd med svaret mitt.

    Med vennlig hilsen

    Ange Wallis I Teamleder

    Financial Ombudsman Service | PO Box 62467 | Exchange Tower | London |

    E14 9SR

    Telefon: 02079640422 I Faks: 02079640423

    E-post: angela.wallis@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.

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

    Erik Ribsskog
    ur ref: 18610099
    Erik Ribsskog 31. mai 2017 kl. 15:23
    Til: “Wallis, Angela”
    Kopi: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no, “post@sivilombudsmannen.no”
    Hei igjen,

    siden at hu Rosemary skrev, at dere hadde, ekstremt mye å gjøre, hos dere, (i 2009).

    Så lurer jeg på, om ‘jødene’ deres, (i bankene), har vært så slemme, i det siste?

    Og at dere skal sende folk e-poster, på en søndag morgen.

    Ringer dere opp folk, klokka 6-7, på en søndag morgen og?

    Nei, det går ikke an, mener jeg.

    Her må dere skjerpe dere.

    Når hu er på jobb, på en søndag morgen, så er det at hu gjør noe galt, mistenker jeg.

    Og en ombudsmann, (for eksempel Sivilombudsmannen i Norge), lønnes av staten.

    Så at dere ikke er del av forvaltningen/staten, høres rart ut, må jeg si.

    Dere har også bilde av en viking, på deres nettsted.

    Og dere vil ha det til, at ‘ombudsman’, er noe, som vikingene hadde.

    Men vikingene hadde sine ting, hvor de tok opp problemene, i samfunnet, (og der kunne en borger/viking, ta opp, en konflikt, med en annen borger/viking).

    Ombudsmann er noe vi i Norge, har fått, fra Sverige, (hvis jeg ikke tar feil).

    (Og hvor de har fått det fra, vet jeg ikke).

    Så ombudsmennene, hører nok hjemme, lenger øst, enn vikingene, mistenker jeg.

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog
    Date: 2017-05-31 11:41 GMT+02:00
    Subject: Re: ur ref: 18610099
    To: “Wallis, Angela”
    Cc: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no

    Hei,

    er det sånn, at dere savner vikingtida, og har begynt å snakke norsk, i England?

    Det var morsomt.

    Da vil jeg gjerne ha litt erstatning, i ‘danegjeld’.

    Det var forøvrig, på en _søndag_, at dere sendte til meg, så tidlig.

    Så det betyr, at dere er, noen amatører, som driver med dette, på ukristelige tider, på fritida, (og da samtidig plager borgerne), må man vel si.

    RBS har ikke sendt meg et skjema, men ‘ørten’ skjema, (om det samme), sendt tett etterhverandre, så de har klikka, og er noen gæerninger, virker det som.

    Erik Ribsskog

    PS.

    Her er mer om dette:

    Erik Ribsskog

    Complaint against RBS/Fwd: Earlier e-mail

    Erik Ribsskog

    Sun, Jun 28, 2009 at 10:43 AM

    To:
    “Cox, Rosemary”  

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what’s going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn’t know from before, then I think this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary wrote:

    Dear Mr
    Ribsskog

    Thank you
    for your e-mail

    I
    must admit to being surprised and confused with the content of the
    e-mail.

    We are an
    extremely busy department and we often work at the weekends, this is obviously
    of help to consumers as we are able to deal with their complaints in a
    more timely manner. I would suggest that
    It is entirely up
    to each individual business to determine which hours their staff will work and I
    do not intend debating this with you.

    By working this
    weekend I have been able to deal with your complaint, which as you can
    appreciate is of a benefit to you.

    Perhaps you can
    clarify the spelling mistakes you are referring
    to?

    Kind
    Regards

    Rose
    Cox

    team manager

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

    Sent: 28 June 2009 10:20

    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi again,

    don’t you think it’s strange for an institutions like yours to send e-mails
    on Sunday mornings then?

    Shouldn’t e-mails be sent within normal business hours then you
    think?

    This is what it says on Wikipedia:

    In the United
    States and United Kingdom, the hours
    between 9 am and 5 pm are typically
    considered to be standard business hours

    http://en.wikipedia.org/wiki/Business_hours

    I think this is rather
    akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik
    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary  
    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

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

    Sent: 28 June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint
    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that’s very fine, I’m just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway,
    work on Sundays.

    Sorry about this, I forget sometimes that I’m not in Norway any
    longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary  
    wrote:

    Dear Mr
    Ribsskog

    Thank
    you for your e-mail

    I can assure you this is not a joke, I am currently
    in the office working today.

    I presume that you would like us to deal
    with your complaint, so am responding to your e-mails
    today

    Kind
    Regards

    Rose
    Cox

    team
    manager

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 28 June 2009
    07:36
    To: Cox, Rosemary
    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary  
    wrote:

    Dear
    Mr Ribsskog

    Thank
    you for your e-mails

    I will contact you again once I have
    considered the information.

    Kind
    Regards

    Rose
    Cox

    team
    manager

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

    Sent: 27 June 2009 14:59
    To: Cox,
    Rosemary
    Subject: Complaint against RBS/Fwd: Earlier
    e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I’ll contact your collegue back, regarding the
    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but
    she

    also harassed me, like this, she writes ‘Dear Ms Ribsskog’, even if
    my name

    is Erik, and in Britain, you have a movie called ‘Erik the Viking’,
    and Eric is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also
    bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way that
    RBS,

    gave me the bonus of £100, for moving my account to them, from
    Barclays,

    (who I also had problems with, that I’ll exlain about to your
    collegue, like I

    mentioned earlier).

    I’ll also find the actual complaint against RBS Dale St. now, and
    forward it

    to you.

    What I meant with the complaint-form, was that it didn’t look
    anything at all

    like the ones you’ve sent me now.

    Maybe the complaint-form I was sent, was to do with other
    financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks, perhaps
    someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I’ll also
    find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Williams, Yvonne (CRU)

    Date: Tue, Jun
    26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik Ribsskog

    Dear
    Ms Ribsskog

    Could
    you please arrange another copy of your email to be sent to me for my
    investigation

    Regards

    Yvonne
    Williams

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

    Sent: 19 June 2007 14:04
    To: Williams, Yvonne
    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message originates from
    the Internet ***

    Hi,

    I’m refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail, because I
    cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail
    again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of
    Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St
    Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the
    Financial Services Authority.

    This e-mail message is confidential
    and for use by the addressee only. If the message is received by anyone
    other than the addressee, please return the message to the sender by
    replying to it and then delete the message from your computer. Internet
    e-mails are not necessarily secure. The Royal Bank of Scotland plc does
    not accept responsibility for changes made to this message after it was
    sent.

    Whilst all reasonable care has been taken to avoid the
    transmission of viruses, it is the responsibility of the recipient to
    ensure that the onward transmission, opening or use of this message and
    any attachments will not adversely affect its systems or data. No
    responsibility is accepted by The Royal Bank of Scotland plc in this
    regard and the recipient should carry out such virus and other checks as
    it considers
    appropriate.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been
    checked by virus detection software before transmission. You should carry
    out your own virus checks on the contents of this communication. We accept
    no liability for any loss or damage which may be caused by software
    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in
    it. The statements and opinions expressed in this e-mail are those of the
    author and do not necessarily reflect those of the Financial Ombudsman
    Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your
    own virus checks on the contents of this communication. We accept no
    liability for any loss or damage which may be caused by software viruses or
    by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception
    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are confidential
    and may be subject to legal privilege. If you are not the intended recipient,
    please notify the sender immediately and delete this e-mail and any attachment
    from your system. If you are not the intended recipient you must not copy,
    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by
    virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception or
    interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it. The
    statements and opinions expressed in this e-mail are those of the author and do
    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United
    Kingdom. Registered as a limited company in England and Wales No. 3725015.
    Registered office as above.

    31. mai 2017 kl. 10:10 skrev Wallis, Angela :
    Kjære Ribsskog.

    Takk for din e-post fra den 21. mai 2017 som ble videresendt til meg fra min kollega Andre Reyneke. Jeg er teamleder på kundekontaktavdelingen, og det er jeg som har ansvaret for å undersøke når det oppstår problemer.

    Jeg er svært lei meg over å høre at du er utilfreds med måten vi har behandlet saken din så langt.

    Slik forstår jeg klagen din:

    Du er ikke fornøyd med at du har blitt bedt om å fylle ut et klageskjema.

    Du ba om at saken ble overført til en linjeleder den 20. mars, men dette ble ikke gjort.

    For noen år siden mottok du e-poster fra oss kl. 7.30 om morgenen.

    Jeg har sett på sakshistorikken og jeg kan se at du kontaktet oss første gang den 17. oktober 2016. Mine kollegaer på kundeserviceavdelingen kommuniserte med deg frem til de overførte klagen til denne avdelingen i februar.

    Andre Reyneke svarte på dine e-poster den 20. februar og ba deg om å fylle ut et av våre klageskjemaer. Andre fulgte vår vanlige prosedyre når han ba deg om å lese og signere erklæringen på side 3 i skjemaet. Ved signering gir du oss autorisasjon til å utveksle informasjon med virksomheten klagen gjelder, og dette gir oss muligheten til å undersøke klagen din. “Financial Services and Markets Act” (Lov om finansielle tjenester og markeder (FSMA)) gir oss retten til å etablere regler som styrer våre prosedyrer for klagebehandling. Kravet om signaturer på klageskjemaer for godkjenning av erklæringen er én av disse. Vi godtar nå også verbal godkjenning av erklæringen slik at skjemaet kan unngås.

    Du svarte på Andres e-post den 20. mars hvor du uttrykte misnøye med å bli bedt om å fylle ut et skjema. Her burde Andre ha svart deg med tilbud om å godkjenne erklæringen per telefon ettersom det da ikke ville vært nødvendig med et skjema og kunne ha spart deg for tid. I den samme e-posten ba du om at situasjonen ble overført til en linjeleder, men dette ble ikke gjort. Det er svært beklagelig at dette ble oversett, vennligst aksepter min oppriktige unnskyldning for disse feilene.

    Jeg har gått gjennom informasjonen vi har registrert og jeg kan ikke finne bevis på at vi har sendt deg e-poster kl. 7.30 på morgenen. Jeg vil være takknemlig hvis du kan videresende dem til meg slik at jeg kan se nærmere på dette. Men jeg ønsker å si at jeg ikke har noen forbehold med at mine kollegaer sender e-poster tidlig på morgenen. Jo raskere vi svarer kundene, jo raskere kan vi forsøke å hjelpe.

    Jeg er virkelig lei mer for eventuelle ulemper denne situasjonen kan ha medført.  Og jeg har i denne sammenhengen om at en etterforsker, Brian Smith, håndterer klagen din rettet mot Royal Bank of Scotland. Men for at han kan se på saken, krever vi at du godkjenner erklæringen. Ingen ytterligere tiltak kan iverksettes i forhold til klagen din før vi har mottatt enten det signerte klageskjemaet eller du har godkjent erklæringen muntlig. Hvis du kan godkjenne erklæringen per telefon, vennligst kontakt Brian. Brians e-postadresse er brian.smith@financial-ombudsman.org.uk

    Jeg forstår hvor viktig klagen din er for deg, og jeg takker deg for at du har gjort meg oppmerksom på dette. Jeg håper forklaringen min kan bidra til å forsikre deg om at vi tar klager på vår service svært seriøst, og at vi ønsker å løse dem raskt.

    Vennligst ta kontakt med meg hvis du ikke er fornøyd med svaret mitt.

    Med vennlig hilsen

    Ange Wallis I Teamleder

    Financial Ombudsman Service | PO Box 62467 | Exchange Tower | London |

    E14 9SR

    Telefon: 02079640422 I Faks: 02079640423

    E-post: angela.wallis@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.

  • Jeg sendte en e-post til the Financial Ombudsman

    Erik Ribsskog
    ur ref: 18610099
    Erik Ribsskog 31. mai 2017 kl. 11:41
    Til: “Wallis, Angela”
    Kopi: “Cox, Rosemary” , “Reyneke, Andre” , post@finkn.no
    Hei,

    er det sånn, at dere savner vikingtida, og har begynt å snakke norsk, i England?

    Det var morsomt.

    Da vil jeg gjerne ha litt erstatning, i ‘danegjeld’.

    Det var forøvrig, på en _søndag_, at dere sendte til meg, så tidlig.

    Så det betyr, at dere er, noen amatører, som driver med dette, på ukristelige tider, på fritida, (og da samtidig plager borgerne), må man vel si.

    RBS har ikke sendt meg et skjema, men ‘ørten’ skjema, (om det samme), sendt tett etterhverandre, så de har klikka, og er noen gæerninger, virker det som.

    Erik Ribsskog

    PS.

    Her er mer om dette:

    Erik Ribsskog

    Complaint against RBS/Fwd: Earlier e-mail

    Erik Ribsskog

    Sun, Jun 28, 2009 at 10:43 AM

    To:
    “Cox, Rosemary”  

    Hi,

    of course you can work on Sundays if you want.

    But business e-mails should just be sent within the business-hours.

    Or else, what’s going to happen, is obvious.

    Someone are going to come drunk home from town, and answer the business-e-mails when they are drunk, which is what has happened today, with our correspondence.

    If this is something, you didn’t know from before, then I think this Financial Ombudsman-stuff is just a load of crap really.

    Try to use the head that God gave you when you were born!

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary wrote:

    Dear Mr
    Ribsskog

    Thank you
    for your e-mail

    I
    must admit to being surprised and confused with the content of the
    e-mail.

    We are an
    extremely busy department and we often work at the weekends, this is obviously
    of help to consumers as we are able to deal with their complaints in a
    more timely manner. I would suggest that
    It is entirely up
    to each individual business to determine which hours their staff will work and I
    do not intend debating this with you.

    By working this
    weekend I have been able to deal with your complaint, which as you can
    appreciate is of a benefit to you.

    Perhaps you can
    clarify the spelling mistakes you are referring
    to?

    Kind
    Regards

    Rose
    Cox

    team manager

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

    Sent: 28 June 2009 10:20

    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi again,

    don’t you think it’s strange for an institutions like yours to send e-mails
    on Sunday mornings then?

    Shouldn’t e-mails be sent within normal business hours then you
    think?

    This is what it says on Wikipedia:

    In the United
    States and United Kingdom, the hours
    between 9 am and 5 pm are typically
    considered to be standard business hours

    http://en.wikipedia.org/wiki/Business_hours

    I think this is rather
    akward, as I also think your spelling-mistakes are.

    Sincerely,

    Erik
    Ribsskog

    On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary  
    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

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

    Sent: 28 June 2009 08:02

    To: Cox, Rosemary
    Subject: Re: Complaint
    against RBS/Fwd: Earlier e-mail

    Hi,

    ok that’s very fine, I’m just home from town you see.

    I thought it was a bit strange, since noone in Government in Norway,
    work on Sundays.

    Sorry about this, I forget sometimes that I’m not in Norway any
    longer.

    Sorry about this!

    Yours sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary  
    wrote:

    Dear Mr
    Ribsskog

    Thank
    you for your e-mail

    I can assure you this is not a joke, I am currently
    in the office working today.

    I presume that you would like us to deal
    with your complaint, so am responding to your e-mails
    today

    Kind
    Regards

    Rose
    Cox

    team
    manager

    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 28 June 2009
    07:36
    To: Cox, Rosemary
    Subject: Re: Complaint against
    RBS/Fwd: Earlier e-mail

    Hi,

    why do send the e-mails early on a Sunday morning, by the way.

    Is this some kind of joke?

    Sincerely,

    Erik Ribsskog

    On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary  
    wrote:

    Dear
    Mr Ribsskog

    Thank
    you for your e-mails

    I will contact you again once I have
    considered the information.

    Kind
    Regards

    Rose
    Cox

    team
    manager

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

    Sent: 27 June 2009 14:59
    To: Cox,
    Rosemary
    Subject: Complaint against RBS/Fwd: Earlier
    e-mail

    Hi,

    thank you for you e-mail, that I recieved today.

    I’ll contact your collegue back, regarding the
    Barclays-complaint.

    I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but
    she

    also harassed me, like this, she writes ‘Dear Ms Ribsskog’, even if
    my name

    is Erik, and in Britain, you have a movie called ‘Erik the Viking’,
    and Eric is

    also a quite usual name, in English-speaking countries.

    So I think Yvonne Williams, the complaint-investigator, also
    bullied me.

    I think this must have been a deliberate mistake.

    This ended with the complaint being partly resolved, in the way that
    RBS,

    gave me the bonus of £100, for moving my account to them, from
    Barclays,

    (who I also had problems with, that I’ll exlain about to your
    collegue, like I

    mentioned earlier).

    I’ll also find the actual complaint against RBS Dale St. now, and
    forward it

    to you.

    What I meant with the complaint-form, was that it didn’t look
    anything at all

    like the ones you’ve sent me now.

    Maybe the complaint-form I was sent, was to do with other
    financial institutions,

    than banks?

    Like share-fonds etc?

    Have you also got other complaint-forms, other than to banks, perhaps
    someone

    sent me the wrong form intentionally?

    Just a thought I had.

    But anyway, thank you very much for your e-mail, and I’ll also
    find the actual

    RBS Dale St. complaint, and e-mail it to you now.

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Williams, Yvonne (CRU)

    Date: Tue, Jun
    26, 2007 at 4:30 PM
    Subject: RE: Earlier e-mail
    To: Erik Ribsskog

    Dear
    Ms Ribsskog

    Could
    you please arrange another copy of your email to be sent to me for my
    investigation

    Regards

    Yvonne
    Williams

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

    Sent: 19 June 2007 14:04
    To: Williams, Yvonne
    (CRU)
    Subject: Earlier e-mail

    *** WARNING : This message originates from
    the Internet ***

    Hi,

    I’m refering to the e-mail I sent you on 5/6.

    I was just wondering if you have recieved this e-mail, because I
    cant see

    that I have recieved any answer to it yet.

    Please just contact me if you want me to send you the e-mail
    again.

    Yours sincerely,

    Erik Ribsskog

    The Royal Bank of
    Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St
    Andrew Square, Edinburgh EH2 2YB

    Authorised and regulated by the
    Financial Services Authority.

    This e-mail message is confidential
    and for use by the addressee only. If the message is received by anyone
    other than the addressee, please return the message to the sender by
    replying to it and then delete the message from your computer. Internet
    e-mails are not necessarily secure. The Royal Bank of Scotland plc does
    not accept responsibility for changes made to this message after it was
    sent.

    Whilst all reasonable care has been taken to avoid the
    transmission of viruses, it is the responsibility of the recipient to
    ensure that the onward transmission, opening or use of this message and
    any attachments will not adversely affect its systems or data. No
    responsibility is accepted by The Royal Bank of Scotland plc in this
    regard and the recipient should carry out such virus and other checks as
    it considers
    appropriate.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been
    checked by virus detection software before transmission. You should carry
    out your own virus checks on the contents of this communication. We accept
    no liability for any loss or damage which may be caused by software
    viruses or by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in
    it. The statements and opinions expressed in this e-mail are those of the
    author and do not necessarily reflect those of the Financial Ombudsman
    Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your
    own virus checks on the contents of this communication. We accept no
    liability for any loss or damage which may be caused by software viruses or
    by interception or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are
    confidential and may be subject to legal privilege. If you are not the
    intended recipient, please notify the sender immediately and delete this
    e-mail and any attachment from your system. If you are not the intended
    recipient you must not copy, disclose or take any action in reliance to
    it.

    This e-mail and any attachments have been checked
    by virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception
    or interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it.
    The statements and opinions expressed in this e-mail are those of the author
    and do not necessarily reflect those of the Financial Ombudsman Service
    Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR,
    United Kingdom. Registered as a limited company in England and Wales No.
    3725015. Registered office as above.

    This e-mail and any attachments are confidential
    and may be subject to legal privilege. If you are not the intended recipient,
    please notify the sender immediately and delete this e-mail and any attachment
    from your system. If you are not the intended recipient you must not copy,
    disclose or take any action in reliance to it.

    This e-mail and any attachments have been checked by
    virus detection software before transmission. You should carry out your own
    virus checks on the contents of this communication. We accept no liability for
    any loss or damage which may be caused by software viruses or by interception or
    interruption of this mail.

    Unless otherwise indicated, this e-mail has no
    contractual effect and may only be used for the purpose(s) indicated in it. The
    statements and opinions expressed in this e-mail are those of the author and do
    not necessarily reflect those of the Financial Ombudsman Service Ltd.

    This email has originated from the Financial
    Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United
    Kingdom. Registered as a limited company in England and Wales No. 3725015.
    Registered office as above.

    31. mai 2017 kl. 10:10 skrev Wallis, Angela :
    Kjære Ribsskog.

    Takk for din e-post fra den 21. mai 2017 som ble videresendt til meg fra min kollega Andre Reyneke. Jeg er teamleder på kundekontaktavdelingen, og det er jeg som har ansvaret for å undersøke når det oppstår problemer.

    Jeg er svært lei meg over å høre at du er utilfreds med måten vi har behandlet saken din så langt.

    Slik forstår jeg klagen din:

    Du er ikke fornøyd med at du har blitt bedt om å fylle ut et klageskjema.

    Du ba om at saken ble overført til en linjeleder den 20. mars, men dette ble ikke gjort.

    For noen år siden mottok du e-poster fra oss kl. 7.30 om morgenen.

    Jeg har sett på sakshistorikken og jeg kan se at du kontaktet oss første gang den 17. oktober 2016. Mine kollegaer på kundeserviceavdelingen kommuniserte med deg frem til de overførte klagen til denne avdelingen i februar.

    Andre Reyneke svarte på dine e-poster den 20. februar og ba deg om å fylle ut et av våre klageskjemaer. Andre fulgte vår vanlige prosedyre når han ba deg om å lese og signere erklæringen på side 3 i skjemaet. Ved signering gir du oss autorisasjon til å utveksle informasjon med virksomheten klagen gjelder, og dette gir oss muligheten til å undersøke klagen din. “Financial Services and Markets Act” (Lov om finansielle tjenester og markeder (FSMA)) gir oss retten til å etablere regler som styrer våre prosedyrer for klagebehandling. Kravet om signaturer på klageskjemaer for godkjenning av erklæringen er én av disse. Vi godtar nå også verbal godkjenning av erklæringen slik at skjemaet kan unngås.

    Du svarte på Andres e-post den 20. mars hvor du uttrykte misnøye med å bli bedt om å fylle ut et skjema. Her burde Andre ha svart deg med tilbud om å godkjenne erklæringen per telefon ettersom det da ikke ville vært nødvendig med et skjema og kunne ha spart deg for tid. I den samme e-posten ba du om at situasjonen ble overført til en linjeleder, men dette ble ikke gjort. Det er svært beklagelig at dette ble oversett, vennligst aksepter min oppriktige unnskyldning for disse feilene.

    Jeg har gått gjennom informasjonen vi har registrert og jeg kan ikke finne bevis på at vi har sendt deg e-poster kl. 7.30 på morgenen. Jeg vil være takknemlig hvis du kan videresende dem til meg slik at jeg kan se nærmere på dette. Men jeg ønsker å si at jeg ikke har noen forbehold med at mine kollegaer sender e-poster tidlig på morgenen. Jo raskere vi svarer kundene, jo raskere kan vi forsøke å hjelpe.

    Jeg er virkelig lei mer for eventuelle ulemper denne situasjonen kan ha medført.  Og jeg har i denne sammenhengen om at en etterforsker, Brian Smith, håndterer klagen din rettet mot Royal Bank of Scotland. Men for at han kan se på saken, krever vi at du godkjenner erklæringen. Ingen ytterligere tiltak kan iverksettes i forhold til klagen din før vi har mottatt enten det signerte klageskjemaet eller du har godkjent erklæringen muntlig. Hvis du kan godkjenne erklæringen per telefon, vennligst kontakt Brian. Brians e-postadresse er brian.smith@financial-ombudsman.org.uk

    Jeg forstår hvor viktig klagen din er for deg, og jeg takker deg for at du har gjort meg oppmerksom på dette. Jeg håper forklaringen min kan bidra til å forsikre deg om at vi tar klager på vår service svært seriøst, og at vi ønsker å løse dem raskt.

    Vennligst ta kontakt med meg hvis du ikke er fornøyd med svaret mitt.

    Med vennlig hilsen

    Ange Wallis I Teamleder

    Financial Ombudsman Service | PO Box 62467 | Exchange Tower | London |

    E14 9SR

    Telefon: 02079640422 I Faks: 02079640423

    E-post: angela.wallis@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.

  • Jeg sendte en e-post til the Financial Ombudsman

    Erik Ribsskog
    Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
    Erik Ribsskog  21. mai 2017 kl. 07:27

    Til: “Reyneke, Andre”

    Kopi: post@finkn.no

    Hi,

    I’ve learned about this, at business-school.

    And it should be necessary, to fill out, a lot of forms, (all the time).

    It should be enough, to just explain about this, in normal writing.

    Erik Ribsskog

    PS.

    You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).

    So this is something you do at your spare-time, I guess?


    Thats why you don’t understand this, about the forms, I reacon.
    I also asked you to escalate, (to a line-manager), in the last e-mail.

    I can’t see that you’ve done that.

    So that I wanted to complain about.

    2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog

    Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.

    I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.

    Kind regards,


    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR










    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 20 March 2017 05:41
    To: Reyneke, Andre
    Cc: post@finkn.no; post; Shared_global_External Enquiries
    Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

    Hi,


    it shouldn’t be necessary to explain about this case, in a form, I think.


    It should be enough to just explain about this, in normal writing.


    Please escalate to a line-manager.


    Erik Ribsskog


    2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
    Dear Mr Ribsskog


    Thank you for contacting us. Please find attached our complaint form and letter for your convenience.



    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR


    cid:image003.png@01D2A18A.62A2F050





    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.

  • The Financial Ombudsman Service har visst en viking, som logo. Hm

    viking som logo

    https://plus.google.com/+financialombudsman

    PS.

    Det er visst egentlig, en slags ‘f’:

    det er visst egentlig en slags f

    http://www.financial-ombudsman.org.uk

    PS 2.

    Britene mener, (på dårlig/gebrokkent engelsk, må man vel si), at ombudsman, er noe de har fått, fra vikingene, (men jeg lurer på, om det egentlig er, fra russerne):

    PS 3.

    Vikingene hadde vel sine ting, hvor de tok opp saker.

    Så når det gjelder ombudsman, så er det nok sånn, at ordet, er norrønt.

    Men selve ombudsman-systemet.

    Det er vel noe, som vi i Norge, har fått østfra, (hvis jeg skulle tippe).

    Og Sivilombudsmannen, han aper bare meg, (mistenker jeg), og skriver bare noe tull.

    (Se for eksempel denne bloggposten:

    http://johncons-mirror.blogspot.no/2017/03/jeg-sendte-en-e-post-til_25.html).

    Så disse ombudsmennene, lurer jeg litt på, hva egentlig driver med, (for å si det sånn).

    Så sånn er det.

    Bare noe jeg tenkte på.

    Med hilsen

    Erik Ribsskog

  • 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  20. mars 2017 kl. 06:40

    Til: “Reyneke, Andre”

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

    Hi,

    it shouldn’t be necessary to explain about this case, in a form, I think.

    It should be enough to just explain about this, in normal writing.

    Please escalate to a line-manager.

    Erik Ribsskog


    2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:

    Dear Mr Ribsskog
    Thank you for contacting us. Please find attached our complaint form and letter for your convenience.
    Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | 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.

  • Jeg sendte en e-post til the High Court

    Erik Ribsskog

    Update/Fwd:
    Complaint/Fwd: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with
    the reference number: 0023045014/Fwd: Complaint
    Erik Ribsskog Mon, Sep 8, 2014 at 12:46 AM

    To: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Hi,

    I send you a letter I’ve gotten, from Barclays, as an update, to my
    complaint against them and the Financial Ombudsman.

    (I’ve sent you several e-mails about these cases earlier).

    Best regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Fri, Aug 22, 2014 at 11:54 PM
    Subject: Complaint/Fwd: Update/Fwd: Complaint/Fwd: FW: Your letter of
    29/7 with the reference number: 0023045014/Fwd: Complaint
    To: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Cc: post <post@mfa.no>, Legal LSC <legal.lsc@legalservices.gov.uk>,
    she <she@topdanmark.dk>, Politikk Høyre <politikk@hoyre.no>,
    Akademikerforbundet <post@akademikerforbundet.no>, LHT Customer
    Service <csc@lht.co.uk>, Runcorn Office <runcornoffice@taroe.org>,
    Info <info@tpas.org.uk>, Bjørn Ribsskog <bribsskog@gmail.com>, admin
    <admin@lpl-norwegian-consulate.org.uk>, ITCGM- Norwegian Consulate
    <norconsulate@itcgm.co.uk>, “hv-02.kontakt” <hv-02.kontakt@mil.no>,
    “anne-kathrine.skodvin” <anne-kathrine.skodvin@ica.no>, “post@nav.no“
    <post@nav.no>, “steve.rotheram.mp” <steve.rotheram.mp@parliament.uk>,
    “complaint.info” <complaint.info@financial-ombudsman.org.uk>

    Hi,

    I think it’s strange, that I get about a bank-complaint, from a guy,
    with a muslim name, (if I’m not mistaking).

    If I’m not mistaking, I think the muslims have their own type of
    banks, who don’t charge interest, (or something like that).

    So this I wanted to complain about, to the High Court.

    Regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Customer Contact <customer.contact@financial-ombudsman.org.uk>
    Date: Thu, Aug 21, 2014 at 3:02 PM
    Subject: RE: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with
    the reference number: 0023045014/Fwd: Complaint
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Mr E Ribsskog

    Your complaint

    Thank you for contacting us. We will reply to your email as soon as
    possible – but within three weeks.

    If you need to get in touch before then, please use your reference,
    16028726. If you want to send us any additional information, there’s
    no need to send original documents.
    Yours sincerely

    Mohammed Miah

    Administrator (CCD)

    Telephone       0800 0 234 567
    Email           complaint.info@financial-ombudsman.org.uk

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 19 August 2014 02:52
    To: External Enquiries
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk
    Subject: Update/Fwd: Complaint/Fwd: FW: Your letter of 29/7 with the
    reference number: 0023045014/Fwd: Complaint

    Hi,

    I got a letter from RBS, the other day, which I attach, as an update,
    to my complaint, against them.

    I’ll try to sumarise a bit.

    I went to RBS Bootle, last month, and asked them, if I could have an
    overdraft, for gradutes.

    (I need clothes for job-interviews and I also work with a lot of
    inheritance-cases in Norway.

    An am unemployed, and am being messed with, by the Jobcentre, I think
    I have to say, so I also need money for living-expenses).

    RBS told me, that it’s more than three years, since I got my degree.

    So I couldn’t get an overdraft, for graduates, (they told me).

    I have had a lot of complaints, against RBS Dale Street, (from a few
    years ago, when I lived, in Leather Lane, where I lived, from 2006 to
    2011).

    So that could be why I didn’t go at once, to ask for an overdraft for
    graduates, (when I got my degree, in 2009).

    Since my relationship with RBS, wasn’t that good at the time, (due to
    the mentioned complaints, etc).

    So my complaint now, is that RBS are unreasonable and unflexible, when
    they now refuse me, and overdraft for graduates.

    I want to make a point of, that it isn’t that important to me, that I
    get this overdraft, for graduates.

    I’m just as happy, if I get a normal overdraft or a credit-card.

    I just need to sort my cash-flow-problem, (because I own property in
    Norway, but it’s difficult to sell, because there are legal-problems,
    (I think I have to call them now), since it’s a co-owned property. And
    I’m also expecting to get more inheritances, from both my mothers
    side, (an inheritance delayed since 2009), and later also on my
    fathers side).

    So I’m trying not to be un-flexible myself.

    I’m also glad if I get another type of loan/credit-card, from RBS,
    (who has been my main-bank, since I switched to them, in 2007, (from
    Barclays)).

    And also, I think they should applogoise, for calling me ‘Sir/Madam’,
    when I’m a well-known customer.

    The Merseyside Police, called me ‘Miss Erik Ribsskog’, in a letter to
    me, in 2007.

    Is this the Merseyside Police, who are messing with me, through RBS,
    I’m wondering.

    (RBS are now partly owned by the Government, I think, after the
    problems the bank had, during the finance-crises, a few years ago, if
    I remember it right.

    Is it so, that the Government then use this bank, (that they own parts
    of), to mess with citizens, I’m wondering a bit here.

    Hm).

    Please just ask me, if there is anything more you wonder about,
    regarding this complaint.

    I send a copy e-mail, to RBS, so that they can sort this, when they
    give me their final response.

    So that they know I want a loan and an apology.

    I hope this is alright!

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: Erik Ribsskog <eribsskog@gmail.com>
    Date: Tue, Aug 5, 2014 at 6:53 PM
    Subject: Complaint/Fwd: FW: Your letter of 29/7 with the reference
    number: 0023045014/Fwd: Complaint
    To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk

    Hi,

    I wanted to complain about that RBS calls me ‘Sir/Madam’.

    I’ve been a customer with them, since 2007, and I don’t like to be called Madam.

    (And I’ve informed them about my name, and branch.

    So this is that they harass me, I think).

    Yours sincerely,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Date: Tue, Aug 5, 2014 at 8:51 AM
    Subject: FW: Your letter of 29/7 with the reference number:
    0023045014/Fwd: Complaint
    To: “eribsskog@gmail.com” <eribsskog@gmail.com>

    Dear Sir/Madam,

    Case Reference 23045014.

    Thank you for your patience whilst we have been reviewing your
    complaint, and please accept our sincere apologies for the delay.

    Our review is taking us longer than we originally anticipated but once
    this is completed, it will enable us to carry out a full investigation
    and give you a response.  We hope to let you know the outcome of our
    review and investigations within the next two weeks.  If, due to the
    nature of your complaint this is not possible, we will be in touch to
    provide you with an update.

    If you have anything further you would like to add to your complaint,
    please call our Customer Care Team on 0845 607 2323. We’re here from
    8am to 6pm Monday to Friday, 9am to 4pm Saturday. If you have a
    hearing or speech impairment you can call us on Minicom 0845 900 5960.

    Regards
    Rohit Saini

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 02 August 2014 23:56
    To: ~ RBS Customer Relations
    Cc: rcjchancery.judgeslisting@hmcts.gsi.gov.uk; Joanne Dalton; DWP ICE
    gateway team; Contact-Us; CONTACT-US; emb.london; admin; post
    Subject: Your letter of 29/7 with the reference number:
    0023045014/Fwd: Complaint

    Hi,

    I’m refering to your letter from 29/7, which I received today, (from
    someone with a signature, that isn’t easy to read I think, perhaps you
    should start typing the names as well, just to complain a bit more,
    while I’m at it, so to speak).

    (I attach scanned copies of this letter).

    You write in the letter, that I can contact you, if I have something
    more to add, about this case.

    What I really need is an overdraft.

    Untill I’ve managed to sell a property, which I co-own, in Norway.

    So if I could have an overdraft of around xx

    (I’ve gotten a credit-card with a small credit-limit from Vanquis, and
    a new check-book-account, from Barclays.

    But RBS is my main-bank, since I switched to you, in 2007, so I think
    its a bit strange, if I don’t get like an overdraft, with you, when I
    get credit-cards and check-books, from other banks, that aren’t even
    my main-bank.

    Even if RBS is Scottish and my mother used to say, (during my
    upbringing), that Scots were ‘gjerrige’, (like we say in Norway), for
    some reason.

    The problem is that the Jobcentre aren’t civilised you see.

    They ‘never’ pay me my jobseekers-allowance these days.

    The owe me around £xxx since January, in missing jobseekers-allowances.

    And many of the payments I’ve gotten this year, have also been delayed.

    So JCP have been notourioulsy irreliable, this year, I have to say.

    They have also framed me, and are taking me to court, for having sent
    harasment-emails, which I haven’t sent at all.

    So it’s like I live in a war-zone in Africa, or something, I’d say, in 2014.

    So I can trust JCP, so if I could please have an overdraft.

    So that I can get bye, untill I’ve gotten my property sold in Norway,
    (I need a landline-phone I think, because Drammen Tingrett don’t reply
    to e-mails, and sometimes don’t even reply to my phone-calls, they
    just pretend to be closed, during opening hours, (this is a local
    court in Drammen, Norway, who are supposed to sell properties that are
    co-owned, when one of the owners ask for them to do it, I asked them
    to sell the property in 2011, but they still haven’t sold it).

    I attach some files about this property as well.

    Since it’s a bit tirering, to having to walk around on the streets, to
    look for coins, like I sometimes have to do, here in Walton.

    Since the JCP mess with me this much.

    Thanks in advance for helping me with this over-draft!

    Best regards,

    Erik Ribsskog

    ———- Forwarded message ———-
    From: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
    Date: Thu, Jul 24, 2014 at 2:09 PM
    Subject: RE: Complaint
    To: Erik Ribsskog <eribsskog@gmail.com>

    Dear Sir / Madam,

    Thank you for your recent email.

    The reference number of your Complaint is 23045014.

    I am sorry you are unhappy with the service you recently received, but
    grateful you have taken the time to explain why.

    I have reviewed your complaint and have passed your details on to the
    relevant department who we feel are best placed to deal with the
    issues you have raised. They will investigate the case carefully and
    will contact you within the next 10 working days, if possible with a
    full response. If the team needs more time to investigate, they will
    tell you why and what they have done so far.

    We hope you will understand that we do not normally send our full
    response by e-mail, as it may include confidential information that
    could be read by other people.

    If you would like to contact us in the meantime, please e-mail us.

    Regards
    Ruchi Malhotra

    —–Original Message—–
    From: Erik Ribsskog [mailto:eribsskog@gmail.com]
    Sent: 23 July 2014 18:10
    To: ~ RBS Customer Relations
    Cc: complaint.info
    Subject: Complaint

    Hi,

    yesterday I was at your branch in Bootle, at Merseyside.

    I opened a student-account with Barclays, in Sunderland, in 2004.

    And in 2007, I switched to RBS.

    So this is initially a student account.

    And in 2009, I got my degree, from my home university, (Oslo
    University College).

    And I now don’t get my jobseekers allowance, (for some strange reasons).

    So I wondered if I could have an overdraft for graduates.

    (To get money for clothes for job-interviews and travel to
    job-interviews, etc.).

    I spoke with a brunette Cashier there, (Paula or something?), and a young clerk.

    The clerk said I only have three years to get an overdraft for graduates.

    But I’m from Norway, so I haven’t understood about these overdrafts,
    until recently.

    And my grandmother died in 2009, and it’s been like a horrible
    inheritance-brawl, in the years since this.

    And I still haven’t gotten my inheritance, (even if my mother died in
    1999, so I should have gotten some inheritance, after my mothers
    mother).

    So I try to send a complaint about this.

    Since I think you are a bit un-flexible.

    I think RBS could be a bit more flexible, (since I’m in a difficult
    economical situation, now in this hot summer-weather as well), so I
    hope that you can offer me some type of overdraft or emergency-loan or
    at least a check-book.

    My account is with your branch in Dale St., in Liverpool.

    So you can contact them, if you need more information, about my account.

    Yours sincerely,

    Erik Ribsskog
    *** WARNING : This message originates from the Internet *** The Royal
    Bank of Scotland plc, Registered in Scotland No. 90312.
    Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

    Authorised by the Prudential Regulation Authority and regulated by the
    Financial Conduct Authority and the Prudential Regulation Authority.

    This e-mail message is confidential and for use by the addressee only.
    If the message is received by anyone other than the addressee, please
    return the message to the sender by replying to it and then delete the
    message from your computer. Internet e-mails are not necessarily
    secure. The Royal Bank of Scotland plc does not accept responsibility
    for changes made to this message after it was sent. The Royal Bank of
    Scotland plc may monitor e-mails for business and operational
    purposes. By replying to this message you give your consent to our
    monitoring of your email communications with us.

    Whilst all reasonable care has been taken to avoid the transmission of
    viruses, it is the responsibility of the recipient to ensure that the
    onward transmission, opening or use of this message and any
    attachments will not adversely affect its systems or data. No
    responsibility is accepted by The Royal Bank of Scotland plc in this
    regard and the recipient should carry out such virus and other checks
    as it considers appropriate.
    *** WARNING : This message originates from the Internet *** The Royal
    Bank of Scotland plc, Registered in Scotland No. 90312.
    Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

    Authorised by the Prudential Regulation Authority and regulated by the
    Financial Conduct Authority and the Prudential Regulation Authority.

    This e-mail message is confidential and for use by the addressee only.
    If the message is received by anyone other than the addressee, please
    return the message to the sender by replying to it and then delete the
    message from your computer. Internet e-mails are not necessarily
    secure. The Royal Bank of Scotland plc does not accept responsibility
    for changes made to this message after it was sent. The Royal Bank of
    Scotland plc may monitor e-mails for business and operational
    purposes. By replying to this message you give your consent to our
    monitoring of your email communications with us.

    Whilst all reasonable care has been taken to avoid the transmission of
    viruses, it is the responsibility of the recipient to ensure that the
    onward transmission, opening or use of this message and any
    attachments will not adversely affect its systems or data. No
    responsibility is accepted by The Royal Bank of Scotland plc in this
    regard and the recipient should carry out such virus and other checks
    as it considers appropriate.
    ******************************
    This email is covered by our email disclaimer
    (http://www.financial-ombudsman.org.uk/faq/answers/using_this_site_a2.html#emails).

    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.
    ******************************


    2 attachments

    PS.

    Her er vedleggene:

    barclays paint

    barclays2