Stikkord: The Financial Ombudsman Service

today I was at Barclays Bootle again, regarding if I could get an
overdraft, for graduates.

I spoke with Danny, (who I think was the unshaven man, who I
mentioned, in an earlier complaint).

He told me, I had to wait around a year, to get an overdraft, (on my
new, upgraded account).

I told him, that the Jobcentre have stopped paying my
jobseekers-allowance, so I needed money for both new clothes, (or
job-interviews etc.), and living-expenses.

He asked me when my degree was from.

I explained that I studied at University of Sunderland, in 2004, (when
I got the student-account, at Barclays Sunderland).

And that I had two home-universities.

And that I got my degree in 2009, after I got my two home-universities
to co-operated, and do some adminstrative ‘stuff’, so that I could get
my degree.

I don’t remember exactly, why I didn’t ask for an overdraft like that, in 2009.

But I’m from Norway, so I have to catch up a bit.

I didn’t know about how the Housing Benefit-scheme and Council Tax
Benefit was eighter, when I moved here, almost ten years ago.

So I have to catch up a bit.

And also I had a lot of complaints, against Barclays, in the city
centre of Liverpool, from around 2008.

(That I sent to you at the Financial Ombudsman).

And also, my mothers mother died in 2009, (and my mother died in
1999), so I have been expecting to get an inheritance, from Norway,
since 2009.

But 2009 si now five years ago, so I don’t remember exactly why I
didn’t ask for an overdraft then.

But I didn’t have that big problems with the Jobcentre around then, so
that could have been the reason, that I thought I didn’t need an
overdraft like that then.

Or that I’ve read about this type of overdraft later, I think the
reason must have been.

We don’t have these overdrafts in Norway, (as far as I know).

And I’ve also been a member, of several ‘unions’, like
Akademerforbundet, (a union for academics), and NITO, (an organisation
for technologists), in Norway, so I’ve also tried to get them to help
me with different ‘stuff’ for unemployed.

Danny told me, that I would have had to contact them, about an
overdraft for graduates, within two years, of that I received my
degree.

I told him, that that was about the same, that RBS have told me.

(Since that I also have an account, with RBS).

And that I had complained about RBS, for being a bit un-flexible.

And that I was going to complain about Barclays, for the same.

Since I didn’t want to sit there, (at Barclays Bootle), and have an
arguement, about this.

So that’s why I send you this complaint now.

Barclays don’t have an e-mail address on their website.

(Unlike RBS I think.

At least I have RBS’s general enquiry e-mail address.

But haven’t got Barclays’ general enquiry e-mail address.

I haven’t managed to find it.

Even if I’ve been working, as a Company Researcher, in 2007 and 2008.

So I should be able to find it, on their website, (I think), if it’s there).

I think I don’t have to exchaust Barclays internal
complaint-procedure, (like I’ve told you earlier), since they don’t
have a general enquiery e-mail-address, on their website.

Then they ‘melder seg selv ut’, like we say, in Norway.

(They are anti-social or how I should translate it).

When I complained about this, the last time, the Financial Ombudsman
were unreasonable, and refused to accept my argument, regarding this.

So this is now with the High Court.

So I also send an update e-mail, to them about this.

And also to the Parliamentary Ombudsman, since I’ve brought up the
same problem earlier, with this, (to do with another company).

Regards,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Thu, Jul 17, 2014 at 1:59 AM
Subject: Update/Fwd: Complaint about Barclays/Fwd: Complaint/Fwd:
Property in Norway
To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

to do with the meeting, with the unshave man, at Barclays Bootle, last week.

(Like I explained about, in the forwarded e-mail).

I now remember, that he said, something like:

‘There’s no _avenue_, that leads to an overdraft, for your acount’.

(Something like that).

I thought that perhaps was a bit strange use of the word ‘avenue’,
(instead of e.g. ‘way’).

Could he have been mocking me, (or something like that), since my
address is 10 Keith Court, Keith _Avenue_, (in Walton, Liverpool).

Just something I thought about.

Regards,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Jul 11, 2014 at 4:40 AM
Subject: Complaint about Barclays/Fwd: Complaint/Fwd: Property in Norway
To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

to do with this mortage, that I’m trying to get, on my property, in Norway.

I was at Barclays in Walton, on Monday.

They told me to go to Barclays in Bootle or Lord Street, to speak with
a mortage-advisor.

So I went to Barclays Bootle, on Tuesday.

There I got to speak with Paula Farrell.

(About an apointment with a mortage-advisor).

But I wanted to complain a bit here.

I explained in the meeting, that I was there a bit late, because I
couldn’t find the branch, at first.

(They have a big shopping-centre there).

And then Farrell said: ‘Were tucked away at the front’.

I thought she was being sarcastic.

And then she told me to tell someone that I went to the meeting with
the mortage-advisor next week.

What’s that supposed to mean?

Was it a threat or something?

Why would I need to tell someone I was going to a meeting at the bank.

This I wanted to complain about, since this could seem like a threat, I think.

Also she asked about my new mobile-number twice.

Which I thought was to many times.

Also I went back there today, (Thursday), regarding an overdraft.

Then Farrell wasn’t there.

But an unshaven blond man, sat there, and asked me what I wondered about.

I explained that I had given Farrell the wrong answer about my
Barclays-account, on Tuesday.

Because when I wondered about an overdraft.

(Since the Jobcentre are messing with me, so that I almost starve to death).

Then I answered it wasn’t a student-account.

(Because I wondered if I could have an overdraft for graduates, that
I’ve read about, some time ago.

Since I’ve now gotten my degree, from Norway, in 2009).

I told the blond man, that my Barclays-account was initially a student-account.

(But that the meeting with Farrell was mostly about the mortage.

So I managed to remember wrong, about the Barclays account).

I had also brought with me, the business-card, of the Barclays staff,
in Sunderland, (Neville J. Anderson), that I spoke with, about a
bank-account, in 2004, when I studied, at the University of
Sunderland.

(Since I’ve had that card in my wallet, since then, by chance, I think
one have to say).

And then the clerk said there was no way I could have an overdraft.

I think that’s strange, that I can’t have an overdraft, for graduates,
when I’ve now gotten my Høgskolekandidat-degree, from Oslo University
College, (in IT).

And also, why don’t their staff shave, I was wondering.

That’s strange in custommer-facing-role, I’d say.

When I served my conscription-service, in the Norwegian Army, in 1992/93.

We were told we eighter had to have no beard or a full beard.

Nothing inbetween was considered ‘kosher’, (as I remember it).

I guess working in a bank, as an advisor like that, could be compared
with representing a country’s army.

At least I thought it was a bit strange, that the Barclays-staff have
a three day beard, like we call it, in Norway.

(Like Richard Gere, in Pretty Woman, I guess).

Farrell also asked me if I had any days I couldn’t have the meeting.

And then she asked me if Friday was ok.

And then she changed it to Friday next week.

And then she didn’t answer when I wanted to have the meeting later than 10 AM.

So I wanted to complain about that Barclay Bootle aren’t good at
custommer-service.

Thanks in advance for any help with this!

Yours sincerely,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Jul 2, 2014 at 4:45 PM
Subject: Complaint/Fwd: Property in Norway
To: Customer.Relations@rbs.co.uk
Cc: complaint.info@financial-ombudsman.org.uk

Hi,

I was a bit in a hurry at the library yesterday, so I didn’t notice
that you called me ‘Sir/Madam’.

It’s an insult that you call me Madam I think.

This I wanted to complain about.

Weren’t RBS supposed to be sold to Santander.

When is this sale going to happen, I was wondering.

The sooner the better, I hope.

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Tue, 1 Jul 2014 15:56:32 +0100
Subject: Re: Property in Norway
To: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
Cc: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

ok, which UK bank would be able to give me a loan on a propery in Norway then?

Are there other British banks who are more international?

Regards,

Erik Ribsskog

On 7/1/14, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk> wrote:
> Dear Sir/Madam,
>
> Thank you for your e-mail.
>
> At the outset, I would like to apologise for any inconvenience this
> matter may have caused you.
>
> Unfortunately, we will not be able to provide a mortgage for a property
> outside the UK.
>
> For opening a graduate account you will need to visit any RBS branch to
> discuss the eligibility.
>
> Regards
> Imran khan
>
>
> —–Original Message—–
> From: Erik Ribsskog [mailto:eribsskog@gmail.com]
> Sent: 27 June 2014 12:12
> To: ~ RBS Customer Relations
> Subject: Property in Norway
>
> Hi,
>
> I own part of a property in Norway.
>
> (My father inherited this, (from his bachelor-uncles, after two of them
> had died), in 2005, but didn’t want to own it, for some reason, and gave
> half of his share on to me).
>
> My third bachelor-uncle, (Idar Sandersen), still lives there.
>
> But he is more than 90 years old.
>
> I want to sell it, but perhaps it’s better to wait, untill my granduncle
> dies.
>
> I’ve asked my earlier Norwegian banks, (from when I lived in Norway,
> that is DNB and Nordea), if they could loan me some money, on this
> property.
>
> But they have not given me any loans, for some strange reason.
>
> Because this property is in a place, (Hurum), where properties like
> this, are in demand, (since it’s close to the sea/fjord, etc.), it
> seams.
>
> I’m not sure if you at RBS are used to dealing with properties in
> Norway, so I’ve waited many years, with contacting you, about this.
>
> But I guess my share of this property could easily be worth ***
>
> And at the same time, I have problems with the Jobcentre.
>
> They stop my allowance, ‘all the time’.
>
> (And they also take me to court, acusing me of haveing written dirty
> e-mails to their staff.
>
> I rather want to live on the money for this propety I own, than having
> to deal with the Jobcentre any longer.
>
> If that’s possible).
>
> Can I please get a loan, on this property.
>
> And then I can pay it back, after Idar Sandersen dies.
>
> Since I almost starve to death, every year, (or so), due to problems
> with the Jobcentre.
>
> I’ve also gotten my degree, in 2009, from Oslo University College.
>
> Could I please have a bank-account, for graduates, with an overdraft,
> (for graduates), I was wondering.
>
> Best regards,
>
> 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
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> you give your consent to our monitoring of your email communications with
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>
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> Royal Bank of Scotland plc in this regard and the recipient should carry out
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>
>

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
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*** 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
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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.

I think it’s poor customer-service, that Barclays don’t have their
e-mail-address, on their website.

If they have a web-site, they should also have an e-mail-address.

(I’ve worked as a Company Researcher, and all companies, used to have
an e-mail-address, as I remember it).

I guess I have to send this to the High Court then, if you don’t want
to do your job.

Normal letters are called ‘snail mail’ these days.

(Or at least in the nineties).

So it could seem backwards, I think, that companies now starts going
back to snail-mail again, (so to speak).

This is poor customer-service, I think.

And it doesn’t make much sense to me eighter.

And the bank doesn’t explain why they’ve removed their e-mail-address,
from their website.

So this is a bit of mystery, to me.

So to ignore a mystery like this, I think is a bit strange.

Is it the Bilderberger-group, (or something similar), who have ordered
you not to investigate about this issue, I was wondering.

Regards,

Erik Ribsskog

On Fri, Aug 1, 2014 at 4:42 PM, Montrose, Graeme
<Graeme.Montrose@financial-ombudsman.org.uk> wrote:
> Dear Mr Ribsskog
>
> Thank you for your email.
>
> I must inform you that the points you have raised in your email are
> unacceptable to us. Whilst you are expressing your opinion,  the points you
> have raised will certainly not be considered if we investigate your
> complaint, as they bare no relevance to your case. If you continue to raise
> these points in any further correspondence , it may result in us deciding
> not to investigate your complaint.
>
> If you have not received a final response from Barclays Bank Plc., we can
> write to them on your behalf and give them eight weeks to investigate your
> complaint and to issue its final response letter. However, to enable me to
> do this I require your account number and sort code. I cannot take any
> further action without this information.
>
> Yours sincerely
>
> Graeme Montrose
> consumer consultant
> email Graeme.Montrose@financial-ombudsman.org.uk
>
>
> ________________________________
>
> 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.
>
> ________________________________

I haven’t managed to find Barclay’s e-mail-address, on their website.

(Even if I’ve worked as a company researcher, some years ago).

So then I think we could just skip the part, to do with a final decision letter.

Since the bank, more or less has said it doesn’t want any
correspondence or complaints.

Since it doesn’t have its e-mail-address on its website.

I hope you at the Financial Ombudsman agrees with this.

Best regards.

Erik Ribsskog

On Tue, Jul 29, 2014 at 5:47 PM, Montrose, Graeme
<Graeme.Montrose@financial-ombudsman.org.uk> wrote:
>
> 29 July 2014
>
> Dear Mr Ribsskog
>
> your complaint about Barclays Bank Plc
>
> Thank you for getting in touch with us. I’ve enclosed a leaflet that
> explains our role – so do have a look at how we can help.
>
> In order to process your complaint we require the final decision letter from
> the firm in relation to your complaint. If you no longer have that or any
> other evidence showing you have complained to the firm. Please let me know
> and provide me, your sort code and account number and I will write to the
> firm on your behalf giving them 8 weeks to deal with your complaint.
>
> For your purposes, a final response will give you the Ombudsman rights to
> refer your complaint to our service within six months from the date of that
> letter.
>
> what happens next
>
> I have also enclosed a complaint form which I have filled in as far as I can
> from the information you have given us so far.
>
> I would be grateful if you could check the form, correct anything that isn’t
> right and add any missing information. Please then sign the form and send it
> back to us – along with any copies of any other information you think is
> important to your complaint. There’s no need to send us any original
> documents.
>
> Once we receive the signed form, we will let you know the next steps.
> Because time limits apply to bringing a complaint to the ombudsman, please
> return the form as soon as possible – so you don’t lose your right to
> complain.
>
> We won’t take any more action until we hear from you. If you would like more
> information about us, please see our website –
> www.financial-ombudsman.org.uk.
>
> Yours sincerely
>
> Graeme Montrose
> consumer consultant
>
> direct line     020 3487 3426
> direct fax      020 3487 3427
> email   Graeme.Montrose@financial-ombudsman.org.uk
>
>
>
> ________________________________
>
> 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.
>
> ________________________________

I went to the mortage-meeting, at Barclays Bootle, (with Jackie
Hodge), on Friday last week.

And she said she thought I wanted a second mortage.

And that they couldn’t help me since my property was in Norway, (a
co-owned property).

But I made it clear in the meeting with Paula Farrell, that I’m from
Norway, and that the property is in Norway.

So it’s just chaos there, (at Barclays Bootle), it seems.

And it was just a waste of time for me, to go to the mortage-meeting,
since Barclays didn’t operate in Norway.

But why did they set up the meeting then?

This I wanted to complain about.

Because this makes no sense, I think.

Regards,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Thu, Jul 17, 2014 at 1:59 AM
Subject: Update/Fwd: Complaint about Barclays/Fwd: Complaint/Fwd:
Property in Norway
To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

to do with the meeting, with the unshave man, at Barclays Bootle, last week.

(Like I explained about, in the forwarded e-mail).

I now remember, that he said, something like:

‘There’s no _avenue_, that leads to an overdraft, for your acount’.

(Something like that).

I thought that perhaps was a bit strange use of the word ‘avenue’,
(instead of e.g. ‘way’).

Could he have been mocking me, (or something like that), since my
address is 10 Keith Court, Keith _Avenue_, (in Walton, Liverpool).

Just something I thought about.

Regards,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Jul 11, 2014 at 4:40 AM
Subject: Complaint about Barclays/Fwd: Complaint/Fwd: Property in Norway
To: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

to do with this mortage, that I’m trying to get, on my property, in Norway.

I was at Barclays in Walton, on Monday.

They told me to go to Barclays in Bootle or Lord Street, to speak with
a mortage-advisor.

So I went to Barclays Bootle, on Tuesday.

There I got to speak with Paula Farrell.

(About an apointment with a mortage-advisor).

But I wanted to complain a bit here.

I explained in the meeting, that I was there a bit late, because I
couldn’t find the branch, at first.

(They have a big shopping-centre there).

And then Farrell said: ‘Were tucked away at the front’.

I thought she was being sarcastic.

And then she told me to tell someone that I went to the meeting with
the mortage-advisor next week.

What’s that supposed to mean?

Was it a threat or something?

Why would I need to tell someone I was going to a meeting at the bank.

This I wanted to complain about, since this could seem like a threat, I think.

Also she asked about my new mobile-number twice.

Which I thought was to many times.

Also I went back there today, (Thursday), regarding an overdraft.

Then Farrell wasn’t there.

But an unshaven blond man, sat there, and asked me what I wondered about.

I explained that I had given Farrell the wrong answer about my
Barclays-account, on Tuesday.

Because when I wondered about an overdraft.

(Since the Jobcentre are messing with me, so that I almost starve to death).

Then I answered it wasn’t a student-account.

(Because I wondered if I could have an overdraft for graduates, that
I’ve read about, some time ago.

Since I’ve now gotten my degree, from Norway, in 2009).

I told the blond man, that my Barclays-account was initially a student-account.

(But that the meeting with Farrell was mostly about the mortage.

So I managed to remember wrong, about the Barclays account).

I had also brought with me, the business-card, of the Barclays staff,
in Sunderland, (Neville J. Anderson), that I spoke with, about a
bank-account, in 2004, when I studied, at the University of
Sunderland.

(Since I’ve had that card in my wallet, since then, by chance, I think
one have to say).

And then the clerk said there was no way I could have an overdraft.

I think that’s strange, that I can’t have an overdraft, for graduates,
when I’ve now gotten my Høgskolekandidat-degree, from Oslo University
College, (in IT).

And also, why don’t their staff shave, I was wondering.

That’s strange in custommer-facing-role, I’d say.

When I served my conscription-service, in the Norwegian Army, in 1992/93.

We were told we eighter had to have no beard or a full beard.

Nothing inbetween was considered ‘kosher’, (as I remember it).

I guess working in a bank, as an advisor like that, could be compared
with representing a country’s army.

At least I thought it was a bit strange, that the Barclays-staff have
a three day beard, like we call it, in Norway.

(Like Richard Gere, in Pretty Woman, I guess).

Farrell also asked me if I had any days I couldn’t have the meeting.

And then she asked me if Friday was ok.

And then she changed it to Friday next week.

And then she didn’t answer when I wanted to have the meeting later than 10 AM.

So I wanted to complain about that Barclay Bootle aren’t good at
custommer-service.

Thanks in advance for any help with this!

Yours sincerely,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Wed, Jul 2, 2014 at 4:45 PM
Subject: Complaint/Fwd: Property in Norway
To: Customer.Relations@rbs.co.uk
Cc: complaint.info@financial-ombudsman.org.uk

Hi,

I was a bit in a hurry at the library yesterday, so I didn’t notice
that you called me ‘Sir/Madam’.

It’s an insult that you call me Madam I think.

This I wanted to complain about.

Weren’t RBS supposed to be sold to Santander.

When is this sale going to happen, I was wondering.

The sooner the better, I hope.

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Tue, 1 Jul 2014 15:56:32 +0100
Subject: Re: Property in Norway
To: ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>
Cc: “complaint.info” <complaint.info@financial-ombudsman.org.uk>

Hi,

ok, which UK bank would be able to give me a loan on a propery in Norway then?

Are there other British banks who are more international?

Regards,

Erik Ribsskog

On 7/1/14, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk> wrote:
> Dear Sir/Madam,
>
> Thank you for your e-mail.
>
> At the outset, I would like to apologise for any inconvenience this
> matter may have caused you.
>
> Unfortunately, we will not be able to provide a mortgage for a property
> outside the UK.
>
> For opening a graduate account you will need to visit any RBS branch to
> discuss the eligibility.
>
> Regards
> Imran khan
>
>
> —–Original Message—–
> From: Erik Ribsskog [mailto:eribsskog@gmail.com]
> Sent: 27 June 2014 12:12
> To: ~ RBS Customer Relations
> Subject: Property in Norway
>
> Hi,
>
> I own part of a property in Norway.
>
> (My father inherited this, (from his bachelor-uncles, after two of them
> had died), in 2005, but didn’t want to own it, for some reason, and gave
> half of his share on to me).
>
> My third bachelor-uncle, (Idar Sandersen), still lives there.
>
> But he is more than 90 years old.
>
> I want to sell it, but perhaps it’s better to wait, untill my granduncle
> dies.
>
> I’ve asked my earlier Norwegian banks, (from when I lived in Norway,
> that is DNB and Nordea), if they could loan me some money, on this
> property.
>
> But they have not given me any loans, for some strange reason.
>
> Because this property is in a place, (Hurum), where properties like
> this, are in demand, (since it’s close to the sea/fjord, etc.), it
> seams.
>
> I’m not sure if you at RBS are used to dealing with properties in
> Norway, so I’ve waited many years, with contacting you, about this.
>
> But I guess my share of this property could easily be worth ***
>
> And at the same time, I have problems with the Jobcentre.
>
> They stop my allowance, ‘all the time’.
>
> (And they also take me to court, acusing me of haveing written dirty
> e-mails to their staff.
>
> I rather want to live on the money for this propety I own, than having
> to deal with the Jobcentre any longer.
>
> If that’s possible).
>
> Can I please get a loan, on this property.
>
> And then I can pay it back, after Idar Sandersen dies.
>
> Since I almost starve to death, every year, (or so), due to problems
> with the Jobcentre.
>
> I’ve also gotten my degree, in 2009, from Oslo University College.
>
> Could I please have a bank-account, for graduates, with an overdraft,
> (for graduates), I was wondering.
>
> Best regards,
>
> Erik Ribsskog
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