Stikkord: Wescot

Mer om budsjett

Gmail – Wescot Response 49597867 RE: Correspondence Reply

Erik Ribsskog
<eribsskog@gmail.com>

Wescot Response 49597867 RE: Correspondence Reply

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Nov 2, 2012 at 2:26 PM

To:
Contact Us <contactus@wescot.co.uk>

Cc:
client.services@cccs.co.uk

Hi,

ok, I’ll be waiting to hear from you that my debt with you and Captial One has been deleted then.

Thanks for the help with this!

Best regards,

Erik Ribsskog

On Fri, Nov 2, 2012 at 8:27 AM, Contact Us <contactus@wescot.co.uk> wrote:

02 November 2012

Dear Mr

Ribsskog

Further to your recent email, I am sorry to note there appears to be some confusion over the account. To resolve this and offer a detailed explanation I have
referred the points you have raised to our client and we are currently awaiting an update from them.

I trust the above answers your query and I apologise you had to contact us again to confirm the details.

Yours sincerely

Funmi Olugbenga-Dada

Account Controller

email: contactus@wescot.co.uk

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

Sent: Tuesday, October 30, 2012 3:29 PM
To: Contact Us
Cc: Q&A
Subject: Re: Wescot ResponseRE: Correspondence Reply

Hi,

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

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

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

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

This is sabotage, I think.

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

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

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

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

So eighter you’re ignorant or slow.

So I think you should perhaps find another job.

Like putting spread on sandwiches, or something like that.

Just an advice.

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with

an explanation or resolution as quickly as possible.

Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If you believe this balance is not due

we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

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

Yours sincerely

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

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

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

Hi,

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

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

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with

an explanation or resolution as quickly as possible.

In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further on this, as we haveno details

in regards to the balance being deleted.

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

Yours sincereley

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]

Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Subject: Re: Correspondence Reply

Hi,

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

Do you know this?

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

I’ll paste that in this e-mail now.

Best regards,

Erik Ribsskog

PS.

Here’s the update e-mail from Saturday:

Hi,

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

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

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

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

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

Now you get back to me.

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

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

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

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

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

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

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

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

And I’m going to do that.

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

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

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

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning Erik,

Thank you for contacting us about Wescot.

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

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

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

Kind regards

Faye

Correspondence Advisor

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

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

Hi,

thank you for your e-mail!

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

Wescot have sent me a budget-form again now.

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

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

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

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners are an

internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you can at this

time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

If you have any queries or concerns, please do not hesitate to contact us on 0845 272 5400. Lines are open 8am to

6pm, Monday to Friday. Email us at
client.services@cccs.co.uk
or go online to www.cccs.co.uk
and follow the links to send us a web mail.

Kind regards

Hannah

Correspondence Advisor

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

———- Forwarded message ———-

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

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

ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms

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

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment.

It will show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses

about them not receiving your letters.

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

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

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

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

I hope this has been helpful.

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

client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

From: Erik

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

for these details and this may delay your reply.

Thank you

The Correspondence Team

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Please consider the environment before printing this e-mail.

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

for these details and this may delay your reply.

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you

for these details and this may delay your reply.

Thank you

The Correspondence Team

—–Original Message—–

From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

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________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
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in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
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Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

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———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery
of the message to the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent.Please note that Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the
opinions and views of Wescot Credit Services Ltd.

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to
the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note thatWescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views
of Wescot Credit Services Ltd.

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to
the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note thatWescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views
of Wescot Credit Services Ltd.

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

2. november 2012
Jeg sendte enda en e-post til Wescot

Gmail – Wescot ResponseRE: Correspondence Reply

Erik Ribsskog
<eribsskog@gmail.com>

Wescot ResponseRE: Correspondence Reply

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Oct 30, 2012 at 3:29 PM

To:
Contact Us <contactus@wescot.co.uk>

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

Hi,

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

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

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

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

This is sabotage, I think.

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

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

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

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

So eighter you’re ignorant or slow.

So I think you should perhaps find another job.

Like putting spread on sandwiches, or something like that.

Just an advice.

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation or resolution

as quickly as possible.

Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If you believe this balance is not due we would require the

full details of dispute on this account. Which would allow us to investigate your query with our client.

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

Yours sincerely

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

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

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

Hi,

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

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

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation

or resolution as quickly as possible.

In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further on this, as we haveno details in regards to

the balance being deleted.

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

Yours sincereley

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]

Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Subject: Re: Correspondence Reply

Hi,

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

Do you know this?

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

I’ll paste that in this e-mail now.

Best regards,

Erik Ribsskog

PS.

Here’s the update e-mail from Saturday:

Hi,

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

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

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

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

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

Now you get back to me.

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

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

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

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

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

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

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

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

And I’m going to do that.

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

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

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

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning Erik,

Thank you for contacting us about Wescot.

To make token payments to Wescot you do not need to fill in a giro slip. All you need is their sort code and account number and also the Wescot reference

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

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

Kind regards

Faye

Correspondence Advisor

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

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

Hi,

thank you for your e-mail!

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

Wescot have sent me a budget-form again now.

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

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

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

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners

are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you

can at this time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

If you have any queries or concerns, please do not hesitate to contact us on 0845 272 5400. Lines are open 8am to 6pm, Monday

to Friday. Email us at
client.services@cccs.co.uk
or go online to www.cccs.co.uk
and follow the links to send us a web mail.

Kind regards

Hannah

Correspondence Advisor

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

———- Forwarded message ———-

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the

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

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will

show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about

them not receiving your letters.

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

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

One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

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

I hope this has been helpful.

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

client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

From: Erik

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

details and this may delay your reply.

Thank you

The Correspondence Team

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Please consider the environment before printing this e-mail.

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

details and this may delay your reply.

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

details and this may delay your reply.

Thank you

The Correspondence Team

—–Original Message—–

From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

Follow us on Twitter
http://twitter.com/moneyaware

Like us on Facebook
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http://moneyaware.co.uk/

P Please consider the environment before printing this e-mail.

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
———————————————————————
This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

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———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message
to the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please notethat Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and
views of Wescot Credit Services Ltd.

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended
recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services
Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

30. oktober 2012
Jeg sendte en e-post Wescot

Gmail – Correspondence Reply

Erik Ribsskog
<eribsskog@gmail.com>

Correspondence Reply

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Oct 30, 2012 at 2:54 PM

To:
Contact Us <contactus@wescot.co.uk>

Hi,

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

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

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation or resolution

as quickly as possible.

In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further on this, as we haveno details in regards to the balance

being deleted.

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

Yours sincereley

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]
Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Subject: Re: Correspondence Reply

Hi,

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

Do you know this?

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

I’ll paste that in this e-mail now.

Best regards,

Erik Ribsskog

PS.

Here’s the update e-mail from Saturday:

Hi,

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

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

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

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

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

Now you get back to me.

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

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

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

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

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

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

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

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

And I’m going to do that.

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

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

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

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning Erik,

Thank you for contacting us about Wescot.

To make token payments to Wescot you do not need to fill in a giro slip. All you need is their sort code and account number and also the Wescot reference

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

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

Kind regards

Faye

Correspondence Advisor

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

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

Hi,

thank you for your e-mail!

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

Wescot have sent me a budget-form again now.

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

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

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

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners

are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you

can at this time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

If you have any queries or concerns, please do not hesitate to contact us on 0845 272 5400. Lines are open 8am to 6pm, Monday

to Friday. Email us at
client.services@cccs.co.uk
or go online to www.cccs.co.uk
and follow the links to send us a web mail.

Kind regards

Hannah

Correspondence Advisor

From: Erik Ribsskog

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

———- Forwarded message ———-

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the

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

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will

show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about

them not receiving your letters.

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

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

One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

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

I hope this has been helpful.

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

client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

From: Erik

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

details and this may delay your reply.

Thank you

The Correspondence Team

Follow us on Twitter

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P

Please consider the environment before printing this e-mail.

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

details and this may delay your reply.

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

this may delay your reply.

Thank you

The Correspondence Team

—–Original Message—–

From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

Follow us on Twitter
http://twitter.com/moneyaware

Like us on Facebook
http://www.facebook.com/moneyaware

Read the MoneyAware blog
http://moneyaware.co.uk/

P Please consider the environment before printing this e-mail.

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
———————————————————————
This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery
of the message to the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent.Please note that Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the
opinions and views of Wescot Credit Services Ltd.

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

30. oktober 2012
Jeg sendte en e-post til Wescot

Gmail – Stephen Wood, Customer Relations Associate – Your Ref: SW/30139-12

Erik Ribsskog
<eribsskog@gmail.com>

Stephen Wood, Customer Relations Associate – Your Ref: SW/30139-12

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Oct 22, 2012 at 10:00 AM

To:
offers <offers@wescot.co.uk>

Hi,

I meant for you to send the e-mail to Mr. Wood.

Best regards,

Erik Ribsskog

On Mon, Oct 22, 2012 at 9:29 AM, offers <offers@wescot.co.uk> wrote:

Dear Mr Ribsskog,

Further to your email, to enable us to deal with your request please provide the Wescot Reference Beginning with D3 or DM.

Yours Sincerely

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

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

Sent: 20 October 2012 08:13
To: offers
Cc: Q&A; Contact-Us
Subject: Stephen Wood, Customer Relations Associate – Your Ref: SW/30139-12

Hi,

I’m refering to your letter from 18/10, which I recieved yesterday.

At the moment there is a problem with the Jobcentre, so I don’t get my Jobseekers Allowance, at the moment.

But I’m going to start to send you token-payments monthly from the 30th of next month, if I get my Jobseekers Allowance back.

If haven’t gotten my Jobseekers Allowance back by then, I’m going to update you, on this e-mail address.

Thanks again for the letter!

Yours sincerely,

Erik Ribsskog

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

22. oktober 2012
Jeg sendte en e-post til Wescot

20. oktober 2012
Jeg fikk et brev fra Wescot

20. oktober 2012
Jeg sendte en ny e-post til Wescot

Gmail – Update/Fwd: Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog
<eribsskog@gmail.com>

Update/Fwd: Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Sat, Oct 13, 2012 at 10:05 PM

To:
offers@wescot.co.uk

Cc:
Correspondence Queries <client@cccs.co.uk>, Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>

Hi,

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

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

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

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

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

Now you get back to me.

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

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

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

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

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

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

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

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

And I’m going to do that.

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

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

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

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Oct 12, 2012 at 4:12 PM
Subject: Re: Update/Fwd: *****7867/Fwd: CCCS
To: Correspondence Queries <client@cccs.co.uk>
Cc: offers <offers@wescot.co.uk>

Hi,

thank you for your e-mail!

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

Wescot have sent me a budget-form again now.

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

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

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

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

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

Kind regards

Hannah

Correspondence Advisor

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

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

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

———- Forwarded message ———-

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

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email: offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about them not receiving your letters.

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

Can you advise me what information you sent to Capital One for them to reject your signature? If your signature hasn’t changed, I would advise you to contact Capital One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

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

I hope this has been helpful.

If you have any further queries, please contact us on 0845 272 5400, lines are open 8am to 6pm, Monday to Friday, you can email us at client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

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

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

· Client reference number

· Postal address

· Postcode

· Telephone number

· Email address

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

Thank you

The Correspondence Team

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P Please consider the environment before printing this e-mail.

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

· Client reference number

· Postal address

· Postcode

· Telephone number

· Email address

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

Thank you

The Correspondence Team

—–Original Message—–

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

Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

Follow us on Twitter
http://twitter.com/moneyaware

Like us on Facebook
http://www.facebook.com/moneyaware

Read the MoneyAware blog
http://moneyaware.co.uk/

P Please consider the environment before printing this e-mail.

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
———————————————————————
This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT http://www.cccs.co.uk

———————————————————————
This email message is intended for the individual to whom it’s addressed and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient) please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services Ltd.

VISIT OUR WEBSITE AT http://www.cccs.co.uk
———————————————————————

This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

13. oktober 2012
Jeg sendte en ny e-post til CCCS

Gmail – Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog
<eribsskog@gmail.com>

Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Fri, Oct 12, 2012 at 4:12 PM

To:
Correspondence Queries <client@cccs.co.uk>

Cc:
offers <offers@wescot.co.uk>

Hi,

thank you for your e-mail!
I’m not paying token-payments at the moment.

Wescot have sent me a budget-form again now.

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

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

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

But they haven’t sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

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

Kind regards

Hannah

Correspondence Advisor

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

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

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

———- Forwarded message ———-

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

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email: offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about them not receiving your letters.

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

Can you advise me what information you sent to Capital One for them to reject your signature? If your signature hasn’t changed, I would advise you to contact Capital One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

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

I hope this has been helpful.

If you have any further queries, please contact us on 0845 272 5400, lines are open 8am to 6pm, Monday to Friday, you can email us at client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

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

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

· Client reference number

· Postal address

· Postcode

· Telephone number

· Email address

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

Thank you

The Correspondence Team

Follow us on Twitter

http://twitter.com/moneyaware

Like us on Facebook

http://www.facebook.com/moneyaware

Read the MoneyAware blog

http://moneyaware.co.uk

P Please consider the environment before printing this e-mail.

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

· Client reference number

· Postal address

· Postcode

· Telephone number

· Email address

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

Thank you

The Correspondence Team

—–Original Message—–

span>

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

Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

Follow us on Twitter
http://twitter.com/moneyaware

Like us on Facebook
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Read the MoneyAware blog
http://moneyaware.co.uk/

P Please consider the environment before printing this e-mail.

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
———————————————————————
This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT http://www.cccs.co.uk

———————————————————————
This email message is intended for the individual to whom it’s addressed and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient) please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services Ltd.

VISIT OUR WEBSITE AT http://www.cccs.co.uk
———————————————————————

This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

12. oktober 2012
Jeg sendte en ny e-post om budsjett

Gmail – Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog
<eribsskog@gmail.com>

Update/Fwd: *****7867/Fwd: CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Oct 8, 2012 at 1:14 AM

To:
offers@wescot.co.uk

Cc:
contactus@cccs.co.uk

Hi,

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

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

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

(Which I’ve done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik Ribsskog

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

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

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the

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

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will

show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about

them not receiving your letters.

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

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

One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?

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

I hope this has been helpful.

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

client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

From: Erik

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address

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

Thank you

The Correspondence Team

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

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

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

this may delay your reply.

Thank you

The Correspondence Team

—–Original Message—–

From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS

Hi,

I’m refering to your Final Notice-letter from 17/9, which I recieved today.

You there write: ‘but we have not received a replyto our previous correspondence’.

But this isn’t right, I’ve earlier written to you e-mails a lot of times offering a token-payment.

Is this the Candid Camera?

Your partner Capital One also did a practical joke like this, when they told me my signature wasn’t mine last year.

Please stop with the monkey-business, and be serious.

I hope the CCCS can stop your funny bailiff-actions and lies.

Erik ****

———- Forwarded message ———-
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>

Good afternoon

Thank you for your email.

There isn’t anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.

Regardless of whether they accept the offer or not please continue to make the token payment.

Kind regards

Jonathan

Follow us on Twitter
http://twitter.com/moneyaware

Like us on Facebook
http://www.facebook.com/moneyaware

Read the MoneyAware blog
http://moneyaware.co.uk/

P Please consider the environment before printing this e-mail.

________________________________

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).

Hi,

I’ve told Wescot I’m unemployed and have offered them a £1 monthly token-payment untill I find new employment.

(Like I’ve offered my other creditors).

Wescot don’t accept but wants me to fill out an income and expenditure-form.

I can’t remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.

It’s like they go a bit to close, and this seems unecessary, to me.

What do you think at CCCS about this?

Does the law say that I have to fill out a form like that?

I attach the letter from Wescot.

Yours sincerely,

Erik *******

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I got an income and expenditure-form, in the post, from you, earlier this week.

I don’t understand the point in me filling out that form.

I’ve already told you that I’m on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.

So this is my offer.

I don’t understand why you send me this form.

I think is unnessesary paper-work then.

None of my other creditors have sent me a form like that.

They have just accepted my token-payment-offer.

So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.

Hope this is alright!

Best regards,

Erik *********

———- Forwarded message ———-
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk

Hi,

I’m refering to your letter from 19/7, which I got in the post today.

I’m currently unemployed, and on a budget in co-operation, with CCCS.

My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.

Hope this is alright!

Yours sincerely,

Erik ********

VISIT OUR WEBSITE AT http://www.cccs.co.uk/
———————————————————————
This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630″

VISIT OUR WEBSITE AT

http://www.cccs.co.uk
———————————————————————This email message is intended for the individual to whom it’s addressed
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination

of this communication is strictly prohibited. If you have received this information

in error, please return it to us immediately and delete it from your computer.

The contents or opinions expressed within this email are not intended to

represent the views of CCCS unless specifically stated to be so.

This email is not guaranteed to be free from any computer viruses, although

it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.

Foundation for Credit Counselling, trading as Consumer Credit Counselling Service (“CCCS”).

Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England

Company No 2757055. Registered Charity No. 1016630″

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT

Please consider the environment before printing this email. Wescot, helping to make a difference

Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.

As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.

wescot.jpg
374K

PS.

Her er vedlegget:

8. oktober 2012
Mer om budsjett

8. oktober 2012