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Thursday, 15 November 2012

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Jeg sendte en ny e-post til Step Change






Gmail - Stepchange Debt Charity








Gmail



Erik Ribsskog
<eribsskog@gmail.com>










Stepchange Debt Charity










Erik Ribsskog

<eribsskog@gmail.com>




Thu, Nov 15, 2012 at 7:57 PM





To:
Q&A <contactus@stepchange.org>







Hi,

it says here that Stepchange means:

A step change is a sudden or major change in the way that something happens or the way that someone behaves.  



My debt was due to that I was underpaid in a job, and not due to that eg. wasted a lot of money.


So I think this new name is a bit descending.

If you tell people the have to change then you patronise them, I think.

You don't need to patronise people to give them advice about the laws on debt, I think.


So I wanted to complain about this new name.

You say I don't have to use Step Change, but I've been using CCCS for advice, for a few years now.

So it seems like a hostile act almost, to me, that you change your name, and just tell your clients to 'bug off' if they don't like the new name.


So I wanted to compain about this.

The new name sounds like you are a branch of the inner mission, (or something), I think.

Erik Ribsskog




On Thu, Nov 15, 2012 at 12:49 PM, Q&A <contactus@stepchange.org> wrote:




Good afternoon


Thanks for your recent e-mail.

We are an independent charity and our services and advice are entirely free of charge and therefore
it is down to you if you follow the advice or not.
Unlike fee-charging
debt management companies, our service is funded by creditors, not paid for by clients. This is made possible by the charitable contributions
that creditors make to us. As a result, our advice to those in need is genuinely free. It’s based on what’s best for them, not what’s profitable for us.


Thanks


Lauren


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

Sent: 14 November 2012 22:28

To: Q&A
Subject: Re: Stepchange Debt Charity


Hi,





well I don't like your new name.




It's like you patronise and moralise people and say they've done something wrong.





Isn't it also true that the credit card-companies pay for running your organisation?

It's a bit like they sit on more than one side of the table here, I think.





So I have doubts about your agenda and your so-called independency now.






(Since I've noticed these things).






Erik Ribsskog





On Wed, Nov 14, 2012 at 2:05 PM, Q&A <contactus@stepchange.org> wrote:



Good afternoon


Thank you for your recent email.

We want to raise awareness of our services and stand apart from every other brand that offers debt advice. With a more memorable
name, a clearer identity and a stronger presence than ever before, we will not just reinforce our position as the leading debt charity, but we will also become the organisation that people turn to first when looking for

debt help
. I hope this answers your question regarding our name change.

If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800 197 1704. We’re open Monday to
Friday 8am to 8pm.
Thanks


Lauren




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

Sent: 13 November 2012 17:45



To: Q&A
Subject: Re: Stepchange Debt Charity





Hi,





I don't like the name Step Change.




It's like you patronise and say I've done something wrong I think.





Isn't that what your new name means?






Erik Ribsskog





On Tue, Nov 13, 2012 at 1:45 PM, Q&A <contactus@stepchange.org> wrote:



Good afternoon


Thanks for your recent email.


We have recently changed our name from CCCS to Step Change Debt Charity which is why you may be confused
by our reply to your email.

If you have any other questions you can reply to this e-mail, chat to us online or call us on 0800
197 1704. We’re open Monday to Friday 8am to 8pm.


Thanks



Lauren


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

Sent: 12 November 2012 18:41
To: Q&A
Subject: Re: Stepchange Debt Charity



Hi,





I haven't had anything to do with Stepchange earlier to be honest.




Where did you find my e-mail?

Erik Ribsskog








On Mon, Nov 12, 2012 at 5:59 PM, Q&A <contactus@stepchange.org> wrote:







Good afternoon


Thank you for your email.


Could you confirm your web/client reference ?


Please confirm your full name, first line of address and post code for data protection.


Thanks



Donna


Hi,





I've sent you an e-mail about this on 8/11.






Best regards,




Erik Ribsskog





PS.










Here is more about this:

Erik Ribsskog


<eribsskog@gmail.com>




Thu, Nov 8, 2012 at 10:49 PM

To:
contact@dmpay.co.uk

Cc:
Contact-Us <Contact-Us@jobcentreplus.gsi.gov.uk>, CONTACT-US <CONTACT-US@dwp.gsi.gov.uk>










Hi,




I'm refering to your letter from 5/11, which I attach.






The Jobcentre haven't sent me my five latest Jobseekers Allowance-payments, for no good reason.




I do my Jobseeking like the Jobcentre have previously told me they want me to do it, every week.






I have not been informed by the Jobcentre when they are going to start sending me my Jobseekers Allowance again.



And I no money for cutting my hair, or taking the train to job-interviews eighter.




So maybe Barclays can give me a loan, untill someone have cleaned the problems at the Jobcentre up?





I also have an insurance-case against Barclays, since where I used to live, in Leather Lane, in Liverpool, (untill August last year), I was thrown out, after I wasn't sent a letter, for a court-hearing, so most of
my stuff was kept by the landlord, after the Police broke in to my flat.




But I don't have money to buy stamps, so I haven't gotten to send about this to Barclays insurance-department.



But you are perhaps a department of Barclays?





Then perhaps you could send about this to Barclays Bank, (the loan-application), and Barclays Insurance, (about the problems in Leather Lane, with the Landlord there).




I'll pay the bill as soon as I get some money.





Sorry about the problems with this!

Yours sincerely,



Erik Ribsskog


















november.jpg

114K













Mon, Nov 12, 2012 at 8:06 AM, Sam N Parcs <
sam.n.parcs@debt-managers.co.uk> wrote: - Barclays Bank - BVDM1R

Dear Mr Erik Ribsskog

Despite acknowledgement of liability for this account, the repayment agreement remains in arrears.

You have failed to respond to the default notice that was issued to you recently, therefore we give notice that legal proceedings to recover this debt, together with solicitors fees and costs, may be instigated.

Legal proceedings would result in significant additional costs being incurred that will increase your indebtedness and may seriously impede your ability to obtain credit in the future.

To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at

dmpay.co.uk using your reference number and unique password 676P962.
Sam N Parcs
Supervisor

Sam.n.parcs@debt-managers.co.uk

The cost of calls may vary depending on your network provider - please check with your provider for confirmation. Calls may be monitored & recorded for training & audit purposes.
OPENING TIMES
Monday - Thursday 8 am - 8 pm
Friday 8 am - 7pm
Saturday 8 am - 4pm




views or opinions are solely those of the author and do not necessarily represent those of the Company


The information
transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and
confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.
Debt Managers
Ltd.  Registered in Scotland (registered no. 219618).                                                                        

Registered Office:
12 Hope Street, Edinburgh, EH2 4DB








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us on Facebook

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P

Please consider the environment before printing this e-mail.
This message may contain confidential information and is intended for the addressee only.If you have received this information in error, please return it to us and delete it from
your computer.
Although StepChange Debt Charity operates anti-virus programmes, it does not accept
responsibility for any damage whatsoever that is caused by viruses being passed.
As emails are not a secure method of communication, StepChange Debt Charity does not
accept legal responsibility for the contents of this message.
Foundation for Credit Counselling, trading as StepChange Debt Charity,
Wade House, Merrion Centre, Leeds LS2 8NG. Company No. 2757055, Charity No. 1016630.









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Mer om budsjett






Gmail - Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A








Gmail



Erik Ribsskog
<eribsskog@gmail.com>










Wescot response RE: Mrs. N. Farrow. Your ref: 49597867/S82A










Erik Ribsskog

<eribsskog@gmail.com>




Thu, Nov 15, 2012 at 7:30 PM





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


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







Hi,

I think telling me my signature isn't mine is an insult, and that you should compensate by deleting my debt.

You can't expect peoples signatures to always look exactly the same.


Surely a company like Capital One/Wescot should consult a handwriting-expert before you go on claiming lies like this.

And then, months later, Wescot want's me to make a new budget, after Captial One last year stalled the process, with their lies, (I think I have to call it, since it was my signature).


And Wescot are also lieing telling me I don't reply to your correspondence, (in a letter), even if I've replied to all your letters and e-mails.

I think your routines should be looked at.


Perhaps you could escalate this to your line-manager?

Erik Ribsskog


On Thu, Nov 15, 2012 at 12:04 PM, Contact Us <contactus@wescot.co.uk> wrote:




15 November 2012


Dear Mr Ribsskog


Further to your recent email.


I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation or resolution as quickly as possible.

Our client confirmed the signature you provided when you requested your new address to be updated on their records did not match the signature on the account. According to our client, they
did not inform you the balance is not outstanding. They have confirmed  the account will not be deleted and advised you should set repayment arrangement with ourselves. Please complete the attached form.

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



Yours sincerely



Funmi Olugbenga-Dada

Account Controller




Description: untitled




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

Sent: Monday, November 12, 2012 10:39 PM
To: Contact Us
Cc: Q&A
Subject: To: Mrs. N. Farrow. Your ref: 49597867/S82A


Hi,



I'm refering to your letter from 8/11, which I recieved today, (and attach a scanned copy of).





It wasn't like you write in the letter.




I contacted Capital One and asked if I could pay them a token-payment of £1 a month.



This was about a year ago now.



Capital One said the signature in my letter wasn't mine.



And after this I've had tens of letters and tens of e-mails, from you at Wescot and Capital One.





So that's why I wanted the debt deleted.




Since this case wastes a lot of my time.





(And Wescot have also told me in a letter, that I don't reply to your correspondence.




Which isn't true, I've replied to all your e-mails and letters.





And I've gone to business-school, and I think letters shouldn't contain lies.




Even if they are standard letters).





Perhaps you could contact Capital One again and ask them if they now accept my token-payment offer of £1 a month, from about a year ago?






Thanks in advance for any help!

Best regards,



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.











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Policy for kommentarer


Anonyme kommentarer, blir slettet, (etter en del problemer, med nettmobbing osv.).

Hvis du har et vanlig navn, så skriv gjerne noe, som skiller deg, fra andre, med samme navn, (sånn at det er klart, hvem som skriver).

Kommentarer som inneholder trakassering, (og som ikke holder seg, til temaet, i blogg-posten), blir bare slettet, (og ikke publisert).

Mvh.

Erik Ribsskog

PS.

For å eventuelt legge inn kommentar, så trykk på linken, til blogg-posten, (så kommer det opp et felt, hvor man kan kommentere).

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