The Financial Ombudsman har en Service Review Manager, og jeg sendte klagen min dit, på at de kontakter folk for tidlig, på søndagene, om bankklager

Erik Ribsskog <eribsskog@gmail.com>

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Complaint/Fwd: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail

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Erik Ribsskog <eribsskog@gmail.com>	Fri, Jul 24, 2009 at 7:59 PM
To: srmanager@financial-ombudsman.org.uk
Hi, the Financial Ombudsman is sending me e-mails, at 7. o'clock, on Sunday morning! I think this is rude and inpolite and an invasion of my privacy. I've tried to contact your operations manager, and ask for an explanation, about how this behaviour from the Financial Ombudsman, can happen, but she have refused to explain. I know that 7. o'clock, on a Sunday morning, is the last time of the week, that I want to deal with bank-complaints. How can this happen? And why are you treating your staff like this, why don't you let them have rest-days? Regards, Erik Ribsskog ---------- Forwarded message ---------- From: Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> Date: Fri, Jul 24, 2009 at 10:42 AM Subject: RE: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail To: Erik Ribsskog <eribsskog@gmail.com> Dear Mr Ribsskog I believe I have answered all of your questions in my previous email, and I am not prepared to enter into any further discussions regarding this matter. Please feel free to email me however, if you have any queries regarding your complaint. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 23 July 2009 22:23 To: Collins, Jackie Subject: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail Hi, I can't see that I've received an answer to this e-mail yet, so I'm trying to send it again. Best Regards, Erik Ribsskog ---------- Forwarded message ---------- From: Erik Ribsskog <eribsskog@gmail.com> Date: Wed, Jul 1, 2009 at 2:18 PM Subject: Re: Complaint against RBS/Fwd: Earlier e-mail To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk> Hi, I think I have the right to know this, when your representatives send me e-mails at seven o'clock, on a Sunday morning. I think you should send your business e-mails within the business-hours, and I'm conserned about how you treat your staff, and I've contacted Acas about this. If you do not expect your staff to work 12-14 hours a week, seven days a week, then why are the working on a Sunday morning at six o'clock. People are going to think that your representatives are some kind of slaves, if they have to work at the time of the week, when the other people in England, are on their way back from the pub. If people get e-mails at this hour, they are going to start writing answers while they are still drunk. This sounds insane to me, to have people working, at six o'clock, on a Sunday morning, answering e-mails that they could have answered on a Monday. You have to pay them overtime, for work they just as well could have done on a week-day. Your institution is extreamly poorly managed, and you are wasting the tax- payers money, with all the unessesary over-time. I think there is a law in this country saying that Government should have openness, so I think you should explain what the reason for your very strange and akward working-hours are. Sincerely, Erik Ribsskog On Wed, Jul 1, 2009 at 9:34 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your email. You will excuse me for not going into the finer details of our staffing working hours and holiday allowance. I will however, reassure you we certainly do not expect or allow our staff to work 12 to 14 hours a day 7 days a week. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 30 June 2009 16:31 To: Collins, Jackie Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, Monday to Friday, 8 am to 6 pm, is alright, I think. But you also let your staff work Sunday mornings, at 6 am. It seems to me that you overload your representatives with work, and that they have to work 12 to 14 hours 7 days a week. I thought slavery was forbidden in our time. Why do you let your representatives work every Sunday morning, when other people in England are on their way home from the pub? Do your staff get summer-holiday at all? Sincerely, Erik Ribsskog On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog We always try to provide the best service we can to our customers, and sometimes that means offering our staff the option of working overtime during very busy periods. Please be assured that they have to work within strict time guidelines, and these are always checked by Operations Managers to ensure they are not working too many hours. The service our department offers is outside of the usual office hours of 9am till 5pm because we have found that a lot of our customers have difficulties contacting us whilst they are at work themselves during the 9am to 5pm times, so we have opening hours of 8am - 6pm, as do many firms these days. I hope this explains. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 29 June 2009 19:32 To: Collins, Jackie Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Ok, that sound very fine! But, why is that you let your representatives work over-time every Sunday then? Shouldn't you as a main rule conduct your business, within the business hours? Yours sincerely, Erik Ribsskog On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Rosemary Cox has passed your complaint to me to take over as you have requested that she no longer deals with your case. I can confirmed that a letter has been sent to the firm, and we have asked that they issue you with a final response letter within 14 days. We have also asked them to copy us in on that response. If you remain unhappy with the firms response, or you have not received a response from them within 14 days, please let me know and I will arrange for your complaint to be moved forward for investigation by an Adjudicator. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 11:17 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, I don't think it's any use with me repeating myself. I don't think you should handle my complaint. The reason is, that if you are to overworked, you get to tired. And in dealing with complaints like these, one obviously needs ones judgement, to be like it should be. If one are out of balance, like I think you could be, then I don't think this is good for how the complaint is being dealt with. So please do as I ask Mrs .Cox, and tell your manager what I said, that I want someone else to deal with my complaint, due to that I think that you must be overworked. Haven't you seen how fine the weather is today, you should have a day off in the fine weather, I think. Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mails As previously advised I am not going to debate with you the working hours of this office. I have written to you today to advise the steps we are taking with your complaint. If the firm fail to resolve the situation for you, your complaint will be passed onto our adjudication area for further consideration of the concerns you have raised. I should add that we do not tolerate rude or insulting language at this office, and would expect any further communication to be sent in a more acceptable manner. Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 10:43 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, of course you can work on Sundays if you want. But business e-mails should just be sent within the business-hours. Or else, what's going to happen, is obvious. Someone are going to come drunk home from town, and answer the business-e-mails when they are drunk, which is what has happened today, with our correspondence. If this is something, you didn't know from before, then I think this Financial Ombudsman-stuff is just a load of crap really. Try to use the head that God gave you when you were born! Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail I must admit to being surprised and confused with the content of the e-mail. We are an extremely busy department and we often work at the weekends, this is obviously of help to consumers as we are able to deal with their complaints in a more timely manner. I would suggest that It is entirely up to each individual business to determine which hours their staff will work and I do not intend debating this with you. By working this weekend I have been able to deal with your complaint, which as you can appreciate is of a benefit to you. Perhaps you can clarify the spelling mistakes you are referring to? Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 10:20 Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi again, don't you think it's strange for an institutions like yours to send e-mails on Sunday mornings then? Shouldn't e-mails be sent within normal business hours then you think? This is what it says on Wikipedia: In the United States and United Kingdom, the hours between 9 am and 5 pm are typically considered to be standard business hours http://en.wikipedia.org/wiki/Business_hours I think this is rather akward, as I also think your spelling-mistakes are. Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail That's no problem, however I should point out that we are not a government department, we are a independent complaints body. I will be in touch with your again in the next few days Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 08:02 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, ok that's very fine, I'm just home from town you see. I thought it was a bit strange, since noone in Government in Norway, work on Sundays. Sorry about this, I forget sometimes that I'm not in Norway any longer. Sorry about this! Yours sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail I can assure you this is not a joke, I am currently in the office working today. I presume that you would like us to deal with your complaint, so am responding to your e-mails today Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 07:36 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, why do send the e-mails early on a Sunday morning, by the way. Is this some kind of joke? Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mails I will contact you again once I have considered the information. Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 27 June 2009 14:59 To: Cox, Rosemary Subject: Complaint against RBS/Fwd: Earlier e-mail Hi, thank you for you e-mail, that I recieved today. I'll contact your collegue back, regarding the Barclays-complaint. I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but she also harassed me, like this, she writes 'Dear Ms Ribsskog', even if my name is Erik, and in Britain, you have a movie called 'Erik the Viking', and Eric is also a quite usual name, in English-speaking countries. So I think Yvonne Williams, the complaint-investigator, also bullied me. I think this must have been a deliberate mistake. This ended with the complaint being partly resolved, in the way that RBS, gave me the bonus of £100, for moving my account to them, from Barclays, (who I also had problems with, that I'll exlain about to your collegue, like I mentioned earlier). I'll also find the actual complaint against RBS Dale St. now, and forward it to you. What I meant with the complaint-form, was that it didn't look anything at all like the ones you've sent me now. Maybe the complaint-form I was sent, was to do with other financial institutions, than banks? Like share-fonds etc? Have you also got other complaint-forms, other than to banks, perhaps someone sent me the wrong form intentionally? Just a thought I had. But anyway, thank you very much for your e-mail, and I'll also find the actual RBS Dale St. complaint, and e-mail it to you now. Yours sincerely, Erik Ribsskog ---------- Forwarded message ---------- From: Williams, Yvonne (CRU) <Yvonne.Williams@rbs.co.uk> Date: Tue, Jun 26, 2007 at 4:30 PM Subject: RE: Earlier e-mail To: Erik Ribsskog <eribsskog@gmail.com> Dear Ms Ribsskog Could you please arrange another copy of your email to be sent to me for my investigation Regards Yvonne Williams From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 19 June 2007 14:04 To: Williams, Yvonne (CRU) Subject: Earlier e-mail *** WARNING : This message originates from the Internet *** Hi, I'm refering to the e-mail I sent you on 5/6. I was just wondering if you have recieved this e-mail, because I cant see that I have recieved any answer to it yet. Please just contact me if you want me to send you the e-mail again. Yours sincerely, Erik Ribsskog The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB Authorised and regulated by the Financial Services Authority. This e-mail message is confidential and for use by the addressee only. If the message is received by anyone other than the addressee, please return the message to the sender by replying to it and then delete the message from your computer. Internet e-mails are not necessarily secure. The Royal Bank of Scotland plc does not accept responsibility for changes made to this message after it was sent. Whilst all reasonable care has been taken to avoid the transmission of viruses, it is the responsibility of the recipient to ensure that the onward transmission, opening or use of this message and any attachments will not adversely affect its systems or data. No responsibility is accepted by The Royal Bank of Scotland plc in this regard and the recipient should carry out such virus and other checks as it considers appropriate. This e-mail and any attachments are confidential and may be subject to legal privilege. 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We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. 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The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. 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Registered as a limited company in England and Wales No. 3725015. Registered office as above.

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Jeg sendte en purring til EFTA, siden jeg synes at de nok tulla en del, da de henviste meg til Solvit og ikke til EU-kommisjonen. (In Norwegian)

Erik Ribsskog <eribsskog@gmail.com>

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Purring/Fwd: Klage på EFTA (Linda Bjørk Sigurdardottir fra Island)

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Erik Ribsskog <eribsskog@gmail.com>	Fri, Jul 24, 2009 at 7:42 PM
To: mail.gva@efta.int
Hei, jeg kan ikke se at jeg har mottatt noe svar på denne e-posten, derfor sender jeg denne purringen. Mvh. Erik Ribsskog ---------- Forwarded message ---------- From: Erik Ribsskog <eribsskog@gmail.com> Date: 2009/5/29 Subject: Klage på EFTA (Linda Bjørk Sigurdardottir fra Island) To: mail.gva@efta.int Hei, jeg kontaktet EFTA, for å få vite hvordan man formelt klagde på brudd på EØS- avtalten. Og da sender jeg en e-post på norsk. Og jeg får et svar på engelsk fra Sigurdardottir. Men hun sender meg til Solvit Norway, men, det er EU-kommisjonen det, som man skal kontakte da, hvis man ønsker å klage, som jeg ville, formelt, på brudd på EØS- avtalen. Jeg googlet forresten hun Sigurdardottir, og hun skriver navnet sitt i upper-case, og hun så litt ut som sånne djeveldyrkere/kabalister, på Facebook, som jeg har i familien, som tuller med meg, sånn at jeg måtte flytte til England. Illuminati/djeveldyrkere osv., er det jeg tenker på. Så jeg lurer på om dere kan undersøke om det var noe fusk inne i bildet, fra nevnte Sigurdardottir, når hun sendte meg til Solvit Norway, og ikke til EU-kommisjonen. Og hvorfor fikk jeg ikke svar fra dere på norsk, når jeg skrev på norsk, sånn har vel EU det f.eks. at hvis man skriver på et av medlemslandenes (Norges) språk, så får man svar på sitt eget språk (norsk). Med vennlig hilsen Erik Ribsskog

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Mer om problemene i Hakon-gruppen mm. (In Norwegian)

Erik Ribsskog sa, få sekunder siden:
RE: Hvem skal kjøpe hester til de kongelige nå?
Hei,

men når Hakon-gruppen var sånn, at når jeg ringte om parkeringsplasser i kjelleren, så sa hu dama, at Stein Erik hadde lovet to parkeringsplasser, til to gutter.

Da var Hakon-gruppen mer som en familiebedrift, enn som et konsern.

Rimi var nok bygget opp på streng kontroll, av mange medarbeidere.

Så at Stein Erik Hagen er noe mafia, det tørr jeg nesten å si.

Og jeg er ikke i tvil om at det har blitt brukt mafia-metoder, for å kvitte seg med uønskede personer, i Rimi.

Se på meg, som sitter i Storbritannia og ikke kan dra tilbake til Norge, for der blir jeg forfulgt.

Johannes Hagen, mener jeg det var, sa, da han mistet jobben i Rimi, at han ikke turte å si hva han mente, for han var redd for Rimi-Hagen, siden han hadde noen form for ris bak speilet da, kunne man forstå, som han kunne bruke mot Johannes Hagen, også etter at Johannes Hagen sluttet i Rimi, kunne man forstå av avisartikkelen.

Skal jeg se om jeg finner den på Google:

- Hagen har råd til å sette en advokat på meg i 70 år. Jeg tør ikke si noe. Jeg har ingenting å stille opp med dersom han bestemmer seg for å ta meg, sier en tidligere sentral medarbeider.

http://www.vg.no/nyheter/innenriks/artikkel.php?artid=9291184

Ja, det var snakk om advokat ja.

Jeg synes vel at det var litt rart, at de skulle være så redd for en advokat.

Det er jo noe som heter å 'whistle-blowe', ihvertfall i utlandet, hvis noe er galt noe sted.

Men det var kanskje ikke dette, som det var snakk om der.

Jeg er klar over det, at Rimi-Hagen har solgt Rimi.

Han solgte Rimi til ICA, men også til Ahold i Nederland vel.

Det er vel dette som Hagen for det meste har gjort, at han har kjøpt opp norske bedrifter, og solgt de til utlandet.

Han solgte Rimi til Sverige og Nederland.

Han solgte avisene i Orkla, til en engelskmann.

Og han solgte kjøpesenterne i Steen og Strøm-gruppen, til Frankrike.

Så nå havner jo alt overskudd, i utlandet nå.

Så at Rimi-Hagen skal ha vært så bra for Norge, det er ikke jeg helt sikker på men.

Men du kan kanskje hjelpe med å forklare dette bedre?

Mvh.

Erik Ribsskog

http://www.dagbladet.no/2009/07/23/nyheter/fremskrittspartiet/innenriks/politikk/stein_erik_hagen/7331193/#comments_container

EU-kommisjonen hadde visst kontor i Norge. Det var jeg ikke klar over. (In Norwegian)

Erik Ribsskog <eribsskog@gmail.com>

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Videre formidling af klage på brud på EØS-aftalen

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eu-dk@ec.europa.eu <eu-dk@ec.europa.eu>	Fri, Jul 24, 2009 at 1:38 PM
To: eribsskog@gmail.com
Kære Erik Ribsskog, Europa-Kommissionens Repræsentation I Danmark har modtaget vedhæftede mail den 23. juli 2009. Vi har d.d. videreformidlet skrivelsen til Europakommisjonens delegasjon til Norge og Island, Klingenberggaten 7A, 0119 Oslo. Tel: +47 22 83 35 83. Fax: +47 22 83 40 55. europakommisjonen@ec.europa.eu Med venlig hilsen Anette Pedersen Europa-Kommissionen Repræsentation i Danmark Gothersgade 115,1123 København K T: 33 14 41 40 M: anette.pedersen@ec.europa.eu www.ec.europa.eu/danmark ---------- Forwarded message ---------- From: <eribsskog@gmail.com> To: <eu-dk@ec.europa.eu> Date: Thu, 23 Jul 2009 22:09:02 +0200 Subject: Klage på brudd på EØS-avtalen fra EU/Fwd: Brudd på EØS-avtalen/Fwd: Klage på vedtak med referanse 200803597-18/JOR Hei, jeg vil altså klage på brudd på EØS-avtalen, fra EU. Solvit sier at da må jeg kontakte EU-kommisjonen. Derfor kontakter jeg dere på e-post igjen nå. Hvordan skal jeg gå fram, for å praktisk klage på EU for brudd på EØS-avtalen? Med vennlig hilsen Erik Ribsskog ---------- Forwarded message ---------- From: Erik Ribsskog <eribsskog@gmail.com> Date: 2009/5/28 Subject: Brudd på EØS-avtalen/Fwd: Klage på vedtak med referanse 200803597-18/JOR To: eu-dk@ec.europa.eu Hei, jeg fikk e-post fra Solvit Norway, idag, hvor de sier at det er EU-kommisjonen, som man må kontakte for å klage formelt på brudd på EØS-avtalen: 'Solvit Norway <Solvit.norway@nhd.dep.no> toErik Ribsskog <eribsskog@gmail.com> dateThu, May 28, 2009 at 7:46 AM subjectSV: Henvendelse om brudd på EØS-avtalen mailed-bynhd.dep.no hide details 7:46 AM (8 hours ago) Reply Hei igjen, EFTAs overvåkingsorgan kontrollerer at EFTA-EØS-statene, altså Norge, Island og Lichtenstein, overholder EØS-avtalen. Når det gjelder EU-statenes brudd på EØS-avtalen er det Kommisjonen som fører tilsyn med dette. Nærings- og handelsdepartementet er ansvarlig for drift av SOLVIT-systemet i Norge. Vennlig hilsen Jostein Røynesdal SOLVIT Norway Nærings- og handelsdepartementet Besøk oss på www.nhd.no Fra: Erik Ribsskog [mailto:eribsskog@gmail.com] Sendt: 27. mai 2009 17:15 Til: Solvit Norway Emne: Re: Henvendelse om brudd på EØS-avtalen Hei, men skal jeg sende det til EU da, jeg er jo fra et EFTA-land? Vennligst forklar. Og hvorfor svarer ikke Nærings- og handelsdepartementet? Igjen på forhånd takk for forklaring. Med vennlig hilsen Erik Ribsskog 2009/5/27 Solvit Norway <Solvit.norway@nhd.dep.no> Det vises til henvendelser per e-post 5. og 26. mai om mulig brudd på EØS-avtalen. Dersom du mener at britiske myndigheter har brutt EØS-avtalen, kan du sende en henvendelse til EU-kommisjonen. Vennlig hilsen Jostein Røynesdal SOLVIT Norway Nærings- og handelsdepartementet Besøk oss på www.nhd.no ---------------------------------------------------------------------------------------------------------------------------------------------- Denne e-posten er beregnet for den institusjon eller person den er rettet til og kan være belagt med lovbestemt taushetsplikt. Dersom e-posten er feilsendt, vennligst slett den og kontakt Nærings- og handelsdepartementet. This email is confidential and may also be privileged. If you are not the intended recipient please notify the Ministry of Trade and Industry, Norway, immediately.'. Så lurer jeg, hvis jeg ønsker å klage på brudd på EØS-avtalen, fra Storbritannia, (se videresendt e-post. Det er også en klage til, og det er at politiet i Storbritannia, ikke ville hjelpe meg, da jeg ble jaget fra Norge, i 2005, (av noen organiserte kriminelle/mafia etc., enda jeg ikke er kriminell selv), og dro til Liverpool. Jeg lurte på hvem jeg skal kontakte i EU-kommisjonen, angående dette. Jeg tenkte jeg kunne sende dette til EU-kommunisjonen i Danmark, siden det danske og norske skriftspråket er ganske likt, og min mormor er også fra Danmark så, Ingeborg Ribsskog. Håper dette er i orden! Med vennlig hilsen Erik Ribsskog ---------- Forwarded message ---------- From: Erik Ribsskog <eribsskog@gmail.com> Date: 2009/1/21 Subject: Klage på vedtak med referanse 200803597-18/JOR To: postmottak@nhd.dep.no Hei, jeg mottok et brev fra dere igår, hvor jeg syntes det manglet litt på fornuften, hvis jeg skal være litt ærlig. Jeg skal prøve å forklare hva jeg mener. Dere skriver: 'Det er ikke godgjort i tidligere korrespondanse med SOLVIT at det foreligger brudd på en konkret rettighet etter EØS-avtalen i skaen. Derfor er det ikke grunnlag for eller mulig å opprette en SOLVIT-sak mot britiske myndigheter'. Men da måtte vel Solvit ha bedt om dokumentasjon, så skulle jeg ha gitt det. Solvit ba ikke om dokumentasjon, de ville bare ha en forklaring. Og Solvit Norway tok kontakt med Solvit UK. Så bestemte Solvit Norway seg for å ikke opprette en sak. Solvit Norway burde ha bedt om mer dokumentasjon da. Det som har skjedd, er at Solvit Norway oppfører seg som en underavdeling av Solvit UK. De bare gjør som britene sier, og dere hos Handels og Næringsdepartementet, dere fremstiller det som at det ikke er godtgjort, at det har forekommet brudd på EØS-avtalen. Men hvorfor tok Solvit Norway kontakt med Solvit UK da? Solvit Norway var jo fornøyde de. Hva skal jeg gjøre nå? Skal jeg kontakte Solvit Norway på nytt? Jeg synes dette minner om knefall for britene. Dette er bare tull og tøys og surr fra dere i Handels- og Næringsdepartementet. Dere kan ikke si at det manglet grunnlag for å opprette en sak, når Solvit Norway ringte Solvit UK, for å opprette en sak. Det var Solvit UK som bestemte at det ikke var grunnlag for å opprette en sak. Jeg klager til dere på at Solvit Norway lar britene få bestemme dette, hva som er grunnlag for å opprette en sak, eller ikke. Det burde ikke være sånn, at Solvit Norway sier til meg, at de skal undersøke det. Så ringer de britene, også sier de at det ikke har skjedd noe galt. Nei, det burde være sånn, at Solvit Norway, bestemmer seg for å opprette en sak. Og så oppretter de en sak. Det burde ikke være sånn at de ombestemmer seg, etter å ha pratet med britene, som om britene hos Solvit UK, var sjefene til han hos Solvit Norway. Handels- og Næringsdepartementet sorterer vel ikke under den britiske regjeringen? Det kan virke sånn i denne saken. Jeg mener at jeg kan godtgjøre regelbrudd, men jeg har fått sjangsen til dette. For saken ble avsluttet, før det kom til snakk om noe dokumentasjon. Jeg vil at dere: 1. Undersøker hva som skjedde, da Solvit UK overprøvde Solvit Norways bestemmelse om å opprette en Solvit-sak. 2. Forteller meg hvordan jeg skal gå frem, for å opprette Solvit-saker av problemene jeg kan dokumentere: - Britisk politi nekter å la meg anmelde en arbeidssak mot Bertelsmann Arvato, enda jeg har dokumentasjon på at det har foregått lovbrudd der. - IPCC, de svarer ikke på e-poster og telefoner, de lar meg ikke få behandlet min klage på Merseyside-politiet. - The Home Office, de nekter meg å få levere en klage på at IPCC ikke svarer på e-poster og heller ikke returner telefoner, enda IPCC sorterer under the Home Office administrativt. Jeg mener at jeg som EØS-borger, har rett til å anmelde klare lovbrudd, som jeg har bevis for. Og jeg har også rett til å anmelde politiet til IPCC, og få den klagen behandlet på en ordentlig måte. Og jeg har også de samme rettigheter som EU-borgere, til å få en klage på IPCC ikke administreres ordentlig, behandlet av the Home Office, så lenge jeg oppholder meg i Storbritannia, i overenstemmelse med EØS-avtalen. Så her er det klare brudd på EØS-avtalen, mener jeg. Jeg har også blitt latterliggjort av britisk politi, som kaller meg 'Miss Erik Ribsskog', og som kaller bevis jeg ga dem mot Bertelsmann Arvato, 'found property', enda jeg leverte det over skranken til en konstabel Steele, hos Merseyside-politiet. Så det er tydelig at respekten for EØS-borgere, hos britisk politi, den er på et lavmål. Her blir man bare tullet rundt med, siden man ikke er britisk eller EU-borger. Og EFTA bare henviser meg til Solvit. Og Solvit, de bare bøyer seg for britene. Så det er tydelig at norske myndigheter underordner seg britene, og lar sine borgere bli hersjet med her borte. Så den EØS-avtalen er ikke verdt papiret den er skrevet på. Det er bare noe lureri hele greiene. Det er ingen kompetente organer som passer på at den overholdt uansett. Så at Norge skal betale milliarder til EU hvert år, som motstykke mot å få den avtalen, det skjønner ikke jeg. Det må bare være for firmaer at den avtalen gjelder. Vanlige norske borgere er ihvertfall fritt vilt i praksis, i EU, og blir tullet rundt med, uten at noen i Norge reagerer. Så det synes jeg er en skam. Med hilsen Erik Ribsskog

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The Financial Ombudsman vil ikke svare, på hvorfor deres ansatte må jobbe på søndagsmorgenene. Her er det nok noe muffens. (In Norwegian)

Erik Ribsskog <eribsskog@gmail.com>

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Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail

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Collins, Jackie <jackie.collins@financial-ombudsman.org.uk>	Fri, Jul 24, 2009 at 10:42 AM
To: Erik Ribsskog <eribsskog@gmail.com>
Dear Mr Ribsskog I believe I have answered all of your questions in my previous email, and I am not prepared to enter into any further discussions regarding this matter. Please feel free to email me however, if you have any queries regarding your complaint. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 23 July 2009 22:23 To: Collins, Jackie Subject: Reminder/Fwd: Complaint against RBS/Fwd: Earlier e-mail Hi, I can't see that I've received an answer to this e-mail yet, so I'm trying to send it again. Best Regards, Erik Ribsskog ---------- Forwarded message ---------- From: Erik Ribsskog <eribsskog@gmail.com> Date: Wed, Jul 1, 2009 at 2:18 PM Subject: Re: Complaint against RBS/Fwd: Earlier e-mail To: "Collins, Jackie" <jackie.collins@financial-ombudsman.org.uk> Hi, I think I have the right to know this, when your representatives send me e-mails at seven o'clock, on a Sunday morning. I think you should send your business e-mails within the business-hours, and I'm conserned about how you treat your staff, and I've contacted Acas about this. If you do not expect your staff to work 12-14 hours a week, seven days a week, then why are the working on a Sunday morning at six o'clock. People are going to think that your representatives are some kind of slaves, if they have to work at the time of the week, when the other people in England, are on their way back from the pub. If people get e-mails at this hour, they are going to start writing answers while they are still drunk. This sounds insane to me, to have people working, at six o'clock, on a Sunday morning, answering e-mails that they could have answered on a Monday. You have to pay them overtime, for work they just as well could have done on a week-day. Your institution is extreamly poorly managed, and you are wasting the tax- payers money, with all the unessesary over-time. I think there is a law in this country saying that Government should have openness, so I think you should explain what the reason for your very strange and akward working-hours are. Sincerely, Erik Ribsskog On Wed, Jul 1, 2009 at 9:34 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your email. You will excuse me for not going into the finer details of our staffing working hours and holiday allowance. I will however, reassure you we certainly do not expect or allow our staff to work 12 to 14 hours a day 7 days a week. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 30 June 2009 16:31 To: Collins, Jackie Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, Monday to Friday, 8 am to 6 pm, is alright, I think. But you also let your staff work Sunday mornings, at 6 am. It seems to me that you overload your representatives with work, and that they have to work 12 to 14 hours 7 days a week. I thought slavery was forbidden in our time. Why do you let your representatives work every Sunday morning, when other people in England are on their way home from the pub? Do your staff get summer-holiday at all? Sincerely, Erik Ribsskog On Tue, Jun 30, 2009 at 9:54 AM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog We always try to provide the best service we can to our customers, and sometimes that means offering our staff the option of working overtime during very busy periods. Please be assured that they have to work within strict time guidelines, and these are always checked by Operations Managers to ensure they are not working too many hours. The service our department offers is outside of the usual office hours of 9am till 5pm because we have found that a lot of our customers have difficulties contacting us whilst they are at work themselves during the 9am to 5pm times, so we have opening hours of 8am - 6pm, as do many firms these days. I hope this explains. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 29 June 2009 19:32 To: Collins, Jackie Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Ok, that sound very fine! But, why is that you let your representatives work over-time every Sunday then? Shouldn't you as a main rule conduct your business, within the business hours? Yours sincerely, Erik Ribsskog On Mon, Jun 29, 2009 at 3:50 PM, Collins, Jackie <jackie.collins@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Rosemary Cox has passed your complaint to me to take over as you have requested that she no longer deals with your case. I can confirmed that a letter has been sent to the firm, and we have asked that they issue you with a final response letter within 14 days. We have also asked them to copy us in on that response. If you remain unhappy with the firms response, or you have not received a response from them within 14 days, please let me know and I will arrange for your complaint to be moved forward for investigation by an Adjudicator. Regards Jackie Collins Operations Manager Direct Dial : 020 7964 0116 Direct Fax: 020 7964 0117 From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 11:17 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, I don't think it's any use with me repeating myself. I don't think you should handle my complaint. The reason is, that if you are to overworked, you get to tired. And in dealing with complaints like these, one obviously needs ones judgement, to be like it should be. If one are out of balance, like I think you could be, then I don't think this is good for how the complaint is being dealt with. So please do as I ask Mrs .Cox, and tell your manager what I said, that I want someone else to deal with my complaint, due to that I think that you must be overworked. Haven't you seen how fine the weather is today, you should have a day off in the fine weather, I think. Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 11:10 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mails As previously advised I am not going to debate with you the working hours of this office. I have written to you today to advise the steps we are taking with your complaint. If the firm fail to resolve the situation for you, your complaint will be passed onto our adjudication area for further consideration of the concerns you have raised. I should add that we do not tolerate rude or insulting language at this office, and would expect any further communication to be sent in a more acceptable manner. Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 10:43 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, of course you can work on Sundays if you want. But business e-mails should just be sent within the business-hours. Or else, what's going to happen, is obvious. Someone are going to come drunk home from town, and answer the business-e-mails when they are drunk, which is what has happened today, with our correspondence. If this is something, you didn't know from before, then I think this Financial Ombudsman-stuff is just a load of crap really. Try to use the head that God gave you when you were born! Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 10:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail I must admit to being surprised and confused with the content of the e-mail. We are an extremely busy department and we often work at the weekends, this is obviously of help to consumers as we are able to deal with their complaints in a more timely manner. I would suggest that It is entirely up to each individual business to determine which hours their staff will work and I do not intend debating this with you. By working this weekend I have been able to deal with your complaint, which as you can appreciate is of a benefit to you. Perhaps you can clarify the spelling mistakes you are referring to? Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 10:20 Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi again, don't you think it's strange for an institutions like yours to send e-mails on Sunday mornings then? Shouldn't e-mails be sent within normal business hours then you think? This is what it says on Wikipedia: In the United States and United Kingdom, the hours between 9 am and 5 pm are typically considered to be standard business hours http://en.wikipedia.org/wiki/Business_hours I think this is rather akward, as I also think your spelling-mistakes are. Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 8:06 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail That's no problem, however I should point out that we are not a government department, we are a independent complaints body. I will be in touch with your again in the next few days Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 08:02 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, ok that's very fine, I'm just home from town you see. I thought it was a bit strange, since noone in Government in Norway, work on Sundays. Sorry about this, I forget sometimes that I'm not in Norway any longer. Sorry about this! Yours sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 7:54 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mail I can assure you this is not a joke, I am currently in the office working today. I presume that you would like us to deal with your complaint, so am responding to your e-mails today Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 28 June 2009 07:36 To: Cox, Rosemary Subject: Re: Complaint against RBS/Fwd: Earlier e-mail Hi, why do send the e-mails early on a Sunday morning, by the way. Is this some kind of joke? Sincerely, Erik Ribsskog On Sun, Jun 28, 2009 at 7:33 AM, Cox, Rosemary <Rosemary.Cox@financial-ombudsman.org.uk> wrote: Dear Mr Ribsskog Thank you for your e-mails I will contact you again once I have considered the information. Kind Regards Rose Cox team manager From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 27 June 2009 14:59 To: Cox, Rosemary Subject: Complaint against RBS/Fwd: Earlier e-mail Hi, thank you for you e-mail, that I recieved today. I'll contact your collegue back, regarding the Barclays-complaint. I sent the complaint on RBS Dale St., to Yvonne Williams at RBS, but she also harassed me, like this, she writes 'Dear Ms Ribsskog', even if my name is Erik, and in Britain, you have a movie called 'Erik the Viking', and Eric is also a quite usual name, in English-speaking countries. So I think Yvonne Williams, the complaint-investigator, also bullied me. I think this must have been a deliberate mistake. This ended with the complaint being partly resolved, in the way that RBS, gave me the bonus of £100, for moving my account to them, from Barclays, (who I also had problems with, that I'll exlain about to your collegue, like I mentioned earlier). I'll also find the actual complaint against RBS Dale St. now, and forward it to you. What I meant with the complaint-form, was that it didn't look anything at all like the ones you've sent me now. Maybe the complaint-form I was sent, was to do with other financial institutions, than banks? Like share-fonds etc? Have you also got other complaint-forms, other than to banks, perhaps someone sent me the wrong form intentionally? Just a thought I had. But anyway, thank you very much for your e-mail, and I'll also find the actual RBS Dale St. complaint, and e-mail it to you now. Yours sincerely, Erik Ribsskog ---------- Forwarded message ---------- From: Williams, Yvonne (CRU) <Yvonne.Williams@rbs.co.uk> Date: Tue, Jun 26, 2007 at 4:30 PM Subject: RE: Earlier e-mail To: Erik Ribsskog <eribsskog@gmail.com> Dear Ms Ribsskog Could you please arrange another copy of your email to be sent to me for my investigation Regards Yvonne Williams From: Erik Ribsskog [mailto:eribsskog@gmail.com] Sent: 19 June 2007 14:04 To: Williams, Yvonne (CRU) Subject: Earlier e-mail *** WARNING : This message originates from the Internet *** Hi, I'm refering to the e-mail I sent you on 5/6. I was just wondering if you have recieved this e-mail, because I cant see that I have recieved any answer to it yet. Please just contact me if you want me to send you the e-mail again. Yours sincerely, Erik Ribsskog The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB Authorised and regulated by the Financial Services Authority. This e-mail message is confidential and for use by the addressee only. If the message is received by anyone other than the addressee, please return the message to the sender by replying to it and then delete the message from your computer. Internet e-mails are not necessarily secure. The Royal Bank of Scotland plc does not accept responsibility for changes made to this message after it was sent. Whilst all reasonable care has been taken to avoid the transmission of viruses, it is the responsibility of the recipient to ensure that the onward transmission, opening or use of this message and any attachments will not adversely affect its systems or data. 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This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above. This e-mail and any attachments are confidential and may be subject to legal privilege. If you are not the intended recipient, please notify the sender immediately and delete this e-mail and any attachment from your system. If you are not the intended recipient you must not copy, disclose or take any action in reliance to it. This e-mail and any attachments have been checked by virus detection software before transmission. You should carry out your own virus checks on the contents of this communication. We accept no liability for any loss or damage which may be caused by software viruses or by interception or interruption of this mail. Unless otherwise indicated, this e-mail has no contractual effect and may only be used for the purpose(s) indicated in it. The statements and opinions expressed in this e-mail are those of the author and do not necessarily reflect those of the Financial Ombudsman Service Ltd. This email has originated from the Financial Ombudsman Service Ltd. South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom. Registered as a limited company in England and Wales No. 3725015. Registered office as above.

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