Hi,
I got a letter from RBS, the other day, which I attach, as an update,
to my complaint, against them.
I'll try to sumarise a bit.
I went to RBS Bootle, last month, and asked them, if I could have an
overdraft, for gradutes.
(I need clothes for job-interviews and I also work with a lot of
inheritance-cases in Norway.
An am unemployed, and am being messed with, by the Jobcentre, I think
I have to say, so I also need money for living-expenses).
RBS told me, that it's more than three years, since I got my degree.
So I couldn't get an overdraft, for graduates, (they told me).
I have had a lot of complaints, against RBS Dale Street, (from a few
years ago, when I lived, in Leather Lane, where I lived, from 2006 to
2011).
So that could be why I didn't go at once, to ask for an overdraft for
graduates, (when I got my degree, in 2009).
Since my relationship with RBS, wasn't that good at the time, (due to
the mentioned complaints, etc).
So my complaint now, is that RBS are unreasonable and unflexible, when
they now refuse me, and overdraft for graduates.
I want to make a point of, that it isn't that important to me, that I
get this overdraft, for graduates.
I'm just as happy, if I get a normal overdraft or a credit-card.
I just need to sort my cash-flow-problem, (because I own property in
Norway, but it's difficult to sell, because there are legal-problems,
(I think I have to call them now), since it's a co-owned property. And
I'm also expecting to get more inheritances, from both my mothers
side, (an inheritance delayed since 2009), and later also on my
fathers side).
So I'm trying not to be un-flexible myself.
I'm also glad if I get another type of loan/credit-card, from RBS,
(who has been my main-bank, since I switched to them, in 2007, (from
Barclays)).
And also, I think they should applogoise, for calling me 'Sir/Madam',
when I'm a well-known customer.
The Merseyside Police, called me 'Miss Erik Ribsskog', in a letter to
me, in 2007.
Is this the Merseyside Police, who are messing with me, through RBS,
I'm wondering.
(RBS are now partly owned by the Government, I think, after the
problems the bank had, during the finance-crises, a few years ago, if
I remember it right.
Is it so, that the Government then use this bank, (that they own parts
of), to mess with citizens, I'm wondering a bit here.
Hm).
Please just ask me, if there is anything more you wonder about,
regarding this complaint.
I send a copy e-mail, to RBS, so that they can sort this, when they
give me their final response.
So that they know I want a loan and an apology.
I hope this is alright!
Yours sincerely,
Erik Ribsskog
---------- Forwarded message ----------
From: Erik Ribsskog <
eribsskog@gmail.com>
Date: Tue, Aug 5, 2014 at 6:53 PM
Subject: Complaint/Fwd: FW: Your letter of 29/7 with the reference
number: 0023045014/Fwd: Complaint
To: "
complaint.info" <
complaint.info@financial-ombudsman.org.uk>
Cc:
rcjchancery.judgeslisting@hmcts.gsi.gov.uk
Hi,
I wanted to complain about that RBS calls me 'Sir/Madam'.
I've been a customer with them, since 2007, and I don't like to be called Madam.
(And I've informed them about my name, and branch.
So this is that they harass me, I think).
Yours sincerely,
Erik Ribsskog
---------- Forwarded message ----------
From: ~ RBS Customer Relations <
Customer.Relations@rbs.co.uk>
Date: Tue, Aug 5, 2014 at 8:51 AM
Subject: FW: Your letter of 29/7 with the reference number:
0023045014/Fwd: Complaint
To: "
eribsskog@gmail.com" <
eribsskog@gmail.com>
Dear Sir/Madam,
Case Reference 23045014.
Thank you for your patience whilst we have been reviewing your
complaint, and please accept our sincere apologies for the delay.
Our review is taking us longer than we originally anticipated but once
this is completed, it will enable us to carry out a full investigation
and give you a response. We hope to let you know the outcome of our
review and investigations within the next two weeks. If, due to the
nature of your complaint this is not possible, we will be in touch to
provide you with an update.
If you have anything further you would like to add to your complaint,
please call our Customer Care Team on
0845 607 2323. We're here from
8am to 6pm Monday to Friday, 9am to 4pm Saturday. If you have a
hearing or speech impairment you can call us on Minicom
0845 900 5960.
Regards
Rohit Saini
-----Original Message-----
From: Erik Ribsskog [mailto:
eribsskog@gmail.com]
Sent: 02 August 2014 23:56
To: ~ RBS Customer Relations
Cc:
rcjchancery.judgeslisting@hmcts.gsi.gov.uk; Joanne Dalton; DWP ICE
gateway team; Contact-Us; CONTACT-US; emb.london; admin; post
Subject: Your letter of 29/7 with the reference number:
0023045014/Fwd: Complaint
Hi,
I'm refering to your letter from 29/7, which I received today, (from
someone with a signature, that isn't easy to read I think, perhaps you
should start typing the names as well, just to complain a bit more,
while I'm at it, so to speak).
(I attach scanned copies of this letter).
You write in the letter, that I can contact you, if I have something
more to add, about this case.
What I really need is an overdraft.
Untill I've managed to sell a property, which I co-own, in Norway.
So if I could have an overdraft of around xx
(I've gotten a credit-card with a small credit-limit from Vanquis, and
a new check-book-account, from Barclays.
But RBS is my main-bank, since I switched to you, in 2007, so I think
its a bit strange, if I don't get like an overdraft, with you, when I
get credit-cards and check-books, from other banks, that aren't even
my main-bank.
Even if RBS is Scottish and my mother used to say, (during my
upbringing), that Scots were 'gjerrige', (like we say in Norway), for
some reason.
The problem is that the Jobcentre aren't civilised you see.
They 'never' pay me my jobseekers-allowance these days.
The owe me around £xxx since January, in missing jobseekers-allowances.
And many of the payments I've gotten this year, have also been delayed.
So JCP have been notourioulsy irreliable, this year, I have to say.
They have also framed me, and are taking me to court, for having sent
harasment-emails, which I haven't sent at all.
So it's like I live in a war-zone in Africa, or something, I'd say, in 2014.
So I can trust JCP, so if I could please have an overdraft.
So that I can get bye, untill I've gotten my property sold in Norway,
(I need a landline-phone I think, because Drammen Tingrett don't reply
to e-mails, and sometimes don't even reply to my phone-calls, they
just pretend to be closed, during opening hours, (this is a local
court in Drammen, Norway, who are supposed to sell properties that are
co-owned, when one of the owners ask for them to do it, I asked them
to sell the property in 2011, but they still haven't sold it).
I attach some files about this property as well.
Since it's a bit tirering, to having to walk around on the streets, to
look for coins, like I sometimes have to do, here in Walton.
Since the JCP mess with me this much.
Thanks in advance for helping me with this over-draft!
Best regards,
Erik Ribsskog
---------- Forwarded message ----------
From: ~ RBS Customer Relations <
Customer.Relations@rbs.co.uk>
Date: Thu, Jul 24, 2014 at 2:09 PM
Subject: RE: Complaint
To: Erik Ribsskog <
eribsskog@gmail.com>
Dear Sir / Madam,
Thank you for your recent email.
The reference number of your Complaint is 23045014.
I am sorry you are unhappy with the service you recently received, but
grateful you have taken the time to explain why.
I have reviewed your complaint and have passed your details on to the
relevant department who we feel are best placed to deal with the
issues you have raised. They will investigate the case carefully and
will contact you within the next 10 working days, if possible with a
full response. If the team needs more time to investigate, they will
tell you why and what they have done so far.
We hope you will understand that we do not normally send our full
response by e-mail, as it may include confidential information that
could be read by other people.
If you would like to contact us in the meantime, please e-mail us.
Regards
Ruchi Malhotra
-----Original Message-----
From: Erik Ribsskog [mailto:
eribsskog@gmail.com]
Sent: 23 July 2014 18:10
To: ~ RBS Customer Relations
Cc:
complaint.info
Subject: Complaint
Hi,
yesterday I was at your branch in Bootle, at Merseyside.
I opened a student-account with Barclays, in Sunderland, in 2004.
And in 2007, I switched to RBS.
So this is initially a student account.
And in 2009, I got my degree, from my home university, (Oslo
University College).
And I now don't get my jobseekers allowance, (for some strange reasons).
So I wondered if I could have an overdraft for graduates.
(To get money for clothes for job-interviews and travel to
job-interviews, etc.).
I spoke with a brunette Cashier there, (Paula or something?), and a young clerk.
The clerk said I only have three years to get an overdraft for graduates.
But I'm from Norway, so I haven't understood about these overdrafts,
until recently.
And my grandmother died in 2009, and it's been like a horrible
inheritance-brawl, in the years since this.
And I still haven't gotten my inheritance, (even if my mother died in
1999, so I should have gotten some inheritance, after my mothers
mother).
So I try to send a complaint about this.
Since I think you are a bit un-flexible.
I think RBS could be a bit more flexible, (since I'm in a difficult
economical situation, now in this hot summer-weather as well), so I
hope that you can offer me some type of overdraft or emergency-loan or
at least a check-book.
My account is with your branch in Dale St., in Liverpool.
So you can contact them, if you need more information, about my account.
Yours sincerely,
Erik Ribsskog
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*** WARNING : This message originates from the Internet ***
The Royal Bank of Scotland plc, Registered in Scotland No. 90312.
Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB
Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority.
This e-mail message is confidential and for use by the addressee only.
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