torsdag 5. oktober 2017

Jeg sendte en e-post til the Financial Ombudsman Service

Erik Ribsskog
Update/Fwd: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
Erik Ribsskog 5. oktober 2017 kl. 20:03

Til: "Smith, Brian"
Kopi: "complaint.info"

Hi,

thank you for your e-mail!

With this e-mail I also forward copies of the earlier correspondence, so that you should be able to find the relevant information.

Please inform me if there is anything else you wonder about.

I was at Barclays Church Street in Liverpool City Centre today.

And an employee there, was acting, like a comedian.

About two months ago, Carrie there told me, (for some reason), that she couldn't accept my driving-licence as ID.

(To do with that I wanted to change my address with them).

She told me that I had to get a (new) passport.

Something which I had planned to get anyway, so that wasn't a problem, and it finally arrived, (from the Norwegian embassy in London), the other day.

And I told the comedian, that I wanted to try to change my address with them again.

(Now with the passport.

In addition to the driving-licence).

And the comedian, (who was in his 30's with a trimmed full beard that was brown I think), went away to file a form.

And came back and said they couldn't accept my passport as ID.

And I asked him if he was joking.

And he was, it turned out.

So is this that Barclays try to kill their customers by trying to make them have heart-attacks?

This I wanted to complain about.Regards,

Erik Ribsskog


2017-09-15 12:13 GMT+01:00 Smith, Brian <Brian.Smith@financial-ombudsman.org.uk>:

Good afternoon Mr Ribsskog

Thank you for your email, I’ve noted the contents on the file.

I’d refer you back to my email dated 23 August 2017 and I’d ask you to respond to the information request that I made on that date. I’ve attached the email for reference.

Please forward your response to complaint.info@financial-ombudsman.org.uk and we’d then be able to advise further.

Kind regards

Brian Smith.



From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 12 September 2017 17:36
To: complaint.info
Cc: emb.london;admin;post@finkn.no
Subject: Update/Fwd: New update/Fwd: Update/Fwd: New complaing/Fwd: Yourcomplaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

Hi,

 yesterday I went, to RBS in Dale Street, with a utility-bill, to update my address with them.

 And there were no staff in the reception.

 So I had to go, to the 'holes in the wall'.

 And it was chaos, because there wasn't sign informing about were to start queing.

 And I got to speak with Michelle, (who could possibly be the same Michelle that I had a meeting with there, about ten years ago, to do with that I switched current-account from Barclays to RBS).

 And she pretended not to hear what I said.

 So I had to speak very high.

 So this I thought was very strange.

 So this I wanted to complain about.

 Regards,

 Erik Ribsskog

 PS.

 Also, when I tried to pay the rent, with my RBS-card, last week.

 Then that didn't work.

 (And I had to use my Nordea-card).

 And that was very embarresing, (since it was at the estate agents), I'd say.

 But Michelle said that there were 'no attemt of payment', for that day, (Tuesday last week).

 Can this be right, I was wondering.

 This I wanted to complain about.


---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-08-04 9:35 GMT+01:00
Subject: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "complaint.info" <complaint.info@financial-ombudsman.org.uk>
Cc: "emb.london" <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no
Hi,

 I just thought, that I'd send, a new update, about the problems with the banks.

 Yesterday I went to RBS in Dale St., (here in Liverpool).

 And that was because, that RBS, had sent me three text-messages.

 In one of the text-messages, they wrote, that they had changed, my 'home-number'.

 But I had only asked them to change my mobile-number and address.

 I went to the bank.

 And I had to sit there, for about half an hour.

 Because there were no staff, in the information-department there, (or what they call it).

 Even if the bank was still open.

 (This was at around 3.30 PM.

 And RBS close at 4.45 PM, it says, on the RBS website).

 After a while, I went over, to the cashiers.

 And Anette, (who I remember, that used to work, in the information, a few years back, was sitting there, counting some notes).

 So Anettes collegue, (a blond woman I think, in her 40's), told me that Heather had put my mobile-number where my home-number used to be, (the day before), on their system.

 And that was 'fine', the RBS-woman said.

 But I've now checked the internet-banking, and it doesn't even mention 'home-number', as far as I can see.

 Anyway I also was, at RBS, on Tuesday, (like mentioned earlier).

 And then Anette, (the now cashier), told me, that RBS don't excange NOK, (Norwegian Kroner).

 And that I suspect, can have been, something which perhaps, isn't true.

 Because when I look at the internet, I can see, that RBS publish their echange-rate, for NOK.

 And I've also earlier changed NOK, in the UK.

 (At Barclays and the Post Office, at least).

 So this I wanted to complain about.

 Best regards,

 Erik Ribsskog


---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-08-03 7:57 GMT+01:00
Subject: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "complaint.info" <complaint.info@financial-ombudsman.org.uk>
Cc: "emb.london" <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no
Hi,

 I just remembered something more.

 When I last year, (I think it must have been), tried to change my RBS-address, (to my Norwegian address).

 Then I went to RBS's office, in Oslo.

 (Because RBS had a big neon-sign, on a Oslo city center-building.

 So I knew they were around.

 Even if they had moved from the 'neon sign-building' to a building where Breivik, (and my half-brother), had worked.

 It later turned out).

 And RBS Oslo couldn't help me change my address.

 They weren't a proper branch, it seemed.

 So this I wanted to complain about.

 Also I noticed, in the meetings with Carrie, (at Barclays Lord Street), that she doesn't use the 'thouch-method', when she types.

 So is this the candid camera comedy TV-show, or something, I was wondering.

 I thought all bank-staff had gone to business-school and learned to type using the thouch-method, (that we learn at business/mercantile-school, ('handel og kontor'), in Norway, at least).

 This I wanted to complain about.

 Best regards,

 Erik Ribsskog

 PS.

 Sorry for all the typos, in the last e-mail.

 But my hotel-room is a bit dark unfortunatly, (for some reason).

 But now there's more daylight.

 So this e-mail should hopefully be better that way, at least.
---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-08-03 7:08 GMT+01:00
Subject: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "complaint.info" <complaint.info@financial-ombudsman.org.uk>
Cc: "emb.london" <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no
Hi,

 I've now moved back to the UK, and I've had a bit problems, with RBS and Barclays.

 I've often used hostells as my bank-address, (the Scandinavian Church hostel in Liverpool, and also International Inn, in Liverpool).

 But now RBS and Barclays first didn't want to accept my hotell-address.

 Jayne at RBS said: 'Things have changed', (since 2014, I guess).

 (This was on Tuesday).

 But Anette there wondered if I had gotten my British phone-number.

 But the phone-numbers stops working after six months, if one are abroad, Virgin told me, later on Tuesday.

 So I got a replacement phone-number.

 And I then went back to RBS yesterday.

 And Heather there updated my phone-number and address.

 At Barclays they said I had the wrong ID, (for updating my address).

 Carrie there wouldn't accept my emergency passport, (I lost my passport, in Liverpool, around 2010, and needed to get a new one, at the airport in Oslo, (with the Police there), on Sunday).

 And Barclays wouldn't accept my driving licence, (from 2002 (1995)).

 Even if I must have used that exactly same driving licence, when I updated my address there, (in the same Barclays branch, in Church/Lord Street, in Liverpool), three times, (I think it must have been), in 2012.

 So that I wanted to complain about.

 Also I had a meeting with Carrie yesterday.

 And on Tuesday, I had a meeting first with Carries collegue.

 And I remember all the RBS-names.

 But not the name of Carries collegues, (in/around the reception there).

 RBS-staff have name-signs, but do really all Barclay staff have name-signs I'm wondering.

 No, I deer to say that half the Barclays-staff aren't wearing name-signs, (at least).

 So this I wanted to complain about.

 Also Barclays-staff #1 wanted my to try my pin-code, on Tuesday.

 I hide pin-codes a bit, because I read in a paper, you shouldn't just write the pin-code in case one are robbed.

 So I didn't get the pin-code right.

 (Because I have to Barclays-accounts.

 One student-account from Sunderland, in 2004.

 And one current-account from Bootle in 2014).

 And I didn't want to try more than two pin-codes.

 Because then the card would be blocked.

 But even if I explained this to Carrie yesterday, even so she told my to type a pin-code.

 With the result that my Bootle-Visa-card was blocked.

 So this I wanted to complain about.

 I also complained to Carrie that Barclays don't have a general enquiery e-mail address, on their website.

 Then I would have contacted them much earlier.

 Because all my stuff was stolen from my, when my bedsit/flat, (in Norway), was robbed, in February 2012.

 There was only a bus-ticket and a razor-blade left.

 All my clothes and my computer etc., was stolen.

 Including a bard reader from Barclays and my Bootle-account cheque-book.

 And I hadn't gotten to report about this, since Barclays don't use e-mail.

 I also have an account with RBS.

 (RBS had a promotion, where they gave me £100, in 2007, for switching to them.

 And I had recently been a jobseeker then, I those money came in handy).

 But for some reason, my sister sent me money, to my UK PayPal-account, last year, (I think it was).

 And then I had to use a lot of time, to contact RBS.

 Because those money ended up on my RBS-account.

 And I had to chat with RBS for many hours, on their web-chat.

 (A chat that doesn't e-mail the custommers a summary of the chat.

 For some reason).

 And I had to use many hundred NOK, to call RBS, (from my Norwegian mobile).

 To change my address.

 So that RBS could send me a Visa-card that worked.

 Since my RBS Visa-card didn't work, (last year), even if it hadn't expired.

 So I've used a lot of time and money, to contact RBS.

 And hadn't gotten to Barclays yet.

 Even if I had thought about that why don't Barclays have a general enquiery e-mail address, on their website.

 Then I would have updated them about the stolen cheque-book etc., much earlier.

 I had my Sunderland-account-Visa card.

 But it had expired in 2016.

 I said to Carrie that they should block the other Sunderland-cards issued after 2014.

 Because I reackoned that those cards must have been sent to my old UK address.

 And I also reackon that someone else lives there now, (on that address, in L4).

 And then Carrie told me that no later cards had been issued/sent in the post, (since 2014).

 Even if my old Sunderland-Visa-card expired in 2016.

 So what has happened here, I was wondering.

 I haven't gotten to tell Barclays that I've moved back to Norway, in 2014.

 And still they stop the new card, in 2016.

 Hm.

 That wasn't explained to me, what had happened here.

 So that I wanted to complain about.

 I deposited some money, (760 pounds), on my Barclays Bootle-account, on Tuesday.

 But later the same day, I remembered, that the cheeque-book, for that account, was stolen, in 2015.

 And yesterday, I asked Carrie if they could transfer those money to my Barclays Sunderland-account.

 Because I thought those money would be safer on the Sunderland-account, because that acount, didn't have a stolen cheque-book.

 But Carrie refused to transfer the money, (to my Sunderland-account).

 So that I wanted to complain about.

 (The reason I got a Bootle-account, is really because I was there to discuss a co-owned property, which I owned/own, a part of, in Norway.

 But Barclays didn't want to sell this property for me, and instead I ended ut, with a new current-account.

 Which I didn't really need.

 So it's a bit chaos, with my Barclays-banking.

 That's why I've gone to Barclays twice, about this, this week).

 Also it was chaos at Barclays.

 They've closed their branches in Water Street and Whitechappel.

 And the Church Street/Lord Street one, has to many custommers in it.

 Yesterday it was a queue, both for the chairs and for the reception, in the first floor, at Barclays Lord street.

 I ended up, in an embarrasing situation, where I thought that two Chinese women, where queing, for a chair.

 So I waited for them, so to let them have the only free chair, (after that I had been standing there, waiting for meeting with Carrie, for 20-30 minutes, or something like that).

 But it turned out, that the Chinese women, where queing, not for the chair, but for the reception.

 So they were insulted by me standing next to them, while I waited for them to grab the last chair, it seemed.

 Because the waiting-room was to small.

 And if I waited in the stair-case, then people thought I was queing there.

 So this was chaos, and Barcalys/the Chinese women, made me look dum, I think.

 So this I wanted to complain about.

 (It also was a lot of circus/noise there, since a Pakistani family, had a meeting in the waiting room/reception there.

 They were both parents, and at least one noisy child, and possibly also grand-parents.

 So Barcalys Lord Street need more space, and perhaps they need to stop having a combined reception/waiting-room.

 If they split them up, then that would perhaps be a good idea.

 Even if they also have a second waiting-room, further inside, on that floor.

 So it's a bit 'Russian' perhaps.

 Barclays should perhaps then rather open up one or two of their old Liverpool City Centre-branches.

 One could think.

 So that people wouldn't stand as 'sild in tønne', (fish in a barrel), there.

 So that I wanted to complain about).

 Also Carrie still didn't want to accept my new address yesterday.

 They want me to get a new passport.

 But the Norwegian consulate in Liverpool, have stopped issuing passports, (a few years ago).

 And it's quite far, to London.

 And one need a special apointment, with the Norwegian embassy, (in London), to get a passport.

 And that apointment, (that one get, if one call), can be, like many weeks/months, into the future.

 So that could take several months for me, to get, a regular passport.

 And I also have lots of other important things to do.

 Like finding a flat, going to the dentist, etc.

 So Barcalys are being a bit difficult and unreasonable, towards me, I think.

 So this I wanted to complain about.

 Carrie also wanted me to throw my expired Sunderand-Visa-card.

 But that's the only place, where I have my Sunderland-account-number now.

 (Since people don't get proper statements any longer.

 People get nagged about switching to paperless statements.

 And in the end it then can be difficult to find ones account-numbers etc.

 So this I wanted to complain about.

 Regards,

 Erik Ribsskog

 PS.

 Carrie want's me to call the Norwegian embassy in London.

 But if I put the telly on, at my hotel-room.

 Then people knock on my door, (due to that they are very sensitive towards sound), it seems.

 So it's not easy finding a quiet place outdoors, (in Liverpool City Center), from which I can call the embassy, (from my mobile).

 So Barcalys are being difficult, I think.
---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-05-21 6:27 GMT+01:00
Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "Reyneke, Andre" <Andre.Reyneke@financial-ombudsman.org.uk>
Cc: post@finkn.no
Hi,

 I've learned about this, at business-school.

 And it should be necessary, to fill out, a lot of forms, (all the time).

 It should be enough, to just explain about this, in normal writing.

 Erik Ribsskog

 PS.

 You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).

 So this is something you do at your spare-time, I guess?

 Thats why you don't understand this, about the forms, I reacon.
I also asked you to escalate, (to a line-manager), in the last e-mail.

 I can't see that you've done that.

 So that I wanted to complain about.
2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
Dear Mr Ribsskog

Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.

I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.

Kind regards,


Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR










From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 20 March 2017 05:41
To: Reyneke, Andre
Cc: post@finkn.no; post; Shared_global_External Enquiries
Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)

Hi,

 it shouldn't be necessary to explain about this case, in a form, I think.

 It should be enough to just explain about this, in normal writing.

 Please escalate to a line-manager.

 Erik Ribsskog


2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
Dear Mr Ribsskog


Thank you for contacting us. Please find attached our complaint form and letter for your convenience.



Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR


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This email is covered by our email disclaimer.
This email was sent from Financial Ombudsman Service Ltd. Registered in England and Wales. Registered Number: 3725015. Registered Office: Exchange Tower, London, E14 9SR, United Kingdom.






This email has been sent securely using TLS encryption.This email is covered by our email disclaimer.
This email was sent from Financial Ombudsman Service Ltd. Registered in England and Wales. Registered Number: 3725015. Registered Office: Exchange Tower, London, E14 9SR, United Kingdom.

---------- Videresendt e-post ----------
From: "Smith, Brian" <Brian.Smith@financial-ombudsman.org.uk>
To: "'eribsskog@gmail.com'" <eribsskog@gmail.com>
Cc:
Bcc:
Date: Wed, 23 Aug 2017 15:34:19 +0000
Subject: RE: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint aboutThe Royal Bank of Scotland Plc (Our ref: 18610099)
Dear Mr Ribsskog
Thank you for your email(s).
I can see that you’ve experienced a number of issues with different banks – some of which I may be able to help with and some which seem to relate to the business practices of the banks in question.
I’d like to help as much as I can but I need to establish where you stand with your complaints to the different banks. If you could provide me with any responses that you’ve received to your complaints I would then be in a much better positon to advise further.
I should point out that with any formal complaint a bank would have 8 weeks in which to investigate your concerns and issue you with a written response. We’d generally suggest that a complaint is made directly to the bank so as that it gives them the opportunity to address the issues with you directly – before our involvement.
If we’re in a position to become formally involved with your case(s) I’d need you to either complete one of our complaint form, or alternatively we could speak on the phone to cover the declaration I would need to investigate further.
Please let me know what you’ve received from the bank so as that I be of more assistance.
Yours Sincerely
Brian Smith.
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 04 August 2017 09:36
To: complaint.info
Cc: emb.london;admin;post@finkn.noSubject: New update/Fwd: Update/Fwd: New complaing/Fwd: Your complaint aboutThe Royal Bank of Scotland Plc (Our ref: 18610099)
Hi,

I just thought, that I'd send, a new update, about the problems with the banks.

Yesterday I went to RBS in Dale St., (here in Liverpool).

And that was because, that RBS, had sent me three text-messages.

In one of the text-messages, they wrote, that they had changed, my 'home-number'.

But I had only asked them to change my mobile-number and address.

I went to the bank.

And I had to sit there, for about half an hour.

Because there were no staff, in the information-department there, (or what they call it).

Even if the bank was still open.

(This was at around 3.30 PM.

And RBS close at 4.45 PM, it says, on the RBS website).

After a while, I went over, to the cashiers.


 And Anette, (who I remember, that used to work, in the information, a few years back, was sitting there, counting some notes).

 So Anettes collegue, (a blond woman I think, in her 40's), told me that Heather had put my mobile-number where my home-number used to be, (the day before), on their system.

 And that was 'fine', the RBS-woman said.

 But I've now checked the internet-banking, and it doesn't even mention 'home-number', as far as I can see.

 Anyway I also was, at RBS, on Tuesday, (like mentioned earlier).

 And then Anette, (the now cashier), told me, that RBS don't excange NOK, (Norwegian Kroner).

 And that I suspect, can have been, something which perhaps, isn't true.

 Because when I look at the internet, I can see, that RBS publish their echange-rate, for NOK.

 And I've also earlier changed NOK, in the UK.

 (At Barclays and the Post Office, at least).

 So this I wanted to complain about.

 Best regards,

 Erik Ribsskog
---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-08-03 7:57 GMT+01:00
Subject: Update/Fwd: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "complaint.info" <complaint.info@financial-ombudsman.org.uk>
Cc: "emb.london" <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

Hi,

I just remembered something more.

When I last year, (I think it must have been), tried to change my RBS-address, (to my Norwegian address).

Then I went to RBS's office, in Oslo.

(Because RBS had a big neon-sign, on a Oslo city center-building.

So I knew they were around.

Even if they had moved from the 'neon sign-building' to a building where Breivik, (and my half-brother), had worked.

It later turned out).

And RBS Oslo couldn't help me change my address.

They weren't a proper branch, it seemed.

So this I wanted to complain about.

Also I noticed, in the meetings with Carrie, (at Barclays Lord Street), that she doesn't use the 'thouch-method', when she types.

So is this the candid camera comedy TV-show, or something, I was wondering.

I thought all bank-staff had gone to business-school and learned to type using the thouch-method, (that we learn at business/mercantile-school, ('handel og kontor'), in Norway, at least).

This I wanted to complain about.

Best regards,

Erik Ribsskog

PS.

Sorry for all the typos, in the last e-mail.

But my hotel-room is a bit dark unfortunatly, (for some reason).

But now there's more daylight.

So this e-mail should hopefully be better that way, at least.

---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-08-03 7:08 GMT+01:00
Subject: New complaing/Fwd: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "complaint.info" <complaint.info@financial-ombudsman.org.uk>
Cc: "emb.london" <emb.london@mfa.no>, admin <admin@lpl-norwegian-consulate.org.uk>, post@finkn.no

Hi,

I've now moved back to the UK, and I've had a bit problems, with RBS and Barclays.

I've often used hostells as my bank-address, (the Scandinavian Church hostel in Liverpool, and also International Inn, in Liverpool).

But now RBS and Barclays first didn't want to accept my hotell-address.

Jayne at RBS said: 'Things have changed', (since 2014, I guess).

(This was on Tuesday).

But Anette there wondered if I had gotten my British phone-number.

But the phone-numbers stops working after six months, if one are abroad, Virgin told me, later on Tuesday.

So I got a replacement phone-number.

And I then went back to RBS yesterday.

And Heather there updated my phone-number and address.

At Barclays they said I had the wrong ID, (for updating my address).

Carrie there wouldn't accept my emergency passport, (I lost my passport, in Liverpool, around 2010, and needed to get a new one, at the airport in Oslo, (with the Police there), on Sunday).

And Barclays wouldn't accept my driving licence, (from 2002 (1995)).

Even if I must have used that exactly same driving licence, when I updated my address there, (in the same Barclays branch, in Church/Lord Street, in Liverpool), three times, (I think it must have been), in 2012.

So that I wanted to complain about.

Also I had a meeting with Carrie yesterday.

And on Tuesday, I had a meeting first with Carries collegue.

And I remember all the RBS-names.

But not the name of Carries collegues, (in/around the reception there).

RBS-staff have name-signs, but do really all Barclay staff have name-signs I'm wondering.

No, I deer to say that half the Barclays-staff aren't wearing name-signs, (at least).

So this I wanted to complain about.

Also Barclays-staff #1 wanted my to try my pin-code, on Tuesday.

I hide pin-codes a bit, because I read in a paper, you shouldn't just write the pin-code in case one are robbed.

So I didn't get the pin-code right.

(Because I have to Barclays-accounts.

One student-account from Sunderland, in 2004.

And one current-account from Bootle in 2014).

And I didn't want to try more than two pin-codes.

Because then the card would be blocked.

But even if I explained this to Carrie yesterday, even so she told my to type a pin-code.

With the result that my Bootle-Visa-card was blocked.

So this I wanted to complain about.

I also complained to Carrie that Barclays don't have a general enquiery e-mail address, on their website.

Then I would have contacted them much earlier.

Because all my stuff was stolen from my, when my bedsit/flat, (in Norway), was robbed, in February 2012.

There was only a bus-ticket and a razor-blade left.

All my clothes and my computer etc., was stolen.

Including a bard reader from Barclays and my Bootle-account cheque-book.

And I hadn't gotten to report about this, since Barclays don't use e-mail.

I also have an account with RBS.

(RBS had a promotion, where they gave me £100, in 2007, for switching to them.

And I had recently been a jobseeker then, I those money came in handy).

But for some reason, my sister sent me money, to my UK PayPal-account, last year, (I think it was).

And then I had to use a lot of time, to contact RBS.

Because those money ended up on my RBS-account.

And I had to chat with RBS for many hours, on their web-chat.

(A chat that doesn't e-mail the custommers a summary of the chat.

For some reason).

And I had to use many hundred NOK, to call RBS, (from my Norwegian mobile).

To change my address.

So that RBS could send me a Visa-card that worked.

Since my RBS Visa-card didn't work, (last year), even if it hadn't expired.

So I've used a lot of time and money, to contact RBS.

And hadn't gotten to Barclays yet.

Even if I had thought about that why don't Barclays have a general enquiery e-mail address, on their website.

Then I would have updated them about the stolen cheque-book etc., much earlier.

I had my Sunderland-account-Visa card.

But it had expired in 2016.

I said to Carrie that they should block the other Sunderland-cards issued after 2014.

Because I reackoned that those cards must have been sent to my old UK address.

And I also reackon that someone else lives there now, (on that address, in L4).

And then Carrie told me that no later cards had been issued/sent in the post, (since 2014).

Even if my old Sunderland-Visa-card expired in 2016.

So what has happened here, I was wondering.

I haven't gotten to tell Barclays that I've moved back to Norway, in 2014.

And still they stop the new card, in 2016.

Hm.

That wasn't explained to me, what had happened here.

So that I wanted to complain about.

I deposited some money, (760 pounds), on my Barclays Bootle-account, on Tuesday.

But later the same day, I remembered, that the cheeque-book, for that account, was stolen, in 2015.

And yesterday, I asked Carrie if they could transfer those money to my Barclays Sunderland-account.

Because I thought those money would be safer on the Sunderland-account, because that acount, didn't have a stolen cheque-book.

But Carrie refused to transfer the money, (to my Sunderland-account).

So that I wanted to complain about.

(The reason I got a Bootle-account, is really because I was there to discuss a co-owned property, which I owned/own, a part of, in Norway.

But Barclays didn't want to sell this property for me, and instead I ended ut, with a new current-account.

Which I didn't really need.

So it's a bit chaos, with my Barclays-banking.

That's why I've gone to Barclays twice, about this, this week).

Also it was chaos at Barclays.

They've closed their branches in Water Street and Whitechappel.

And the Church Street/Lord Street one, has to many custommers in it.

Yesterday it was a queue, both for the chairs and for the reception, in the first floor, at Barclays Lord street.

I ended up, in an embarrasing situation, where I thought that two Chinese women, where queing, for a chair.

So I waited for them, so to let them have the only free chair, (after that I had been standing there, waiting for meeting with Carrie, for 20-30 minutes, or something like that).

But it turned out, that the Chinese women, where queing, not for the chair, but for the reception.

So they were insulted by me standing next to them, while I waited for them to grab the last chair, it seemed.

Because the waiting-room was to small.

And if I waited in the stair-case, then people thought I was queing there.

So this was chaos, and Barcalys/the Chinese women, made me look dum, I think.

So this I wanted to complain about.

(It also was a lot of circus/noise there, since a Pakistani family, had a meeting in the waiting room/reception there.

They were both parents, and at least one noisy child, and possibly also grand-parents.

So Barcalys Lord Street need more space, and perhaps they need to stop having a combined reception/waiting-room.

If they split them up, then that would perhaps be a good idea.

Even if they also have a second waiting-room, further inside, on that floor.

So it's a bit 'Russian' perhaps.

Barclays should perhaps then rather open up one or two of their old Liverpool City Centre-branches.

One could think.

So that people wouldn't stand as 'sild in tønne', (fish in a barrel), there.

So that I wanted to complain about).

Also Carrie still didn't want to accept my new address yesterday.

They want me to get a new passport.

But the Norwegian consulate in Liverpool, have stopped issuing passports, (a few years ago).

And it's quite far, to London.

And one need a special apointment, with the Norwegian embassy, (in London), to get a passport.

And that apointment, (that one get, if one call), can be, like many weeks/months, into the future.

So that could take several months for me, to get, a regular passport.

And I also have lots of other important things to do.

Like finding a flat, going to the dentist, etc.

So Barcalys are being a bit difficult and unreasonable, towards me, I think.

So this I wanted to complain about.

Carrie also wanted me to throw my expired Sunderand-Visa-card.

But that's the only place, where I have my Sunderland-account-number now.

(Since people don't get proper statements any longer.

People get nagged about switching to paperless statements.

And in the end it then can be difficult to find ones account-numbers etc.

So this I wanted to complain about.

Regards,

Erik Ribsskog

PS.

Carrie want's me to call the Norwegian embassy in London.

But if I put the telly on, at my hotel-room.

Then people knock on my door, (due to that they are very sensitive towards sound), it seems.

So it's not easy finding a quiet place outdoors, (in Liverpool City Center), from which I can call the embassy, (from my mobile).

So Barcalys are being difficult, I think.

---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: 2017-05-21 6:27 GMT+01:00
Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
To: "Reyneke, Andre" <Andre.Reyneke@financial-ombudsman.org.uk>
Cc: post@finkn.no

Hi,

I've learned about this, at business-school.

And it should be necessary, to fill out, a lot of forms, (all the time).

It should be enough, to just explain about this, in normal writing.

Erik Ribsskog

PS.

You also sent me e-mails, at 7.30, in the morning, a few years back, (while I lived, in the UK).

So this is something you do at your spare-time, I guess?

Thats why you don't understand this, about the forms, I reacon.
I also asked you to escalate, (to a line-manager), in the last e-mail.

I can't see that you've done that.

So that I wanted to complain about.


2017-03-20 15:58 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
Dear Mr Ribsskog
Thank you for your email. I have noted your comments. I think it may be helpful to explain the reason we require you to sign the declaration on our complaint form is because we require your consent to deal with the complaint. In addition we also need to show The Royal Bank of Scotland Plc (the business you are complaining about) that you have given us the necessary authority to look in the complaint you are raising against them.
I hope this clarifies the process and I look forward to hearing from you. I also enclose our leaflet for you convenience.
Kind regards,
Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR

From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 20 March 2017 05:41
To: Reyneke, Andre
Cc: post@finkn.no; post; Shared_global_External Enquiries
Subject: Re: Your complaint about The Royal Bank of Scotland Plc (Our ref: 18610099)
Hi,

it shouldn't be necessary to explain about this case, in a form, I think.

It should be enough to just explain about this, in normal writing.

Please escalate to a line-manager.

Erik Ribsskog
2017-02-21 10:22 GMT+01:00 Reyneke, Andre <Andre.Reyneke@financial-ombudsman.org.uk>:
Dear Mr Ribsskog
Thank you for contacting us. Please find attached our complaint form and letter for your convenience.
Andre Reyneke | Consumer Consultant | Financial Ombudsman Service | Tel 020 79641368| Fax 02079641369 | Exchange Tower, London, E14 9SR
cid:image003.png@01D2A18A.62A2F050

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