johncons: CCCS

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torsdag 27. desember 2012

Jeg sendte en ny e-post til CCCS/Stepchange

Gmail - Your reference: 1105539

Erik Ribsskog
<eribsskog@gmail.com>

Your reference: 1105539

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Dec 27, 2012 at 6:03 PM

To:
Customer Relations <CustomerRelations@stepchange.org>

Hi,

thank you for your e-mail.

I just thought the new name was a bit like you moralise and patronise people.

I think a neutral name like 'Debt Advice', would have been better.

Your old name, (CCCS), was also a bit strange, I think, (to be honest), because it almost look like CCCP, which is the Russian name for the Soviet Union, I think.

So it was almost like one were labeled as communists if one wrote to CCCS.

And now one are labeled as immoral, I think, (since one have to change ones behaviour, that is change ones steps).

But I think a neutral name would have been better, it's like both your old and new name labeles your clients, I think.

That's my opinion at least.

I understand you are a charity, so I'm not sure if I should take this complaint any further.

(Since I'm not that used with dealing with charities).

I've said my opinion now, at least.

So I have to think about if I should do anything more in conection with this complaint.

Thanks again for your e-mail.

Regards,

Erik Ribsskog

On Thu, Dec 27, 2012 at 2:15 PM, Customer Relations <CustomerRelations@stepchange.org> wrote:

Dear Mr Ribsskog

Client reference: 1105539

Complaint reference: 1076/1105539

Your comments regarding our response to your complaint have been noted. I’m sorry you remain dissatisfied with the content of our e-mail and the information we’ve provided

about the charity’s new name.

As requested, your message has been escalated for the content of your complaint and our response to be reviewed.

I can confirm the explanation we’ve provided about our service, and the charity’s intention are correct and have no further comments to add. Under the terms of our complaints procedure, I am therefore
confirming this is our final response. As previously advised, if you remain unhappy with our reply , you may refer your complaint to the Financial Ombudsman Service who’ll complete an impartial review of your concerns. You’ll need to do this within six months
of the date of this email. Information relating to their service can be found using the following link

http://www.financial-ombudsman.org.uk/consumer/complaints.htm
.

Regards

Clare Sharkey

Client Liaison Manager

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

Sent: 24 December 2012 05:01
To: Customer Relations
Subject: Re: Your reference: 1105539

Hi,

I must admit that I've only read the first line of your e-mail now.

You bring my feelings into this.

This I react on.

Then I think you are not a serious business-person.

I therefore would have wanted to please get this escalated to your line-manager.

Erik RIbsskog

On Fri, Dec 21, 2012 at 5:33 PM, Customer Relations <CustomerRelations@stepchange.org> wrote:

Dear Mr Ribsskog

Client reference: 1105539

Complaint reference: 1076/1105539

Further to my previous email which acknowledged your concerns about our recent name change. You’ve told us that you feel our new name is patronising and demoralising. I’m sure you’ll appreciate
it isn’t our intention to upset any of our clients.

Changing our name from Consumer Credit Counselling Service (CCCS) was a bold step for us. Although we help thousands of people every day with their debt problems, and we’re already the UK’s largest
single provider of Debt Management Plans, millions of people still need our help. Becoming StepChange Debt Charity is part of our plan to be more visible and to help even more people.

You’ve told us you dislike our new name but we believe it will help raise awareness of our services and provide a clear message about who we are and what we do. It will help people recognise the
free services we offer and hopefully we’ll become the organisation that people turn to first when looking for debt help.

We’re not here to judge people who contact us. We aim to give them the help and advice they need to take control of their financial situation no matter how they got in to difficulty.

You’ve also raised concern that we’re funded by creditors which has caused you to have doubts about how independent we are. Unlike fee-charging debt management companies, we are funded by creditors.
Their charitable contributions enable us to provide genuinely free advice and support to those who need it. Our advice is always based on what is best for an individual not what is most profitable for us. Creditors do not influence our advice or the debt solutions
we discuss with individuals who need our help.

I hope my explanation helps you understand why we’ve changed our name and that I’ve restored your confidence in our service. I’m sorry you dislike our new name but we hope you’ll continue to use
our free service to guide you through your financial difficulties.

Details of the charity’s formal complaints procedure were sent to you in our initial email. If you aren’t satisfied with this response, you may refer your complaint to the Financial Ombudsman Service
who’ll complete an impartial review of your concerns. You’ll need to do this within six months of the date of this email. Information relating to their service can be found using the following link

http://www.financial-ombudsman.org.uk/consumer/complaints.htm
.

Kind regards

Christina Eccles

Client Liaison Officer

------------------------------------------------------------------------------

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

mandag 24. desember 2012

Jeg sendte en ny e-post til CCCS

Gmail - Your reference: 1105539

Erik Ribsskog
<eribsskog@gmail.com>

Your reference: 1105539

Erik Ribsskog

<eribsskog@gmail.com>

Mon, Dec 24, 2012 at 5:01 AM

To:
Customer Relations <CustomerRelations@stepchange.org>

Hi,

I must admit that I've only read the first line of your e-mail now.

You bring my feelings into this.

This I react on.

Then I think you are not a serious business-person.

I therefore would have wanted to please get this escalated to your line-manager.

Erik RIbsskog

On Fri, Dec 21, 2012 at 5:33 PM, Customer Relations <CustomerRelations@stepchange.org> wrote:

Dear Mr Ribsskog

Client reference: 1105539

Complaint reference: 1076/1105539

Further to my previous email which acknowledged your concerns about our recent name change. You’ve told us that you feel our new

name is patronising and demoralising. I’m sure you’ll appreciate it isn’t our intention to upset any of our clients.

Changing our name from Consumer Credit Counselling Service (CCCS) was a bold step for us. Although we help thousands

of people every day with their debt problems, and we’re already the UK’s largest single provider of Debt Management Plans, millions of people still need our help. Becoming StepChange Debt Charity is part of our plan to be more visible and to help even more
people.

You’ve told us you dislike our new name but we believe it will help raise awareness of our services and provide a

clear message about who we are and what we do. It will help people recognise the free services we offer and hopefully we’ll become the organisation that people turn to first when looking for debt help.

We’re not here to judge people who contact us. We aim to give them the help and advice

they need to take control of their financial situation no matter how they got in to difficulty.

You’ve also raised concern that we’re funded by creditors which has caused you to have

doubts about how independent we are. Unlike fee-charging debt management companies, we are funded by creditors. Their charitable contributions enable us to provide genuinely free advice and support to those who need it. Our advice is always based on what is
best for an individual not what is most
profitable for us. Creditors do not influence our advice or the debt solutions we discuss with individuals who need ourhelp.

I hope my explanation helps you understand why we’ve changed our name and that I’ve restored your confidence in our

service. I’m sorry you dislike our new name but we hope you’ll continue to use our free service to guide you through your financial difficulties.

Details of the charity’s formal complaints procedure were sent to you in our initial email. If you aren’t satisfied with this response,

you may refer your complaint to the Financial Ombudsman Service who’ll complete an impartial review of your concerns. You’ll need to do this within six months of the date of this email. Information relating to their service can be found using the following
link http://www.financial-ombudsman.org.uk/consumer/complaints.htm.

Kind regards

Christina Eccles

Client Liaison Officer

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

onsdag 28. november 2012

Jeg fikk en ny e-post fra Step Change

Gmail - Your reference: 1105539

Erik Ribsskog
<eribsskog@gmail.com>

Your reference: 1105539

Customer Relations

<CustomerRelations@stepchange.org>

Wed, Nov 28, 2012 at 10:41 AM

To:
"eribsskog@gmail.com" <eribsskog@gmail.com>

Dear Mr Ribsskog

Client reference: 1105539

Complaint reference: 1076/1105539

I’m writing to confirm that a formal complaint has been registered on your behalf following receipt of your recent

email to our Q&A Team which explains you’re unhappy about our recent name change. Please accept our apologies for the delay in this being passed to us.

A full investigation of your concerns will be carried out by the Client Liaison Team in line with the charity’s formal complaint handling procedure. I’ve attached

details of our process at the bottom of this email for your reference.

We’ll contact you again in due course with more information.

When you receive our response, if you feel your concerns haven’t been resolved to your satisfaction, you can refer the matter to the Financial Ombudsman Service.

Details of their service will be attached with our reply.

Kind regards

Christina Eccles

Client Liaison Officer

_________________________________________________________________________

Complaints Process

Help us to help you

We’re fully committed to giving you the highest standard of service and customer care. If you don’t think we’ve done this,

please tell us so we can look into this and hopefully give you an outcome you’re happy with.

To do this, write to our Client Liaison Manager

at:

StepChange Debt Charity

Wade House

Merrion Centre

Leeds

LS2 8NG

Please give as much information about your complaint as possible and how you’d like us to resolve this.

As soon as we’ve received your complaint, we will:

Send you written confirmation within 5 working days

Start investigating it. We aim to send you an outcome within 4 weeks. If we can’t do this we’ll send you an update

We always aim to send you a final response within 8 weeks of receiving your complaint.

If we can’t do this, we’ll write to you explaining why and when we’ll be able to give you an outcome.

If we take more than 8 weeks after receiving your complaint to reply to you, or you don’t

think our outcome has resolved your complaint, you can write to:

Financial Ombudsman Service (FOS)

South Quay Plaza

183 Marsh Wall

London E14 9SR

Or you can email them at

complaint.info@financial-ombudsman.org.uk

For more information, you can visit

www.financial-ombudsman.org.uk or call them on

0845 080 1800.

You must refer your complaint to the Financial Ombudsman Service within 6 months of the date on our final response.

tirsdag 13. november 2012

Jeg sendte en e-post til Step Change, (tidligere CCCS)

Gmail - Stepchange Debt Charity

Erik Ribsskog
<eribsskog@gmail.com>

Stepchange Debt Charity

Erik Ribsskog

<eribsskog@gmail.com>

Tue, Nov 13, 2012 at 5:45 PM

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

Hi,

I don't like the name Step Change.

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

Isn't that what your new name means?

Erik Ribsskog

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

Good afternoon

Thanks for your recent email.

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

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

Thanks

Lauren

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

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

Hi,

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

Where did you find my e-mail?

Erik Ribsskog

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

Good afternoon

Thank you for your email.

Could you confirm your web/client reference ?

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

Thanks

Donna

Hi,

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

Best regards,

Erik Ribsskog

PS.

Here is more about this:

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 8, 2012 at 10:49 PM

To:
contact@dmpay.co.uk

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

Hi,

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

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

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

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

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

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

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

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

But you are perhaps a department of Barclays?

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

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

Sorry about the problems with this!

Yours sincerely,

Erik Ribsskog

dml

november.jpg

114K

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

47998755

- Barclays Bank - BVDM1R

Dear Mr Erik Ribsskog

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

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

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

To avoid this action, please call our legal recoveries department immediately on 08448425291 or make your payment online at
dmpay.co.uk using your reference number and unique password 676P962.

Sam N Parcs
Supervisor
Sam.n.parcs@debt-managers.co.uk

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

Any

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

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The information
transmitted is confidential and intended only for the person or entity to which it is addressed and may contain confidential and/or legally privileged material. If you are not the intended recipient of this message, please notify the sender immediately and
confirm to us that it has been destroyed. You are strictly prohibited from using , copying or disseminating this message or any information it contains to anyone other than the intended recipient.

Debt Managers
Ltd. Registered in Scotland (registered no. 219618).

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

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torsdag 8. november 2012

Jeg sendte en e-post om budsjett

Gmail - CCCS

Erik Ribsskog
<eribsskog@gmail.com>

CCCS

Erik Ribsskog

<eribsskog@gmail.com>

Thu, Nov 8, 2012 at 6:29 PM

To:
Correspondence Queries <client.services@stepchange.org>

Hi,

what's this Stepchange?

Have the CCCS been closed down?

Regards,

Erik Ribsskog

On Thu, Nov 8, 2012 at 3:58 PM, Correspondence Queries <client.services@stepchange.org> wrote:

Dear Client

Thank you for your email.

/div>

We need further details from you before we can deal with your query. As well as your full name, please also provide us with two of the following pieces of information:

• Your client reference number.

• Your full postal address including postcode.

• Your phone number.

• The creditor name, reference number and balance of one of the debts that we have record of.

If you can forward your query back to us with this information we will deal with this as soon as possible.

If you have any further queries, please contact us on 08442 643 643, lines are open 8am to 6pm, Monday to Friday, you can email us at client.service@stepchange.org.

You can also keep us updated about your details through our website, at www.stepchange.org.

Kind regards

Sarah

Correspondence advisor

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

Sent: 31 October 2012 14:10
To: Q&A
Cc: Correspondence Queries
Subject: Re: CCCS

Hi,

thank you very much for your e-mail.

I'll copy this e-mail to your client services-depatment then.

Maybe they can give me advice on how to get Wescot to delete my debt.

Because they contact me all the time with their e-mails and 'funny' letters.

So I think that's the only way to get them to stop wasting my time.

I've promised them I'll start to pay them token-payments when I get my Jobseekers Allowance back.

Still they harass me and sabotage against me, like I explain about in more detail in the e-mail you replied to.

Thanks again for the advice!

Best regards,

Erik Ribsskog

On Wed, Oct 31, 2012 at 10:56 AM, Q&A <contactus@cccs.co.uk> wrote:

Good morning

Thank you for your recent e-mail.

As stated in the below emails the address that you need to send any such correspondence to is

client.services@cccs.co.uk

Thank you for contacting CCCS.

If you have any further queries you can reply to this e-mail, use Online Chat or call us on free-phone

0800 197 1704 (weekdays 8am until 8pm).

Kind regards

Lauren

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 30 October 2012 15:29
To: Contact Us
Cc: Q&A
Subject: Re: Wescot ResponseRE: Correspondence Reply

Hi,

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

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

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

And that you have made me waste my time since your partner Capital One and yourselves haven't been able to accept my token-payment-offer like other companies like Swalec, DML and

United Utilities have accepted, almost a year ago.

This is sabotage, I think.

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

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

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

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

So eighter you're ignorant or slow.

So I think you should perhaps find another job.

Like putting spread on sandwiches, or something like that.

Just an advice.

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that

Wescot always attempt to respond with an explanation or resolution as quickly as possible.

Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If

you believe this balance is not due we would require the full details of dispute on this account. Which would allow us to investigate your query with our client.

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

Yours sincerely

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats,

Ayrshire KA21 5JT

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

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

Hi,

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

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

Best regards,

Erik Ribsskog

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

Date 30th October 2012

Dear Mr Ribsskog

Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that

Wescot always attempt to respond with an explanation or resolution as quickly as possible.

In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further

on this, as we haveno details in regards to the balance being deleted.

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

Yours sincereley

Ms H Thundercliffe

Accounts Controller

Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats,

Ayrshire KA21 5JT

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

Sent: 19 October 2012 10:40

To: Correspondence Queries
Cc: offers

Subject: Re: Correspondence Reply

Hi,

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

Do you know this?

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

I'll paste that in this e-mail now.

Best regards,

Erik Ribsskog

PS.

Here's the update e-mail from Saturday:

Hi,/span>

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

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

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

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

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

Now you get back to me.

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

And the Jobcentre is 'messing' with my jobseekers allowance.

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

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

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

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

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

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

And I'm going to do that.

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

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

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

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning Erik,

Thank you for contacting us about Wescot.

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

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

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

Kind regards

Faye

Correspondence Advisor

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

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

Hi,

thank you for your e-mail!

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

Wescot have sent me a budget-form again now.

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

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

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

But they haven't sent me giros or anything.

And this is taking a lot of my time now.

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

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

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

So I now copy this e-mail to Wescot.

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

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

So I hope this will be sorted now.

Thanks again for the e-mail!

Best regards,

Erik Ribsskog

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

Hello Eric

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

Please try not to worry about the contact you have received as this is a standard procedure

for creditors to take. Nelson Guest & Partners are an internal collections department who work on behalf of Wescot to collect the outstanding balance.

As you have contacted this creditor to advise of your current financial situation and

are making token payments, you are doing all you can at this time. If you receive any further contact regarding this matter, please advise of this.

I hope this is helpful and reassuring.

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

Kind regards

Hannah

Correspondence Advisor

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

(Which I've done many times earlier).

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

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

This should be a straight forward tokey-payment agreement.

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

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

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

Erik

---------- Forwarded message ----------

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

Hi,

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

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

Hope this is alright!

Best regards,

Erik Ribsskog

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

Good morning,

Please provide the wescot reference beginning with D3 or DM

Kind regards

Rebecca Stearman

Offers Administrator

email:

offers@wescot.co.uk

From: Erik

Ribsskog [mailto:eribsskog@gmail.com]

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

Hi,

thank you for your e-mail!

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

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

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

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

Thank you very much for the help with this!

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

If I remember it right.

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

Thanks again for the advice!

Best regards,

Erik Ribsskog

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

Hi Erick

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

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

with them.

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

this further with the financial ombudsman service.

You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already

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

I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit

that you carry on making a token payment. It will show that you are willing to pay the account off.

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

I understand you would like to keep the contact in writing but it is also best that you call them to discuss your

concerns. This will eliminate any responses about them not receiving your letters.

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

may be a charge for this request.

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

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

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

for this request.

I hope this has been helpful.

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

you can email us at client.service@cccs.co.uk.

Kind regards

Paul Marshall

Correspondence Co-ordinator

From: Erik

[mailto:eribsskog@gmail.com]

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

Hi,

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

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

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

Please escalate to your line manager.

Regards,

Erik Ribsskog

PS.

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

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

PS 2.

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

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

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

wrote:

Hi Erik

Thank you for contacting us about your account with Wescot.

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

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

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

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

Kind regards

Gurj
Correspondence Advisor

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

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

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

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

Thank you

The Correspondence Team

We are altering the way in which we handle your correspondence to ensure we safeguard your personal

information at all times.

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information

from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

Please make sure you provide this information along with your full name on every communication you send

to us. If not, we will prompt you for these details and this may delay your reply.

Thank you

The Correspondence Team

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Please consider the environment before printing this e-mail.

We are altering the way in which we handle your correspondence to ensure we safeguard your personal

information at all times.

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information

from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

Please make sure you provide this information along with your full name on every communication you send

to us. If not, we will prompt you for these details and this may delay your reply.

Thank you

The Correspondence Team

We are altering the way in which we handle your correspondence to ensure we safeguard your personal

information at all times.

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

The next time you contact us, we will require you to provide us with at least 2 pieces of information

from the list below:

·

Client reference number

·

Postal address

·

Postcode

·

Telephone number

·

Email address

...

[Message clipped]

torsdag 27. desember 2012

Jeg sendte en ny e-post til CCCS/Stepchange

mandag 24. desember 2012

Jeg sendte en ny e-post til CCCS

onsdag 28. november 2012

Jeg fikk en ny e-post fra Step Change

tirsdag 13. november 2012

Jeg sendte en e-post til Step Change, (tidligere CCCS)

torsdag 8. november 2012

Jeg sendte en e-post om budsjett

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