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lørdag 9. april 2022

Jeg sendte en e-post til BN Bank

Erik Ribsskog <eribsskog@gmail.com>

Kassakreditt

Erik Ribsskog <eribsskog@gmail.com> 9. april 2022 kl. 18:58

Til: BN Bank <post@bnbank.no>

Kopi: kundeservice@sbanken.no, post <post@finkn.no>

Hei,

jeg er sosial-klient for tida.

Men det var jeg i England og, under finanskrisen.

Og da fikk jeg et kredittkort, fra et firma, som het Vanquis, (eller noe), i 2014, (var det vel).

Så jeg tenkte jeg kunne prøve her og, siden at vaskemaskinen har gått i stykker.

Hvis jeg kun søker om 5.000, så er det kanskje høyere sjanse.

(Selv om 10.000 hadde vært bra det og.

For jeg trenger også en ny sofa, blant annet.

Siden at den gamle røk).

Jeg får husbank-støtte den tjuende, så den datoen passer bra.

(Eller kanskje den tjuefemte.

For da har jeg noen dager til å sende pengene).

Jeg er ungkar.

Jeg leier og husleia er 10.400, men den betaler Nav, (og de betaler også strøm).

Jeg får cirka 6.500 netto hver måned, i livsopphold-støtte, og noen måneder så får jeg også strøm-støtte, så man kan godt plusse på en tusenlapp, for å si det sånn.

Jeg har gjeld fra før, (fra 90-tallet, (da jeg jobbet som Rimi-butikksjef), før jeg flytta til England, i 2004).

Men jeg har en avtale, med kreditorene, om at jeg skal begynne å betale de, når jeg får en ny jobb.

Så dette nye kredittkortet får første-prioritet.

Mvh.

Erik Ribsskog

fre. 8. apr. 2022 kl. 08:19 skrev BN Bank <post@bnbank.no>:

Hei.

Hehe artig melding!

Vi kan søke om kredittkort for deg, da behøver vi svar på følgende:

Ønsket kredittgrense: (Beløp: 5000-75000)

Ønsket forfallsdato: (01, 10, 15 eller 20)

Sivilstatus: (Gift, samboer, ugift, etc)

Boforhold: (Selveier, aksjeleilighet, borettslag, leier, etc)

Evt. egen andel felleskostnader/leiekostnader pr mnd (Beløp)

Inntektsgrunnlag: (Fast ansatt, pensjonist, vikar, ufør, etc)

Årsinntekt før skatt: (Beløp)

Arbeidsgiver: (Navn)

Totalt utbetalt pr mnd etter skatt: (Beløp)

Andre inntekter i løpet av et år: (Leieinntekter, kapitalinntekter, etc)

Egen andel av bolig-/hyttelån: (Beløp)

Studielån: (Beløp)

Lån til bil/båt/MC: (Beløp):

Hører fra deg.

Vennlig hilsen Jørgen Heggen

Kundekonsulent

Telefon 73892000 • www.bnbank.no

From: Erik Ribsskog <eribsskog@gmail.com>

Sent: Thursday, April 7, 2022 8:54 AM

To: BN Bank <post@bnbank.no>

Cc: kundeservice@sbanken.no; post <post@finkn.no>

Subject: Re: Kassakreditt

Skjønner,

men det jeg tenkte på, var at det bank-kortet deres, så skrekkelig stygt ut, med sine signal-røde fremtoning.

Så om jeg kunne ha fått et sånt svart kort også, (sånn credit-kort vel).

Så kunne jeg har brukt det, i nattklubben, på Kiel-ferja, osv.

For der er det så ampert fra før, (med 'pingvin-kledde' folk osv., som går ned andre osv.).

Så jeg er litt redd for hva som vil skje, hvis jeg har et rødt bankkort, som jeg betaler med, i baren der.

Da smeller det vel, tenker jeg.

Så det må jeg klage på.

Skjerpings!

Erik Ribsskog

tor. 7. apr. 2022 kl. 08:17 skrev BN Bank <post@bnbank.no>:

Hei.

Beklager. Vi tilbyr dessverre ikke kassakreditt i BN Bank pr i dag.

Ønsker deg en god dag.

Vennlig hilsen Jørgen Heggen

Kundekonsulent

Telefon 73892000 • www.bnbank.no

From: Erik Ribsskog <eribsskog@gmail.com>

Sent: Wednesday, April 6, 2022 6:37 PM

To: BN Bank <post@bnbank.no>

Cc: kundeservice@sbanken.no

Subject: Fwd: Kassakreditt

Hei,

jeg sender om det samme til dere.

Jeg har tenkt til å bytte 'hoved-bank' fra Nordea, (som jeg er misfornøyd med, etter mange år).

Men da skulle jeg gjerne hatt en liten kassakreditt, eller lån, fram til den tjuende.

For Nav har lurt meg litt, med et vedtak.

Jeg trodde jeg skulle få penger, den første april.

Men det skjedde ikke, (og de svarer ikke på klagen).

Husker at jeg hadde en sånn kassakreditt, på cirka 3.000, hos Kredittkassen, på midten/slutten av 90-tallet.

(Før jeg ble butikksjef, (på Rimi Nylænde), og bytta til DNB og hadde billån, stor kassakreditt og Mastercard osv., hos dem.

Så måtte jeg flytte/flykte til England, i 2004, og så bodde jeg der i ti år).

På forhånd takk for eventuell hjelp!

Mvh.

Erik Ribsskog

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

Fra: Erik Ribsskog <eribsskog@gmail.com>

Date: tir. 5. apr. 2022 kl. 22:29

Subject: Kassakreditt

To: <kundeservice@sbanken.no>

Hei,

jeg har hatt brukskonto hos Nordea siden 2014 (da jeg flytta tilbake fra England).

Men selv om jeg er en lojal kunde hos de, så har de nekta meg kassakreditt.

Nav har nemlig surra med et vedtak (og svarer ikke på klage).

Så jeg får ikke penger (til mat/husholdning) før jeg får bostøtten den tjuende.

Og vaskemaskinen har også røket.

Så jeg trenger egentlig en kassakreditt på cirka 2.000 til mat/husholdning, (fram til 20. april).

Pluss cirka 3.000 til ny vaskemaskin.

Og så overfører jeg da Husbanken-støtte og Nav-støtte gradvis til denne brukskontoen.

Håper dette er i orden!

Mvh.

Erik Ribsskog

mandag 12. februar 2018

Mer om budsjett

Erik Ribsskog

RE: Your reference: 198760613 (Thread:2253564)

Erik Ribsskog 12. februar 2018 kl. 23:52

Til: Customer Services

Kopi: "post@inkassoklagenemnda.no"

Hi,

could you please confirm that you have received this payment now.

Regards,

Erik Ribsskog

2017-12-15 11:06 GMT+01:00 Customer Services :

Good morning,

Thanks for your email.

Authorising this email address

As we don’t have confirmation that this email address is for you, we’d be grateful if you could confirm the following for security purposes:

Your date of birth.

Your current address, including your postcode.

If you’d prefer, you can confirm this email address by registering on our secure customer website at www.lowell.co.uk or by calling our team on 0333 556 5733.

If the security checks are not completed, I’ll be unable to continue corresponding by e-mail.

Kind regards,

Matthew

Lowell Financial, part of Lowell

T: 0333 556 5733

Email: post@lowellgroup.co.uk

Opening Times: Monday - Friday 08:00 to 20:00, Saturday 08:00 to 14:00

Website: www.lowell.co.uk

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

Sent: 14 December 2017 23:39

To: post@lowellgroup.co.uk

Subject: Your reference: 198760613 (Thread:2253564)

Hi,

I'm refering to your letter from 11/12.

I've now arranged a payment from my account with RBS, of the £304.14, that I owe you/Vanquis.

(Since I've now finally managed to sell some property in Norway, after many many years).

So you should receive this payment one of the next days.

Thanks for the loan.

Regards,

Erik Ribsskog

This email and any files transmitted with it are confidential and intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. If you have received this email in error, please notify the sender and delete the email from your records. Warning: although Lowell Financial Ltd. has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. cannot accept responsibility for any loss or damage arising from the use of this email or attachments and it is recommended that you check all emails with an appropriate virus scanner.

Lowell Financial Ltd of Ellington House, 9 Savannah Way, Leeds Valley Park, Leeds, LS10 1AB is a limited company registered in England and Wales under company number 4558936. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts.

Our customer service is rated as ‘Exceptional’ by Investor in Customers - the independent customer experience consultancy’s highest accolade. Over 2,000 customers shared their views in 2017.

fredag 15. desember 2017

Jeg sendte en e-post til Lowell

Erik Ribsskog

Your reference: 198760613

Erik Ribsskog

14. desember 2017 kl. 23:39

Til: post@lowellgroup.co.uk

Hi,

I'm refering to your letter from 11/12.

I've now arranged a payment from my account with RBS, of the £304.14, that I owe you/Vanquis.

(Since I've now finally managed to sell some property in Norway, after many many years).

So you should receive this payment one of the next days.

Thanks for the loan.

Regards,

Erik Ribsskog

fredag 22. august 2014

Jeg sendte en e-post til Vanquis

Erik Ribsskog

Vanquis Bank - Refund Offer

Erik Ribsskog Fri, Aug 22, 2014 at 8:26 PM

To: Resolve

Hi,

yes, I have a cheque-book here.

So I'm going to send you a cheque, for the money, that I owe you.

It would have been practical, to get a bit higher credit-limit, (for the bank-holiday etc., since not all supermarkets etc. accept cheques).

Thanks in advance for any help with this!

Yours sincerely,

Erik Ribsskog

On Wed, Aug 20, 2014 at 10:48 AM, Resolve <Resolve@vanquisbank.co.uk> wrote:

Dear Erik Ribsskog,

Thanks for getting in touch. Unfortunately we are unable to increase your credit limit. However, looking at your account, I can offer you a refund of £12.00 if you pay £20.36 by 27.08.14, this will then bring your account up to date. If this sounds of interest, let me know and I can apply this to your account.

Please note, refunds will not be issued until receipt of the payment above.

Yours sincerely,

Rebeca

Collections Team, Vanquis Bank

Vanquis Bank Limited can be contacted at its registered office, which is at Provident Financial plc , No. 1 Godwin Street, Bradford BD1 2SU. Registered number 2558509 England. Consumer Credit licence number 532364. VAT number 180555952. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

Resolve

Resolve@vanquisbank.co.uk

P Help save the environment. Please don't print this e-mail unless it's absolutely necessary

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

Vanquis Bank Limited. Registered Office: No. 1 Godwin Street, Bradford, BD1 2SU. Registered No. 2558509 England.

Confidentiality. This email (and any attachments) is confidential and intended for the recipient(s) only. This email may include proprietary and/or privileged information. If you receive this email in error, please immediately notify the Vanquis Service desk (servicedesk@vanquisbank.co.uk) and then immediately and permanently delete the email (and any attachments). Do not show, distribute or copy the contents of this email or any attachments to anyone.

Warning. Although Vanquis Bank has taken reasonable precautions to ensure that no viruses are present in this email or attachments, the security of internet communications cannot be guaranteed and therefore, Vanquis Bank will not accept any liability for loss or damage arising from receipt of this email including any attachments.

Any statements or opinions contained in this email or attachments are those of the author and do not necessarily reflect the views of Vanquis Bank.

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

lørdag 16. august 2014

Jeg sendte en e-post til Vanquis

Erik Ribsskog

Private and Confidential

Erik Ribsskog

Sat, Aug 16, 2014 at 9:35 AM

To: Resolve@vanquisbank.co.uk

Cc: Contact-Us , CONTACT-US , DWP ICE gateway team , Q&A

Bcc: "steve.rotheram.mp" , "emb.london" , post , Legal LSC , she , Politikk Høyre , Akademikerforbundet , LHT Customer Service , Runcorn Office , Info , Bjørn Ribsskog , admin , ITCGM- Norwegian Consulate , "hv-02.kontakt" , "anne-kathrine.skodvin" , "post@nav.no"

Hi,

I'm waiting to receive my jobseekers-allowance.

The Jobcentre owes me more than £1200 in jobseekers allowance, since January.

That's why I applied for your credit-card, last month.

I was a bit disapointed, when I got your credit-card, in the post, and it was only a credit, of £150.

Then I had gotten £100 sent from you, to my bank-account, on 25/7.

And when I got your credit card in the post, around a week later, then I withdrew the last £50, from a cash-point.

So I think it sounds a bit strange, that the account, is overdrawn.

Could this be right, I was wondering.

Could I perhaps get a bit higher credit-limit, while I wait for the more than a thousand pounds, that the Jobcentre owes me?

Thanks in advance for any help with this!

Yours sincerely,

Erik Ribsskog

On Sat, Aug 16, 2014 at 9:21 AM, <Resolve@vanquisbank.co.uk> wrote:

Vanquis.com | PayVanquis.com Reply

Your Account is Over Limit

Dear ERIK RIBSSKOG
You are currently over your agreed credit limit by £20.36. We are now writing to ask that you make a payment to your account. If you do not make a payment further fees may apply.
It is simple to make a payment or set up a promise to pay, to do so click on the links below!

Please be aware, the amount stated above does not include your upcoming payment.

Contact us:

TEXT
07797800842 REPLY
TO
THIS
EMAIL MAKE A
PROMISE MAKE A
PAYMENT

Kind regards,
Vanquis Bank

Alternatively you can speak with an agent on 0871 770 4182*.
*Calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls to 0844 numbers will be charged at 5p per minute from a BT landline. Calls from mobiles and other networks may vary. Vanquis Bank Limited. Registered Office: No. 1 Godwin Street, Bradford, BD1 2SU. Registered number 02558509 England. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156) except for credit cards and loans until 31st March 2014 where Vanquis Bank is licensed by the Office of Fair Trading (Consumer Credit licence number 532364)
**Texts to this mobile number will be charged at network rates.