
https://www.facebook.com/groups/950141575107289
PS.
Her er mer om dette:

(Samme link som overfor)
PS 2.
Enda mer om dette:

(Samme link som overfor)
PS 3.
Og enda mer om dette:

(Samme link som overfor)

https://www.facebook.com/groups/950141575107289
PS.
Her er mer om dette:

(Samme link som overfor)
PS 2.
Enda mer om dette:

(Samme link som overfor)
PS 3.
Og enda mer om dette:

(Samme link som overfor)
Erik Ribsskog <eribsskog@gmail.com>
NOTIFICATION OF ENFORCEMENT FOR UNPAID FINES - ACCOUNT REF 27154865
Erik Ribsskog <eribsskog@gmail.com> 10. juli 2026 kl. 14:31
Til: customercare@contactcder.co.uk
Kopi: ntubbs@cdergroup.co.uk, hmcts-complaints@contactcder.co.uk, support@resolver.co.uk, HMCTS.Compliance@justice.gov.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, HRW UK <hrwuk@hrw.org>, "postmottak@sivilombudet.no" <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, "report@phishing.gov.uk" <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, "post@unio.no" <post@unio.no>, "post@hk.no" <post@hk.no>, Post <post@forbrukerradet.no>, Postmottak <postmottak@forbrukertilsynet.no>, "postmottak@dfd.dep.no" <postmottak@dfd.dep.no>, "mail@retshjaelpen.dk" <mail@retshjaelpen.dk>, "h.bleken@haavind.no" <h.bleken@haavind.no>, "goa@gjeld.org" <goa@gjeld.org>, Postkasse <postkasse@datatilsynet.no>, "post@rettferdnorge.no" <post@rettferdnorge.no>, "newsdesk@independent.co.uk" <newsdesk@independent.co.uk>, "contactus@amnesty.org" <contactus@amnesty.org>, "samediggi@samediggi.no" <samediggi@samediggi.no>, lie@elden.no
Hi there,
I haven't lived in the UK since 2017.
So I wonder which debt this is about.
You have probably been visiting the new tenants, who are now renting my old flat, in Osborne Road, in Tuebrook, in Liverpool.
(Where I had to leave a lot of furniture, and TV, etc. (in 2017).
Because I had to run back to Norway, because of a murder of justice-case, from the courts in Liverpool.
They have accused me of sending perverted e-mails to a Jobcenter-staff.
After I was put on a type of 'hell-regime-programme' (not ordered by the ministry, if I should guess) at Aintree Jobcenter, in 2012 or 2013.
There are some internet-trolls, who send these e-mails to do swatting against me.
Since I have an 'emergency/rights-blog', after someone tried to murder me, at my mothers younger brothers farm in Norway, in 2005.
Something that the Police (both in Norway and the UK) refuse to investigate).
Erik Ribsskog
PS.
I'm also unemployed at the moment, and I have recently been discussing a similar case (to do with an old electricity-bill, from around 2010) with Lowell UK (since I've been unemployed for many years).
And I'm currently sending a token-payment each month, to Lowell UK.
(Even if this is quite expensive.
Due to that my Norwegian bank (Nordea) charge 75 NOK for each international payment (that I send to Lowell UK every month) from my bank-account).
So I guess I could set up a similar arrangement for this debt.
But first it would be ok to know exactly which debt this is to do with.
Have you forgotten to send an attachment, where this is explained more about, I'm wondering.
fre. 10. juli 2026 kl. 06:57 skrev <customercare@contactcder.co.uk>:
Dear ERIK RIBSSKOG,
You were visited by one of our Enforcement Agents regarding money you owe for Financial Impositions issued to you by HMCTS.
You can make your payment now using this link https://hmcts-customer.cdergroup.co.uk/portal/paylink/yy3zsqthhwq1 or contact our dedicated team on 0330 159 6553 to discuss your payment options. Alternatively log in and manage your account online at https://customer.cdergroup.co.uk/portal to avoid further visits when the Enforcement Agent may take Control of your goods for sale at auction to cover the value of the outstanding financial imposition and fees.
Best regards,
CDER Group
Useful links:
Make a payment or manage your CDER Group account online: customer.cdergroup.co.uk
General information and common questions: cdergroup.co.uk/contact
Where to find independent advice and support: cdergroup.co.uk/contact/independent-advice
CDER GROUP
CDER Group Limited is registered in England and Wales.
Company No: 04118149
Registered address: 10 Lloyds Avenue, London, EC3N 3AJ
This email and its attachments are confidential and meant for the use of the intended recipient only. Anyone receiving this email in error should notify the sender immediately, and delete this email from your system without copying, forwarding, disseminating or placing any reliance upon its contents. The recipient should check this email and any attachments for the presence of viruses. CDER Group accepts no liability for any damage caused by any virus transmitted by this email. CDER Group may monitor incoming and outgoing emails in line with current legislation. Please consider the environment before printing this email.
PS.
Her kan man se at jeg er i slekt med kong Charles (siden at det vel er hans domstoler som tuller):

Erik Ribsskog <eribsskog@gmail.com>
Klage på Lowell
Erik Ribsskog <eribsskog@gmail.com> 7. april 2026 kl. 02:38
Til: post <post@finkn.no>
Kopi: post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, HRW UK <hrwuk@hrw.org>, "postmottak@sivilombudet.no" <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, "report@phishing.gov.uk" <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, "post@unio.no" <post@unio.no>, "post@hk.no" <post@hk.no>, Post <post@forbrukerradet.no>, Postmottak <postmottak@forbrukertilsynet.no>, "postmottak@dfd.dep.no" <postmottak@dfd.dep.no>, "mail@retshjaelpen.dk" <mail@retshjaelpen.dk>, "h.bleken@haavind.no" <h.bleken@haavind.no>, "goa@gjeld.org" <goa@gjeld.org>, Postkasse <postkasse@datatilsynet.no>, "post@rettferdnorge.no" <post@rettferdnorge.no>, "newsdesk@independent.co.uk" <newsdesk@independent.co.uk>, "contactus@amnesty.org" <contactus@amnesty.org>, "samediggi@samediggi.no" <samediggi@samediggi.no>, lie@elden.no, post <post@finanstilsynet.no>
Hei,
jeg har nettopp funnet ut, at en Lowell-ansatt ved navn Tony Romestrand, driver og skriver masse piss, på min Facebook-side.
(Se vedlegg).
Dette må vel kalles personforfølgelse.
Jeg har rapportert dette til Facebook.
Men jeg tenkte, at jeg burde også klage til Inkassoklagenemnda, som det het før.
Så jeg sender klage til Finansklagenemnda (som det heter nå) på Lowell.
Selv om hverken Inkassoklagenemnda eller Finansklagenemnda noengang har gjort noe, når jeg har klaget til de.
(Spesielt Nordea har jeg klaget på flere ganger, uten å ha fått svar.
Husker jeg).
Nå så jeg, at det stod på nettsiden deres.
At dere nekter å behandle klager sendt per e-post.
Men jeg har gått på handel og kontor.
Og jeg har lært at folk/borgere gjerne må klage, ved å bruke vanlig språk, osv.
Så det ikke skal være nødvendig, å fylle ut, masse byråkratiske skjemaer, osv.
(Ifølge mine handel og kontor-lærere.
Som Helle Brynhildsen Jahre (på Sande videregående) osv.).
Så dette må jeg klage på.
Skjerpings!
Erik Ribsskog
2 vedlegg
trakassering melding facebook.png
549K
tony romestrand lowell.png
289K
PS.
Her er vedleggene:



PS.
Jeg rapporerte denne mobbingen/trakasseringen til Facebook:

PS 2.
Her er mer om dette:

PS 3.
Jeg har sett at Johan Golden har et TV-program, hvor han klager på Mark Zuckerberg.
(Facebook sin eier/grunnlegger).
Og jeg skjønner egentlig, at folk klager på Facebook.
For jeg kan ikke se, at jeg har fått noe varsel, om disse meldingene.
(Det var egentlig snakk om to meldinger.
Men den første sletta jeg.
Før jeg tenkte, at dette burde jeg kanskje blogge om osv.).
Selv om jeg får varsel, om alt mulig annen ‘dritt’.
(For å si det sånn).
Så Facebook er muligens litt for ‘russisk’.
(Noe jeg også har blogget om tidligere).
Så sånn er muligens det.
Bare noe jeg tenkte på.
Med hilsen
Erik Ribsskog
PS 4.
Hvis jeg må forklare mer om dette.
Så har jeg ingen datter.
Og min far dro til USA på 80-tallet (og ikke til Thailand).
(For å si det sånn).
Så sånn er det.
Bare noe jeg tenkte på.
Men men.
PS 5.
Han fysaken (Tony Romestrand) jobber visst for Lowell:

Erik Ribsskog <eribsskog@gmail.com>
Bekreftelse på kansellert ordre FK-3800 fra Fjordkraft Mobil Nettbutikk
Erik Ribsskog <eribsskog@gmail.com> 9. desember 2025 kl. 13:10
Til: Fjordkraft kundeservice <kundeservice@fjordkraft.no>
Kopi: PostNord Kundeservice <kundeservice.no@postnord.com>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, post@rettferdnorge.no, newsdesk@independent.co.uk, contactus@amnesty.org, Fjordkraft kundeservice <kundeservice@fjordkraft.no>, presse.no@postnord.com, postmottak@sd.dep.no, hei@elhub.no, nve@nve.no, rme@nve.no, elklage@elklage.no, Forbrukerombudet <postjournal@forbrukerombudet.no>, Forbrukerrådet <epost@forbrukerradet.no>, NKOM <firmapost@nkom.no>, Post <post@brukerklagenemnda.no>
Hei,
det er ikke riktig at jeg har kansellert noen bestilling.
(Som dere skriver).
Det var noe tull med PostNord, som skulle gjennomføre noe 'Bank-ID-tull'.
Selv om jeg var gjennom det flere ganger, i forbindelse med bestillingen.
Så da prøvde jeg et par ganger til (med og uten kredittsperre).
Og da la jeg merke til at Svea sitt interface (som dere bruker) var litt lunefullt, når det gjelder hvilket kontakt/mobil-nummer man har.
(Det som man ønsker å portere til, kommer opp automatisk.
Og det er ofte delvis gjemt, bak '*-symbolet').
Jeg prøver å bytte mobil-leverandør.
Men Lowell har gjort noe tull (må jeg si) sånn at jeg får dårlig kreditt-score.
Og så nekter dere meg å kjøpe mobil-abonnement (selv om dere lot meg kjøpe strøm-abonnement, under pandemien, og etter det, så har ikke jeg hatt noen inkasso-saker, annet enn at Nav betaler mine strøm-regninger for tida (siden at jeg Nav-er) men de glemmer noen ganger å gjøre dette, og da får inkasso-byråer på nakken).
Når det gjelder den første bluetooth-høytaleren som jeg bestilte, så fulgte det med et mobil-abonnement.
Men det ble jeg nekta.
(Av Fjordkraft Mobil).
Men jeg tenkte, at jeg trenger fortsatt mobil-abonnement.
Og det er litt stusselig med Mono-lyd.
Så jeg prøvde å bestille et par ganger til (først med kredrittsperre (som er noe herk og heft) og så uten kredittsperre).
Så jeg har bestilt to mobil-abonnement+høyttaler til.
Jeg tenkte at det kan være greit/kult å ha tre sånne høyttallere.
Men jeg trenger ikke mer enn et mobil-abonnement.
(Jeg ble nektet dette alle de tre gangene jeg prøvde å bestille).
Det er noe nett-troll, som bestiller masse dritt, i mitt navn (eller i tulle-versjoner av mitt navn) på nettet, fra firmaer med dårlige rutiner.
Så derfor har jeg blitt anbefalt å ha på kredittsperre.
Men det noe heft/herk/stress, å drive med.
Det er også sånn, at man må drive å slå denne kredittsperren av og på, hos både Experian og Dun & Bradstreet.
Og man må vente, en halvtime, for at kredittsperre-valget skal aktiveres.
Og så kan man prøve å bestille.
Og så må man skru på kredittsperren igjen (etter å ha prøvd å bestille) både hos Experian og Dun & Bradstreet.
Så jeg driver nok med Bank-ID fra før, om ikke dere skal mase unødvendlig mye om dette.
Dette med Bank-ID er vel noe 'sær-norsk' (eller 'sær-svorsk') som kanskje har tatt av litt mye.
Dette må jeg klage på.
Jeg ønsker svar fra en overordnet om dette.
Skjerpings!
Erik Ribsskog
---------- Forwarded message ---------
Fra: <ikkesvar@fjordkraftmobil.no>
Date: tir. 9. des. 2025 kl. 12:02
Subject: Bekreftelse på kansellert ordre FK-3800 fra Fjordkraft Mobil Nettbutikk
To: <eribsskog@gmail.com>
Takk for din bestilling! Ordren blir nå klargjort.
Ditt ordrenummer er: FK-3800
Vi bekrefter at din ordre har blitt kansellert.
Leveringsinformasjon
Leveringsaddresse Erik Løvenbalk Ribsskog
(Sladdet av johncons-blogg)
(Sladdet av johncons-blogg) Bekkestua
Frakttype PostNord MyPack Collect
Kundeinformasjon Erik Løvenbalk Ribsskog
(Sladdet av johncons-blogg)
eribsskog@gmail.com
Ordreinformasjon
Fakturaadresse Erik Løvenbalk Ribsskog
(Sladdet av johncons-blogg)
(Sladdet av johncons-blogg) Bekkestua
Betalingsvalg Svea Checkout
Fakturareferanse -
Ordredato 08.12.25
Ordrestatus Under behandling
Produkt Antall Pris Totalt
MusicSound Aura 20 Bluetooth høyttaler
Kansellert: Kansellert av kunden
1 799,-
1,- 799,-
1,-
MusicSound Aura 20 Bluetooth høyttaler
Kansellert: Kansellert av kunden
Antall 1
Pris 799,- 1,-
Totalt 799,- 1,-
Abonnement : Fri Data Basis
Kansellert: Kansellert av kunden
Avtaletype : Videreføring av nummer
Etternavn : Ribsskog
By/sted : Bekkestua
Adresse : (Sladdet av johncons-blogg)
Nummer som skal porteres : (Sladdet av johncons-blogg)
Postnummer : (Sladdet av johncons-blogg)
Fornavn : Erik
e-post : eribsskog@gmail.com
Fødselsdato : 1970-07-25
Abonnement : Fri Data Basis
Kansellert: Kansellert av kunden
Avtaletype : Videreføring av nummer
Etternavn Ribsskog
By/sted Bekkestua
Adresse (Sladdet av johncons-blogg)
Nummer som skal porteres (Sladdet av johncons-blogg)
Postnummer (Sladdet av johncons-blogg)
Fornavn Erik
e-post eribsskog@gmail.com
Fødselsdato 1970-07-25
Frakt 39,-
Totalpris (inkl. 25% mva) 39,-
Mva. 7,80
Takk for at du valgte oss!
Har du spørsmål om bestilingen kan du ta kontakt med Fjordkraft Mobil kundeservice på telefon; 55 52 67 00. Vennligst ha ditt ordrenummer klart ved henvendelse.
Fjordkraft Mobil
Folke Bernadottes vei 38, 5147 Fyllingsdalens
Erik Ribsskog <eribsskog@gmail.com>
RE: [HENVENDELSE:16606643] Fwd: Klage/Fwd: 📦 Pakken avventer id-kontroll
Erik Ribsskog <eribsskog@gmail.com> 8. desember 2025 kl. 10:39
Til: PostNord Kundeservice <kundeservice.no@postnord.com>
Kopi: post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, post@rettferdnorge.no, newsdesk@independent.co.uk, contactus@amnesty.org, Fjordkraft kundeservice <kundeservice@fjordkraft.no>, presse.no@postnord.com, postmottak@sd.dep.no, hei@elhub.no, nve@nve.no, rme@nve.no, elklage@elklage.no, Forbrukerombudet <postjournal@forbrukerombudet.no>, Forbrukerrådet <epost@forbrukerradet.no>
Hei,
jeg har en 'dum-telefon' som jeg bruker som 'hoved-telefon'.
Og så har jeg også en smart-telefon.
(Som jeg bruker som kamera, walkman og Ruter-reisekort.
Blant annet).
Jeg er ikke så glad i å portere.
Da jeg jobba som butikksjef på Rimi Langhus (noe jeg gjorde fra våren 2001 til sommeren 2002).
Så dro jeg innom Siba (i Groruddalen) på vei til jobben.
Og så kjøpte jeg en ny Nokia-mobil (med polyfoniske ringetoner, noe som var nytt på den tida).
Men da måtte man portere fra Telenor til Netcom, sa selgeren.
Og det skulle ikke være noe problem, sa selgeren.
Men dette tok et par dager (sånn som jeg husker det).
Og jeg fikk kjeft av Rimi-distriktsjef Anne Kathrine Skodvin.
For hu (eller min assistent Sølvi Berget) hadde prøvd å ringe meg.
Så jeg er ikke så fan av portering.
Så jeg oppga et kontant-kort-nummer.
(Jeg kjøpte en del kontant-kort, da jeg flytta tilbake fra England, i romjula 2017.
For jeg har som nevnt både dum-telefon og smart-telefon.
Og jeg hadde da også en internet-dongle (som jeg hadde kjøpt i England)).
Og så har kanskje Fjordkraft trodd at dette var mitt 'hoved-mobil-nummer'.
(Som jeg ønsket å bruke, til Fjordkraft sitt fri data-abonnement.
Som de nektet meg.
Lowell liker å gi meg betalingsanmerkninger, for noe gjeld, fra 90-tallet.
Som ville blitt kalt foreldet, i andre land).
Det er forresten rart, at dere hos Postnord er så opptatt av hvilket telefon-nummer man har.
I gamle dager, så brydde ikke postvesenet seg om, hvilket telefon-nummer man hadde.
(De brydde seg bare om adressen, og denslags.
For å si det sånn).
Jeg har også gjennomført BankID-identifisering minst en gang, i forbindelse med sjølve bestillingen.
(Sånn som jeg husker det).
Så dette må jeg klage på.
Jeg vil gjerne ha svar fra en overordnet om dette degenererte surret/tullet.
Skjerpings!
Erik Ribsskog
PS.
Jeg synes det blir hippie-aktig, at dere er kjempe-duse, og bare bruker fornavn.
(Og attpåtil i hilsenen).
Dette er noe slags 'forhomsing', at dere (Postnord og Fjordkraft) ikke klarer å gjøre dette på vanlig måte.
Men at man absolutt må ha med en slags homse på et kontaktsenter å gjøre.
For å få den varen man har kjøpt/bestilt.
Skjerpings!
man. 8. des. 2025 kl. 08:25 skrev PostNord Kundeservice <kundeservice.no@postnord.com>:
Hei Erik!
Det stemmer at pakken din fra FJORDKRAFT MOBIL AS krever ID sjekk.
Dette er noe som FJORDKRAFT MOBIL AS har lagt på som en tilleggstjeneste på sendingen.
Dersom du har Postnord Norge appen nedlastet, så skal du få opp en knapp med "Verifiser ID".
Du bare trykker inn på sendingen fra Fjordkraft Mobil, også burde du se muligheten med en gang.
Jeg ser at det lå feil telefon nummer inne på sendingen, i forhold til din kundeprofil - dette er nok årsaken til at knappen ikke har vært i appen din tidligere.
Sjekk appen din nå, så burde du kunne verifisere ID.
Med vennlig hilsen,
Hans
Kundebehandler
Postnord Kundesenter
___________________
Vi leverer.
PostNord leverer løsninger for kommunikasjon, distribusjon, logistikk og e-handel til, fra og innen Norden.
Fra: Erik Ribsskog <eribsskog@gmail.com>
Dato: 5. desember 2025 kl. 19:55:47 CET
Til: Presse <presse.no@postnord.com>
Kopi: post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>,
200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>,
post@rettferdnorge.no, newsdesk@independent.co.uk, contactus@amnesty.org, Fjordkraft kundeservice <kundeservice@fjordkraft.no>
Emne: Klage/Fwd: 📦 Pakken avventer id-kontroll
Some people who received this message don't often get email from eribsskog@gmail.com.
Learn why this is important
Hei,
nå har jeg prøvd både nettstedet og appen, og det kommer ikke opp noe om at man må/kan legitimere seg.
Jeg legitimerte meg også når jeg kjøpte varen (med BankID).
Hva skal dette bety?
Skjerpings!
Erik Ribsskog
PS.
Jeg ble nektet mobilabonnementet som fulgte med.
Det er noen nett-troll som tuller med meg (og bestiller masse dritt i mitt navn) sånn at jeg får dårlig kreditt-score.
Dette må jeg klage på..
Skjerpings!
---------- Forwarded message ---------
Fra: PostNord
<noreply.no@postnord.no>
Date: fre. 5. des. 2025 kl. 18:31
Subject: 📦 Pakken avventer id-kontroll
To: <ERIBSSKOG@gmail.com>
PostNord
Pakken avventer ID-kontroll
Pakke avventer ID-kontroll
Det er en pakke på vei til deg fra FJORDKRAFT MOBIL AS. Avsender krever at du legitimerer deg med BankID før du kan hente den.
Du kan legitimere deg enkelt i PostNord Norge appen eller via
my.postnord.no
Mer
informasjon om pakken
Hilsen PostNord AS
PostNord AS
Alfaset, 3.industrivei 25
0668 Oslo
Følg oss
PostNord på Facebook
PostNord på Twitter
PostNord på LinkedIn
CAUTION: This email originated from outside of our organization. Do not click links or open attachments unless you can confirm the sender and know the content is safe.
Erik Ribsskog <eribsskog@gmail.com>
Update/Fwd: Token-payments/Fwd: Manage your accounts online
Erik Ribsskog <eribsskog@gmail.com> 2. desember 2025 kl. 07:39
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no, newsdesk@independent.co.uk, contactus@amnesty.org
Hi,
I've now used PayPal, to send some money, to my RBS-account.
So now I've actually already paid the token-payment for this month.
(See attachment).
And then I thought, that I'm going to send the next token-payment (£1) by the end of next month.
Hope this is alright!
Regards,
Erik Ribsskog
---------- Forwarded message ---------
Fra: Erik Ribsskog <eribsskog@gmail.com>
Date: tir. 2. des. 2025 kl. 01:10
Subject: Token-payments/Fwd: Manage your accounts online
To: <complaintsresolution@lowellgroup.co.uk>
Cc: <customer_services@lowellgroup.co.uk>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, <postmottak@sivilombudet.no>, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, <report@phishing.gov.uk>, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, <post@unio.no>, <post@hk.no>, Post <post@forbrukerradet.no>, inger.lise.blyverket <inger.lise.blyverket@forbrukerradet.no>, <lisa.eian@elden.no>, Postmottak <postmottak@forbrukertilsynet.no>, <postmottak@dfd.dep.no>, <mail@retshjaelpen.dk>, <h.bleken@haavind.no>, <goa@gjeld.org>, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, complaint.info <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, <data.access@justice.gov.uk>, emb.london <emb.london@mfa.no>, <post@rettferdnorge.no>, <derya.incedursun@nordea.no>, <newsdesk@independent.co.uk>, <contactus@amnesty.org>
Hi,
I've now contacted RBS, and I've managed to get the internet-banking up and running again.
But it turns out, I only have 88 pence on my RBS current-account.
(I haven't used this account much, since I moved back to Norway, in 2017).
So if you tell me your account-number, I can pay you 80 pence this month (by 31/12).
And then I can start paying the regular token-payments (£1) next month (by 31/1).
Hope this is ok!
Regards,
Erik Ribsskog
---------- Forwarded message ---------
Fra: Lowell <noreply@lowellgroup.co.uk>
Date: man. 1. des. 2025 kl. 17:55
Subject: Manage your accounts online
To: <eribsskog@gmail.com>
Lowell Logo
Please don’t ignore
this message, we want
to help you
Your Lowell reference number is:
120143797
Hello Mr Erik Ribsskog,
We’ve asked you to contact us about your outstanding account(s) several times, but we haven’t heard anything back. Please don’t ignore this email. We need you to either set up a payment plan online or call us to let us know how you’ll be paying your account(s).
DownArrows
You don’t even have to call us
We appreciate that many people are uncomfortable talking about their money worries over the phone. With Lowell, you don’t need to. You can make payments and set up an affordable interest-free payment plan online.
Set up a payment plan
DownArrows
Our payment plans are affordable and
interest-free
Many of our customers opt to set up an affordable interest-free payment plan. It’s a popular way to pay because it means you can spread your payments over a longer period so you’re not left short every month.
Set up a payment plan
DownArrows
How do I start paying off my Lowell debt?
1. Work out how much you can afford to pay
Use our budget calculator to see how much you can afford to pay.
Budget calculator
2.
Set up your personal interest-free payment plan
You decide how much you can afford then set up your personal payment plan. It really is that simple.
Get started now
DownArrows
Need help?
Just call 0333 556 5700 to chat through your situation with one of our friendly agents. We’re here to listen, not judge. We promise we’ll try to help you overcome your debt troubles, not add to them.
If you want to see all of your accounts, please visit our app or website.
DownArrows
Free debt advice and information
StepChange Debt Charity
0800 138 1111
stepchange.org
National Debtline
0808 808 4000
nationaldebtline.org
See what people say about us
It's extremely embarrassing having to deal with debt over the phone. So, I love how you can do this online with Lowell. And easily change payments up or down to suit my situation. Also, I can see everything in one place. A very good service!
Beverley, GB. 20/02/2024
Trust pilot logo
Trust pilot five star rating
We hold this e-mail address on your file and would like to use it to communicate with you. If you are not the person this email was intended for, please let us know and we will update our records.
Calls from a landline will be charged at a local rate; mobile charges may vary.
Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration Number 4857418, and Lowell Financial Ltd, Company Registration Number 4558936, are registered in England and Wales. Registered Office: No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.
This email is private and confidential and is intended solely for the named recipient of this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. We've taken reasonable precautions to ensure no viruses are present in this email, but we accept no responsibility or liability for any loss or damage arising out of or in connection with this email.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice at www.lowell.co.uk/our-privacy-promise explains how we use the personal data we collect and how you can exercise your data protection rights. If you would like a copy, please contact us.
receipt.png
114K
PS.
Her er vedlegget:

Erik Ribsskog <eribsskog@gmail.com>
Token-payments/Fwd: Manage your accounts online
Erik Ribsskog <eribsskog@gmail.com> 2. desember 2025 kl. 01:10
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no, newsdesk@independent.co.uk, contactus@amnesty.org
Hi,
I've now contacted RBS, and I've managed to get the internet-banking up and running again.
But it turns out, I only have 88 pence on my RBS current-account.
(I haven't used this account much, since I moved back to Norway, in 2017).
So if you tell me your account-number, I can pay you 80 pence this month (by 31/12).
And then I can start paying the regular token-payments (£1) next month (by 31/1).
Hope this is ok!
Regards,
Erik Ribsskog
---------- Forwarded message ---------
Fra: Lowell <noreply@lowellgroup.co.uk>
Date: man. 1. des. 2025 kl. 17:55
Subject: Manage your accounts online
To: <eribsskog@gmail.com>
Lowell Logo
Please don’t ignore
this message, we want
to help you
Your Lowell reference number is:
120143797
Hello Mr Erik Ribsskog,
We’ve asked you to contact us about your outstanding account(s) several times, but we haven’t heard anything back. Please don’t ignore this email. We need you to either set up a payment plan online or call us to let us know how you’ll be paying your account(s).
DownArrows
You don’t even have to call us
We appreciate that many people are uncomfortable talking about their money worries over the phone. With Lowell, you don’t need to. You can make payments and set up an affordable interest-free payment plan online.
Set up a payment plan
DownArrows
Our payment plans are affordable and
interest-free
Many of our customers opt to set up an affordable interest-free payment plan. It’s a popular way to pay because it means you can spread your payments over a longer period so you’re not left short every month.
Set up a payment plan
DownArrows
How do I start paying off my Lowell debt?
1. Work out how much you can afford to pay
Use our budget calculator to see how much you can afford to pay.
Budget calculator
2.
Set up your personal interest-free payment plan
You decide how much you can afford then set up your personal payment plan. It really is that simple.
Get started now
DownArrows
Need help?
Just call 0333 556 5700 to chat through your situation with one of our friendly agents. We’re here to listen, not judge. We promise we’ll try to help you overcome your debt troubles, not add to them.
If you want to see all of your accounts, please visit our app or website.
DownArrows
Free debt advice and information
StepChange Debt Charity
0800 138 1111
stepchange.org
National Debtline
0808 808 4000
nationaldebtline.org
See what people say about us
It's extremely embarrassing having to deal with debt over the phone. So, I love how you can do this online with Lowell. And easily change payments up or down to suit my situation. Also, I can see everything in one place. A very good service!
Beverley, GB. 20/02/2024
Trust pilot logo
Trust pilot five star rating
We hold this e-mail address on your file and would like to use it to communicate with you. If you are not the person this email was intended for, please let us know and we will update our records.
Calls from a landline will be charged at a local rate; mobile charges may vary.
Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration Number 4857418, and Lowell Financial Ltd, Company Registration Number 4558936, are registered in England and Wales. Registered Office: No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.
This email is private and confidential and is intended solely for the named recipient of this email. If you have received this email in error, please notify the sender and delete the email from your records. Do not read, copy or disclose its contents to anyone or use it for any purpose. We've taken reasonable precautions to ensure no viruses are present in this email, but we accept no responsibility or liability for any loss or damage arising out of or in connection with this email.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice at www.lowell.co.uk/our-privacy-promise explains how we use the personal data we collect and how you can exercise your data protection rights. If you would like a copy, please contact us.
Erik Ribsskog <eribsskog@gmail.com>
Lowell
Erik Ribsskog <eribsskog@gmail.com> 10. oktober 2025 kl. 16:45
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no
Hi,
I've now contacted my Norwegian bank (Nordea).
And Josephine there, told me, that it's going to cost me 75 NOK to send a 1 NOK token-payment, to England, each month.
So that's a bit silly, I'd say.
One can buy a bag of groceries almost, for 75 NOK.
So that's a bit silly.
It's like throwing money away.
Or that you work for Nordea.
So I think the Financial Ombudsman could have a look at this.
To hear if they think that a token-payment should that expensive.
So I send a copy-email to them.
Erik Ribsskog
fre. 10. okt. 2025 kl. 11:52 skrev <complaintsresolution@lowellgroup.co.uk>:
Dear Mr Ribsskog
Complaint Reference: 602995
Further to our email dated 25 September 2025; thank you for getting in touch to raise your concerns and for your patience whilst your complaint has been investigated.
My understanding of your complaint
You are unhappy because you are currently not residing in the UK, and you are experiencing difficulties with making payments due to the costs involved. You have brought this issue to attention for escalation to a manager, which has not been addressed.
Findings
At Lowell we take all complaints seriously and every effort is made to ensure that a thorough investigation is undertaken and the right outcome reached.
In order to investigate this complaint, I have reviewed the account and the information we hold.
You currently have one account that we are dealing with.
Lowell Reference
Former Company
Current Balance
120143797
Capital One
£880.58
I am sorry to hear about the issues you are facing with the banks. I understand that we have supplied you with the overseas bank details, and I apologize for the additional costs you are incurring while abroad. Unfortunately, we do not have any alternative options to offer you.
Upon reviewing the email correspondence, I noted that you had requested for this matter to be escalated to a manager for further investigation. However, as communicated on August 28, 2025, the agent is fully equipped to assist you with your request and the related issue, which is why the matter was not escalated. I concur that the appropriate action was taken.
You did send additional emails; however, as they were written in a different language, I was unable to respond. If you have any further concerns or if there is anything we may have missed, please let us know.
Conclusion
Please accept my apologies for any distress these matters may have caused you. I can assure you this would never be our intention. Based on my findings above, I am unable to uphold your complaint.
The Financial Ombudsman Service also provides a dispute resolution service to assist customers who feel their complaint remains unresolved.
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email.
If you do not refer your complaint in time, the Ombudsman will only be able to consider your complaint in very limited circumstances, for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
For more information, the Ombudsman’s consumer leaflet, “your complaint and the ombudsman” can be accessed via the following link: www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm.
Please let us know if you’d like a hard copy of the Financial Ombudsman consumer leaflet sent out by post.
For more information on their services, you can visit their website www.financial-ombudsman.org.uk.
Next Steps
Moving forward, you have confirmed that you currently reside abroad; however, the address we hold on file for you is 41D Osborne Road, Tuebrook, Liverpool, L13 8AS, which is not an overseas address. If this is not the address where you wish to receive correspondence, please let us know so we can update our records. If we do not receive an updated address, we will continue to contact you at the address currently on file.
I have placed your accounts on hold for 30 days to allow you time to contact us and discuss how you would like to proceed with the accounts. Should we not hear from you within this timeframe, we will attempt to contact you to discuss the matter further.
If you’re worried about your debts, you can get free confidential advice from a number of independent organisations including:
www.moneyhelper.org.uk – 0800 138 7777 - government-backed free debt and money advice support and solutions
www.moneywellness.com - 0161 518 8285 - confidential advice and ongoing
support and solutions
Yours sincerely
Ali
Customer Relations Officer
This email, any attachments and any files transmitted with it are private and confidential and are 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. Do not read, copy or disclose its contents to anyone or use it for any purpose. Warning: although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, Lowell Financial Ltd. accepts no responsibility or liability for any loss or damage arising out of or in connection with the this email, any of its attachments or any files transmitted with it and it is recommended that you check all emails with an appropriate virus scanner.
Lowell Financial Ltd may monitor email traffic data and also the contents of emails for compliance purposes and to protect its business. Our privacy notice is available at https://www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. If you would like a copy, please contact us.
Lowell Financial Ltd. No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH 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.