Took on a minor's debt from the IONOS Group and then hung up on me when I started questioning their policies. Used to be called Arvarto Financial Solutions Ltd, which has 1 star on Trustpilot... Voir plus
L'entreprise a répondu
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Lisez les avis des autres
The person I spoke to was incredibly helpful, polite and understanding. If you're worried or anxious about being in debt, it really does make you feel better if you get the courage up and take the plu... Voir plus
L'entreprise a répondu
Thames water chase you a couple of weeks after sending the bill They mis manage our supplies and pipes And rake in billions to give to their shareholders their management has almost bankrupted... Voir plus
Bernadette answered all my questions and was very helpful. She understood what I needed. A very professional, pleasant lady.
À propos de l'entreprise
Écrit par l'entreprise
Working on behalf of trusted brands, our clients turn to us to help their customers, typically when they fall into arrears. Our colleagues specialise in supporting people experiencing financial difficulty, and our goal is simple: to deliver compassionate, affordable, and sustainable solutions. We understand that life happens. That’s why we focus on listening, not judging. Our team of trained specialists take the time to understand each customer’s individual circumstances and works with them to create realistic, sustainable solutions tailored to their situation. Authorised and regulated by the Financial Conduct Authority, Everyday People Financial Solutions (EP Financial Solutions) is part of the Everyday People Group of companies.
Coordonnées de contact
9 George Square, G2 1DY, Glasgow, Royaume-Uni
- 03445714030
- contactus@MyEPFS.com
- myepfs.com
4,3
Excellent
439 avis
A répondu à 100 % de ses avis négatifs
Répond généralement dans un délai de 24 heures
Comment cette entreprise utilise Trustpilot
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Charged a £15 fee on a £10 payment I…
Charged a £15 fee on a £10 payment I hadn't realised I'd missed.
24 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
Thank you for reaching out via TrustPilot.
At EPFS we add no fees or interest to the balances passed to us. Should a late payment fee be applicable this will be part of the creditor’s terms and conditions, and any payment collected on the fee is returned to the creditor.
We can help gain information on why a fee was added by raising a query on your behalf with our client if you would like to raise a complaint, this can be done via our Complaints team if you can send them further details to complaints@myepfs.com.
If you would like us to assist raising the query, please send the complaints team your EPFS reference, number, please note, with contact via email they will in the first instance reply with some identification verification questions. Once ID&V is completed, they will ensure any enquiry is fully investigated and responded to.
Kind Regards
Very important specially if you have problems organising and phoning it's something I'm not really good at
Well firstly very understanding specifically about other bills that I might have, the lovely lady was concerned about other bills I have bless, she was really down to earth she came over really caring and asked me if I could pay theamount, if im ok and it's not leaving me penniless, a very nice lady.
Thank you yours faithfully
Mr s. Meloy
24 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for your feedback. We are very pleased to hear you had a positive experience with our team member. Our priority is understanding every customers individual circumstances and establishing a solution that is affordable and sustainable.
Réponse de EP Financial Solutions
We appreciate the feedback. It's pleasing to know you found our team friendly and helpful, this is always our aim.
Réponse de EP Financial Solutions
Thank you for providing your feedback, it's appreciated.
Really helpful and polite customer…
Really helpful and polite customer service.really weldone 🙏
23 avril 2025
Avis spontané
Réponse de EP Financial Solutions
We are glad to know you found our team helpful and polite. We appreciate the review. Thank you.
I have been getting calls from them…scammers
I have been getting calls from them just after renewing my mobile contract with EE. I ignored the calls and texts. The calls comes at awkward times hence why I ignored them. Just today I answered and so annoyed as I terminated the important call for them. I got their texts and decided to call them quoting the reference on the text. They wanted me to go through security checks which I did and before completing all I asked what is this all about. Was told I owe EE, am I ready to make the payment of whatever amount I couldn’t even hear it well. I was so annoyed as I know that I don’t owe EE a penny. She went on to say she will make EE a note to find out why they brought the case to them yet I am still with them as my network provider. I called EE afterwards and asked them about this EPfinancial. EE said my account is up to date and the next bill is on the date we agreed on. They warned me about this scams that apparently so many people are reporting the same incidents of being called claim they owe EE. I fear identity fraud more than anything, I refused to confirm my email but has given my DoB. I will report it to the police tomorrow with all their texts, calls and ref numbers.
22 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
We appreciate you bringing your concerns to our attention. Please be assured any attempt at contact from our firm is not a Scam; we are authorised and regulated by the Financial Conduct Authority and members of the Credit Services Association.
We only contact customers who have been passed to us by our clients. I can see from your review that we have spoken with you, and having located your account, I can see we have logged a query with our client based on your feedback. Should the account have been passed to us in error, we apologise for any inconvenience.
Unfortunately, we are unsure who you have spoken with who has provided the incorrect information that has caused your concern. Should you wish to confirm our legitimacy please visit https://ee.co.uk/help/billing-payments/financial-support/what-is-a-debt-collection-agency. There EE advertise a number 0800 956 6000 you can call.
Alternatively, you can find us on the registers of the Financial Conduct Authority or the Credit Services Association.
If there is anything further we can help with, you can email our Complaints team directly at complaints@myepfs.com.
Kind Regards
Beware Scammers
BEWARE! Received a demand out of the blue for money I do not owe to EE. They even got my address wrong which makes me think they’re scammers.
15 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
Thank you for reaching out via TrustPilot.
Please be assured any attempt at contact from our firm is not a Scam; we are authorised and regulated by the Financial Conduct Authority and members of the Credit Services Association.
While we would encourage you to contact us, if you do not wish to do this EE offer a transfer process if you wish to contact them, by calling 0800 956 6000. These details are listed on their website at https://ee.co.uk/help/billing-payments/financial-support/what-is-a-debt-collection-agency.
If there is anything further we can help with, you can email us at contactus@MyEPFS.com, or call 03445714030, we are open from 8 am to 8 pm Monday to Thursday and 8 am to 5 pm Friday.
Kind Regards
Very friendly helpfull staff
Very friendly helpfull staff
Understanding and listen to what you have to say
14 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for taking the time to provide this feedback. We are always pleased to know when our colleagues have taken the time to understand a customers situation in a helpful and friendly way.
Can't really rate as there is a…
Can't really rate as there is a somebody reaching out under your name. Was contacted numerous times regarding money owed to EE. My account is fully upto date. Please please check before anybody pays the false company any money. Is it possible for the legitimate company to perhaps look into this scam if your not already .
9 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for taking the time to provide feedback.
To help us investigate further, any details regarding your experience you could share by email to complaints@myepfs.com would be much appreciated.
Many thanks.
The problem was dealt with with care…
The problem was dealt with with care and understanding.
7 avril 2025
Avis spontané
Réponse de EP Financial Solutions
We appreciate you taking the time to provide a review. We are pleased to know the team acted with care and understanding.
Alright
About as polite, professional and concerned for my wellbeing as anyone who’s calling me chasing up a payment can be. Easy to make payment online. Good service.
3 avril 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for the feedback. We are very pleased to hear about your experience with our team.
Very helpful agent who listened…
Very helpful agent who listened carefully and did as I requested
25 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for your feedback. It is much appreciated.
Amazing service from the man I spoke…
Amazing service from the man I spoke to! Resolved my issue within 5 minutes 😊😊 sadly I cannot remember his name but he was great!
24 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for your feedback. It is much appreciated.
what a horrible experience
what a horrible experience i had with this horrid company over 40 quid i didnt know i owed.
24 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
We are sorry to learn you haven't had a good experience. We'd like to understand what has gone wrong and help.
Unfortunately, we can't identify an account from your post to help you.
You can email our Complaints team directly at complaints@myepfs.com, or we have asked TrustPilot to reach out for a reference number.
Kind Regards
No much to say it all about thank you…
No much to say it all about thank you very much for trying to helping me
19 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you again for taking the time to provide a review. We appreciate your feedback
It was easy to talk to him made me feel…
It was easy to talk to him made me feel very comfortable
18 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for the feedback. We are pleased to know you found our team easy to talk to.
Debt scam to exploit vulnerable people into giving them money
I’m writing this genuine review of my experiences with EPFS to warn other people that this company tries to claim that individuals owe money when they REALLY don’t, so people can then relax hopefully.
Check all the one and two star reviews to get the real picture.
First and foremost, I have never contracted, or
bought anything, or let alone even contacted Ionos, the company that EPFS claim I owe money to. And this is the same for hundreds of people in different reviews of them, on the internet. So it is not coincidence. Check the “who called me”website also, for more reports of their scams.
EPFS try it on with people, and the vulnerable will give in to their persistent nuisance calls, letters, and emails. The companies say they don’t have any records of any debts. EPFS hide behind claimed links with professional institutions, but really they ought to be struck off for misleading practices. They wouldn’t have to defend themselves so vehemently if there was no cause.
UPDATE to respond to their self defensive pretence of being decent, when they deliberately harass people they don’t owe money, into thinking they might have to pay. All over the internet there are reports of this debt scam by them.
They’ve asked for more information, but I don’t want to give them my contact details. To avoid more harassment from their fake debt scam.
And the window has passed now to give EPFS my references, anyhow.
Original review.
As all the other 1 star reviews (the other ones I suspect are not genuine, as the 1 star reviews tell the real story) This company sends fraudulent messages, and emails, and letters claiming one owes money to a company they’ve NEVER contracted with, and so DO NOT owe money too!
This point is so important as they write
disingenuously polite replies here, claiming that they are simply middle men acting on behalf of their clients.
This is simply NOT TRUE!
I presume they somehow obtain people’s confidential information and try to exploit it and scam people into paying money that they DO NOT OWE!
An unsuspecting vulnerable person will probably be scammed. Hence my writing this review warning via this review website.
People have asked them to stop their fraudulent claims, but they carry on doing so.
They will reply on here with their “I’m sorry you are having a bad experience” and “we are an official organisation and regulated etc”
But yet they persist with their desperate claims for money “on behalf of their clients”
The clients they claim to represent have never heard of them.
*So people do not be fooled, rest assured that you do not owe them money if you’ve never contracted with the companies they claim to represent*
We could all get together and sue them for damages, and their persistent harassment.
It is illegal to try to get money from people that they DO NOT OWE!
So people I recommend going no contact and eventually they will stop their fraudulent claims and harassment. Don’t engage as they use your information again for more related false claims.
If they don’t stop harassing me, then I shall report them to all the financial regulatory bodies, and trading standards, and to the relevant consumer protection bodies, and appeal to trust pilot to take down their fraudulent business reviews here.
As they are clearly using this site to whitewash their exploitative business practices.
In the name of decency and fairness, cease and desist! or you will be hounded by the press, and on social media, as the rogue company you are, trying to scam money out of people that do not own it.
All over the internet already, this company has been flagged as scam, and is notorious, and linked with fake claims and victims have stood up to to their fraudulent harassment for money.
I have had enough stalking from this company and will get them to stop harming innocent individuals.
This review is not harmful to the public and is a service to the every day people who get hassled and stressed by EP financial services. Retitled correctly as EPFS for exploiters practicing financial scams
10 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
Unfortunately, the information in this review is incorrect and appears to be intentionally damaging. While we respect all customers' views and will always aim to remediate where something has gone wrong, it is also important that we provide feedback where the information shared is false.
Any attempt at contact from our firm is legitimate and in no way fraudulent or a scam. Creditors assign us to provide support, typically when a customer is in arrears, as we are well placed to help, treating customers with understanding and compassion. This is a normal initial stage when a customer is in arrears, the Financial Conduct Authority regulates our services, and our goal is to connect with our client's customers and support with an affordable and sustainable solution.
For example, we are proud of our partnership with the Free Money Advice Debt Charity StepChange through the StepChange Direct programme. Through this partnership, we offer customers access to free money health checks and budgeting tools and ensure we can offer the right support based on their individual circumstances.
The positive reviews you suspect are not genuine are all from customers who have engaged with our helpful team. The one-star ratings you have referenced will occasionally be related to situations where our service has not met our expectations. Unfortunately, though, many are from situations where we have not engaged with the person writing the review, and a view has been formed without speaking to our team.
We are keen to resolve any complaint you may have, as you mentioned harassment and potential contact regarding a debt you do not believe is owed. However, as we cannot identify if you are a customer from this review, we have reached out to you via TrustPilot for further information.
You can also email our Complaints team directly at complaints@myepfs.com. If you have contacted us directly and are not satisfied with our response, you can refer your complaint to either the Financial Ombudsman Service (FOS) for accounts formed under the Consumer Credit Act (such as credit cards or loans) or for all other debt types the Credit Services Association (CSA), the trade body for our sector. FOS can be reached via complaint.info@financialombudsman.org.uk or you can download a CSA complaints form from www.csa-uk.com/page/complaints .
While we appreciate you may have differing views, we hope you understand we have replied in good faith to ensure we can accurately respond to any claims made about the legitimacy of our services.
Kind Regards
Very understanding staff
The lady I spoke to today listened to me and understood my situation she also talked me through everything I needed to know. I genuinely felt she wanted to help me and she guided me in the right direction. I would never be worried to speak to this company again especially with the lady I spoke to today.
7 mars 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for the feedback, it's very pleasing to hear our team member listened well and understood your situation. We always intend to help, so we appreciate you taking the time to write this review.
Very nice polite people helped to get…
Very nice polite people helped to get through to EE phone folk that I was not due the money that they were hounding me for. This non-existent debt was thus eventually written off. :)
4 février 2025
Avis spontané
Réponse de EP Financial Solutions
Thank you for taking the time to post this review. We are glad you found our team polite and that we could assist in resolving the issue.
Zero stars it's very important for you…
Zero stars it's very important for you to contact me regarding my account you purchased from lowell harassment to my cellphone and Gmail account will not help you and as like the previous 5 company's you will receive zero no money no correspondence no reply this company based in Glasgow is a scam they purchase debt from large companies and try harassment tactics I could very easily purchase my own portfolio and write it off to credit reference agencies please reply to me and promise you will never harass me again or I will share with youtube how to easily purchase your own debt and tell the cra the account is settled all of mine are already settled but still your harassing my phone and g/email I look forward to hearing from you kindest regards Mr Never Pay
14 février 2025
Avis spontané
Réponse de EP Financial Solutions
Hi,
Thank you for taking the time to provide feedback. The response below aims to answer the various points you have raised.
We are sorry to hear you have felt harassed by our attempt to make contact. Please be assured that any attempt at contact from our firm is never intended to harass. In our communications we place a lot of emphasis on affordable payment options for debts owed. We also include information on free budgeting tools in our letters and offer further support via our partnership with Free Money Advice services. While our focus is on support, it is also necessary to ensure details of possible next steps where we can’t establish contact are shared.
We are not an active Debt Purchaser and have not purchased the debts we may have contacted you about. Creditors assign us to provide help, typically when a customer is in arrears, as we are well placed to help, treating customers with understanding and compassion to reach affordable solutions for their circumstances.
As we have not purchased the accounts you have referenced, we would not provide direct default updates to the Credit Reference Agencies; where applicable, the Creditor manages this, and details of potential positive or negative impacts are outlined in any letter we issue. This is also true of any further action outlined where contact cannot be established. We are an intermediary, focusing on reengaging with customers and supporting them with affordable and sustainable solutions. Where we can't help, we close the account received, and the Creditor decides on the appropriate next steps to recover any remaining arrears.
We’d be happy to support your request to pause communications, however, as we can not identify any associated accounts from this review, we have reached out to you via TrustPilot for further information. Please provide them with your EPFS reference number(s).
Alternatively, should you believe the account(s) we have contacted you about are settled, we’d encourage you to contact our Complaints team so we can investigate the matter with our client on your behalf, as should a mistake have been made, we are keen to resolve it. They can be reached at complaints@myepfs.com.
Kind Regards
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