The gentleman who called me was extremely polite, considerate and helpful. Even so hi called me to do his job for his company and collect a payment he first wanted to receive some information from m... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
The gentlemani spoke with was so lovely. He was extremely kind & made my worry disappear. I’m very unwell at the moment. I’m having to rely on benefits. He suggested people that can be helpful i... See more
Company replied
My experience was very good. After a few questions to make sure that I, whom am a Pensioner, was covered to pay all my other bills, my transaction was handled very efficiently, kindly and compassiona... See more
Company replied
The agent I spoke to was very professional and listened to what I had to say. He was very polite and definitely a credit to the company. I received several texts reminding me to call them, and when th... See more
Company replied
Company details
Written by the company
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.
Contact info
9 George Square, G2 1DY, Glasgow, United Kingdom
- 03445714030
- contactus@MyEPFS.com
- myepfs.com
4.4
Excellent
444 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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
March 10, 2025
Unprompted review
Reply from 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.
March 7, 2025
Unprompted review
Reply from 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. :)
February 4, 2025
Unprompted review
Reply from 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
February 14, 2025
Unprompted review
Reply from 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
Reply from EP Financial Solutions
Thank you for the review. It was always pleasing to hear that our team has been helpful.
No problems, handled well
Spoke to Jacklyn today, very helpful courteous understanding and professional.
An asset to the company.
February 21, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for the feedback, it's great to read this. We'll be sure to pass this message on.
Spam issue on company side
Spoke with a gentleman, helped me with my finance solutions . Got email from them it came up as spam , also got phone calls from them came up as spam. Why I asked and he seemed bit upset and became frustrated and pushed me into raising my voice. Firstly listen to the customer and don't start being forceful like all other debt collection agencies. It is no wonder people don't want to speak to you . I'm sure most people in a finance difficult situation would be more responsive if you changed your attitude instead of acting like jumped up police . Little bit of tact and sorting the company phone call and email out as not coming up as spam would be a start.
February 20, 2025
Unprompted review
Reply from EP Financial Solutions
Hi,
Thank you for reaching out via TrustPilot.
We appreciate you letting our Advisor know that our phone number was flagged as spam. We are currently investigating this with our Telephone provider.
Unfortunately, this can happen when the phone number presented hasn’t been updated correctly on lists the service providers use to determine whether your call is spam or genuine. When this happens, the problem can be compounded with further recipients who we haven't managed to speak with, flagging missed calls as spam.
Unfortunately, emails are dependent on various guidelines set by email hosting services. We are also investigating this issue and working with our supplier to address it.
Based on your feedback about the call, we’d like to apologise. Our team prides itself on providing friendly and empathetic service. We appreciate that on this occasion, this wasn’t reflected in your experience. This is something we’d like to investigate further. As we can not identify any associated accounts from this review, we have reached out to you via TrustPilot for further information.
If there is anything further we can help with, you can email our Complaints team directly at complaints@myepfs.com.
Kind Regards
Very good costumer service
Very helpful advice and professional people
February 20, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for providing feedback. We are very pleased to know you found our team helpful and professional.
Luke was very friendly and professional
February 17, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for your feedback. We appreciate you taking the time to provide a review. We'll pass on the feedback to Luke.
This is a Scam
This is a Scam, they send a letter that looks very real, the website looks real and the reviews at the time of writing this are positive.
February 13, 2025
Unprompted review
Reply from EP Financial Solutions
Hi,
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.
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. Our empathetic approach is reflected in the positive reviews you have referenced.
While we would encourage you to contact us, if you do not wish to do this the other option is to please contact the client referenced on our letter directly.
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
The friendliest company in the world!
Extremely friendly and great people!
February 13, 2025
Unprompted review
Reply from EP Financial Solutions
Many thanks for the review Solana. We are very pleased to hear you found our team members friendly.
Reply from EP Financial Solutions
We appreciate you taking the time to provide this feedback. It's always pleasing to hear when our team have been friendly and helpful.
Excellent phone advisor
Excellent phone advisor
Credit to the team
February 11, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for the review. We much appreciate you taking the time to provide this feedback.
Received a letter saying I owe £25.88…
Received a letter saying I owe £25.88 to EE. Rang EE and they say there is no outstanding debt, as I pay by direct debit. Tried ringing EPFS, to be fair it's Sunday Evening so no answer (although EE did!). Will try ringing in normal business hours EPFS ref: 149262921.
February 9, 2025
Unprompted review
Reply from EP Financial Solutions
Hi,
Thank you for reaching out via TrustPilot.
We appreciate you have advised you have been in contact with our client.
Our office opening hours are 8 am to 8 pm Monday to Thursday, 8 am to 5 pm Friday and 9 am to 1 pm Saturday. Our team can be reached via 03445714030 or contactus@MyEPFS.com.
EE also 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.
At your convenience, if you can get in touch with our team we can assist and look into this further.
Kind Regards
Call handlers very polite and…
Call handlers very polite and professional. No letters only reason knew something was missed was a call.
February 6, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for taking the time to provide feedback. We are glad to know you found our team polite and professional.
Very helpful and understanding
After struggling to pay my debt the bill was passed on to these people and the gentleman couldn't have been more helpful and understanding of my situation I put in an offer that I could afford and he made it quick and easy to set up a direct debit
January 31, 2025
Unprompted review
Reply from EP Financial Solutions
Many thanks for the review. We are very pleased to hear our colleague was understanding of the situation and made things easy.
.The staff were extremely courteous and…
.The staff were extremely courteous and understanding, informative, and supportive. A successful outcome achieved through dedicated personnel.
January 28, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you Fiona. We much appreciate the feedback. It's very pleasing to know you found the team courteous and understanding, informative, and supportive.
Very helpful
The colleague I spoke yo very helpful. Had patience why disability. With numbers an spelling. Vert happy. Mr Sherrington.....
January 27, 2025
Unprompted review
Reply from EP Financial Solutions
We appreciate you taking the time to provide feedback. We are glad to know our team member was helpful for your situation.
She did the best she could do but I…
She did the best she could do but I needed more help, which was unavailable for her to do
January 27, 2025
Unprompted review
Reply from EP Financial Solutions
Thank you for the review Jane. We appreciate you taking the time to provide feedback.
I’m pretty convinced that this is a…
Edit- 5 star service? Have you seen how many complaints are on here from others? No letter received and I emailed as instructed and still no response.
Update- Text only is completely unprofessional ‘We have important information for X. Please visit secure link (my-rise.com).’ Again, I have no debts. I am not giving out my personal information to something that has shocking reviews and looks suspiciously like a scam. If it is real then whatever company you’re acting on behalf of can get in touch with me.
I’m pretty convinced that this is a scam.
I’ve been receiving harassing text messages that demand I get in touch with them. I looked up this company and on the UK government website, it says it’s dissolved as of the 5th of November 2024. I don’t know how they know my first name and mobile number, if this was genuine then I’m sure I’d receive a letter, email or phone call. I have no debts so there is no reason for me to be continually harassed.
January 27, 2025
Unprompted review
Reply from EP Financial Solutions
Hi,
This is a response to the edited review on the 30-01. Many thanks for providing TrustPilot the phone number.
We wanted to let you know we have located the number and removed it from the associated account. There will be no further messages related to that account for the number provided.
Our complaints team responded to an email on the 29-01, this covered requirements in regard to DPA for them to release further information via email. The email, may on this occasion be in your spam folder.
If you require further information, we can support this if you can locate and respond to the complaints team email, alternatively our team are available on 03445714030.
We apologise for any inconvenience.
Kind Regards
------------------------------------------------------------------------------------------------
Hi,
This is a response to the edited update.
We are here to help, and are in no way a scam, which is reflected in the balance of reviews reflecting 5 star positive feedback where customers have engaged with our team.
Please be assured that we will have sent a letter to the address we have on record. If you have not received one, we may have been provided your phone number in error and we apologise if that is the case.
We respect your decision should you not wish to share information with TrustPilot or email our complaints team to provide a reference number. We'd love to help further, but unfortunately, we can't identify the account the text message was associated with without this information.
If you change your mind but don't want to update TrustPilot and would like us to look into this further, our complaints team can be reached at complaints@myepfs.com.
Kind Regards
---------------------------------------------------------------------------------------------
Hi.
Please be assured any attempt at contact from our firm is not a Scam; we are authorised and regulated by the Financial Conduct Authority. Our firm reference number with them is 708669, and we are also a Credit Services Association member.
Regarding the website you checked, the information you have sourced is unrelated to our firm. The firm was incorporated in 2001 and remains active.
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.
When we are asked to contact a customer, we will use the contact details we have available, utilising SMS as one channel and sending letters as well. In this instance, if you have received a text but not a letter, we may either have been provided an incorrect telephone number or may not have an up-to-date address.
As we can not identify any associated accounts or email addresses from this review, we have reached out to you via TrustPilot for further information. Please provide them with the EPFS reference number in any SMS received, and we will arrange for the associated telephone number to be removed if it’s incorrect. If you provide them an email address also, we can write to you to confirm.
If there is anything further we can help with, you can email our Complaints team directly at complaints@myepfs.com.
Kind Regards
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