EP Financial Solutions Reviews 440

TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 172 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their politeness, understanding, and helpfulness, often highlighting their professional and empathetic approach. Many people found the customer service exceptional, appreciating the advisors who listened attentively and provided reassurance and effective solutions. The overall service is often described as professional, efficient, and supportive, making difficult situations easier to manage. However, some customers expressed dissatisfaction with the contact methods, reporting persistent calls and messages even after requesting them to stop. There were also occasional issues with the payment system, with some reviewers experiencing errors, glitches, and a lack of clear confirmation for their payments. A few people also mentioned difficulties in customer service interactions, such as being cut off or experiencing long hold times.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their helpfulness, professionalism, and... See more

Customer service

Consumers generally report positive experiences with customer service, highlighting helpful, polite, and... See more

Payment

People report ambiguous experiences with payment. While some customers found the process easy and helpful for... See more

Service

Customers had ambiguous experiences with service. While some reviewers praised the service as fantastic,... See more

Customer communications

Reviewers express significant frustration and dissatisfaction with contact methods. Many customers report... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Debt Collecting

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

4.3

Excellent

TrustScore 4.5 out of 5

440 reviews

5-star
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1-star

Replied to 100% of negative reviews

Typically replies within 24 hours

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Rated 5 out of 5 stars

Considerate and compassionate

Considerate and compassionate. Addressed the issues logically and with great care. And arrived at a careful decision.

April 30, 2025
Unprompted review
EP Financial Solutions logo

Reply from EP Financial Solutions

Thank you for the feedback; we very much appreciate you taking the time to share your experience.

Rated 1 out of 5 stars

Charged a £15 fee on a £10 payment I…

Charged a £15 fee on a £10 payment I hadn't realised I'd missed.

April 24, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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

Rated 5 out of 5 stars

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

April 24, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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.

Rated 5 out of 5 stars

Very understanding

Very understanding

April 23, 2025
Unprompted review
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Reply from EP Financial Solutions

Thank you for providing your feedback, it's appreciated.

Rated 1 out of 5 stars

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.

April 22, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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

Rated 1 out of 5 stars

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.

April 15, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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

Rated 5 out of 5 stars

Very friendly helpfull staff

Very friendly helpfull staff
Understanding and listen to what you have to say

April 14, 2025
Unprompted review
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Reply from 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.

Rated 4 out of 5 stars

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 .

April 9, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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.

Rated 5 out of 5 stars

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.

April 3, 2025
Unprompted review
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Reply from EP Financial Solutions

Thank you for the feedback. We are very pleased to hear about your experience with our team.

Rated 5 out of 5 stars

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!

March 24, 2025
Unprompted review
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Reply from EP Financial Solutions

Thank you for your feedback. It is much appreciated.

Rated 1 out of 5 stars

what a horrible experience

what a horrible experience i had with this horrid company over 40 quid i didnt know i owed.

March 24, 2025
Unprompted review
EP Financial Solutions logo

Reply from 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

Rated 1 out of 5 stars

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
EP Financial Solutions logo

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

Rated 4 out of 5 stars

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
EP Financial Solutions logo

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.

Rated 5 out of 5 stars

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
EP Financial Solutions logo

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.

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