WB

Wayne Botelho

United Kingdom

Reviews

Review of UberEATS


Rated 1 out of 5 stars

Uber eats are an absolute shit show of…

Uber eats are an absolute shit show of a company. I ordered McDonald's through them and when the drinks arrived the driver had spilt them all through the bag. There were items missing from my order and put in for a refund. I have been waiting now for 6 days abc still no refund. I chased them up now being told I need to wait up to 15 days. It's absolutely disgusting and they don't like taking responsibility. The agents are useless and lack good customer service skills. If ever you want to order go to McDonald's directly and not use just eat. They are a waste of space.

17 July 2026
Unprompted review

Review of Raylo


Rated 1 out of 5 stars

Don't ever use Raylo

Don't ever use Raylo. Had an account with them over 2 years ago with excellent payment history and current I have No device out with them. Tried logging in and when I reapplied for a new phone it shows I'm not eligible for a phone much to my bemusement. This company are a complete joke and shouldn't be trading. I was accused of being abusive even though the agent was crap in customer service and couldn't assist me. They have no loyalty to customers who have used them before. They are a disgraceful business.
The company Raylo came back with a response saying they credit checked me so if this is the case why was I not declined the 1st time. I will be making a complaint and taking this through the Financial Ombudsman as the information is contradictory.

27 June 2026
Unprompted review

Reply from Raylo

Hi Wayne,

Thanks for your feedback and we’re really sorry we weren’t able to approve your request to add another device this time.

As an existing customer, we truly appreciate your loyalty. Each new order still goes through a few checks to help keep things responsible and affordable for everyone. We understand this can be frustrating, and want to reassure you that decisions aren't based solely on credit score, there can be several factors involved.

If you’d like to, you can review your free credit report with Credit Karma (www.creditkarma.co.uk) to make sure everything’s up to date.

We really value you being part of the Raylo community, and we hope we’ll have the chance to help again in the future.

Thanks,
Team Raylo

Review of Savvy.co.uk


Rated 1 out of 5 stars

Don't ever use Savvy as the prey on the vulnerable

Don't ever use Savvy. I took out a loan in March 2025 for £300 and repaid it back in September 2025. I then reapplied for another loan straight away and got approved for £600. I finished paying this loan in May 2026 then after reapplying again I was declined. The company are a complete disgrace and farcicle and should not be allowed to sell loans to customers. They obviously dont credit check otherwise why were the 1st and 2nd loans I took out approved. The company are shambolic and cannot see how they are regulated under the financial conduct authority as they miss sell loans to people in a vulnerable state. I put through an unaffordability complaint and they have 8 weeks to respond or will take this to the Financial Ombudsman. Time for Savvy to put things right as you have put me in financial turmoil lending to me.

29 May 2026
Unprompted review

Review of Just Eat


Rated 1 out of 5 stars

Just eat are an absolute crap service

Just eat are an absolute crap service. I ordered domino's pizza yesterday for my family and on arrival the driver could not find the address and went to another address even though I stipulated the correct address on my delivery on arrival opened the pizzas and they were cold. I put in a claim for a refund on just eat and i got a response saying that We've looked into everything in detail to see what we can do. On this occasion, we're unable to offer a refund or compensation based on all the information we have. Then go on to say thank you fir your understanding. Now I font think this is acceptable as I dont use just eat often but when I do I expect a level of service and they dont take any responsibility. I paid £34.99 which included delivery for pizzas that was not to the standard to what I expected. Just eat you need to sort yourself out and won't be using your service again if this is how you treat customers

13 June 2026
Unprompted review

Review of Savvy.co.uk


Rated 1 out of 5 stars

Absolutely awful company to deal with

Absolutely awful company to deal with. They staff are so rude and condescending. Took out a loan last year which was repaid and then Savvy allowed me to take out another loan the same day which has just recently been paid off in may. I tried to reapply only for it to be declined. I never missed payments and my history to savvy was excellent. They stated it was my credit report. My credit report had never changed in the last 5 years so why was I approved for the 1st 2 loons I took out. I'm now raising a complaint for irresponsible lending and will also be taking this to the Financial Ombudsman as Savvy.co.uk act unethical and should not be allowed to trade. They are legalised robbers.

29 May 2026
Unprompted review

Review of Savvy.co.uk


Rated 1 out of 5 stars

Took out a loan with Savvy in 2025…

Took out a loan with Savvy in 2025 which was repaid and then they allowed me to take out a loan straight away which has just been repaid. Just put through an unaffordable lending claim as they do not carry out credit checks as if they did they would of seen that I was in debt. They do not follow the fca rules and guidelines and should not be allowed to carry on trading. They are legalised robbers who prey on the vulnerable and do not like if you want to repay your debt early. They declined my 3rd application stating my credit didn't pass the check. So why wasn't the 1st or 2nd loan get declined as my credit score was bad then also. I put through a complaint which I'm waiting for a response and gave them an 8 week tineframe to respond then I will go to the Financial Ombudsman for final determination.

29 May 2026
Unprompted review

Review of Fernovo (Quidie Limited)


Rated 5 out of 5 stars

Great and easy application process

Great and easy application process. Was very smooth and will definitely be using again.

24 April 2026

Reply from Fernovo (Quidie Limited)

Thank you!
We’re so glad to hear the application was smooth and easy for you. We look forward to being here for you again in the future!
Fernovo Team

Review of UberEATS


Rated 1 out of 5 stars

I ordered McDonald's and is powered by…

I ordered McDonald's and is powered by uber eats. The driver took an age to find my address. When he finally did my daughter took delivery. On receipt of my order only drinks arrived with no food. I tried calling the driver whom took my call and then soon after blocked my number. I messaged uber eats through live chat and explained and I paid £37 for my order but only will refund me £23. I said I don't want the drinks and to take them back. I wanted my food. Uber eats are an absolute shit show and does not take responsibility for their mistakes. They should be out of business if they cannot correct their mess ups as me and my family are hungry because of incompetence.

2 April 2026
Unprompted review

Review of Rewards4Racing


Rated 5 out of 5 stars

Great company and like the way you can…

Great company and like the way you can redeem points which can be used. They are a great sbd went into a competition using my reward points to go horse racing. Hopefully I win

9 March 2026

Reply from Rewards4Racing

Thank you for your 5* review. We love to hear when members are enjoying the programme and love them to recommend it to other racegoers. Did you know that you can make unlimited referrals and collect £10 for every friend who joins and shops online?

Best wishes,
Rewards4Racing Team

Review of Just Eat


Rated 1 out of 5 stars

I would just like to say how terrible…

I would just like to say how terrible just eat are. I bought 2 x bacon baguette for my children and 2 drinks. On arrival the drinks had leaked onto the baguettes and was somewhat saturated which meant I had to throw them away. I put through a compensation claim only for myself to just receive an email saying my refund request was not successful. This is a complete and utter disgrace whom just eat do not take responsibility for there drivers. I will not be using there services in future if this is how they treat customers and delivery of orders.

14 March 2026
Unprompted review

Review of Paddy Power


Rated 1 out of 5 stars

The staff at paddy power are so rude

The staff at paddy power are so rude. They settled my bet incorrectly in shop then after going back to the shop to query it I was told I need to speak to online chat which I thought was ridiculous however I did do it. I was on live chat for ages only to give them my bet slip number and he said he could not find it. I said how can that be. It is a complete shit show. He then miraculously found the bet ID and instead of saying I have now added the difference to the account and apologise for the mistake he rudely replied ADDED. Now that does not sound like great customer service in my book. It was plain ignorance and the staff need retraining. I rated paddy power zero. Worst customer service agents ever.

13 March 2026
Unprompted review

Review of Goggles4u.com


Rated 1 out of 5 stars

I would just like to say how much of a…

I would just like to say how much of a cowboy company goggles4u are and would not recommend anyone to use them as communication is very poor. I was sent an email stating that I would be receiving a refund in 3-5 days and the time is lapsed and no refund received. I sent 3 email chase ups and not have been responded to. Either I'm being ignored or they are just planright rude.
They also said they would offer me a refund and wanted me to delete my previous negative review as the glasses were made poorly and I could not see out through them. First they said to send it back to them which I had to pay the postage them they said I could keep them or donate them
It's complete shocking how this company can continue to trade.

12 March 2026
Unprompted review

Reply from Goggles4u.com

Hi Wayne,

We regret to hear about your dissatisfaction with the received glasses. At Goggles4u, we strive for customer satisfaction and provide our customers with the best products at competitive prices.

We can see our support team has offered a replacement since you were facing a vision issue with the received glasses. Since you are no longer interested in the replacement, we have forwarded the refund to our billing team. It will be processed within the next few days. We hope to serve you better in the future.

Regards,
-Goggles4u

Review of Paddypower


Rated 1 out of 5 stars

I would just like to express my concern…

I would just like to express my concern about paddy power and how unethical they are as a betting firm. If I could rate zero star I would. I Placed a bet on Monday on a special listed on there website for horse racing. The 2 horses in question was Catchintsavo & Micene 5/4. Placed this in good faith however when looking at the price for Micene they incorrectly had the price listed as 1/11 instead of 10/11. So because the special picked up the price as 1/11 instead of 10/11 it subsequently made the special shorter than it should of been around the 5/2 and 11/4 price. Paddy Power later realised this and amended the price 5 minutes later to the the correct price on the win market and subsequently the special changed to what it should of been in the first place to 5/2. Now having placed the bet and taken the 5/4 i challenged this with the online team and I spoke to the live chat team and they were agents whom i spoke to were very unhelpful to say the least and could not understand and you cannot speak to anyone via phone service anymore which I think is a complete disgrace. I sent several emails into the ceo Peter Jackson whom never responded to one single email I sent however instead I got an email from the senior complaints executive stating that they wouldn't refund me the difference even though there price was incorrect at the time. This is disgraceful as a betting firm that they can make a mistake and not own that mistake. If they paid me out incorrectly they would want the money back and similarly I would expect the same under the fairplay rules. If they make the price wrong and change it later they need to acknowledge this which as a punterI expect the prices to be correct. The traders show that the price for micene was never 1/11 at any point so paddy power made a genuine mistake which happens however they need to acknowledge and correct it for the punter when they do. I have used paddy power for many years and my turnover was in excess of 20k in a year and they treat customers in this manner is shocking. As soon as Cheltenham is over I will be permanently closing my account as what they did on Monday was theft and in essence have stolen my money.

9 March 2026
Unprompted review

Review of Goggles4u UK


Rated 1 out of 5 stars

I would like to say how much of a…

I would like to say how much of a terrible service i received from Goggles4u.
I gave them my eye prescription and ordered verifocals and they have not been made properly. The whole idea of verifocals is that you can use it for reading as well. The customer service team are really unhelpful and i got cut off from the live chat which is useless to anyone and no phone service. What sort of shambolic company is this whom do not offer an aftercare. I have been ripped off an paid for glasses which are not fit for purpose hence the reason i ordered verifocals.

2 March 2026
Unprompted review

Reply from Goggles4u UK

Dear Wayne,

Thank you for your feedback, and we’re very sorry to hear about the difficulties you’ve experienced.

As per our records, our chat support offered a replacement for your verifocal glasses. Unfortunately, your previous frame is now out of stock, so we’ll need you to choose a new frame from the same price range. Additionally, your prescription was missing the PD measurement, so please provide that when selecting your replacement frame.

We also noticed that your live chat was disconnected — our phone support is available 24/7, and the number can be found at the bottom of our website. You can reach out with your frame selection and PD details, and our customer service team will ensure your replacement is processed as quickly as possible.

We appreciate your patience and the opportunity to resolve this for you.

Regards,
-Goggles4U

Review of Lowell


Rated 1 out of 5 stars

Lowell tried to say that i owe money to…

Lowell tried to say that i owe money to them which was for an old sky debt which shows by balance as zero. They tried telling me when I disputed it that when a debt is sold on the balance get cleared. So they cannot provide me with a signed contract and they cam whistle for this. Under the bills of exchange act 1882 UK Act of Parliament that codified the laws governing negotiable instruments, including bills of exchange, promissory notes, and cheques. It defines a bill of exchange as an unconditional written order, signed by the drawer, requiring a party to pay a specific sum on demand or at a fixed future date. Lowell do not have any jurisdiction and cannot enforce this. They cannot provide any legal documentation suggesting im the legal owner of this debt. I have now taken this to the ombudsman as they are a fraudulent company whom try to exploit customers. They don't realise people like myself understands law and has a bit of savvy. I will see you in court lowell.

1 February 2026
Unprompted review

Reply from Lowell

Wayne Botelho

To find out more about Lowell - including the answers to many FAQs that may help you understand our position visit https://www.lowell.co.uk/help-and-support/

We’ve sent you a DM to see what we can do to support you. Please don’t worry – just get in touch so we can help.

Kind regards
Sara

Review of Just Eat


Rated 1 out of 5 stars

I must say that just eat are a terrible…

I must say that just eat are a terrible service and that is to put it mildly. I ordered our Sunday dinner yesterday through just eat from sainsburys chadwell heath because I couldn't be bothered to go out and waited for 20 mins then 1hr and then 2hrs and my delivery still never turned up. When placing the order the eta I got was 20 mins so I thought being Sunday it may take a bit of time. I waited for over 2hrs then the status of my delivery had changed to delivered even though its not. I then had to go out anyway as my kids were starving and purchase this anyway so not only was I charged through just eat but then I has to pay again to get the food I ordered. Its completely disgraceful and should be shut down as this is completely unacceptable for a delivery service to conduct themselves I this way. I will never use just eat again to get my food service

1 February 2026
Unprompted review

Review of Community Fibre


Rated 1 out of 5 stars

Community Fibre should not be trading…

Community Fibre should not be trading as they stated I would be receiving over 100mbps however was only receiving 20mbps for months. This was reported however nothing was done and asked to download ookla where I can do a speed test and even that showed 28mpbs which was far lower then I should have been getting. I spoke to an agent a couple of weeks ago and was promised that a manager would investigate this and get back to me which never materialised. This company lies alot and cannot be trusted. The technical support is absolutely useless and do not take any responsibility. Just spoken to an agent on livechat whom disconnected my chat. Explained to him the situation and said the do not compensate for slow speeds only loss of service. This is what I was receiving no service as was constantly buffering. I would not recommend anyone to join Community Fibre as the aftercare is useless who don't care about there customers. They should be shut down if they cannot provide a service and continue to charge customers for no service.

27 December 2025
Unprompted review

Reply from Community Fibre

Good morning,

I'm sorry to hear of the poor experience you have had with Community Fibre.

I have been able to locate your account, and have acknowledged your complaint via email. Please check your junk folder should this not be visible in your inbox.

Thank you in advance for your understanding and cooperation.

Regards

Simone
The Community Fibre Team

Review of Coral


Rated 1 out of 5 stars

FRAUD BY CORALS LC INTERNATIONAL

I would just like to say that I don't trust corals with your money. I just woke up and they have stolen money out of my bank account. I have just carried out my accounting and 2 payments for the identical amounts of £33.53 was taken which only I made payment for one. This is fraud in its highest category and corals help themselves to your money and should not be legalised betting operators. I will report this to the police if not sorted today. Just called corals for an update whom has confirmed they can see a 2nd payment being debited and I have to wait 24hrs for an update. This is a fraudulent company whom shouldn't be allowed to trade as they have just helped themselves to my money. Why should I wait when they have messed up. Please nobody give your card details as they will rinse your bank account and should be reported for theft.

5 September 2025
Unprompted review

Review of cashasap.co.uk


Rated 1 out of 5 stars

Company is a waste of time and effort

This company is a waste of time and effort. I applied for a small loan only to be rejected. I don't have hardly any finance yet they never approve customers. Steer clear from this dead company.

11 August 2025
Unprompted review

Reply from cashasap.co.uk

Hi Wayne,

We are very sorry to see your 1 star review.

We know that it is disappointing when your application isn't approved and we really appreciate your interest in our service.

Sadly we are not able to approve all applications.

If you would like to receive further information about your application, you can send an email to info@cashasap.co.uk and our customer services team will be happy to help you.

Kind regards,
cashasap.co.uk

Review of Community Fibre


Rated 1 out of 5 stars

The customer service is dreadful and…

The customer service is dreadful and technical support even worse. My broadband was installed 2 weeks ago and only last Friday have I been able to use it. I was offered minimum 100mbps but receiving in the region of 8-10 which was totally unacceptable. I have now been offered next month free but should be applied this month if you ask me.
Next problem is I tried calling my elderly mum whilst at work to know my calls are not connecting. A few weeks I was offerer a temporary number to use during the porting process and this does not work. I spent approx 45 minutes to technical support who were absolutely useless and all she kept saying is she needs to do checks but no resolution. At the end of the call still no phone service cannot make or receive calls.
I recommend anyone to stear clear of community fibre. The service is absolutely dreadful and the agents lie continuously.

6 August 2025
Unprompted review

Reply from Community Fibre

Good morning,

I'm sorry to hear of the poor experience you have had with Community Fibre.

I would like to review this and provide an accurate response, so we will need more information from you (specifically, your address which will enable us to locate you and review the issues you have raised).

I have, therefore, requested more information via. Trustpilot and your response to this request will not be visible publicly, only to me.

Thank you in advance for your understanding and cooperation. I look forward to hearing from you so we can see exactly what happened here and use this review.

Regards

Miriam
The Community Fibre Team