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Are You Owed Money : Debt Collection reviews

Name: Debt Collection
Rating: 2.27 (49 reviews)

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2.27

Based on 49 reviews, last reviewed 24th Sep 2023

No new 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

29%

3 star

2 star

67%

Latest highest rating:

5

Great Debt Recovery Company :) It took some time with Covid-19 and problems with the person owing the debt trying to get out of it but after some time Are You Owed Money finally rec... Read more Reviewed on: 1st October 2021

Latest lowest rating:

1

Not regulated by the FCA, and a company committing financial crimes against debtors and creditors Firstly, this company, Are You Owed Money Limited (AYOM Ltd) [No. 08987565] is not regulated by the Financial Conduct Authority. In one review, by Mon... Read more Reviewed on: 24th September 2023

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Are You Owed Money Debt Collection reviews (49)

Not regulated by the FCA, and a company committing financial crimes against debtors and creditors

Firstly, this company, Are You Owed Money Limited (AYOM Ltd) [No. 08987565] is not regulated by the Financial Conduct Authority. In one review, by MoneyNerd, it was reported as being regulated by the Financial Conduct Authority. But this is not true. It is an unregulated company. It is not regulated by anyone. Second, it is a company that is involved in the dishonest extraction of monies, false accounting, omission of payments, reporting of false values for accounts, in the dishonest taking of financial advantage of clients and debtors, and in the committing of financial crimes against people unfortunately involved with this company. It is a shady and dishonest company that seems to be run by one person from an industrial unit in Preston. A company that does not allow people to clarify tangible facts with them because they make false accounting. This is a company pretending to be a normal debt collection company, but it is inherently dishonest and shady. This dodgy company now owes me money, money that they will not pay. This money went missing and is still owed to me. AYOM Ltd omitted this amount from the calculations even though there is banking account evidence. They are a company that has also been attempting to make money from money that people do not in fact owe. Then they send out scam bills to people that are designed to con those ones out of money and take financial advantage of them. The man who runs this company, Robert Joseph Thomas LOGAN, has three first names, and needs to go to prison for these financial crimes and for operating what is a con artist's company. There also seems to have been false accounting performed on their accounts with the government. It looks like they are also committing tax fraud, and somebody needs to look at the financial accounts of this company. All communications with this company are 'airhead' communications, like the person who answers the phone is not a full ticket or is not all there. I had terrible problems with a 'Tracy Holliday' on the phone that led to me writing a formal written complaint about her to the company in March 2023 and I was met with total evasion by her and by the company itself, and she was formerly dishonest about the amounts and values and what had been paid. Is it her correct name? Tracey Holliday? In my opinion she always seemed 'punch drunk' on the phone, like she could be taking something to be honest and frank with the readers of this review here. In any case, further to their incessant and dishonest attempted acquisition of monies from me in the face of the clear evidence that shows that this money is not owed, I am in the process of making formal written legal complaint about this company to the authorities. However, the problem is that neither the Financial Conduct Authority nor the Financial Ombudsman can do anything about it, because this company is an unregulated company. AYOM Ltd has also received monies that it should not have, because of a debt that did not exist. Furthermore, AYOM Ltd has repeatedly lied about my formative payments and they omitted further payments from the calculations, thereby deriving their own values ad libitum. Also, their initial letter in 2022 states and documents an entirely false value in the first instance. I am clear that I have been therefore exposed to financial abuse by this company, and I am of the opinion that this company is not an honest one. These facts are now well documented as well as my formal written complaints against them and can be used in case against this company relating to dishonesty and for the false acquisition and extraction of monies via fraudulent practices that are designed to take financial advantage of both debtors and creditors, and of all parties involved with them. Any person would be well advised to stay well away from this company. When becoming involved with this company, the thing that a person should do, is to contact Action Fraud. This is the course of action that a person should take against this fraudulent company. Reviewed on: 24th September 2023

A Scam. That's Not What was Promised

Case No: AY-5160-0624 In November 2022 AYOM Contacted me, through their facilitator Mr * ******, to discuss my case for a debt collection. We agreed a date to call to discuss. In the meantime, AYOM asked me to send all the necessary documents for them to review prior to the next phone call. One of the documents included a a confirmation that my debtor had made me a verbal unacceptable offer of £5,000 to settle the case. During the appointed 10-minute telephone call with Mr *******, I was told that AYOM will have an 85% chance of recovering the debt including the reduced AYOM fee of £1500 (Incl VAT) which AYOM would charge me. Mr ***** assured me that my case was solid. I sent AYOM all relevant documents prior to signing the contract to ensure that all is kosher, and asked AYOM to let me know if there is anything else they require. In late December the contract was signed and the agreed fee of £1500 was paid. Days and weeks passed with little progress. In mid February 2023, AYOM emailed me requesting written proof of the client's offer to settle. I reminded them of the letter (copied to AYOM in November) which I had sent to the client confirming my rejection of his verbal offer of £5,000. AYOM did not respond to that. AYOM claimed I did not inform Mr ******* (of the verbal offer) during our 10-minute phone call. I disputed that and demanded a transcript of that phone call. On 15 March, AYOM emailed me only two lines of that 10 Minute phone call which did not proof their allegation. Back and forth between AYOM and myself to no avail and without AYOM responding to my request to prove their allegations. I requested, as within my legal rights, copies of whatever correspondence or telephone contacts AYOM had with my Debtor/Client to show what efforts has AYOM made towards resolving my case. Nothing. I wrote AYOM demanding the refund of the £1500 fee paid. But they refused. They closed my case. All attempts to contact AYOM by email remained unanswered or repeating the same allegation without proof. All telephone attempts to contact Customer Services, the Legal section or Mr *******, were diverted to "Collection" who advised me that they will pass my query by email to the relevant section and urged me to wait. The last automated reply from AYOM was dated 9.6.2023 which said: "The team will respond to all client enquiries / updates as soon as possible. We are experiencing high volumes of enquiries, so please allow up-to 2 working weeks for a response. If your enquiry is urgent, please call 0333 355 7114 to speak to one of the Customer Services Team". Nothing since.. I am now going legal unless they pay up in 14 days. Reviewed on: 24th July 2023

Reply from Are You Owed Money Good afternoon Antoine. All cases we accept are based on the information provided by our clients. The details given to us were what made us believe we could have success working this case. It transpired what information was given to us at the outset was not sufficient to enable us to continue the case on the initial premise. We asked for additional evidence which would support any claim you wish to make but you were unable to provide this. We dispute your claim that the case was a “total failure”. We worked the case fully with what information we were given and updated you when we required additional information. Regards, the AYOM team. Response date: 24th July 2023

Absolute scammers

I registered with AYOM in February 2021 to recover debt from client who did not pay their invoice. I was promised successful action and that they will not only send correspondence to the debtor but will also visit their premises to communicate directly. For 6 months they were only sending automated text messages and some letters, and calls but there was no visit. After 6 months the debt was not recovered, I was advised about filling the claim in Small Claims Court. AYOM's legal department prepared claim and sent to the court, but I paid the fees and conducted all further work with the court case. Finally client paid, but not as a result of AYOM's activity, but as a result of my claim. After the client paid, AYOM charged me almost £700 of "success fee", which they should not, as none of their actions resulted in debt recovery. However their legal department (despite claiming that they do not provide legal advice), stated " don't worry, we can now legally claim it back, as the order was made". They wanted to make another claim but I refused, worried about yet another "success fee"! I made the claim myself, as per their advice, and in June 2023 the claim was rejected by the judge as "abuse of process" as AYOM should know that debt recovery fees MUST be claimed as a part of initial claim, and any secondary claims are indeed abuse of process. I was yet again completely mislead by AYOM, and they should have known that. I did not only pay success fee for success that I achieved myself, but I was also mislead with regards to the advice of their legal department (if they have legal department and legal professionals – this means they DO offer legal advice), which costed me additional money spent on court application, two days loss of income (cancelled bookings, the case was initially adjourned), travel costs, printing costs for the bundle, postage costs. Complaint process with AYOM proved to be unsuccessful, with their customer service providing answers that were contradictory and claiming their success and at the same time stating that claims were mine and I was supposed to check them. I do not have legal experience or knowledge, that's why I hired professional company with legal department. I would not know if the claim was correct. I was mislead about entire process. I would also like to complain about the delays with dealing with my case, my need of frequent reminders and their response that I am not a priority client and was pushed to the back of the queue. I would like my "success fee" refunded, along with other costs I had, because if their misguidance. Reviewed on: 18th July 2023

Reply from Are You Owed Money Hi Agnieszka. Thanks for taking the time to leave a second review on a second platform after already reviewing us on another platform to which our team are investigating. As with that review, our team are looking into it. Leaving multiple reviews will not speed up the process. Regards, the AYOM team. Response date: 18th July 2023

AVOID AT ALL COSTS!! NOT EVEN WORTH 1 STAR!!

I have engaged a solicitor to get my many back which is just over £10,000.... they have had it for 10 months and refuse to give it back. AVOID THIS COMPANY AT ALL COST!!! SCAMMERS!!! They have never called or emailed me in the 14 months since I signed the contract. The staff feed you a complete pack of lies ehen you call them and ask you to keep emailing but you will never get a responce. PLEASE USE A REPUTABLE BUSINESS...DO NOT USE AYOM!!!! Reviewed on: 24th April 2023

Reply from Are You Owed Money Hi Stephanie. As per our original response to each of your numerous reviews across several platforms. We are disappointed to see you feel the service has been worth 1*. We have successfully recovered the full debt value plus debt collection charges after you passed the matter to us. Kind regards, the AYOM team. Response date: 24th April 2023

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Are You Owed Money : Debt Collection reviews

No new 5 star reviews

50% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About the Debt Collection

Review Are You Owed Money : Debt Collection now

Are You Owed Money Debt Collection reviews (49)

Not regulated by the FCA, and a company committing financial crimes against debtors and creditors

A Scam. That's Not What was Promised

Absolute scammers

AVOID AT ALL COSTS!! NOT EVEN WORTH 1 STAR!!

Review Are You Owed Money : Debt Collection now

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