Smart Money People Logo
Go to business site
Share this page
Link copied

Ayom Debt Recovery: Debt collection reviews

View other Ayom Debt Recovery products
1.49
Based on 84 reviews, last reviewed 5th Feb 2026
No new 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
20%
See only 4 star reviews
2%
3 star
See only 3 star reviews
0%
2 star
See only 2 star reviews
0%
See only 1 star reviews
78%

Latest highest rating:

5

Very good xxxxx Go with them they make sense xx very nice very good Reviewed on: 30th July 2024
Mark wilde 's avatar
Mark wilde

Latest lowest rating:

1

DO NOT USE THIS COMPANY Do not use this company, I was told by their sales person the procedure of collecting money which afterwards I found out was total lies. They collecte... Read more Reviewed on: 5th February 2026
Shirley C's avatar
Shirley C
Read all reviews Write a review

About this product

Ayom Debt Recovery provide services to help with debt collection including recovery, tracing, mediation, credit checking and legal support.

Each client has a customer service contact as well as a profile on a client portal. The details of the case are updated 24 hours a day so you know what’s happening with your debtor.

Ayom reviews help you find out what it’s really like to be a customer. If you’ve used Ayom before, you can also leave a review and share your experience.

Review Ayom Debt Recovery: Debt collection now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Ayom Debt Recovery Debt collection reviews (84)

DO NOT USE THIS COMPANY

1
Do not use this company, I was told by their sales person the procedure of collecting money which afterwards I found out was total lies. They collected very little and after all their extortionate fees, I gained only a small amount of what was owed. I've only just found out that last September they closed my case with still over £50k of debt, unfortunately they had no discussion with me, sent no email or letter to me to say they were closing it. The reviews from many speak for themselves that this company will lie to get the work, take as much money if they do manage to recover any, and if it means more than an odd telephone call or letter to the debtor then they close the case. When you say "but the sales person said" they accuse you of lying as their sales people would not say that. DO NOT USE THI COMPANY Reviewed on: 5th February 2026
Shirley C's avatar
Shirley C

Reviews AYOM (Are You Owed Money Ltd).

1
Scammers Avoid I used AYOM (Are You Owed Money Ltd) to recover a business debt earlier this year. The debtor paid by Faster Payments in June last year. AYOM did not pass on the remaining balance to my company. I chased them multiple times over several months. All messages were ignored and no payment was made to me. In the end, I had no choice but to start a County Court claim just to recover money that was already paid. The experience was stressful and time-consuming, and communication was very poor once they had the money. Based on my experience, I would not recommend this company. Reviewed on: 6th January 2026
Andre Z's avatar
Andre Z

If minus stars was a thing they be minus 10

1
Outrageous must be a scam company they charge you a fee upfront enter into a payment plan with the debtor in my case more than 4 years the debtor was ‘paying off’ £10 per months owed to me but £17 per month to them they confirmed the collection of the fee in full 6 weeks ago and are refusing to pay with not respond to emails and hang up the phone on you saying customer services is only available via email high they ignore. Reviewed on: 11th November 2025
SL's avatar
SL

Re AY-320743 Unreturned Funds and Poor Accountability

1
Re:AY-320743 I have delayed writing this in the hope of a resolution. Unfortunately, despite repeated attempts to engage AYOM, the matter remains unresolved. 2019: AYOM’s frontline officer demanded a £1,200 “collection charge” upfront and required me to sign an invoice which, in tiny print, stated that my signature meant I had accepted AYOM’s terms and conditions. No hard or digital copy of those terms was provided at the time. 2021–2022: AYOM recovered £500 and remitted only £275 to me—without explanation—contrary to assurances that their fees would be recovered from the debtor and that I would be paid in line with the County Court Judgment. AYOM subsequently recovered a further £3,300. Later, when the debtor sought to pay £10,000 directly to me, I acted in good faith and asked him to route it via AYOM, given they had already commenced recoveries. Outstanding balance: As at today, AYOM still owes me £12,839.21 plus the £1,200.00 refundable deposit. In June 2024, AYOM’s Director of Operations stated that a payment of £7,136.00 had been “attempted”, but no evidence was produced when requested. Communication: I have sent over 70 emails including countless letters and phone calls to AYOM without a meaningful response. My most recent email, on 06 October 2025, again asked AYOM to deduct their charges and pay the balance. Instead, AYOM unilaterally declared the case closed. This prolonged situation has caused significant distress and has adversely affected my mental health. In my view, AYOM’s handling of this case falls short of the standards of transparency, lawful conduct and customer care that customers should reasonably expect. What I am seeking: A full, itemised statement of all sums recovered, fees applied, and monies held; and Immediate remittance of the net balance due to me (after any contractually agreed charges). AYOM should urgently review its governance, documentation practices, and customer service. A transparent reconciliation and prompt payment would be the right first step. I will update this review should AYOM decide to resolve this issue. Reviewed on: 11th October 2025
Olumide S 's avatar
Olumide S

Dont waste your time

1
Useless! Sent the person that owed me money countless emails and attempted to call them. This softly softly approach to debt collection only works in a fantasy land Reviewed on: 5th September 2025
David Q's avatar
David Q

Terrible customer service.

1
Terrible customer service. Recover found but don't pay to their customers Reviewed on: 21st August 2025
Sandra Squire's avatar
Sandra Squire

Extremely disappointing experience

1
Extremely disappointing experience – avoid this company. They collected payments from our clients without notifying us, and we only found out because a few clients reached out directly to confirm they had paid. It’s now been three years, and I’m still chasing them to transfer the funds owed to us. There is no phone number to contact the relevant department. communication is only via email, and they rarely respond. Additionally, their customer service has been consistently unhelpful and, at times, outright rude. Reviewed on: 9th July 2025
Apartment Wharf's avatar
Apartment Wharf

Rogue Company

1
AYOM collected the debt from my debtor but failed to pass it on to me Reviewed on: 8th July 2025
Roy C's avatar
Roy C

DO NOT USE THIS COMPANY IF I COULD GIVE MINUS STARS...

1
DO NOT USE THIS COMPANY IF I COULD GIVE MINUS STARS I WOULD DO. FALSE ADVERTISING ON THEIR WEBSITE AND NOTHING RECEIVED FROM THEM OTHER THAN A COMPUTER PRINT OUT WHICH TELLS ME THEY HAVE RECEIVED THE MONEY I AM OWED BUT NOTHING FROM THEM AND NOTHING IS THE SERVICE RECEIVED FROM THIS COMPANY, PROFESSIONAL SCAMMERS WHO DELIVER AN UNPROFESSIONAL SERVICE AND ONLY HAVE ONE DIRECTOR IN THE COMPANY WHICH WAS INCORPORATED IN FEBRUARY 2025 !!!!!! I have never been treated so badly by a company. It is bad enough that a company did not pay for all the services I offered but it is worse that ARE YOU OWED MONEY received my monies and have not paid this out to me. I send emails to customer service, I phone them no answer. Quick enough to take the case at the beginning but no service once they RECEIVED THE MONEY I WAS OWED. . I now email them daily and try to get someone on the phone (not a chance). I still have not got any money or answers to my complaint. They do not even follow their own complaints procedure and just ignore you so use another company or go through small claims court at least you would have something to show for the work that you do. DO NOT USE THEM THEY ARE SCAMMERS AND EVEN ON COMPANY HOUSE HAVE HAD TO START A NEW BUSINESS THIS YEAR SHOCKING SHOCKING , SHOCKING. Reviewed on: 6th May 2025
SHEILA 's avatar
SHEILA

Haven’t paid debt recovered

1
Collected debt but haven’t paid out, 9 months since saying debt had been paid by the debtor. Didn’t tell us it had been paid, we contacted them and they said we’d hear from the financial department. Passed around between departments and no longer receiving contact. Reviewed on: 25th April 2025
Siobhan's avatar
Siobhan

Review Ayom Debt Recovery: Debt collection now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill