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Are You Owed Money : Debt Collection reviews

Name: Debt Collection
Rating: 2.03 (72 reviews)

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1.67

Based on 72 reviews, last reviewed 31st Mar 2025

No new 5 star reviews

in the past 90 days

55% decrease in 1 star reviews

in the past 90 days

24%

3 star

2 star

73%

Latest highest rating:

5

Very good xxxxx Go with them they make sense xx very nice very good Reviewed on: 30th July 2024

Latest lowest rating:

1

Debt recovered by them and now they have closed my case They received the debt recovery money, notified me it had been collected. They then closed the case without payment and when i called up for an update... Read more Reviewed on: 31st March 2025

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About this product

Are You Owed Money 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.

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

Are You Owed Money Debt Collection reviews (72)

Review of the Are You Owed Money, Debt Collection:

Debt recovered by them and now they have closed my case

They received the debt recovery money, notified me it had been collected. They then closed the case without payment and when i called up for an updated they passed me around from one department to another until they told me to contact the customer support via email. This was 3 months ago and I've not heard from anyone since. They know what they are doing by not replying and judging by what ive now read about them doing the exact same thing to arguably hundreds of other people its fair to say you shouldn't use them. Reviewed on: 31st March 2025

Absolutely shocking.

Absolutely shocking. Chased and chased this company for an answer. case AY-5163-0217.001. Wasting so much time and they are withholding payment for a debt they have recovered. Same few members of staff answer and give the same -no-one here to talk. Have given an ultimatum - before taking this further. This company should be stuck off. CRIMINAL. If I could I would give negative stars. Been chasing my money for ten months and not received a penny and emails not replied to. STAY CLEAR OF THIS COMPA Reviewed on: 5th November 2024

Reply from Are You Owed Money Hi Francesca. We're disappointed to see this review. It has been passed to our customer service team. Response date: 4th February 2025

SHOCKING

Reference *** Took £1500 from me to setup,they have collected over £8000 over a 2 year period but are NOT passing my money over to myself.Customer services ignore ALL emails and no-one can answer any of my questions. Asked to speak to *** (*** but was refused. In process of claiming my money from a debt recovery company!! Disgusting Reviewed on: 4th November 2024

Reply from Are You Owed Money As per our responses to your other reviews across multiple platforms: Good afternoon Agnieszka. Thank you for your reviews. Regarding your case which was part of your time with us. We worked the case, we assisted in taking it to court. The case was awarded in your favour, and we successfully recovered a large percentage of the debt. At the time you spoke to our legal team, you understood the language used by our representative but to clarify, what they meant is that they could not prioritise you over other clients and put you at the front of the queue. We do not have "priority clients" and deal with each case in the order it comes to us. Regards, the AYOM team.Good afternoon Agnieszka. Thank you for your reviews. Regarding your case which was part of your time with us. We worked the case, we assisted in taking it to court. The case was awarded in your favour, and we successfully recovered a large percentage of the debt. At the time you spoke to our legal team, you understood the language used by our representative but to clarify, what they meant is that they could not prioritise you over other clients and put you at the front of the queue. We do not have "priority clients" and deal with each case in the order it comes to us. Regards, the AYOM team. Response date: 4th February 2025

DO NOT USE - Small claims court against this company

AYOM collected all monies owed to me from the debtor but refuses to pay me out. They collected in full in January 2024 and I'm still waiting to be paid anything. They've even gone as far as GDPR removing the debtors information from the portal and considering my case complete... How is this possible if I haven't received a penny? We are in the process of filing small claims court against this company and have reported to Action Fraud. Reviewed on: 15th October 2024

Reply from Are You Owed Money We recently received a review from you on Google under the name James King. We are unable to find a client on our system of the name James King. We did also ask on Google for you to get in touch so we could verify you as a user and if so, assist but we have yet to receive any correspondence to the email account requested. As per our previous response on Google: Hi James. We have an article here on why we incorporate a holding period once retrieving any money from your debtor (https://www.areyouowedmoney.co.uk/ayom-blog/post/chargebacks-holding-period.php). Whenever we receive payment, to avoid charge backs from the debtor's bank we wait until it is impossible for them to claw the money back. This timespan varies depending on the method of payment and isn't the same timescale for every payment type. Please could you email your client ID, contact email and telephone number to [email protected] for us to investigate the matter and look to resolve any problems. Regards, the AYOM team. Response date: 16th October 2024

I was owed nearly 3k and still waiting for the money...

I was owed nearly 3k and still waiting for the money 3 month's later, being parlmed of everything I phone them Reviewed on: 15th October 2024

Reply from Are You Owed Money Hi Christine R. Please can you email [email protected] with your client ID, contact email and telephone number for our team to be able to investigate. Unfortunately via your Smart Money People username alone we are unable to locate you on our system to identify you as a client. Response date: 16th October 2024

Absolutely useless

Case number AY 51630170,Im still waiting for a payment from them,can't get to speak to anyone who can answer my question, email customer service but never get replied to,same with the financial team,.Don't trust them Reviewed on: 10th October 2024

Reply from Are You Owed Money Hi Sharon. Thanks for your review. It has been passed to our customer service team. Kind regards, the AYOM team. Response date: 4th February 2025

Avoid Are You Owed Money

In the beginning, AYOM were excellent, however for the last two years, I have not had any communication from their customer service team, they owe me over £5000. You cannot email their managing director at all or speak to their finance department Reviewed on: 2nd September 2024

Reply from Are You Owed Money Hi Sandra. This is your third review of AYOM. Please find our previous 2 responses below: Hi Sandra. Our team have attempted to make contact with you however were unsuccessful. We will endeavour to contact you again to resolve the matter with you. Good afternoon Sandra. We can see that you have emailed this week and have been in regular contact with the Collections Manager in recent months. One of our team will be in touch shortly to discuss the case. Kind regards, the AYOM team. Response date: 4th September 2024

Total Shame and Scammers

We engaged this company to collect a debt for us in June 2023. Their Sales team were very good and said we would get our money back quickly. The lady at the office who dealt with the process was also very lovely and by November they managed to cut a deal a get back some of our money. At that point they told us that in the small print it said they hold the money for 3 months. We accepted this although very disappointed. It is now 9 month since the debtor paid them and still no money. Loads of phone calls but customer services never pick the phone up. Loads of emails but just excuses why and hide behind how busy they are or it's in the hand of finance who never answered the phone or an email. all we want is what we are owed and not excuses. On a finish note they apparent pay out by Cheque!!!! who deals with that nowadays. Reviewed on: 13th August 2024

Reply from Are You Owed Money Hi Ray. This is your third review across different platforms. Our customer service team have already been contacted about your other reviews and leaving more new ones will not provide a faster response. Holding periods are to protect the client. You can find all you need to know on our blog article available here: https://www.areyouowedmoney.co.uk/ayom-blog/post/chargebacks-holding-period.php Depending on the type of payment received, holding periods can vary and are not just set at 90 days. Very often, the "minimum" is 90 days. Response date: 15th August 2024

Very good xxxxx

Go with them they make sense xx very nice very good Reviewed on: 30th July 2024

Got my money back

Great service, They got my money back in no time at all. Thanks to the AYOM team! Reviewed on: 30th April 2024

We are disgusted.

We are disgusted with the lack of… We are disgusted with the lack of transparency. You must read this before you sign up with the company. We signed up with AYOM in August 2023. The salesman was very professional and said in order to get our money back we only needed to pay an upfront cost. We paid them £3,600 for them to retrieve our lost funds. They cut a deal with the person that owed us money that he would pay £350 per month. It has now been 8 months and we have received our first payment today of £1400. However, we are disgusted to find out they have taken 38% of this amount plus VAT plus a card processing fee amounting to £682.50. We have received a cheque for £717.50. It is in the small print of the T&C that they charge `38% but we were not told this and feel betrayed by their sales representative. I cannot stress enough to do your do diligence on their T&C.. We would like an answer from AYOM as to why we paid an upfront cost of £3,600. We will keep everyone posted on their responses each month and what we are going to be paid. K MARCH AY-331222 Date of experience: 03 April 2024 Reviewed on: 3rd April 2024

Reply from Are You Owed Money Hi Katrina. Thanks for leaving comments once more. This review and the others posted on other platforms will be passed onto management. We would always recommend that clients thoroughly read our terms and conditions at signup as your cooling off period is there for you to query any terms you don't understand or don't agree with. Our charges and how we work are all detailed in there. All debt collection charges are added to the debt value, of which we chase the debtor for this amount as well as your debt value. This means we will indeed collect the debt value plus charges and send these on to you meaning you will not be out of pocket at the conclusion of the case. VAT is required by law. If you are VAT registered you are able to claim this back. Kindest regards, the AYOM team. Response date: 4th April 2024

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