Write a review

Go to business site

Ayom Debt Recovery: Debt collection reviews

Name: Debt collection
Rating: 1.89 (83 reviews)

View other Ayom Debt Recovery products

1.51

Based on 83 reviews, last reviewed 6th Jan 2026

No new 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

20%

3 star

2 star

78%

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

Reviews AYOM (Are You Owed Money Ltd). 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... Read more Reviewed on: 6th January 2026

Read all reviews See your 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.

Ayom Debt Recovery Debt collection reviews (83)

Review of the Ayom Debt Recovery, Debt collection:

Amaazing service

Debbie my account manager was very clear and helpful! Would definitely recommend Reviewed on: 2nd September 2021

Reply from Ayom Debt Recovery Good morning. Thank you for your review. We are very appreciative of the recommendation. Please do get in touch if we can answer any questions about the case. Kind regards, the Are You Owed Money team. Response date: 3rd September 2021

Avoid at all costs

Sadly a very poor experience. Despite collecting in all the money from our customer, they are yet to finish paying over the amount to us. Will not respond to emails or phone calls. Avoid these people at all cost, they will keep your money. Case AY-5159-4587 Reviewed on: 9th April 2025

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

They’re advertising is a scam!

They’re advertising is a scam!!!no win no pay is a scam!!!you will charge you even they don’t get your money back!!!like is the most of the cases!!!avoid them on all costs!! Reviewed on: 20th February 2025

This organisation should be banned from trading

Have been awaiting a response from AYOM's I have been chasing them for several months and they cannot be bothered to reply. I've not received any of the money that is owed to me despite my debtor having paid the full amount back in April 24 nor have I had any kind of response or update. Given the number of people posting ta similar response I'm surprised the newspapers haven't picked up on this scam have given them to the end of the year to respond then its off to small claims court. Would be nice to just see them pay up for the money I'm owed. End of the day they have charged me for the privilege and held my funds for 8 months gaining interest. I wouldn't use them again. Despite taking them to small claims court and arranging for mediation they don't bother turning up even though they admit they have my money. Now it goes to Court to get what they owe me absolutely terrible to deal with please if you have any sense you would not use this company. This organisation should be banned from trading despite confirming on court papers that they owe me the money they have still not sent the cheque when you chase they say email your issue in and someone will get back to you because we are so busy. So you email and never here from them again. Reviewed on: 11th February 2025

DO NOT USE

Their debt recovery side is very good but it would be as this company is collecting your money, but not for you, rather for themselves! AYOM collected over £5,000 for us on 8th August 2024 and as of today we have not seen a penny of it. First they will tell you their repayment terms are 60 days, they they will tell you it can be 90. This is if you can get hold of their 'Customer Service' team which you will struggle to do. DO NOT USE AYOM, they are a scam company. Reviewed on: 21st January 2025

Reply from Ayom Debt Recovery Good morning. Thank you for your review. Please could you email [email protected] with your client ID, contact email and telephone number so our team can investigate your case. We are unfortunately unable to identify your case by your Smart Money People username alone. Kind regards, the AYOM team. Response date: 4th February 2025

Being scammed?

Two years ago I had a problem with a tenant not paying her rent. Long story short she ended up owing me around £1250. In trying to find a solution I came across Are You Owed Money and after a very helpful phone call signed up with the promise that if they recovered my money they'd also tag on the fee to the debtor so I wouldn't be out of pocket there either. Fast forward some months and they eventually got the debtor to pay up with a payment scheme. And that's where my problems started. I thought - mistakenly - that I'd simply get paid when they did. However they needed to go beyond a claw back period to ensure AYOM didn't pay me only for the debtor to claim it back. Fair enough. But then because the debtor was paying by card that could be around 180 days. Okayyyy. So I waited patiently for the instalments to start coming in. And I waited. And waited. Despite many phone calls and emails around 7 months from the first instalment I have received £0. Whilst AYOM confirmed they'd received £2k (they obviously bump the amount up significantly to cover their costs) they have yet to remit a penny. I've got no indication when or even if they will ever pay me my own money back. It's an ingenious scam it appears. You provide the debtor, you pay them to recoup the money, they get it back and keep it. Please don't fall for it. Reviewed on: 9th January 2025

This is a scam company.

This is a scam company. They make their money by charging their customers cancellation fe of £150 when they cancel their request due to poor service. Reviewed on: 24th December 2024

Taking legal action against them

This is not a debt collection company. They are out and out thieves. They collect the money you are owed, then keep it. They have been sitting on my money since July. They are probably bankrupt. I'm taking legal action against them. Reviewed on: 10th December 2024

Waste of time.

Waste of time.... Promise a lot and underdeliver. After 7 months not a penny collected and all they do is send texts and emails. Avoid Reviewed on: 22nd November 2024

Great sales pitch, terrible service.

Great sales pitch, terrible service. Lots of automated emails and messages sent but no action like phone calls, visiting the debtor, or enforcement taken. Very much felt like a 'take your money and run' operation. And no updates, not even when requested via their client portal. Extremely disappointing and we will never use them again. But it was an expensive lesson. Reviewed on: 14th November 2024

Alternative products

Advice service
from Debt Free Advice 5.00 from 5 reviews
Debt Solutions
from MoneyPlus 3.00 from 1 reviews
Debt Management
from DFH Financial Solutions 3.67 from 3 reviews

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

News, guides and insight from our team

View resource hub