Write a review

Are You Owed Money : Debt Collection reviews

Name: Debt Collection
Rating: 2.04 (71 reviews)

View other Are You Owed Money products

1.68

Based on 71 reviews, last reviewed 20th Feb 2025

No new 5 star reviews

in the past 90 days

40% 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

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!!!av... Read more Reviewed on: 20th February 2025

Read all reviews See your review

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 (71)

Review of the Are You Owed Money, Debt Collection:

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

Reply from Are You Owed Money 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

I am still owed money from 9 maths ago

I am still owed money from 9 maths ago, was going to use them but cancelled within the allotted period after paying my £90, was told I would get my money back, am STILL waiting, do not use this form unless you are willing to lose your money Reviewed on: 22nd January 2024

Reply from Are You Owed Money Good afternoon Pierre. Our team have been in touch and resolved the matter. Previous to this correspondence we had logged no outstanding queries from you. Kind regards, the AYOM team. Response date: 31st January 2024

Got everything back

Came to these to sort out some unpaid debts and got a result in a few weeks. Thanks Mick for the quick work getting it all sorted. Reviewed on: 15th December 2023

Reply from Are You Owed Money Good morning Cornerstone. Thanks very much for your review. We're very pleased you had a positive experience. Please do get in touch if we can offer any further assistance. Kind regards, the AYOM team. Response date: 20th December 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: 25th 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: 25th 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: 12th May 2023

This company is a complete scam

AYOM collected a debt for me in November 2022. This should have been paid to me 13/2/23. Several people from AYOM have acknowledged this but no payment has been made. I have made numerous calls to AYOM all I have had from them is lies. I have sent them numerous emails to Customer Services, Finance, *** ***- MD, Customer Feedback. All have been ignored. I have followed their Complaints Procedure- ignored. They respond to negative reviews telling you to send information to their Customer Feedback email address. This is ignored and purely done to make as look as though they are going to do something. This is yet another lie. My recommendation is to find another way of collecting your debts as I believe AYOM is a rogue company. Whenever a negative review goes up on Trustpilot it is followed by a 5 star review. I wonder who could be adding those!!!! THIS COMPANY IS CURRENTLY 13TH OUT OF 13 IN TRUSTPILOT'S BEST DEBT COLLECTING COMPANY CATEGORY. THIS COMPANY IS CURRENTLY 14TH OUT OF 16 IN TRUSTPILOT'S BEST DEBT COLLECTION AGENCY CATEGORY. THAT SAYS IT ALL. Reviewed on: 30th March 2023

Reply from Are You Owed Money Hi Mick. As per our original response to your Trustpilot review: Our Customer Service Manager has made attempts to contact you in the past week to resolve the matter but has been unable to reach you. We are eager to assist so please either respond to our Customer Service Manager directly by email or by calling us on 0333 355 7114. We can see as you stated above, we have made contact previously with you about your case and are happy to assist when convenient. While our Trustpilot reviews have nothing to do with your experience, we are very proud that we receive regular 5* reviews as we have done since the company started. We have a lot of success with many customers as evidenced by these reviews. Any rhetoric suggesting that these reviews are anything other than customers is hearsay. Kind regards, the AYOM team. Response date: 31st March 2023

IS THIS A SCAM??

3 years ago I placed a debt with this company and despite the debtor paying monthly contributions have not received a penny. My emails are either fobbed off or ignored. I have contacted a solicitor and have been advised to speak to the police. Once this has been reported I will go through the solicitor - it may cost more but at least I know they are legal and acting in my best interest!! Reviewed on: 7th March 2023

Reply from Are You Owed Money Good afternoon, Maureen. AYOM are a professional debt recovery agency with a record of successfully recovering money on behalf of our clients. You can easily view information on the company via our website or all official channels. Your case is currently being worked by our team who have secured a regular payment plan by your debtor. As per your original agreement, there is a balance outstanding for our services which, once clear, will allow us to begin sending remaining collected funds to yourself. Our team regularly review payment plans and the debtor’s ability to pay with a view to increasing the amounts if feasible. If you wish to stay updated with the case, you can check your client portal which runs 24 hours a day and provides updates on what actions we have taken. You can also contact our customer services team on [email protected]. Kind regards, the AYOM team. Response date: 8th March 2023

Still waiting!

Despite repeated assurances that this is being resolved and paid, including on a reply to a previous review on here- still nothing. Unfortunately they sound amazing on the phone, but don't actually pay up. Please avoid. So sad. Reviewed on: 14th October 2022

Thieves

I approached AYOM in later 2019 to recover a debt and belongings from my ex fiancé Their representative attended my home and showed him documentation that supported my case. He reassured me that my case was solid and that AYOM would have no trouble recovering my money to the the point of the Debtors bankruptcy if necessary He left a contract and emailed me proposal. I explained that based on previous case of mine back in 1995 I was hesitant I was then pestered with calls and e-mails from the representative and agreed to pay £3800 in advance. AYOM wrote to the debtor and made numerous phone calls without success which resulted in the debtor reporting them and myself to the police The AYOM representative explained that this was a common course of action by debtors and would not push them off? The police investigation concluded with no evidence I requested AYOM take further steps for recovery but they explained they were too busy with home visits and had postponed all such activities We then entered lockdown and I have called AYOM numerous times and had no funds and action by themselves other than on one occasion a representative of their company called me and asked to to remove my Trustpilot review on the reassurance that she would investigate matters I never heard anything Trust Pilot have removed three previous reviews of AYOM by myself? Reviewed on: 13th September 2022

Reply from Are You Owed Money Hi Jeremy, Thank you for your review. We always try to provide a positive experience for clients and are disappointed you feel this has not been the case. We always recommend clients check your client portal for 24-hour live updates on what actions we have performed. Your case handler will contact you directly when they have any additional information to impart. We never know the true nature of a case until we begin working it. If you are unhappy with aspects of the service then we do have a complaints procedure which can be found here: https://www.areyouowedmoney.co.uk/contact-ayom/complaints-procedure.php We are continuing to work your case and will be working hard to secure full payment of your outstanding amount. Regards, the AYOM team. Response date: 3rd March 2023

DO NOT USE THIS COMPANY! TOTAL SCAM!!

Please, I urge you please not to use this company. They get you to hand over money straight away with no mention about their T's & C's AYOM just tell you that they can get you the debt with no problem at all. I paid £1100 and it's turned out into nothing more than a bet! Because that's all it is. I am going to take these guys to the small claims court to get my money back. You can't ring them up and if you do you just get told off for ringing up. Also takes them 14 working days to reply to emails. The customer portal is vaguest piece of information gathering ever..a complete waste of time! AYOM don't even tell you about the 90 days holding perod for your money. They say it's to prevent charge backs but it's not it's all about them getting more money off the intrest they earn of that money. You get suckered in because you are told straight away that they can get this debt and you think great its an easy win! But this couldn't be any further from the truth. Like I say please avoid at all costs Reviewed on: 7th September 2022

Reply from Are You Owed Money Good afternoon Wayne. Are You Owed Money Ltd always aims to achieve a positive result as quickly as possible with every client. This cannot be the case 100% of the time however our collection strategies are effective in most cases. Our terms and conditions which set out how we work, our charges and holding periods are available for anybody to access on our website before they sign up as well as being given a copy on signup. All contracts provide for a 7 day cooling off period, during which time you are entitled to question any terms you are concerned about. Our team are always happy to provide answers and help explain all areas of the terms and conditions. Our holding periods are designed to protect clients from charge backs in which the debtor claws money back from their bank or card provider. We have an article regarding why we have this holding period here: https://www.areyouowedmoney.co.uk/ayom-blog/post/chargebacks-holding-period.php For updates on your case, your client portal provides a snapshot of work carried out including contact made with the debtor. Our customer service team can always provide more detailed information if required and are happy to do so. If you wish to raise a complaint which we require to be put to us official in writing, our procedure is available here: https://www.areyouowedmoney.co.uk/contact-ayom/complaints-procedure.php Regards, the AYOM team. Response date: 9th September 2022

Alternative products

Debt Collection
from Link Financial 5.00 from 3 reviews
Debt Management
from StepChange 4.96 from 11166 reviews
Debt Management
from Creditfix 4.77 from 793 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