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Ayom Debt Recovery: Debt collection reviews

Name: Debt collection
Rating: 1.87 (85 reviews)

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1.49

Based on 85 reviews, last reviewed 17th Feb 2026

No new 5 star reviews

in the past 90 days

No new 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

Do not be tricked into signing upto there portal if... Do not be tricked into signing upto there portal if you are ringing them to see if they can help recover your debt. They treat this as you signing a c... Read more Reviewed on: 17th February 2026

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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 (85)

Review of the Ayom Debt Recovery, Debt collection:

Complete scam!

This company is a complete scam. They’ll tell you all the bad reviews are due to the nature of their business, people that owe money etc..this is not true! I employed this company a year ago, ref AY- 5159-3070 they never return my calls or emails, they haven’t got my money back and I’m now reporting to the ombudsman and police because I believe they’ve fraudulently obtained my money through deception! Reviewed on: 10th December 2020

Reply from Ayom Debt Recovery We strongly refute all instances of this review which question our legitimacy and integrity. Are You Owed Money Ltd are a fully licensed and regulated company. We comply with all UK laws and legislation. We will always seek to provide the best service possible for our clients but even in instances where recovery has not yet materialised, we will endeavour to keep working in line with our core values. Response date: 24th May 2021

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

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

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

Be Careful

Be Careful , I Paid ¬ 160 Pound to react on my Behalf and Contact Debtor after chasing the debtor , the Debtor Paid then (Are You Owed Money) they confirmed that they received the money on may 2024 , until this moment I couldn't receive the money from ( Are You Owed Money ) until now , keep saying that I need to read the contract which is 8 pages , 8 page contract for an amount less than 5000 pound , why they did not send this contract from beginning , its been sent before the Debtor decided to pay? long waiting period , bad communication and delay in respond , all responded not stating when the payment will be done even the approximately period . continue saying that the Bank did not do the clearance of the amount , its been 7 month and we still waiting , be aware of these things Reviewed on: 7th November 2024

The worst company i have ever dealt with - Do not use

In September 2023 my company employed them to recover a debt from one of my clients who refused to pay his final bill. They took £2,500 as a fee after coming to my house with the big sell. They successfully collected the debt on November 26th 2023. Well almost 12 months later and numerous phone calls and email the money has still not been returned to me!! They hide behind the collection department and never answer the phone or reply to emails. On Monday 11th November 2024 I will be driving up to there offices in Preston to get my money!! They are the worst c company I have ever come across has have c used me and my family emended mental stress and illness. Reviewed on: 6th November 2024

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 Ayom Debt Recovery 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 Ayom Debt Recovery 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 Ayom Debt Recovery 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 Ayom Debt Recovery 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 Ayom Debt Recovery 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 Ayom Debt Recovery 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

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