Write a review

Are You Owed Money : Debt collection reviews

Name: Debt collection
Rating: 1.97 (76 reviews)

View other Are You Owed Money products

1.60

Based on 76 reviews, last reviewed 6th May 2025

No new 5 star reviews

in the past 90 days

17% increase in 1 star reviews

in the past 90 days

22%

3 star

2 star

75%

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 USE THIS COMPANY IF I COULD GIVE MINUS STARS... 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 COMPUT... Read more Reviewed on: 6th May 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 (76)

Review of the Are You Owed Money, Debt collection:

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 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

I found AYOM on the internet and having read their r...

I found AYOM on the internet and having read their reviews engaged them to recover £25k from a business loan to my ex fiancée and numerous personal belongings. A representative attended my house and impressed me with his commitments that AYOM would recover my Money. His promises came to nothing and having paid them. They attempted ( too my knowledge) one home visit We then entered lockdown and I was informed that all home visits had stopped When I attempted contact during lockdown It was explained to me that they could note process my case due to lockdown Ultimately I t was explained to me that my case had been passed to their legal team Since this point I have received nothing other than when I posted another Trust pilot and a lady called me and promised to review my case Again I heard nothing , other than whenever i post a Trustpilot review and AYOM seen to be bale to take my review down I have pasted the AYOM representatives initial response to my enquiry below To say I am disappointed is an understatement ... Update 25th February 2024 - AYOM failed to investigate any further and are now working hard to distancet themselves and state that my case has been closed . £3936 out of pocket Avoid at all costs I found Hi Jeremy, Reviewed on: 25th February 2024

Reply from Are You Owed Money Hi Jeremy. Good to hear from you again after your last review in September. This being your 5th review now in which you have copy and pasted the same text, below you can yet again find our response to your comments as we have responded 4 times previously. 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: 28th February 2024

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

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

Alternative products

Debt Collection
from CCI Credit Management 5.00 from 1 reviews
Debt Collection
from Link Financial 5.00 from 3 reviews
Debt Solutions
from Debt Movement 4.38 from 18 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