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Are You Owed Money : Debt collection reviews

Name: Debt collection
Rating: 1.99 (75 reviews)

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1.60

Based on 75 reviews, last reviewed 25th Apr 2025

No new 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

23%

3 star

2 star

74%

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

Haven’t paid debt recovered Collected debt but haven’t paid out, 9 months since saying debt had been paid by the debtor. Didn’t tell us it had been paid, we contacted them and th... Read more Reviewed on: 25th April 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 (75)

Review of the Are You Owed Money, Debt collection:

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

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

Are you owed money? - you will be, by AYOM

Following a 90 days period after collection AYOM customer service are unable to tell me when I will get paid and the finance department do not reply. It's been 120 days now since they collected money and I have not seen a penny of it with no communication when I will other than "the finance department have not replied to us" This is un unethical company that hold on to money collected as long as they possibly can (and I'm giving the benefit of the doubt here that I will eventually get my money back - avoid. Reviewed on: 24th August 2022

Reply from Are You Owed Money Good morning Tony. We can confirm that the customer service team has been in touch and subsequently, all payments due on this account have been made. If you have any further queries about the case or our processes please email [email protected] or call us on 0333 355 7114. Kind regards, the Are You Owed Money team. Response date: 31st August 2022

Total Scam?

Unfortunately in the same boat as many others and not a penny received despite assurances that our customer is paying up and that a cheque is on its way. Please avoid. Reviewed on: 26th July 2022

Reply from Are You Owed Money Good afternoon. Our team have been in touch to resolve this matter. We attempted to call yesterday but unfortunately were unable to contact. Please could you either email or call your case handler or alternatively get in touch with our customer service team on [email protected] to arrange details to resolve your payment. Kind regards, the AYOM team. Response date: 2nd August 2022

Avoid this company is a scam.

I get in touch with this company last year in July due one of my clients didn't pay my last invoice, at the moment that I called they immediately ask me to pay instantly the fee that they have, and I did. After 1 month the creditor paid the invoice and received a confirmation for the payment, at this point, you think wow all done, fantastic, so fast, and professional. Wrong, at the same moment, start my Odissea with this company, First, they told me that I have to wait up to 90days to get my money, and I did, after 3 months they told me that my check was in progress of payment ( November 2021 ) So I waited, in December I called and they said that the payment was due by the end of the month. In January I called again and nobody was able to give me an explanation why I haven't received my check. In February same, called and get a new excuse, sorry we missed the payment date, you will receive the check on the next payment date, Now is the 14 of March and after another call the new excuse, sorry we got the postcode wrong, we will send the correct information to the financial team, Basically, 6 months 20 emails 30 calls And nothing has changed, So if you need someone to chase up your creditors for any reason, don't get in touch with this company, is a scam, the taking your payment immediately and they let you wait for months and months for giving you want is yours. Perhaps I regret the moment that I get in touch with AYOM. Reviewed on: 14th March 2022

Reply from Are You Owed Money Thank you for your feedback. We are glad that we have been able to help to recover all of your outstanding debt and that you have now received payment. Kind regards, The Are You Owed Money Team. Response date: 25th March 2022

Avoid!!

Collected a debt from our client but have failed to pay across to us despite being well over 90 days . No response from finance team with date we will actually receive the payment we are entitled too . Reviewed on: 16th December 2021

Inept and ineffective

Signed contract in June 2020, not a penny received yet they have held back monies paid by debtor beyond terms and conditions. They have not resoned to information request for several weeks. Despite inevitable 38.5% charge by AYOM I am engaging another company. Reviewed on: 7th December 2021

Reply from Are You Owed Money We were unable to locate this reviewer. If you are an AYOM client please email [email protected] with your ID, contact phone and email for us to investigate this review. Our terms and conditions are freely available on our website for the public to view at any time. Response date: 25th March 2022

Don't waste any more of your money

If this company really exists do not engage with them. Full of promises and no action. Say they've written and phoned my debtor for months now but wont prove it. Complete waste of time and money. Reviewed on: 3rd October 2021

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