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Ayom Debt Recovery: Debt collection reviews

Name: Debt collection
Rating: 1.84 (87 reviews)

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1.84

Based on 87 reviews, last reviewed 17th Apr 2026

No new 5 star reviews

in the past 90 days

33% decrease 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

This company will scam you - SIMPLE This company will scam you - SIMPLE Reviewed on: 17th April 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.

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Ayom Debt Recovery Debt collection reviews (87)

Fantastic

Helpful knowledgeable no pressure literally fantastic Reviewed on: 31st August 2021

Reply from Ayom Debt Recovery Good morning Chris. Thanks for taking some time to review your experience. We appreciate the feedback and are pleased you had such a positive experience with our case handler. Please get in touch if you have any questions about the case. Kind regards, the AYOM team. Response date: 3rd September 2021

Good customer service

Spoke to a lovely lady and was very satisfied with service and the outcome. Reviewed on: 27th August 2021

Reply from Ayom Debt Recovery Good morning Karen. Thank you very much for your review. We appreciate the feedback and are very pleased to see you have had an easy and positive experience with our representative. Kind regards, the Are You Owed Money team. Response date: 3rd September 2021

Very helpful

Very quick reply to my query via email and my problem was sorted within one email. Debbie was very helpful and non judgemental. Reviewed on: 27th August 2021

Reply from Ayom Debt Recovery Good morning Emma. Thank you for your review. We appreciate the feedback and are pleased to see you have had a positive experience with us. Kind regards, the Are You Owed Money team. Response date: 27th August 2021

Awful

Got less back from debtors than I paid for the service from AYOM. Communication terrible, lies after lies Reviewed on: 19th August 2021

Scam

This company is a scam. As soon as we paid them for their services, we never heard from them again. They stopped replying to email and do not take our calls. I am noticing that many people have experienced the same. What a scam. These people need to be reported Reviewed on: 15th July 2021

Reply from Ayom Debt Recovery Are You Owed Money limited is a professional debt recovery company regulated by the Financial Conduct Authority, registration number 664900. We provide to you, as we do for all of our customers 24 hour a day, 7 days a week, real-time access to case information via your client portal log-in, which also provides additional contact information for the company. This is explained to you with your welcome information when you became a customer and within our terms and conditions of business. We do not accept that we have not taken your calls or that we have stopped replying to emails. You have spoken to our customer services team who have sent copies to you of previous replies to the emails you claim not to have received. To claim that as soon as our services were engaged we suddenly stopped responding to you is factually incorrect, as are your defamatory remarks pertaining to the integrity of our business. All of our contact and regulatory information can be found on our website www.areyouowedmoney.co.uk. Response date: 20th July 2021

Reply to my review not entirely true

In my review of this company my charge about them not being upfront with the true cost of their fees still stands. I was under the impression that the fee I paid on first contact was the total charge. I find out later that they will also charge you in excess of 30% of the total amount recovered in commission. They should be sailing in a galleon flying the Jolly Roger☠️ Reviewed on: 28th June 2021

I was not told of the true cost of this 'service' during my initial enquiry.

When I first enquired I was told that the cost to recover would be £120 inc. VAT. The amount I wanted to recover was only £280 but I was told that the fee would be added to the original debt. In the event, the debtors mother contacted me, ( I appreciate that was partially due to AYOM contact), and said she would pay the debt and my fee. This she did, and AYOM then made a further charge on the account of £150. I had to bear this further charge myself, making a cost of £270 to recover £280. If I could wind the clock back I would definitely not engage AYOM. Reviewed on: 26th June 2021

Reply from Ayom Debt Recovery Thank you for your review. We are glad that the debt was paid and that, as advised, the agreement fee charged for our time and effort in recovery of the case was also repaid. You should also be aware from the terms and conditions of the contract that there is a collection charge on payment of the debt, also recoverable by the debtor, which we advised you at the time of the total sum when the offer of payment was made. You have not been charged £270 to recover £280. You were charged £100 (excluding VAT), to recover £300, which was repaid to you by the debtor meaning a cost of £Nil. We are entitled under the contract to a further sum from monies received and advised you of the total sum on 3rd June 2021. It then appears from the cease notes that you accepted a lower amount than the total advised. We are sorry that you feel aggrieved, had you not accepted the lower amount and instead taken payment of the full amount as advised then the cost to you would have been zero. Regards, the Are You Owed Money team. Response date: 28th June 2021

They'll owe you money is a better name

Do not give your money to these parasites, genuinely considering legal action. Reviewed on: 10th April 2021

Radio Silence and utterly inactive!

I instructed this company last year for a long outstanding debt. OK, so Covid happened in the meantime, but they have been 100% ineffective, unresponsive, and 7 months later - no sign of the debts having been recovered and no sign of any activity. Their so-called client portal doesn't work, probably to hide the fact that they are ineffective. Not worth even picking up the phone to these people! Reviewed on: 3rd March 2021

Reply from Ayom Debt Recovery Hi. Based on your username we are unable to locate your case on our customer database. Could you please email [email protected] with your case reference, contact telephone and email for us to investigate. Regards, the AYOM team. Response date: 20th May 2021

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

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Ayom Debt Recovery: Debt collection reviews

No new 5 star reviews

33% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Ayom Debt Recovery: Debt collection now

Ayom Debt Recovery Debt collection reviews (87)

Fantastic

Good customer service

Very helpful

Awful

Scam

Reply to my review not entirely true

I was not told of the true cost of this 'service' during my initial enquiry.

They'll owe you money is a better name

Radio Silence and utterly inactive!

Complete scam!

Review Ayom Debt Recovery: Debt collection now

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