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Ayom Debt Recovery: Debt collection reviews

Name: Debt collection
Rating: 1.88 (84 reviews)

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1.49

Based on 84 reviews, last reviewed 5th 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 USE THIS COMPANY Do not use this company, I was told by their sales person the procedure of collecting money which afterwards I found out was total lies. They collecte... Read more Reviewed on: 5th 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 (84)

Review of the Ayom Debt Recovery, Debt collection:

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 Ayom Debt Recovery 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

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

Scam Alert!!!

This is a scam company. Only reports of scam here are genuine. All other reviews are entered by areyouowedmoney themselves. Please note that you can find a genuine debt recovery service using networks like FSB - federation of small businesses - for free. Never sign up to a service that you find on google. 99% are crooks who are waiting for a vulnerable pray. They take advantage of the fact that you have little access to legal help. Make sure your insurance comes with a good legal expenses cover. I am now applying to court after chasing them for my money for almost a year with no success. Imagine how much time I would have saved, had I had joined FSB before. Thanks to my neighbour, I heard about FSB now and I can ask questions to small businesses like mine about similar problems that they might have experienced already. Reviewed on: 23rd November 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 continue to keep working in line with our core values. Based on the username alone we are unable to locate you as an AYOM client. Please email [email protected] with a case reference number, email and phone number for us to investigate these allegations. Response date: 24th May 2021

Con Artists

Steer clear. They do nothing. Talk a great talk. Complete waste of money. They should be in jail Reviewed on: 16th November 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 continue to keep working in line with our core values. Based on your username alone we are unable to identify you as an AYOM customer. Please could you email [email protected] with your reference number, contact email and phone number for us to investigate your case and claims. Response date: 24th May 2021

Complete waste of time

Don’t waste your money. Complete waste of time and money. They talk a good game and don’t do anything other than send a few emails. Customer service is terrible, they don’t want to know as soon as they have your money. Reviewed on: 22nd October 2020

Paid an annual fee, passed a few debts to them, not received a penny, steer clear

paid them a four figure amount, promised reviews, status reports, progress, face to face with debtors...they sent texts and did nothing any amateur could do. Never ever gave progress report probably because none to report. Their credit report shows high risk, not at all surprising. Reviewed on: 21st October 2020

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