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Olumide S

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Review of the Ayom Debt Recovery, Debt collection:

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Re AY-320743 Unreturned Funds and Poor Accountability

Re:AY-320743 I have delayed writing this in the hope of a resolution. Unfortunately, despite repeated attempts to engage AYOM, the matter remains unresolved. 2019: AYOM’s frontline officer demanded a £1,200 “collection charge” upfront and required me to sign an invoice which, in tiny print, stated that my signature meant I had accepted AYOM’s terms and conditions. No hard or digital copy of those terms was provided at the time. 2021–2022: AYOM recovered £500 and remitted only £275 to me—without explanation—contrary to assurances that their fees would be recovered from the debtor and that I would be paid in line with the County Court Judgment. AYOM subsequently recovered a further £3,300. Later, when the debtor sought to pay £10,000 directly to me, I acted in good faith and asked him to route it via AYOM, given they had already commenced recoveries. Outstanding balance: As at today, AYOM still owes me £12,839.21 plus the £1,200.00 refundable deposit. In June 2024, AYOM’s Director of Operations stated that a payment of £7,136.00 had been “attempted”, but no evidence was produced when requested. Communication: I have sent over 70 emails including countless letters and phone calls to AYOM without a meaningful response. My most recent email, on 06 October 2025, again asked AYOM to deduct their charges and pay the balance. Instead, AYOM unilaterally declared the case closed. This prolonged situation has caused significant distress and has adversely affected my mental health. In my view, AYOM’s handling of this case falls short of the standards of transparency, lawful conduct and customer care that customers should reasonably expect. What I am seeking: A full, itemised statement of all sums recovered, fees applied, and monies held; and Immediate remittance of the net balance due to me (after any contractually agreed charges). AYOM should urgently review its governance, documentation practices, and customer service. A transparent reconciliation and prompt payment would be the right first step. I will update this review should AYOM decide to resolve this issue. Reviewed on: 11th October 2025

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