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Name: WAYNE J

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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 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