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Antoine Raffoul

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Review of the Are You Owed Money, Debt Collection:

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A Scam. That's Not What was Promised

Case No: AY-5160-0624 In November 2022 AYOM Contacted me, through their facilitator Mr * ******, to discuss my case for a debt collection. We agreed a date to call to discuss. In the meantime, AYOM asked me to send all the necessary documents for them to review prior to the next phone call. One of the documents included a a confirmation that my debtor had made me a verbal unacceptable offer of £5,000 to settle the case. During the appointed 10-minute telephone call with Mr *******, I was told that AYOM will have an 85% chance of recovering the debt including the reduced AYOM fee of £1500 (Incl VAT) which AYOM would charge me. Mr ***** assured me that my case was solid. I sent AYOM all relevant documents prior to signing the contract to ensure that all is kosher, and asked AYOM to let me know if there is anything else they require. In late December the contract was signed and the agreed fee of £1500 was paid. Days and weeks passed with little progress. In mid February 2023, AYOM emailed me requesting written proof of the client's offer to settle. I reminded them of the letter (copied to AYOM in November) which I had sent to the client confirming my rejection of his verbal offer of £5,000. AYOM did not respond to that. AYOM claimed I did not inform Mr ******* (of the verbal offer) during our 10-minute phone call. I disputed that and demanded a transcript of that phone call. On 15 March, AYOM emailed me only two lines of that 10 Minute phone call which did not proof their allegation. Back and forth between AYOM and myself to no avail and without AYOM responding to my request to prove their allegations. I requested, as within my legal rights, copies of whatever correspondence or telephone contacts AYOM had with my Debtor/Client to show what efforts has AYOM made towards resolving my case. Nothing. I wrote AYOM demanding the refund of the £1500 fee paid. But they refused. They closed my case. All attempts to contact AYOM by email remained unanswered or repeating the same allegation without proof. All telephone attempts to contact Customer Services, the Legal section or Mr *******, were diverted to "Collection" who advised me that they will pass my query by email to the relevant section and urged me to wait. The last automated reply from AYOM was dated 9.6.2023 which said: "The team will respond to all client enquiries / updates as soon as possible. We are experiencing high volumes of enquiries, so please allow up-to 2 working weeks for a response. If your enquiry is urgent, please call 0333 355 7114 to speak to one of the Customer Services Team". Nothing since.. I am now going legal unless they pay up in 14 days. Reviewed on: 24th July 2023

Antoine Raffoul

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Reply from Are You Owed Money Good afternoon Antoine. All cases we accept are based on the information provided by our clients. The details given to us were what made us believe we could have success working this case. It transpired what information was given to us at the outset was not sufficient to enable us to continue the case on the initial premise. We asked for additional evidence which would support any claim you wish to make but you were unable to provide this. We dispute your claim that the case was a “total failure”. We worked the case fully with what information we were given and updated you when we required additional information. Regards, the AYOM team. Response date: 25th July 2023

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