Are You Owed Money Limited Reviews 

I was owed money on the telephone conversation explained that a couple we met while away after a while they asked to borrow some money and overtime I was lending I know i should of said no more till you pay what you already owe then it was they needed to borrow for a funeral so I lent and now owe£2.700 so the man i spoke to said yes we can definitely get this back for you i had to send all WhatsApp messages but would cost £180so i agreed everything and 4 years later I still have nothing then the manager wanted proof so I re sent and he said it was nt good enough I said so why was I told I can get it back which he said I ve must of been mislead so £2.880 out of pocket so please do not use this company

IF I COULD GIVE MINUS STARS ITLL BE -10 STARS. ABSOLUTELY COMPANY RUBISH A YEAR LATER I STILL HAVEN'T RECEIVED A SINGLE PENNY FROM THE DEBTOR YET THEY'RE TRYING TO GET A PAYMENT FROM ME. THERS A CANCELATION FEE EVEN THOUGH THEY HAVEN'T RECOVERED ANYTHING. I WOULD ADVISE NO-ONE TO USE THEM. BIGGEST SACAM

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 and 10 letters 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 was initially impressed with AYOM. They contacted the debtor and arranged a payment plan. AYOM has had the money for over a year without paying me the balance and is not responding to any emails or complaints asking when the balance will be transferred to me.

Be very careful before using this company - very good initially to get you on board but won't actually pay once they have collected from the debtor.

On their website they advertise they will get your money back & only charge 15% of the money they do get back. When their collections people tell you after 10months of to and fro the only other option is to go through the court you think ok then. Imagine my surprise when I receive an invoice saying they will take the £360 they have managed to get back over 10months - the debt was £1559 - & charge you collection fees of over £1000. Guessing there will be two court cases incoming...

If they owe yoo money you should go small claims court, use the gov.uk website...
They are a bunch of crooks and you will not get paid...we did this and after 2 years of chasing they emailed an out of court settlement just before court hearing..
Don't just read this ... do it now...

I won my case through the courts but the person refused to pay. I contacted AYOM and ask them to collect the money owed to me. This took them two years to finally obtain the money from the debtor in April this year. After contacting AYOM several times they are refusing to send me the money. I am now considering taking AYOM to court to get my money from them. What a bunch of crooks they are. I did warn them that I would be placing a review on Trust Pilot, but recieved no answer from them.

please avoid, avoid and avoid. Complete scam outfit, and I am very surprised that they haven't been sued. They extract funds but never pay the victim.

What I was promised wasn't delivered. A handful of letters, one or two phone calls and a constant stream of pathetic sms's to the person who owes me money.
I was told AYOM were tough and ruthless but clearly they are simply masters at sending "please pay up" text messages.
Furthermore, they fell for the lies the convicted fraudster I am trying to get my back from told them.

After I involved AYOM my client paid my debt direct to me within 3 weeks (11 months late!)
I think AYOM probably did make a difference - according to their portal they contacted my client several times before my debt was paid... but I had to log into their portal to see that they had done this (after I got paid)!
When I was paid I messaged them immediately through the portal but got no acknowledgement. 2 months later they contacted me directly by email to say my client was insisting that they had paid... I confirmed that was true and that I had already told AYOM so! Apparently they had no record of my portal-based communication...
I don't feel I was kept well-informed of the progress of my case, nor do I think that their portal really works as a way of managing their cases or communication with stakeholders.
Noticeably they were very quick to invoice me for their commission once they realised my debt had been recovered, and they charged me VAT which is annoying as I am not VAT-registered. So effectively I was charged 18% commission. Bear that in mind.
But I did at least recover 82% of the money I was owed almost a year after the work I did, and AYOM did regularly contact my debtor to try to recover my money (even after I had been paid) - although I only have their portal records to prove that.

Same as the other reviews - they have collected funds from my customers and kept the money !!!! I have spent more time chasing the debt recovery company than i did the actual customer - please avoid !!

ref--AY-5159-9969-001/1CR
Instructed AYOM Ltd in July 2023 to collect outstanding monies of Solar Max Yorkshire Ltd.
AYOM Ltd settled up By December 2023.
No money received as of todays date September 2025.
Small claims forms filled out Jan 2025.
All correct forms filled in and mediation appt agreed but AYOM LTD did not answer.
Now due to go to court at Chesterfield as Defendant not replied to anything and no money even though they have had it in their bank since DEc 2023.!!!!

AVOID, AVOID, AVOID! I am still waiting for a payment over 7 months after it was paid. No communication despite frequent requests for a payment date. Will now look to seek another company to reclaim my monies owed.

Awful company. They were responsive while collecting the debt for me and have been silent since the funds have become payable to me. They have had the funds for nearly a year. Can't speak to anybody on the phone and nobody is answering emails. I will be commencing legal proceedings against them. AVOID AT ALL COSTS. SCAMMERS

I had 3 company denied to pay me for my cleaning job but jack was very helpful to help me the process and I was payed finally because of them .
for me m, jack and his team are are my back Bone or confidence in the future if in case I have problems with payment .
I strongly recommend if you have any issue with payment denial .
“Speech for speechlessness “ how I explain myself .
Thanks again

Don’t want to give this company any stars at all. What scammers they are,I have and still going through the small
Claims court. They collected In a debt and after 3yrs still not received a penny, they said it’s in there terms and conditions about there fees!!! Definitely not told anything about this when they took the debt on!! Wait and see what happens.

I have used them for my company to collect debit from a client of mine, they have mentioned they have 15% compensation, which is what i was aware of.
If i never chased i would never know they have already collected the debit and they have never informed me. i called them to try and get that money, they said its only customer service who you can talk about this with which you only can reach via Email...(they haven't responded to any of my email after two weeks of waiting)

Called again Sherene was the one on the phone who didn't like me asking about my money and hanged up on my face with no further notice she wasn't in the mood to talk i guess but that was so rude i never experienced such thing in my life and i was shocked with such a behaviour.

after a formal complaint they said they keep it for 28 days, which was already past, i tried to understand when will i be paid, the answer was the same after 28 days and then added might takes up to 120 days so they make sure the client doesn't refund it from the bank?? another thing i was never aware of, now i am in the process of disputing it hopefully it doesn't go to court eventually but its a possibility

Very bad experience, it wasted more of my time than saving it, i would've been better off chasing my client my self.

I first contacted AYOM over 5 years ago - over a small debt from 2 people. After months of 'trying' they stopped the search for 1 of these people, and were collecting payments from the other.
Whenever I get in contact my 'case manager' is always different - they never know anything about the case or have any updates.
I spent a lot of money to hire AYOM - money which was very hard for me to save up for - and so far they have barely claimed anything back for me.
I wonder how many other customers they do this to. Really disappointing.

Great communication from Jack and the result we hoped for. Paid in full.
Couldn't ask for anything else. Fabulous service.

I ask them 2 recover a debt, they have had my money for over a year and nothing, run away fast

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