If you have outstanding debts from overdue invoices, rent arrears, bounced cheques or any other trading debts, we can help.

Are You Owed Money Ltd; the UK’s premier debt recovery agency.

AYOM offers a number of debt recovery services to provide you with the best debt recovery strategy for your case. These include recovery, tracing, mediation, credit checking, legal support and more

Proven debt recovery strategy

Whether it is personal debts, consumer debts or commercial debts; we have expert debt collectors able to generate a strategy that works for you.

AYOM’s debt collectors strive to provide all round excellent service. Each client has a dedicated customer service contact as well as a profile on our client portal. Your portal displays the details of your case 24 hours a day including when we have contacted your debtor.

Talk to us today and find out how our award-winning debt recovery agency can help you.

Experienced debt collectors

Our debt collectors have the knowledge and experience to recover your money. They aim to do so swiftly and efficiently; drawing on our successful strategies. Our debt collectors recover debts throughout the UK. We have agents able to reach debtors across the country and tracing services to locate debtors wherever they may be.

Be safe in the knowledge your case will be handled by an expert debt collecters. We aim to provide exceptional pre legal debt recovery services but also provide legal support if needed. Our on-site solicitors can help with preparation of documents and support you if a matter is escalated to court.

Why use debt collectors?

  •   Relieve stress of chasing debtors
  •   Save time; let us handle the collections process
  •   Avoid common pitfalls and delay tactics
  •   Force your debtors to confront the matter
  •   Access tested strategies to speed up repayment
  •   Utilise legal support if you require further action

Why Use AYOM ?

  •   Award-winning debt collection agency
  •   Real-time, on-line account monitoring
  •   National coverage across the UK
  •   Trace missing debtors
  •   Localised debt recovery officers to visit debtors
  •   Obtain & enforce CCJs

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Testimonials & Success Stories

AYOM Speeds up debt recovery process

AYOM legal team speeds up £50,000 debt recovery process
AYOM speeds up £50,000 debt recovery process - Paris

AYOM recently managed to secure over £50,000 for a European company whose debtor was based here in the UK. AYOM works on a number of cases each day for debtors in and outside of the UK. Likewise our customers come to us from around the world. In this case the supplier was an EU company who had supplied goods and services to the debtor. The debtor refused to pay their invoices and tried to avoid payment.

Advice from our legal team on the debt recovery process is essential. They have the knowledge to refute disputes like this. They also know what outcomes are likely for both debtor and client. Their knowledge informs our debt collectors and assists our strategies.

Read the full blog article

Very professional and very easy to deal with.

I contacted are you owed money limited after trying to get the money I was owed for a long time, within 2 months I had my money it made a massive difference as a small business it literally made the difference between staying afloat or going under. They always seemed very professional and very easy to deal with.


Stress Free!

Are you owed money Limited have really taken the stress out of chasing unpaid invoices. Very reasonably priced and get the job done quickly and efficiently. All accounts can be viewed via a portable, therefore you are kept in the loop every step of the way.


Recent News Articles

Bailiffs under scrutiny following reports highlighting poor practices

Rule breaking bailiffs ‘damaging’ to the industry

Bailiffs have come under fire from debt charity stepchange after reports have suggested a number of bailiffs are using intimidation tactics and not dealing with debtors correctly. AYOM looks into what it takes to effectively recover a debt without using these out of date methods.

Wednesday, 28th November 2018

Late payments and lack of assistance are sending self employed business owners into debt

Late payments putting self employed in £10,000 of debt

A combination of late payments from debtors and lack of knowledge of business skills and support available is sending self employed and small business owners into an average of £10,000 of debt according to a study.

Thursday, 8th November 2018

Recent Blog Entries

Agreeing with Citizen's Advice stance on council tax debt collection standards

In support of Citizen’s advice

AYOM want to show our support for independent regulations and revisiting the way local authorities are fulfilling debt collection practices relating to taxes. With many seemingly taking an aggressive enforcement stance from the beginning, we urge councils to seek pre-legal mediation as best practice.

Tuesday, 11th December 2018

HMRC debt collection strategy – people urged “secure new debts to pay debt”

HMRC advising to ‘pay debt with debt’?

HMRC have caused a stir by requesting debtors pay for their tax by securing personal or commercial loans. Due to not being a preferential creditor now, HMRC are seemingly attempting to find ways to become one unofficially making requests such as these. Many are sceptical; commenting that HMRC’s debts are no more important than a local tradespersons.

Tuesday, 20th November 2018

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