Why choose Are You Owed Money (AYOM) as your debt collection partner?

Why choose Are You Owed Money

What makes AYOM the perfect choice for you?

Proven Strategies

A combination of an experienced, talented team backed up by solid processes will ensure your debt collection needs are met. AYOM boasts strong success rates and strategies to recover debts of any size and any type.

Your case will be handled in a manner best suited to provide an efficient and effective resolution. We have multiple methods of searching, checking and contacting debtors. We also have many strategies depending on the case at hand to ensure we treat the debt appropriately.

Our collection methods have won us both the debt collection company of the year 2017 by Wealth & Finance International and leaders in commercial debt 2018 by Corporate Livewire. These accolades have been won by demonstrating good working practice and maintaining excellence in every area.


Alongside our collections team, we supplement your experience with our carefully crafted customer service process. As well as having access to case handlers and a dedicated customer service representative, you have access to your case 24 hours a day.

We have developed an easy to use client portal, giving you real time updates on how we are chasing your debt and when. This lets you see just how we are going about working for you. You can access the portal at any time to check the status of cases, upload new evidence or add additional debts.

Alongside your digital companion, you have a dedicated customer service rep able to provide you with updates and answer any queries about the service.


As part of our mission, AYOM wants to be a leading partner for debt recovery. With this in mind; we have a number of allegiances with key bodies to ensure we fulfil this. We are full members of a voluntary best practice body: the CSA (Credit Services Association). Memberships like this allow us to go beyond minimum standards and make our mark on the industry.

We adhere to all CSA codes of practice to be the very best representative you can choose in debt collection. We are accredited with the Investors In People standard, benchmarking our people strategies against fellow leading companies across numerous industries. This assists in gearing the internal environment at AYOM towards getting the very best results for you through motivating, challenging and developing our teams.

Other key partnerships including Experian and Creditsafe provide us the opportunity to enhance our service with industry leading tracing and credit checking services.

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