Payajjb Reviews 

Excellent.. easy to set up

VERY PERSISTENT WITH GOOD INTENT ON HELPING.
ABSOLUTELY 💯, HIGHLY RECOMMENDED.
YOU WON'T BE DISAPPOINTED

Filled out a form of my ingoing and outgoings which was easy enough

It was quick, precise and easy to navigate.

This is a scam! Received a letter saying I owed BT money and they would be taking me to court. Just off the phone from BT who have confirmed that 1: I don't them any money and 2: they don't work with this company and suspect it's a scam. If you receive a letter from them escalate it with the company they're claiming to be from, DO NOT pay them any money!!

Terrible!

No way on speaking to anyone

The whole set up with AJJB Law and British Telecom is a con!
Ripping off innocent people!

I had a email today say letter before claim from a debt I couldn't remember they was actually polite and put my account on hold for 35 days . Due to my mental health! Doing further investigations I was actually in the wrong and offered a £1 token donation that they accepted I jyst wanted to reassure people that even if you think they are wrong always check credit score experia on your bank you find if the debt belongs to you . Also make sure the payment is accepted before you do your standing order get the reference yo the account there sort code the account number and set it for the date you get paid , the AJJB LAW Ltd was very helpful by payments even if you offer £1 token donation never allow non priority debts take over priority debts . Hope this helps everyone as it helped me

they have the great services,very understanding, friendly, and offers the customer the opportunity to pay according to how much they can afford, not like other collection companies where they scare customers and put a gun to their head, threatening to take their goods

Fast and stress free service

ease of setting up a plan

Very helpful and understanding

Easy and understandable. Thank you!

When I initially received correspondce from AAJB Law I went to their website and filled in the contact form to inform them that I am currently in an IVA. I received the generic automated response that they had received my correspondence, however that was all.

I was expecting a form of reply from them indicating that they are aware I am in an IVA and hopefully a dialogue could have been opened, however I received nothing from them to this effect.

I was continuing to receive threatening correspondence from them even though I had informed them I was in an IVA, so I reached out to them again on 17th November 2025 to inform them of the harrasment I have been receiving and the fact that they had not acknowledged the information I had provided of my financial situation.

I also informed them of my new address, I received this response, so I thought that would be the end of the matter:

Dear Mr Jeremy Toon,

Thank you for reaching out to us. I apologize for any distress caused by our recent communications. I understand that you have informed us of your IVA with PayPlan and have provided the necessary documentation. Please rest assured that your account has been requested for closure, and all communication regarding this account should cease shortly.

To ensure we have the most up-to-date information, I have updated your address to (new address). If you need to make any further updates or wish to view your account details, please visit our CRS Customer Portal at... using your CRS Account Reference NPROQUID4563.

For any additional assistance, feel free to call us at 01422 324510 or contact us via WhatsApp on 07418609858.

Best regards,
Credit Resource Solutions (CRS)

(I am assuming CRS is in association with AAJB Law, as it was the AAJB Law website I filled the contact form on)

Unfortunately it isn't the end of the matter, as today (29th November 2025) I received an email with a Letter Before Claim attached to it, and you guessed it with my old address on it even though I had informed them of my change of address 12 days prior.

So AJJB LAW as I have informed you of my change of address you have breached FCA Rules:

[Under Financial Conduct Authority (FCA) rules, collection activity must be paused while a dispute or an address error is under investigation].

I also wish to query why the Reference Number on the Letter Before Claim is now this: NEAGQUID3747 and not the original Reference, as that seems rather strange as well.

I find the way you have dealt with my case (and I am sure I am not alone) in a truly unsatisfactory and unprofessional manner. I have endeavoured to correspond with you and inform you of my current status, however you have catastrophically failed to liaise with me in a fitting manner and have caused me further stress due to your ridiculous treatment of me.

Regards

Jeremy Toon

Absolute clowns. Sent numerous emails and texts threatening legal action for debt that isn't owed or even recognised. I am knowledgeable about debt law and told them to stop threatening court and CCJ if they had no intention of actually doing it. Also gave them my correct address. Despite further reminders from me they eventually sent a Letter before Claim to wrong address and lied about having done so. When challenged again they admitted they didn't have the necessary (and legally mandatory) backup for the purported debt and abruptly cancelled their apparent legal action. They are breaking the law themselves and seem to be making false threats and attempting to get easy default judgements. Report to FCA and SRA. Their ref for my case: NPRONV000635

edit: Not sure why they're asking for further details to "look into this" as not only is the case reference in my review, but I already raised a complaint about this on November 19th. So far I've only had a placeholder reply saying I'll have a proper response within an "8-week timeframe"

I have a made an agreement online to pay off the debts direct debit for the 7th of each month starting December and now have letters for court proceedings.

Easy online system to use
Only a few questions about my income and outgoings, not wanting to know the ins and outs of a duck's a**ehole. Very good.

Scam artists
If use are not a scam then listen close! First central did not inform me of any charges that was suppose to be payed when I left them in full. Either you do your job and investigate this or go drink urine.