Struggling With Debt?

Don’t face unaffordable debt alone. Speak to our team of experts who can help you take control of your debts.

  • One affordable monthly payment.

  • We negotiate with creditors on your behalf.

  • Get confidential advice from expert advisers.

Cally Owen
Fantastic service. Helpful non judgmental team always there if you have any problems. 5* for service and customer relations 😁
Great help with everything. Very understanding and easy to deal with. A great help.
Deborah Foote
Excellent service and support.
Patricia Kelly
Excellent Service with Refresh I have been with Refresh for a few years and they have always provided an excellent service both in advice and contacting me, also updating me if anything was changing.
Jubayer Ahmed Tuhin
I spoke a very very helpful lady Roisin. She is very polite and helpful. She kept things simple and helped ease my worries.
Miguel Gordon
Professional and true These lot keep you calm whilst they work to help you They find solutions good and bad and give you all the information so you can have complete control over whats done These lot are helping me and they can help anyone who needs it and wants it
Brandon Wheeler
I spoke to a lady called emma she was very very helpfull and polite and help me through my debt management plan and would defently recomend.
Miss Elizabeth Garrett
They are always polite and helpful. They kept things simple and helped ease my worries.
Jurgita Kondrotaite
Very helpful and amazing class company .highly recommend.
kerrie Doble
I spoke to a very very very nice lady called Emma she very polite, very helpful and very kind. I couldn't ask for a better advice then Emma THANK YOU VERY VERY MUCH EMMA XX

3 Simple Steps

Our team of experienced advisers take a caring and non-judgemental approach to helping you on your journey to debt recovery.
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    We Listen

    Our friendly team gather the facts to find a solution that’s right for you.

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    We Advise

    We provide straightforward expert debt advice you can trust.

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    You Decide

    Make an informed decision based on all the facts with a solution that’s right for you.

About Us

How We Can Help!
  • Refresh Debt Advice has over 15 years of experience.  Our aim is to help you regain control of your finances by providing advice, support, and a debt solution that allows you to repay your debts at a rate you can afford.
  • We appreciate no two clients are the same, that’s why we’re committed to offering tailored advice to support each individual’s particular set of circumstances.
  • Our team is experienced, trustworthy, and most importantly, approachable.
  • So far, we have helped our clients repay over £21 million of debts. Something we are very proud of.

Please Note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. The total amount payable may be higher.


What happens if you cannot pay your debts?

Currently, during Covid times most creditors will be understanding. If you are struggling reach out to your creditor as soon as possible and ask for support. They may be able to offer a temporary solution, to give you a bit of time to get back on your feet. If all options have been exhausted with your creditors. Then it is time to seek advice from a debt adviser. Do this as soon as possible as any delay can have a serious impact on your financial future.

What options are available?

If you owe people money (your ‘creditors’) you can make arrangements to pay your debts. The options available to you depend on a number of factors, some of which include;

  • The amount of money and assets you have
  • Your level of debt and the different types of debt
  • How much you earn each month
  • Your monthly disposible income

A debt adviser will be able to discuss the options available to you based on the above and some additional information.

If I speak to a debt adviser what information do I need?

Your debt adviser will ask for the names of your creditors and the amount of debt with each. Your adviser will then go through your income and expenditures to see what you are left with each month. If you have bank statements to hand this can often speed up the process as well as making sure the figures you give your adviser are accurate.

Debt Advice Experts

Our team of specialist debt advisers are here to offer confidential help & advice to anyone struggling with multiple debts.

Debts We Can Help With

There are many different types of debt you can have, some are more important than others and it’s important to know which of your debts need priority payment.

News, Updates & Events

Insolvency Stats September

Personal Insolvencies Rise By 9.2%

Latest figures from the Insolvency Service have indicated that personal insolvencies increased by 9.2% to 9,954 in September 2021 compared to August’s figure of 9,118.

Read more

Debt Solutions

There are a number of debt solutions available. Further information on each can be found in the links below.  Please be aware each solution has advantages and disadvantages. 

We Negotiate With Your Creditors

We negotiate with some of the biggest creditors in the UK to lower your monthly payments to an affordable amount.