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.

Ellen Kennedy
Refresh 100% recommend Been with Refresh for few years now, it has helped me greatly reduce my debts and il be debt free in few more years, Alison has been amazing and has taken a lot of stress off me I 100% recommend this company if ur struggling with debt, literally so easy and no hassle just give them a ring!!
Patricia Cooper
Spoke to Emma today who talked me… Spoke to Emma today who talked me through the process and what options were available to me , she was friendly , helpful and put me at ease I felt as though a weight had been lifted , if ever you find yourself in a rut I highly recommend you call these people .
Keith was very helpful explained… Keith was very helpful explained everything to me, i would recommend anyone who is stuck in rut to speak to keith or anyone from your company.
Maria Kane
Keith was excellent Keith was excellent. Really put my mind at ease and a great help.
Refresh, great advice and help The people at Refresh are very helpful, things are explained simply and any issues resolved promptly. They listen to you, are very understanding and your circumstances are always taken into account when advice is given. I couldn't recommend them enough.
Leanne Torr
Spoke with Ryan and feel alot better… Spoke with Ryan and Emma feel alot better put you at ease thank you again will be debt free in just over a year feel loads better already 😊
Very supportive and knowledgeable. Very supportive and knowledgeable.
Very pleased with Niall and his team I… Very pleased with Niall and his team I was introduced to this company when I was at a very low point in my life felt I was getting nowhere with creditors constantly bombarding me with bills Niall got to work straight away and it was like a big weight lifted off my shoulders one easily affordable monthly payment for around 28 months Now I’ve just completed my payments and a brand new me thanks team
Absolutely brilliant take care of all… Absolutely brilliant take care of all my needs very professional and highly recommend
katie cadle
Amazing Amazing. I'm not the best person to try and help as I've got autism but they stayed calmed and helped me with everything I need. Thank you again for all your help

3 Simple Steps

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

    We Listen

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

  • null

    We Advise

    We provide straightforward expert debt advice you can trust.

  • null

    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

Buy Now, Pay Later – The New Debt Trap?

Buy now pay later (BNPL) has taken the online shopping scene by storm thanks to platforms like Klarna, Clearpay and Laybuy. Banks, both traditional and disruptors, are also embracing this type of lending with products like Monzo Flex and Barclays Partner Finance.

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.