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.

Helen Sutton
The team have been wonderful and got… The team have been wonderful and got things sorted
Mr Daniel Roginson
Emma was very helpful with advice Emma was very helpful with advice, explained everything really clearly,kept me informed and updated.
Benjamin Lowe
Very helpful Very helpful, couldn’t of asked for better service, still yet to finish off the process.
Tina Crowston
Emma has been brilliant put me at ease… Emma has been brilliant put me at ease didn’t judge my situation very helpful highly recommended
Glyn Cox
Spoke with Ryan today who was really… Spoke with Ryan today who was really helpful and friendly and managed to get us on the right path to a debt free life
Tamás Szadai
I just would like to say how amazing… I just would like to say how amazing Rory is. He is so poilte so gentl helpful absolutely credit to the company. Thank you very much again. Kind regards Tamas
I cannot thank enough Ryan and Emma for… I cannot thank enough Ryan and Emma for their magnificient help and support in sorting out my debt problems especially for a company called NEWLYN keep being harassed very rude person a Mr Jessop threatening behaviour by messages keep saying coming to yiur home to seize goods !! for an unpaid council tax bill... which was for 2 years ago!! I am diabetic and my stress has made my sugar levels go sky high couldn't sleep at night!! since speaking to Ryan and finalising my debt management plan with Emma yesterday and being told by her kindly not to worry now take things easy they will be dealing prioritising this bailiff issue first priority..... I feel at ease a big weight has been taken off my shoulders!! THANK YOU RYAN AND EMMA you are my saviour !! I will definately be recommending others who need their help urgently!! can't thank you both enough.....everything was sorted within such a short time.. ... Many thanks
Gemma Seery
My advisor was brilliant she explained… My advisor was brilliant she explained everything. Now I feel like a weight has been lifted.
Neil Scott
My plan is now finished thanks to the… My plan is now finished thanks to the refresh team ,They were brilliant and nothing was a problem, would recommend them to anyone. Thanks a lot guys
Kyle Jakeman
I have been dealing with Roisin I have been dealing with Roisin, who was absolutely amazing. Was patient and went through every detail I needed to ensure i was making the right choice and providing exceptional customer service and helping me sort out my finances and so I know what is to be done next! Thank you!

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.