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.

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To find out more about managing your money and getting free and impartial debt advice, visit www.moneyhelper.org.uk, an independent service set up to help people manage their money.

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.

Freddie Nicholson was £10,000 in debt. He gambled as a distraction from his deep depression and drank bottles of wine each day to try to numb his feelings. Read how we were able to help Freddie. 

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, We are happy to provide you with debt advice only. We only charge a fee if you opt for a debt solution with us. Entering into a debt solution can affect your credit rating for at least 72 months. All fees will be discussed prior to the commencement of any debt management plan. Details of our fees can be viewed here.

Our Values

Caring

We are kind and caring to everyone we encounter. We actively listen, being emotionally present and we respond with compassion and empathy.

Non-judgemental

We will never judge anyone who reaches out for help with their debt. We understand that there are many reasons for someone falling into debt and we know it can happen to people from all walks of life.

Honest

We act with honesty and integrity – We adhere to the highest regulatory standards. The advice we give is tailored to support each individual’s particular set of circumstances and we empower people to take back control of their finances.

Excellence

We strive for excellence in everything we do. This means, getting things right the first time, every time.

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

7.4m people struggling with bills and credit repayments

New research from the Financial Conduct Authority (FCA) has found that while many are struggling to meet financial commitments 7.4 million people were struggling to pay bills and credit repayments in January 2024, down from 10.9 million in January 2023.

Read more

Household bills predicted to fall by £350

According to new research by Compare the Market, the annual cost of household bills is expected to decrease by an average of £350 year-on-year starting April 2024. The analysis includes energy, water, home insurance, motor insurance, and council tax costs.

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.