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.

Mrs M
Emma was amazing. From starting to get help for my debts. Emma was amazing very helpful. didn't judge me at all. helped me with any questions or queries I have had. thankyou for all your help.
Wonderful service! If you are fortunate enough to deal with Keith you are in good hands! Wonderful guy and explains everything step by step and makes sure you’re fully understanding and on board. A huge weight lifted and all I had to do was send over my most recent statements. He did the rest.
Excellent What can I say, From the time I picked the phone up and rang the number, I felt at ease. The team help me. We talked all about my debts and my worries about money. Keith Help me from the start. What a top guy he is. I'm now on top of everything. I cant thanked them enough. They put a smile on my face.
Very helpful
What can i say,Allison & the team at refesh have been fantastic from day one,they dealt with creditors & agreed a manageble monthly payment.which is paid to creditors every month.we wish you well for the future guys.. Thankyou so much..Edward J...
Stefan Vasilev
Great service very helpful information and advice many thanks!!
Jade Nadia
Great customer service and advice Keith was fantastic, although I didn’t have much debt his advice was great and I would recommend using this company if you are struggling. Also left me contact details in case I had other questions about finance. Thank you so much Keith! 🙂
A walking angel for those in debt, Keith walks you through each stages with ease and compassion, . My repayments are now significantly reduced all by one simple telephone conversation. Please do not hesitate to contact them and be able to breathe again.
Owen Dykes
Breaking a circle and lifting a weight There was a time I use to be scared of the mail coming through the door, worried about phone calls and knocks at the door, the added stress of carrying a big weight with me, every month worried on how I was going to pay for everything. I was stuck in a vicious circle of not been able to pay for my debts and missed payment charges just piling up, got to a point of either live or make a payment. I was stuck in a vicious circle of my own doing that was out of control and causing me undue worry and stress. Once I made contact with refresh debt that circle was broke and that weight lifted, their customer service is relaxed and makes you feel you are a person and not just another number on a spreadsheet some were, regular contact from someone who understands your situation and know how to help dealing with it, they are not interested in the past or how you got there but more interested in the future and to get rid of that big weight and stress. Would definitely recommend them to everyone.
Jen tudor
Non-judgemental, helpful service.

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!
  • We have over 15 years’ experience. 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 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.
  • Our team are 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

county court judgments

County Court Judgments explained

If you are in debt, there are various techniques the court can use to force you to pay back what you owe. One of these techniques is a County Court Judgment (CCJ).

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.