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.

Geraldine Holland
The best ever Refresh debt services are life changing! It has been so easy and stress free . I love them thankyou.
Cohens gym
I came across Refresh when I was at an all time low. Niall at refresh really put me at ease and helped set up a plan for managing my debt. He was very professional and sympathetic and has been ever since. I’d recommend Refresh to anyone, if they are ever in a position where they feel lost.
Samir Khamis
Emma is super amazing 🤩 Thanks Emma for your help
Alison Robotham
Extremely helpful and understanding so glad to deal with them
alethea bull
The people I spoke to were so helpful and friendly and understanding. I couldn't have asked for a better service.
Susan Kearns
I was so worried about my debt but every person I spoke to here was so friendly helpful and reassuring. My debt management plan was put into place quickly and without fuss. I thoroughly recommend Refresh to anyone struggling. They are amazing.
Ben Southby
Only just started dealing with Emma and team and they seem amazing so so helpful 😊👌
chujew Brzeczyszczykiewicz
My experience was amazing, Emma was very clear and helpful, lets hope everything ends up nicely.
Emma Campbell, very polite, very helpful and kind. Couldn’t have asked for better advice, done everything she could to help me, thanks again, amazing.
Sandra Chambers
Will sleep tonight 😀 Spoke to two people a young lad to connected me to Laura and both were amazing , they made me feel at ease and explained everything in a way I could understand . The service was brilliant and I hope to continue to be debt free with their help .wish I had spoken to them sooner , thank you guys 👍👍👍

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

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.