Refresh Debt Services Ltd offers a range of debt solutions including Debt Management Plans, IVAs, Bankruptcy Assistance Service and Scottish Debt Solutions.  On completion of our form, a debt adviser from Refresh Debt Services will contact you to complete a fact find which will help us to advise you if you qualify for an IVA which is a formal debt solution, if you are accepted onto an IVA and complete your pre agreed repayment term you will have a percentage of your debts written off.

Your initial consultation is always free, but if you enter into a debt relief programme, then fees will apply and these are made clear by your advisor. You have the right to a cooling off period of 14 days. By enrolling in a debt programme, it is likely that your ability to obtain credit will be affected for 6 years. Retained payment may place you further into arrears. Refresh is a profit seeking company and our services are offered in return for a payment from our customers.    

Entering into an IVA, Debt Relief Order or Protected Trust Deed will be entered into a Public Register.   Impartial sources of information concerning dealing with creditors are published by the Insolvency Service (England and Wales), the Department of Enterprise, Trade and Investment (Northern Ireland) and by the Scottish Government.  

There are risks when entering into an individual voluntary arrangement or a protected trust deed, including of the following risks:if the arrangement or deed fails, the risk of bankruptcy; if you are a homeowner you may need to release equity from the value of your home to pay off debts, and a remortgage may attract higher interest rates or, if no remortgage is available, an individual voluntary arrangement may be extended for 12 months; there are restrictions on the expenditure of a person when you enter into an individual voluntary arrangement or a protected trust deed; your lenders or owners may not approve the individual voluntary arrangement or the protected trust deed; and only unsecured debts included within the individual voluntary arrangement or protected trust deed may be discharged at the end of the period and unsecured debts not included remain outstanding.