We’ve helped our clients clear over
£16,560,603 of debt since 2008
Trust Refresh Debt Services to help you do the same
Why Refresh Debt
We at Refresh are really passionate about helping people like you get out of debt once and for all.
We have been about since 2008 and we know a thing or two about clearing debts. So far we have
helped our client’s clear over £16 million of debts!
No matter what your situation you can be guaranteed we have dealt with something similar before. We are experienced, trustworthy and most importantly, approachable. You can call us, email us, text us, we don’t mind… No question or query is unimportant. We promise to give you our time and our expertise. We will guide you every step of the way on your journey to becoming debt free.
“Very happy to be with Refresh, I am able to enjoy every day instead of worrying about bills. Thank you for your help.”
Helen
Debt Solutions
There are a wide variety of debt solutions out there, but it is not a ‘one size fits all’ scenario. Each
solution has pros and cons that make some solutions better for some people than others.
A debt Management plan is a way of reducing your monthly repayments to your creditors when you can afford to make them in full. A Debt Management Plan is an informal debt solution and can be adjusted to suit your needs
An Individual Voluntary Arrangement is a legal form of insolvency where you agree to repay a set amount to your lenders (IVAs are not available to Scottish residents).
A DRO is a formal debt solution setup by making an application through an approved intermediary.It is intended for people on low-income and little assets who would otherwise struggle to pay the fees to go bankrupt.
Bankruptcy is a form of insolvency which essentially is a declaration that you are unable to pay off your existing unsecured debts. You can apply for bankruptcy voluntarily or made be made bankrupt by an aggressive creditor.
Scottish Debt Solutions
A Trust Deed may be an option if you have debts of over £6,000 and live in Scotland. It combines multiple monthly repayments into one affordable monthly payment for four years or sometimes more.
A Debt Arrangement Scheme (DAS) gives you a fresh start and may be available if you are a resident of Scotland. A DAS freezes the interest on your debts and lets you repay them over a timescale that suits you.
Minimal Asset Process (MAP) replaced Low Income Low Asset in 2015. If you live in Scotland and have a low income and few assets such as a home or car, MAP may be for you.
“I have always found everyone polite and helpful, even when I did not know how to carry on. You have always been there for me and I will always be grateful for all you help. I would recommend you to anyone.”
Kuldeep
You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt
Latest Blogs
Falling behind on your household bills due to coronavirus?
October 19, 2020 by Shane McGuigan
Research carried out by the citizen’s advice found that an estimated 6 million UK adults have fallen behind on at least one household bill during the pandemic, including; • 3.4 million on their mobile phone or broadband bills • 3 Read More
World Mental Health Day – Improve your Mental Wellbeing
October 9, 2020 by Shane McGuigan
Coronavirus (Covid-19) is impacting all our lives, and we know that the usual advice might not quite apply. Some ideas for looking after yourself may feel unrealistic right now. And some treatment and support options will be harder to access, Read More
Bailiffs and Vulnerable Persons – Dealing with Bailiffs
October 7, 2020 by Shane McGuigan
Covid-19 and Bailiff Action Between 26 March 2020 and 23 August 2020 bailiffs weren’t allowed to come to your home. If you’re vulnerable, bailiffs need to treat you with care. Typically Bailiffs have 12 months to collect a debt, from Read More