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.”


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.

Debt Management Plan

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).

Debt Relief Order

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

Trust Deed (Scotland)

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.

Debt Arrangement Scheme (DAS)

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)

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.”


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