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.

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EXCELLENT Based on 238 reviews.
Bilgen
2021-05-12
Keith was great !!!! I had a phone call with a Keith today. he was very kind and understanding. He made great efforts to help me. I am very happy for this. Im % 100 recommend it.
Charlotte
2021-05-04
I really appreciate the support I was given regarding debt advice. I was provided with the upmost respect and there was no judgement at all. As difficult as it was to go through my situation, the advisors made me feel comfortable and were able to support me to find a solution to better manage my debts. A huge thank you to Jay and Keeley.
IB Whittaker
2021-04-28
I was in a really bad situation due to a sad divide between my family but when I came to Refresh Debt Services, my mind was almost at complete ease. Keith Brady in particular is a lovely advisor and does his utmost to not only help, but follow each step along the way with perfect understanding of each situation. Couldn't recommend this company enough.
Michelle D'Arcy
2021-04-28
Keith was great! constantly asked if I had any questions, made sure I understood everything, didn't rush me when I was getting information. Totally professional but also put me at ease and we even had a little joke. The weight of the world has been lifted off my shoulders. 100% recommend them.
Craig Newkland
2021-04-28
Very very good service and advice. People at Refresh are friendly, polite and knowledgeable. Would recommend to anyone.
Linda Harvey
2021-04-27
From the day i started my DMP the team have been more than helpful and respectful. Over the Last years i have had know reason to contact Refresh as i never had any issues with my payments ect. In the last week as my DMP has come to an end i needed advice and support with being able to show proof my DMP had come to and end and i now owe nothing, but also a huge weight lifted from my shoulders. Brenna my account manager was soo helpful and understanding and took her time to chat to me and send me all the info i had asked for. These people are not judgmental or insensitive, just helpful people trying to help you get back on track!! Thank you
jean roaach
2021-04-17
I found refresh very helpful when I was struggling with my debts. I received monthly statements and updates on what I was paying and when things changed and was only to happy to help with any problems I had all ways pleasant on the phone and understanding. Lucky enough I am debt free thanks to refresh would highly recommended them
Sarah
2021-04-15
Keith was so helpful! Made me feel very comfortable to talk to him about the help I needed. Would recommend anyone who is struggling to talk to him! Fantastic service! Couldn’t be more grateful of his time and help!
Carolyn
2021-04-03
Keith was absolutely brilliant. I was a victim of a sophisticated Bitcoin scam which has been largely responsible for my present financial predicament and I feel embarrassed and ashamed that I allowed this to happen to me.As a result I was really scared as I began to think that everything was fraudulent including Debt Management agencies. Right from the start I felt safe and reassured with Keith. He not only knew his stuff but validated my feelings and perceptions, was not at all judgemental and his concern and empathy were genuine with marked social, psychological and emotional intelligence and sensitivity. For the first time since I realised I had been scammed I could sleep. I felt protected and I still do. He would make a very good psychiatrist.
customer
2021-04-01
From the moment I spoke to Keith he put me at ease. He professionally took me through the possible steps, answering any questions that I had and his empathy and reassurance was very appreciated. Once I came to a final decision on what I needed Keith again answered any other questions and quickly put the plan into action. Honestly I had spent so many days/nights worrying about the debts once I had finished talking to Keith I felt like a huge weight was lifted from My shoulders!! I can’t thank Keith enough for taking the time to listen and then implement the plan for me! 10/10

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.

Get Debt Help

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.

FAQ's

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.

Call Now

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.
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Credit Cards

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Payday Loans

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Council Tax Arrears

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Catalogues

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Utility Arrears

News, Updates & Events

council-tax-bills

Temporary Relief From Council Tax

Temporary relief from Council tax, rent and other forms of debt arrears have been introduced as the “Breathing Space and Mental Health Crisis Debt Respite Schemes” are launched by the Government.

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. 
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Debt Management Plan

A DMP is an informal flexible agreement between you and your creditors to repay all your debts. You make regular payments to a licensed debt management company.
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IVA

A legally binding solution to managing your money and paying off multiple debts. It is a formal repayment arrangement between you and your creditors.
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Bankruptcy

If you’re unable to repay any outstanding debt in England, Wales, or Northern Ireland, Bankruptcy is one of a number of wider financial solutions available to you.
See All Debt Solutions

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.
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