What are the opening hours?

Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 6pm

Refresh Debt Advice

Call Directions Website

Like our page for Money Saving Tips and Advice. Get out of debt and stay out of debt for good! Visit Call 0800 121 48 63 today.

If you are struggling to repay your debts our range of debt solutions could help you reduce your payments to a more manageable level. We can help you get back in control of your finances, we remove the stress and worry that debt problems can bring. If you are finding it difficult to repay your credit cards, loans, storecards, overdraft or catalogues debts we could help you:

- Lower your monthly payment
- Negotiate with your creditors to reduce or freeze interest & charges on your accounts
- Stop any hassling phone calls or letters from your creditors
- Help you become debt free

Our advisors can help you with your debt problems; your solution is only a phone call away.

15/10/2026

Can a bailiff clamp your car? 🚗

Not in every situation.

If the vehicle is on hire purchase, is a mobility vehicle, or doesn’t legally belong to you, a bailiff may not be allowed to clamp it.

That’s why knowing your rights matters. If your car has been clamped when it shouldn’t have been, there may be steps you can take - including looking at whether Breathing Space applies in your situation.

If you’re unsure what to do next, send us a DM or message us via our website:

https://refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

13/10/2026

That one day of the month when your bank account takes an absolute battering 😅

Bills, subscriptions, repayments, direct debits… when everything seems to leave at once, it can make the rest of the month feel like one long juggling act.

If you’re regularly finding there isn’t enough left after everything has gone out, or you’re relying on credit just to get through to the next payday, it could be worth looking at the bigger picture.

Getting debt advice can help you understand where you stand and what options may be available.

👉 www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

08/10/2026

A True Gem 🤩

Taking the time to explain things clearly, keeping clients informed, and making sure they feel supported throughout their journey is at the heart of what we do.

Thank you to this client for their kind words, and a special thank you to Brenna for continuing to make a difference in our clients' lives every day.

If you're feeling overwhelmed by debt, we're here to provide clear, honest advice and support every step of the way:
www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

06/10/2026

𝗠𝗬𝗧𝗛: 𝗬𝗼𝘂 𝗰𝗮𝗻 𝗯𝗲 𝗷𝗮𝗶𝗹𝗲𝗱 𝗷𝘂𝘀𝘁 𝗳𝗼𝗿 𝗯𝗲𝗶𝗻𝗴 𝗶𝗻 𝗱𝗲𝗯𝘁 🚫

It’s a fear we hear more often than you might think.

Simply owing money does not mean you’re going to prison, but when you’re already worried about debt, misinformation online can make the situation feel much worse.

That’s why getting the facts matters. Every situation is different, so rather than relying on something you’ve read online or heard from someone else, speak to someone who can look at your circumstances properly.

If you’re unsure about where you stand, getting advice early can help give you a much clearer picture of your options.

www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

30/09/2026

Debt has a funny way of making you feel like you’re the only person in the world who’s got themselves into this situation.

You’re not. Sometimes, the most important part of that first call isn’t even finding the solution straight away. It’s realising there are options, there’s a way forward, and you don’t have to figure it all out alone.

If you’re ready to understand your options, get in touch with our team and start the conversation:
www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙩 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

29/09/2026

Scams are getting smarter - and sadly, they’re catching out more and more people 💔

From friendship and romance scams, to fake lottery winnings, “urgent” HMRC messages or account hacks… it’s hard to know what’s real anymore. If something doesn’t feel right, pause. Reach out to your bank directly, double-check with the friend or organisation involved, and don’t be afraid to ask for help.

If you’ve already been caught out - please know you’re not alone, and it’s nothing to be ashamed of. There are organisations that can support you, and we’re always here too.

If you’re unsure or need a friendly, non-judgemental chat, drop us a DM.

www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

24/09/2026

Reviews like this remind us why we do what we do.

Asking for help with debt can feel overwhelming, especially if you're feeling anxious or worried about being judged. That's why creating a calm, supportive environment is so important to us.

From your very first conversation, our goal is simple: to listen, understand your situation, and help you move forward with confidence.

Thank you to this client for taking the time to share their experience, and for trusting us to be part of their journey 🤝

If you're struggling with debt, remember -you don't have to face it alone.

www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

22/09/2026

How do people end up in debt?

The answer is often much simpler than people think.

A job loss, reduced income, rising living costs, unexpected expenses, or major life changes can all put pressure on your finances. For many, that leads to relying on credit just to cover everyday essentials.

Debt isn't always the result of poor money management. More often than not, it's the result of circumstances changing.

If you're finding it harder to keep up, you're not alone. Reaching out for advice early can make a real difference and help you understand the options available to you:

www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

17/09/2026

𝗟𝗶𝗲𝘀 𝗬𝗼𝘂’𝘃𝗲 𝗕𝗲𝗲𝗻 𝗧𝗼𝗹𝗱 𝗔𝗯𝗼𝘂𝘁 𝗗𝗲𝗯𝘁 – 𝗣𝗮𝗿𝘁 𝟱

“Debt automatically disappears after 6 years.”

It’s not quite that simple. While certain information, such as defaults, may no longer appear on your credit report after six years, that doesn’t necessarily mean the debt itself has disappeared.

Whether a creditor can take court action to recover an older debt can depend on several factors, including the type of debt and what has happened during that time.

So rather than waiting and hoping a debt will go away, it’s important to understand where you stand and what options are available to you. If you’re unsure about an old debt or struggling with what you owe, Refresh Debt is here to help:
www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

14/09/2026

"𝗜’𝗺 𝘄𝗼𝗿𝗸𝗶𝗻𝗴, 𝗯𝘂𝘁 𝗜’𝗺 𝘀𝘁𝗿𝘂𝗴𝗴𝗹𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗱𝗲𝗯𝘁. 𝗖𝗮𝗻 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗴𝗲𝘁 𝗵𝗲𝗹𝗽?”

Yes.

Having a regular income doesn’t necessarily mean your debts are affordable. Rising household costs, unexpected expenses and existing repayments can leave your budget stretched even when you’re working.

If you’re struggling to keep up or regularly have little left after your essential bills and repayments, it could be worth getting advice.

Refresh Debt can help you understand your situation and explore the options that may be available to you. Get in touch to find out more:
www.refreshdebt.co.uk

𝙂𝙚𝙩𝙩𝙞𝙣𝙜 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚 𝙬𝙞𝙡𝙡 𝙣𝙤𝙩 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙧𝙖𝙩𝙞𝙣𝙜. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙚𝙣𝙩𝙚𝙧𝙞𝙣𝙜 𝙖 𝙙𝙚𝙗𝙩 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣 𝙢𝙖𝙮 𝙞𝙢𝙥𝙖𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙧𝙚𝙙𝙞𝙩 𝙛𝙞𝙡𝙚. 𝙁𝙚𝙚𝙨 𝙢𝙖𝙮 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙫𝙞𝙘𝙚𝙨. 𝙁𝙤𝙧 𝙛𝙧𝙚𝙚 𝙖𝙣𝙙 𝙞𝙢𝙥𝙖𝙧𝙩𝙞𝙖𝙡 𝙙𝙚𝙗𝙩 𝙖𝙙𝙫𝙞𝙘𝙚, 𝙫𝙞𝙨𝙞𝙩 𝙈𝙤𝙣𝙚𝙮𝙃𝙚𝙡𝙥𝙚𝙧.𝙤𝙧𝙜.𝙪𝙠. 𝙍𝙚𝙛𝙧𝙚𝙨𝙝 𝘿𝙚𝙗𝙩 𝘼𝙙𝙫𝙞𝙘𝙚 𝙞𝙨 𝙖𝙪𝙩𝙝𝙤𝙧𝙞𝙨𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘾𝙤𝙣𝙙𝙪𝙘𝙩 𝘼𝙪𝙩𝙝𝙤𝙧𝙞𝙩𝙮.

Address

Milltown House, Milltown Industrial Estate
Warrenpoint
BT343FN

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 6pm

Telephone

0800 121 48 63

Website

https://www.refreshdebt.co.uk/

Alerts

Be the first to know and let us send you an email when Refresh Debt Advice posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed finance company in Warrenpoint?