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Refresh Debt Advice

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 p

ayment
- 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.

01/09/2026

Energy bills are set to rise again this October ⚡

Ofgem has announced an increase to the energy price cap, meaning many households could face higher energy costs just as the colder months begin.

With everyday expenses already putting pressure on household budgets, another increase may leave some people worried about how they’ll keep up with bills and existing debt repayments.

If rising living costs are making your finances harder to manage, you don’t have to wait until things reach crisis point before asking for support. Refresh Debt can help you understand your situation and explore the options that may be 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.

27/08/2026

What's the Difference Between Secured and Unsecured Debt? 💸

Debt isn't all the same.

Understanding whether a debt is secured or unsecured can help you make informed decisions if you're struggling with repayments.

𝗦𝗲𝗰𝘂𝗿𝗲𝗱 𝗱𝗲𝗯𝘁 is linked to an asset, such as your home or car. If you don't keep up with payments, the lender may be able to take that asset.

𝗨𝗻𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗱𝗲𝗯𝘁 isn't tied to an asset and includes things like credit cards, personal loans and overdrafts.

Knowing the difference is the first step to understanding your options. If you're unsure what type of debt you have, our friendly team 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.

26/08/2026

𝗟𝗶𝗲𝘀 𝗬𝗼𝘂'𝘃𝗲 𝗕𝗲𝗲𝗻 𝗧𝗼𝗹𝗱 𝗔𝗯𝗼𝘂𝘁 𝗗𝗲𝗯𝘁 – 𝗣𝗮𝗿𝘁 𝗧𝘄𝗼 𝟮️⃣

It's embarrassing that I've let myself get into this much debt.

Not true.❌

This is one of the most common things we hear from people before they contact us.

The truth is, debt can happen to anyone. Whether it's due to the rising cost of living, losing a job, unexpected expenses or a change in circumstances, many people find themselves struggling through no fault of their own.

You're far from alone. Millions of people across the UK are dealing with debt, even if it doesn't always seem that way.

What matters isn't how you got here,it's taking that first step towards getting help. Our team speaks to people every day who felt ashamed or thought they were the only one. A simple conversation can help you understand your options and start moving forward:

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.

21/08/2026

A review so kind, we had to split it across six slides... 💙

Reading feedback like this is a reminder that debt advice is about so much more than numbers.

It's about taking the time to listen, explaining things clearly, and helping people feel heard, supported and hopeful again, and we're so proud that our team do this with every client we speak to.

If you're feeling overwhelmed by debt, remember that one conversation really can make all the difference:
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.

18/08/2026

Lies You’ve Been Told About Debt – Part One 1️⃣

When it comes to debt, there’s a lot of misinformation out there.
One of the most common (and scariest) myths? Bailiffs can take anything they want from your home.

Not true.❌

Bailiffs (or enforcement agents) can’t just turn up and take whatever they like.
✅ They must follow a strict legal process
✅ You’re entitled to notice before they visit
✅ There are protections in place for essential items

Knowing your rights makes a huge difference, and helps to take away some of the fear. If you're worried about bailiffs or debt collection, we’re here to help you understand what’s fact vs fear. Reach out for friendly, confidential advice:

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.

13/08/2026

Could you be missing out on £150 off your energy bill this winter?💡

If you receive certain means-tested benefits, you could be eligible for the Warm Home Discount - a £150 reduction on your electricity bill.

Before 23 August, it's worth checking:

✔️ Your name is on the electricity bill.
✔️ Your energy account is registered correctly (especially if you've recently moved or use a prepayment meter).
✔️ You're receiving an eligible benefit, such as Universal Credit or Pension Credit.

For many households, £150 can make a real difference over the winter months.

If you're already struggling with energy bills or have fallen behind on payments, don't ignore it. Energy debt is a priority debt, and the earlier you seek advice, the more options you're likely to have.

If you're worried about utility bill debt, we're 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.

11/08/2026

The warning signs of debt aren't always obvious. 🚩

Many people think they're managing because they're still making their monthly payments. But sometimes, debt can quietly build in the background.

If anything in this video sounds familiar, it's worth getting advice sooner rather than later. You don't have to be missing payments or in crisis before asking for help.

The earlier you reach out, the more options you'll usually have:
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.

06/08/2026

Are you struggling with debt with any of these companies? It's likely that we can help. Comment HELP below or DM us for a chat. You can also check out the debt solutions we offer over on our website. You don't HAVE to be in debt.

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.

05/08/2026

What do I do about utility bill debt?💡

If you're falling behind on your gas, electricity or water bills, don't ignore it. Utility bills are priority debts, so it's important to deal with them as early as possible.

Here are a few steps you can take:

✔️ Contact your supplier as soon as you know you're struggling - they may be able to arrange an affordable payment plan.
✔️ Check your bill is based on actual meter readings, not estimates.
✔️ Review your monthly Direct Debit to make sure it's accurate.
✔️ See if you're on the most suitable tariff for your household.
✔️ Take a look at your budget to understand where your money is going.

Most importantly, remember you don't have to face it alone.

If utility bill debt is becoming overwhelming, our friendly team can talk you through your options and help you find a way forward. The sooner you ask for help, the more options you're likely to have:

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.

04/08/2026

This ONE thing has helped thousands of our clients break free from debt: a Debt Management Plan (DMP).

We work with your creditors to stop interest and charges, so every payment you make goes directly towards reducing your debt, not just maintaining it.

We’re with you from the very first step right through to the moment you become debt free.🎉

Ready to take control of your finances? Message us today for free, friendly, and confidential support:

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/

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