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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.

03/06/2026

Should schools be teaching children about money? 😏

Not just how to count it - but how credit works, what debt actually means, how to budget, and how to avoid financial mistakes.

Last year, Martin Lewis backed calls for stronger financial education in schools, warning that young people are entering adulthood without the knowledge they need to manage money confidently.

With credit becoming easier to access and money pressures affecting more households, is financial literacy now just as important as traditional subjects? Or should money management be taught at home instead?

What do you think? Let us know in the comments 💬

www.refreshdebt.co.uk

02/06/2026

It's a ✨no✨ from us

Follow us over on the other app for more content like this!

01/06/2026

Getting debt help shouldn’t feel complicated.

We’re proud to hear that Roisin made the process clear, straightforward, and less stressful from day one. Setting up a debt management plan can feel daunting, but having the right support makes all the difference.

Thanks for trusting Refresh 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.

29/05/2026

Energy bills could rise AGAIN - and this time, unpaid household debt is part of the reason.⚠️

EDF has warned that energy debt in the UK could hit £7 billion next year, with suppliers suggesting this may add another £75 a year to household bills.

But behind these headlines are real people already struggling to make ends meet.

Many households aren’t refusing to pay because they don’t care - they simply 𝘤𝘢𝘯’𝘵 afford to. Rising living costs, higher energy prices, and stretched budgets are leaving more people falling behind on essential bills.

If you’re feeling overwhelmed by energy arrears, credit cards, loans, or household bills, you are not alone, and there are options available.

At Refresh Debt, we help people understand their choices and getting advice early can help reduce stress and prevent debts from spiralling further.

✔️ Free, confidential support
✔️ Clear, practical guidance
✔️ Solutions tailored to your situation

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.

28/05/2026

Not sure how a Debt Management Plan actually works? 🤔

Melissa breaks it down step by step. If you’re struggling with debt, the first thing to do is get in touch with us. We’ll go through a full financial assessment with you - your income, expenses, debts, and current payments - so we can understand your situation and find the best solution for you.

If a Debt Management Plan is suitable, we’ll combine your debts into one affordable monthly payment and negotiate with your creditors on your behalf 🤝

Once your first payment is made, your plan officially starts. We’ll send over any paperwork you need, and from then on, if you receive letters, emails, or calls from creditors, you can send them straight to us and we’ll deal with it for you.

If you have any more questions, leave them in the comments or send 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 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.

27/05/2026

“Buy now, pay later” is sold as flexibility - a quick and easy way to spread the cost without feeling the impact straight away But for a lot of people, it becomes multiple payments, constant reminders, and 𝘴𝘵𝘳𝘦𝘴𝘴 every month.

It’s easy to lose track when every app lets you split the cost at the click of a button, especially when money’s already tight.

If Buy Now Pay Later debt is starting to pile up, you’re not the only one dealing with it. A quick chat with us could help you take back control of your finances 💬

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.

26/05/2026

The cost of living crisis isn’t slowing down - and for so many families, things are starting to feel even harder. 💔

From rising food prices and energy bills to childcare costs, school uniforms, and council tax arrears, the pressure is building. Jenny & Melissa talk honestly about what they’re seeing every day, with phones “off the hook” as more people struggle to keep up and bailiff action continues to rise.

If you’re feeling worried about money right now, please know you are not alone. There is support available, and speaking to someone early can make a huge difference. At Refresh Debt, we’re here to listen without judgement and help you understand 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 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.

22/05/2026

Just a quick reminder that our offices will be closed on Bank Holiday Monday. ☀️

If you need support, you can still visit our website for helpful information and resources, and we’ll be back ready to help when we reopen on Tuesday.

We hope you all have a lovely bank holiday weekend!

21/05/2026

Paying the minimum on your credit card can feel like you’re keeping things under control, but it can quietly keep you in debt for years.

As most of the payment goes toward interest, the balance often reduces very slowly, meaning you can end up repaying far more than you originally borrowed.

Even paying a little extra each month can make a big difference over time.

If credit card debt is becoming stressful, support is available.Let's have a chat:
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.

20/05/2026

Even though the cost of living crisis isn’t making headlines like it was last year, so many people are still feeling the effects every single day.

Jenny & Melissa talk about how we’re seeing more people struggling with utility arrears - gas, electricity and water bills that have become impossible to keep on top of.

What’s even harder is that many people are using organisations and schemes that are meant to help, and still finding they can’t clear the debt or catch up.

If this sounds familiar, please know you’re not alone, and there are options available. Asking for help is never something to feel embarrassed about:

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.

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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