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Refresh Debt Advice

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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.

25/06/2026

Dealing with bailiffs can feel intimidating.😟

Even for people who speak to them regularly, bailiffs aren't always easy to deal with. When you're already worried about money, having someone at your door or contacting you about debt can feel overwhelming and frightening. That's where we can help!

Our team has experience dealing directly with bailiffs, so you don't have to face those difficult conversations alone. We can speak to them on your behalf, explore your options, and work to get affordable arrangements in place.

One of the most rewarding parts of our job is helping someone move from feeling scared and powerless to having a plan and some breathing room.

If you're struggling with bailiffs, don't suffer in silence. The sooner you reach out, the sooner we can start helping. You're not alone, and there may be more options available than you realise:

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.

24/06/2026

"𝗜𝗳 𝗜 𝗰𝗼𝘂𝗹𝗱 𝗴𝗶𝘃𝗲 𝘁𝗵𝗶𝘀 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝟱 𝘀𝘁𝗮𝗿𝘀 𝗜 𝘄𝗼𝘂𝗹𝗱" 🌟

One of the things we hear most often from our clients is: "I wish I'd contacted you sooner."

Debt can feel isolating, overwhelming, and difficult to talk about. Many people spend months or even years carrying the stress on their own before reaching out for support. But taking that first step doesn't have to be scary.

At Refresh Debt, we're here to listen, explain your options, and help you find a way forward without judgement.

If money worries have been weighing heavily on your mind, know that you don't have to face them alone. Get in touch for free, confidential debt 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 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.

23/06/2026

Bailiffs at the door? It’s not too late to get help.🚨

For many people, the first time they realise how serious their debt situation has become is when a bailiff arrives. It can be an incredibly stressful experience, especially when you're already struggling to keep up with payments.

If a bailiff clamps your car, it can affect your ability to get to work, take the children to school, or simply carry on with everyday life. The emotional impact can be just as difficult.

The good news is that there may be options available. In some cases, protections such as Breathing Space can help stop enforcement action and even lead to clamps being removed. Many people simply don't know these solutions exist.

While it's always best to seek advice as soon as you're struggling with priority debts, getting help when bailiffs are involved is not too late.

If you're worried about bailiffs or debt, speak to our friendly team today. We're here to help you understand your options and take back control. 🤝

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.

22/06/2026

Most people don't fall into financial difficulty because they're careless with money.

Life happens. Unexpected expenses, rising living costs, changes in circumstances, or simply trying to keep everything afloat can leave anyone feeling overwhelmed.

That's why it's so important to be kind to yourself. Looking back and recognising where things could have been done differently isn't about blame - it's about learning, moving forward, and making informed decisions for the future.

If money worries have been weighing on your mind, remember that support is available and there are often more options than you realise.

Taking the first step is often the hardest part, but it can also be the most important. 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.

19/06/2026

What would an unexpected £20 expense do to your finances?

A parking fine. A prescription. A school trip. A broken kettle. A tyre puncture. For some people, it's a minor inconvenience. For others, it's the difference between making it to payday and falling behind.

Financial struggles aren't always about large amounts of debt. Sometimes it's about having no room left to absorb life's little surprises.

If an unexpected £20 would cause you stress right now, you're not alone. Many people are feeling the pressure of rising costs and stretched budgets. The good news? You don't have to wait until things get worse before seeking help.

Sometimes, the earlier you ask for support, the more options you have available.

Be honest: What would an unexpected £20 expense mean for you today? 💬

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.

18/06/2026

Think you know how many subscriptions you're paying for?

You might be surprised.

Those small monthly payments are easy to forget about, but they can quickly add up. Take a few minutes to check your bank statement - you might find some extra money hiding in plain sight.

How many subscriptions do you think you have? 👇

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.

17/06/2026

𝗖𝗹𝗶𝗲𝗻𝘁 𝗥𝗲𝘃𝗶𝗲𝘄 ⭐

A huge thank you for these kind words about Keith. Providing clear, practical debt advice is what we do, and it's great to hear that Keith's expertise, support, and guidance helped make the process easier to manage.

If you're struggling with debt, getting the right advice can make a real difference. We're here to help you understand your options and find a solution that works for you.

Get in touch for free, confidential debt 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 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.

16/06/2026

We're seeing a huge rise in Klarna debt.🚨

Almost every case we look at now includes Buy Now, Pay Later borrowing - and it's rarely just one account. More often, people have 5 or 6 different payment plans running at the same time.

What started as using Klarna for clothes has expanded to everyday spending, including takeaways, groceries and other essentials. And while balances used to be around £100, we're now regularly seeing debts of £400-£500 or more.

The problem is that each payment can feel small and manageable on its own. But when multiple plans stack up, it can quickly become overwhelming. Buy Now, Pay Later companies make money when customers miss payments and incur fees. That's why it's so important to understand the risks before using these services.

If you're finding it hard to keep track of payments or feeling overwhelmed by debt, you're not alone. Help is available, and there are solutions that can help you regain control. Get in touch for free, friendly debt 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 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.

15/06/2026

The person driving a brand new BMW, taking three holidays a year and earning £80,000 might be struggling with debt. The person driving a Ford Fiesta, taking one holiday a year and earning much less might be too 🤷

The truth is, debt doesn't have a "look."

You can't tell what someone's financial situation is from their car, their house, their job title, or what they post on social media.

Whether you owe £6000 or £16000, the amount isn't what matters. What matters is how it's affecting your life.

If you're losing sleep, avoiding phone calls, feeling anxious every time you check your bank balance, or wondering how you'll make it to payday, that's when debt becomes a problem, and that's exactly when you should ask for 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 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.

12/06/2026

Most people think the biggest debt-free milestone is making the final payment. But often, the milestones that matter most happen much earlier.

These moments won't show up on a credit report and you can't put a number on them, but they're often the first signs that things are getting better. Because becoming debt-free isn't just about reducing what you owe. It's about reducing the stress and finding peace of mind.

Every journey starts with a first step - and every milestone along the way deserves to be celebrated. Which one would feel like the biggest win for you right now? 💬

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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