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Apply for and submit applications for a Debt Management Plan or IVA


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Debt Help Hub
Make your first steps towards a debt-free future with Fresh Start UK.

If you live in the United Kingdom and your personal situation has changed, and you now face issues with problem debt, we are here to help. Our specialist Debt Advisors are friendly, professional and have over 35 years of combined experience in debt help and assistance. We have assisted over 12,000 customers on their journey to become debt-free. We will listen and provide recommendations on all available debt solutions, which will be based on your own personal circumstances. Together, we can achieve a Fresh Start for your financial future.

Types of Debt
What debts are concerning
you the most?

Unsecured debt includes personal loans, overdrafts, utility bills, credit cards and payday loans. Whatever type of debt you’re worried about, there is something you can do to take control. One of our professional, helpful & friendly debt advisors will be able to discuss your situation and recommend a debt solution to help you on your journey to becoming debt free.

Credit Cards

Payday Loans

Store Cards & Catalogues


Personal Loans

Business Debt

A few creditors we can help with
Which creditors are most
concerning you?

Fresh Start UK has been operating since 2009 and has helped over 12,000 customers on their journey to becoming debt free. We have experience negotiating repayments with the UK’s largest credit providers and debt collection companies.

No matter who you’re in debt with, finding the right debt solution for you means you may never need to communicate with your creditors directly. Fresh Start UK can do this for you and look to negotiate repayments based on your affordability, depending on which debt solution you choose. This removes the hassle of having to do this with multiple creditors.

Contact one of our professional debt advisors today to discuss your options and let us help you on your way to a financial fresh start.

Capital One



Lloyds Bank

Marks & Spencer





Lowell Financial


Link Financial


Cabot Financial

Hoist Finance

PRA Group



Our Fees
Open, upfront and honest pricing.

Fees may be involved with debt solutions. Fresh Start UK promises to be open, honest and upfront with all our customers, so there are no nasty surprises. We aim to set our Monthly Management Fees (MMF) on the amount of work our help will usually take. We think this is the fairest way. This means if you have one or two debts, your fee will be less than if you have over 10. This is also why our fees are slightly higher during the first 6 months of a Plan because the amount of work needed is much higher


Money Helper has replaced the Money Advice Service and brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.