We are committed to providing a high level of customer service to our clients; we strive to provide information which is transparent for our clients. While we are able to provide our initial advice by telephone at no charge to our clients’, fees will be involved if you proceed with your recommended solution. We aim to keep our fees at a minimum level while maintaining an excellent level of service for our clients’. For more information our fees read below
What if I change my mind?
Remember there is no obligation to proceed with your recommended solution after our initial consultation. If you do commit to one of our solutions you have the right to cancel your agreement within 14 working days.
Will it affect my credit rating?
A record of your agreement with us will be held on your credit file for up to six years and your ability to obtain credit may be affected
Please click here for information on our complaints procedure
Debt Management Fees
We have to charge a fee for our service so that we can provide a superior quality service to our clients. If you join a Debt Management Plan with Refresh your first monthly payment is an initial fee for setting up arrangements with your creditors and is not paid to your creditors. This will place your accounts into arrears or further into arrears and may extend the time it takes to repay the debt. There’s a monthly fee of 15% included as part of your affordable monthly payment (subject to a minimum of €35.00 and a maximum of €100).
This is to cover:
- Compilation of the Draft Plan
- Appointment of a dedicated Debt Advisor
- Communication with your creditors either in writing or by telephone
- Preparation of the financial statement
- Calculation and issue of the reduced repayment proposals
- Negotiation to reduce or freeze interest and charges
- Distribution of your monthly payment to your creditors on a pro-rata basis
- Account reviews and renewal of creditor arrangements
The initial fee is not refundable. However, we do give you a 14 day ‘cooling-off’ period so you can be sure you’ve made the right decision. If you decide to withdraw from the Debt Management Programme within 14 working days from the day you confirm acceptance of our business terms or, if earlier, from the date we receive your first monthly payment, we’ll refund your initial fee.
Call Charges
Calls are charged at a lo call rate from landlines. Calls from mobiles will be charged, as such it may be cheaper to dial 048 417 52062 from a mobile phone. Landline packages may not allow calls to 1890 numbers, please check with your provider, if they are not included please dial 048 417 52062, calls to this number will be charged at a national rate.
To arrange a FREE callback, please complete the form on the right of the page
