Freeze Debt 4+

Expert Debt Advice & Solutions

SwapGroup LTD

Designed for iPad

    • 4.0 • 437 Ratings
    • Free




Freeze Debt is a multi-award-winning debt advice and solutions app, provides users with an alternative, stress-free method of communication to get on top of unmanageable debt.

With Freeze, there are only three steps, Simply:

• Add your debts
• Let us know your budget
• Tell us about any assets you own

And that’s it.

Freeze’s AI technology will then calculate which debt solutions you may be eligible for and what your new monthly repayments could be.


Our in-app messaging service is easily accessible and our debt specialists are experienced in finding and setting up solutions based on the individual circumstances of our users. They’ll talk you through your options, answer any questions you may have and help find a solution that is personal to you and your financial situation.


With options to complete either a quick or full assessment, the Freeze app has revolutionised the way those in financial difficulty can find a debt solution.

We want to help take the stress away from debt. No awkward phone calls. 24/7 app access. Look for a debt solution at a time and pace that suits you.


For more information about the service we provide, check out our website:

Freeze Debt is owned and operated by Pacific Financial Solutions and is registered in England & Wales, Registered Office: Ram Mill, Gordon Street, Chadderton, Oldham, England, OL9 9RH. Company number 09404359. ICO registration number ZA207735. Pacific Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority FRN 688034.

What’s New

Version 6.93

App wording and information on debt solutions updated

Ratings and Reviews

4.0 out of 5
437 Ratings

437 Ratings

flirtyfreckles ,

Absolutely brilliant

When Freeze Debt popped on instagram I think it was , I was looking at how good the reviews were , having got myself into a bit of debt I thought I would look into it . I made sure it wasn’t a scam , you simply can’t trust anyone these days ! I contacted them and from the get go you knew they were on your side . At the beginning I spoke to Olivia and Andrea on the online chat , I’m not keen on chatting on the phone so this suited me . I did get very stressed when trying to send all the information they needed especially the bank statements as I’m not savvy with computers but got there in the end . I would like to say a big thank you to Olivia and Andrea for being so patient from the start and guiding me through it all . I now want to say a massive thank you to Alex and qaasim that talked me through all the nitty gritty and explaining it all clearly (I’m a bit thick so need everything really really explained to me ) I even had phone calls too without me crying . You all deserve a medal for all your patience and commitment…. See not all hero’s wear capes

JackyC73 ,

Breathe again

For the last 5 months, I haven’t slept or been able to focus on anything without the feeling of doom over my debts. Pay day would come and then debt day the day after, leaving me nothing to actually live on. Barely existing and feeling horrible for the next month until the cycle repeated itself.
Yesterday I had had enough and the Freeze advert came up on my Facebook. I downloaded the app, filled in the details feeling a little bit sick to be honest looking at how much I actually owed. The app chat was brilliant and really gave me a feeling of hope that there is a way out from this cloud I’ve lived under for months now.
Today I spoke to Jonathan and Nuri
who are both amazing. A plan looks like it’s in action to allow me to breathe again. I know I’m the one who got myself into this stinking mess but with Freeze’s help, I can hopefully get out of it!
If you’re struggling, reach out to this lot. You are not alone...They are fabulous and will give the best advice.

Bexables ,

One of the best things I ever did!

My debts were £1200 a month and it was killing me! I’d looked at IVAs online but I hate phone calls so I didn’t bother. Saw an Instagram advert for Freeze and the reviews were positive so I gave it a go. 80% of my communication with them was done via chat messaging in their app. Their staff were friendly and helpful, couldn’t fault them! After sending in my documents they calculated that I could pay £153 per month towards my debts instead of £1200! A huge saving! I agreed, had one phone call with an IVA practitioner to confirm all my details and now my IVA is in progress. There is no one out there who offers a modern IVA or DMO service in this way. It’s modern, easy, stress free and quick. I can see why they’ve won awards. If you’re struggling with debt and can’t see a way out, download this app, complete their questionnaire and chat to them in the app. You’ll be so glad you did.

App Privacy

The developer, SwapGroup LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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