About Us - Keith White - Thomas Charles and Co, Specialists in Debt Help and Advice

Discreet advice and solutions for people in serious debt

Keith White, Senior Debt Consultant

	People-focused
	Financial expertise
	Degrees in Business Studies and Theology
	Breadth of life experience

As a debt counselor at Thomas Charles, Keith advises clients on debt matters generally and solutions in particular. He gives practical and professional advice in a relaxed and easy-going manner. His business/financial background (management consultancy, accountancy) is complemented by his people-focused counseling and listening skills. He has extensive experience in the commercial, educational and church-related world. Keith hails from Merseyside and is a father of three.

Keith White

Personal Statement from Keith:
“I understand something of the pressures and challenges in today’s world, and the ease with which debt can become a real burden which is hard to bear. Finding solutions to the debt crises people face is one of the most rewarding aspects to my consultancy work. Impartial yet professional advice, given in a sympathetic and supportive way, and which leads to a debt-free and financially healthy future is fundamental to the Thomas Charles approach.”


	If you would like to talk to me about your debt problems then please fill in the form below:
	Name:

	Email Address:

	Telephone:

	Message: Hi Keith White, I would like you to give me some advice on debt. My total debt is £xxx and I look forward to hearing from you.




	Please complete below to provide feedback on Keith White: Name: Email address:
	Feedback type: General Praise Complaint * * Please note that any complaint will be brought to the attention of the directors and swiftly responded to.
	Please rate the following out of 10:
	My communication skills and manner	out of 10
	My debt expertise and advice	out of 10
	My availability and speed of response	out of 10
	My overall performance	out of 10

	Please tell me what you think about my service, what I could do better or how we could improve?

Feedback from Dean Windsor on 10 July 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
I don't really know what to write.
Keith you have been amazing over the last couple of months.
If it wasn't for you I would still be in a complete mess.
I can finally see a light at the end of the tunnel.
I don't want to write anything to cheesey because some people will think this could be a fake statement.
I gave you a rating 10 out of 10 for everthing and you deserve it.
When I first started the ball rolling with the IVA I was being lazy and couldn't be bothered with the whole thing.
I didn't reply to your E-mails calls etc but thankfully you didn't give up witch I am very gratefull for.
Once again thank you Keith and Thomas charles for all your help.
I would certainly recommend you to anyone.

Dean.

Feedback from Peter Bolger on 16 June 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
I really can't thank Keith enough for the work that he did for us. We had been told by another company that we would not be able to get an IVA.I feel that Keith worked extemely hard to get us the results that we needed. He was always on the end of the phone when we needed advice. He was always very approachable and his knowledge was vast. It really was a pleasure to deal with someone so understanding at a time when we felt we were at rock bottom. I would recommend Keith and Thomas Charles to anyone in a similar position.

Feedback from Tanya Kirkham on 04 June 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Keith immediately put me at ease about my situation. He was able to give me all my options as soon as he had all my circumstances. He was very clear, very friendly and easy to talk to. We decided that an IVA was the best option and his proposed figure was not far from what I am having to pay. In his absence - of which he informed me when he was taking holidays - his colleagues were so helpful when I had a moment of panic. I would highly recommend Thomas Charles, and would like to relay my thanks for everything they have done.

Feedback from Joy on 30 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Keith, you sound like a kind gentleman with a soft voice, kind manner, lots of sympathy considering the debts were so high. You didn't criticise me for getting into this mess (even though it was not spent on myself or luxuries).
You advised when you were away from the office so I wouldn't worry if I didn't get a response to an
e-mail query.
You advised me of all the outgoings that were allowed, many of which I had not considered but they all went towards monies allowed to me.
You suggested brankcruptcy as it would cost me less and be over sooner but accepted when I wanted to pay back the companies as much as I could afford and helped me produce the figures to support my proposal.

The only additional way you could help is to pay the debt for me but other than that - nothing at all!!!!

We won't 'meet' again so many thanks and keep up the good work with other unfortunate 'spenders'.

Thanks for your congratulation e-mail.

Regards

Feedback from colin hunter on 30 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Once I had made the initial call and spoke to Keith he lifted a great weight off my shoulders, a weight which had been there for some considerable time.
I was in deep financial trouble and Keith showed me the way out. The whole process took 3 months and all the calls and letters have stopped. I know it was my fault in the first place but without Thomas Charles and Keith Waite I dread to think where I would be now.
I would recommend Keith, and have, to anyone in financial trouble.
My IVA has now been approved and my wife and I can get on with living our lives once again.

Feedback from Colin STuckey on 30 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Keith has been absoloutely fantastic through the whole process, our case was not straight forward and we encountered many problems, but he did not give up on us and did everything he possibly could to help ensure that we got the best results for us in our circumstances, i cannot praise Keith highly enough for all the help and advice he gave us, and he was always available to contact at any time of the day or evening, with swift responses to answerphone messages or e-mails, he really did provide a fantastic service and i wouldnt hesitate to recomend him to anyone.

Feedback from Lynne on 28 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
I had huge debts that I could not afford to pay. I searched on the internet and then contacted Thomas Charles for some debt advice. Keith rang me back quickly and he was very easy to talk to. We talked about my money problems and Keith explained the different options to me. I found the whole process very easy and not too stressful. My IVA has now been accepted and I am so relived.
Many Thanks to Keith for all of his help and putting me on the road to a debt free future!

Feedback from John Smoleskis on 21 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
I was almost at my wits end. Worry, sleepless nights. I searched for IVA on the internet and found Thomas Charles.
Soon after entering my contact details, Keith emailed me with details. I was soon on the way.

Keith was helpful and understanding. Contact through email, phone and text was brilliant.

My IVA has been accepted and I am on my way to a debt free future.

Thank you Keith and all the staff at Thomas Charles.

Feedback from Chris Lane on 08 May 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	9 out of 10

	Speed of Response:	9 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Keith is a fantastic consultant, from day one he was patient, knowledgable, able to listen and readily available. Most important he was realistic, the value he suggested for my iva from day 1 is very close to what it is. Communication was excellent on email, phone and even text message which was greatly appreciated as at work i needed answers but could not take calls. I spent hours trawling the net to find assistance and whilst aprehensive to take the first step, i was fortunate to have chosen thomas charles. My life is now going in the right direction and i have money available for my needs. Excellent, proficient service, thank you keith, and the team that supports you.

Feedback from S R on 28 April 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Initially I was extremely ashamed of the situation i found myself in and nervous in making the steps moving forward towards resolving my financial affairs.

The service i recieved from Keith was both competant professional with a sympathetic view applied at all times.

Feedback from David Bonehill on 21 April 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
Hi Keith.

Thank you first of all for listening to me that means a great deal,you were able to reasure me that things will get better and my money worries could be sorted out by yourselves.it is nice to know that keith is there because after our phone call i feel as though the pressure has been lifted and this is the first day of a new life. I look forward to our further conversations. thank you Keith for your help and for beeing there.

Feedback from S and P on 19 April 2008:

Ratings:
	Communication:	10 out of 10

	Debt Expertise:	10 out of 10

	Speed of Response:	10 out of 10

	Overall Performance:	10 out of 10

Personal Message:
If you are visiting this site you must have a problem like we had. Please make that first important phone call. We did and it has changed our life immensely. Thomas Charles and especially Keith White will be completely impartial and non judgemental and will clarify your problem with expertise and understanding.

Feedback from Norman on 16 April 2008:

Ratings:
	Communication: