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Discreet advice and solutions for people in serious debt
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Rabina Begum, Senior Debt Consultant
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Member of institute of credit management |
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Over 8 years of professional, in-depth and extensive experience gained through working for market leaders and FTSE 100 companies e.g. HSBC Bank, Public and Private sector organisations, Local and National Government(Scottish Water) |
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Areas of expertise are credit management, legal, financial, customer services and project management |
Excellent problem solving and solution finding skills.
Passionate about helping people through the work that I undertake.
Believe in exceeding client’s expectations and not just meeting them through effective communication.
Track record of dealing with difficult situations based on understanding, being focused and my own life experiences. |
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| Rabina Begum |
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Personal Statement from Rabina:
“If you’re reading this then you have already taken the first step which is the hardest in dealing with debt. Understand that you’re not alone by contacting Thomas Charles the market leader in this field. We offer professional practical help in the same manner as if it was a legal matter you would go and see the best solicitor available. Our approach is based on 1-2-1 confidential services through guiding, steering and supporting you on an end to end basis from the first point of contact. We recognize, understand the issues and work at assisting you to break the cycle of debt/borrowing through long term effective solutions tailored around understanding your individual circumstances and based on a non judgemental approach. This leads to peace of mind for you and your family. Giving you back the quality of life through regaining control, self empowerment. and direction in your life with out the worries of debt”.
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Feedback from kay carter on 06 July 2008:
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| Ratings: |
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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9 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Rabina was really helpful and she made me feel confident with my decision and fully informed of all the relevant facts. She was sympathetic and, despite the fact I had buried my head in the sand for so long, I never felt that she judged me in this way.
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Feedback from Genevieve White on 01 July 2008:
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| Ratings: |
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
I don't know where to begin...nothing I could say would actually do Rabina any justice. The way Rabina dealt with me was with compassion, empathy and honesty. I am so grateful for her advice and understanding. My husband got us into serious debt without me knowing and he owes his marriage being saved to the help I received from Rabina. Thank you so much for handing us back our life.
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Feedback from Gayle Francis on 24 June 2008:
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Communication: |
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9 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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9 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Going through the IVA process is a very daunting experience, we spoke to many companies but were confused by the jargon and the upfront fees. However, Rabina made us feel at ease, was completely non judgemental and very helpful every step of the way. Many thanks from the whole family!
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Feedback from DAVID WILSON on 21 May 2008:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Rabina was very helpful and very understanding in setting up my IVA,every step of the process was clearly explained.It was very reassuring to know that she was only a phone call away if needed, i can,t thank her enough in helping me through what was a very difficult period
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Feedback from Tracey Jenkinson on 13 March 2008:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
I found Rabina to be very understanding of the personal aspects of entering into an IVA, as well as the practical ones. She always returned my calls promptly, and was always ready to listen, and answer any questions I had. I found Rabina to be a very professional person, who seems to understand that as debtors we have no knowledge of the processes involved in entering into an IVA, and as such may require a little patience ans support. Thanks for all your help.
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Feedback from Adam Houghton on 13 February 2008:
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Communication: |
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9 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Great advice & professional manner despite the pair of us having colds!!! Managed the interview sneezing & coughing! The advice Rabina gave me was professional. She was friendly & courteous throughout. She answered all my questions courteously & made me feel at ease when dealing with the financial issues. To sum it up, a very pleasant, professional, courteous woman who is a credit to her Organization.
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Feedback from Sarah Willis on 14 January 2008:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
I was very happy with the way you dealt with my debt problem and gave me advice. I found you friendly and approachable and you gave me a lot of peace of mind during the process of setting up my IVA. Thanks to your advice and help in getting me an insolvency practitioner, my IVA is now in place, a huge weight is off my shoulders and I can see the light at the end of the tunnel. Thanks a million!
Sarah Willis
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Feedback from Tony Cole on 31 December 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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9 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
First rate
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Feedback from robin j w messingham on 14 December 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Hi Rabina sorry its been so long my mind on other things as i am sure you know. Just to say how pleasant its been knowing you all be it over the phone. Every thing has now been finalized to my most grateful satisfaction.
May i take this opportunity to thank you for all your help so very very much.
And to cap it all Rabina there is nothing you can do to improve your service just keep being yourself such a caring and understanding person with a terrific personality and always on the end of a phone for help
once again I thank you so very very much for all the help and advice you have given me over the past weeks.
My family and I would like to wish you and yours a very happy Christmas and a prosperous new year.
all the very best wishes Robin J W
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Feedback from mr and mrs cutting on 06 December 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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9 out of 10 |
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Speed of Response: |
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9 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Dear Rabina,
Thankyou for the patience and understanding of the emotional turmoli that comes with long term debt problems. You have a unique talent in being able to calm, reasure and support people through the process of bringing their debts under control. The fast, proffesionaL and efficent service was very people friendly, nothing was too much trouble, we really appreciate the time that was taken to ensure every step of the process was fully explained to us.
Excellent service i will definatly reccomend you to other people, thankyou once again and merry christmas.
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Feedback from Caroline Lynch on 26 November 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
It was nice to speak to a nice caring lady who didn't treat us as if we low life and scum and who actually treated us as individuals and understood and difficulties and didn't condescend us. We found Rabina gave us excellent advice and has certainly helped us in being able to move forward and sleep again at night. I don't think there is any way she could improve other than to just keep doing what she is doing and to continue having a caring nature
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Feedback from steve oliver on 20 November 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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10 out of 10 |
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Speed of Response: |
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10 out of 10 |
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Overall Performance: |
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10 out of 10 |
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Personal Message:
Rabina could not improve as her help an advice was exemplary. She was always available to take my calls, and has put me and my family back on track. thanks, it will mean I can sleep at night again.
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Feedback from Ben Penther on 15 November 2007:
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Communication: |
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10 out of 10 |
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Debt Expertise: |
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