Thomas Charles & Co Ltd
Discreet advice and solutions for people in serious debt
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FREE Debt Advice - call us on 0800 072 5988
 
   
  Thomas Charles & Co Ltd will work with you to put your debt solution in place.
Our trained advisers are available to give support, advice and guidance throughout the process of both selecting and implementing the debt solution which is right for you.
 
     
 
DEBT SOLUTION OPTIONS:
Individual Voluntary Arrangement (IVA)  
Individual Voluntary Arrangement (IVA)
Ideal for debts over £15000
Write off up to 70% of your debt
Government created scheme (as part of insolvency act)
Bankruptcy  
Bankruptcy
Write off up to 95% of your debt
Your credit rating will be badly affected
You will lose any valuable assets like a house or car
Remortgaging  
Remortgaging
Ideal for debts under £20000 where you have home equity
Release equity in your home to pay back secured and non secured loans
   
Debt Management Plan  
Debt Management Plan
Ideal for debts between £5,000 and £15,000
Relatively easy to set up but not very stable (easily terminated)
You will continue to be charged fees and interest by creditors
Loan Consolidation  
Loan Consolidation
Ideal for debts under £10000
Straight forward to set up
Does not impact your credit rating
 
     
  Once the most appropriate solution for your problem has been agreed, Thomas Charles & Co Ltd will help you put the solution in place.

The Thomas Charles Counsellor will advise you on any initial actions that you need to take. These might include the following:
 
 
 
- Completing a comprehensive and accurate Statement of Affairs
  - Gathering together any appropriate paperwork
  - Opening a new personal bank account if required
  - Writing to your creditors to explain to them what is happening
 
     
  The process of making arrangements with your creditors can then begin. The exact nature of this process will vary depending on the debt solution which is right for you. However, you can be sure that you will be asked to pay only what you can afford each month.  
     
  ALSO THOMAS CHARLES OFFER YOU:  
 
FREE DEBT HELP LEAFLET:
  The Thomas Charles & Co Ltd Information pack will clearly explain the different options open to you for dealing with a debt problem.
It outlines the circumstances when each solution is best used and gives information about the pros and cons of each. There is also useful guidance about what each different solution is likely to cost.
  Download our FREE debt help leaflet, it only takes two seconds
Free Leaflet Advice
 
   
 
DISCREET TELEPHONE ADVICE:
  If you want to have an informal discussion about your debt problem, then why not contact Thomas Charles immediately. You will be given the opportunity to have a discreet friendly conversation with one of our experienced debt counsellors. They will help you understand your situation and explain all of your options to you. If necessary, they will arrange for you to have a further face to face meeting to discuss your problem and possible solutions in more detail.
  Have an FREE informal chat with one of our Debt Counsellors
  Free Telephone Advice
 
   
 
FREE FACE TO FACE CONSULTATION:
  If you need to go into greater detail about your situation, you can arrange for a free visit by a Thomas Charles & Co Ltd debt counsellor. This can be at home or at an alternative convenient place agreed with you. This visit is free and will allow you and Thomas Charles & Co to fully understand your problem and discuss the best way to deal with it. Together with the Thomas Charles & Co Ltd you will be able to agree the best way forward and start to implement a plan to solve your debt problem.
  Have an FREE informal chat with one of our Debt Counsellors
  Free personal Meeting
 
     
  Debt Frequently Asked Questions.  
Recent Client Feedback:
 
Ian Allen, 10 May 2008:
When First being in contact with phillip hunt i was very impressed by him on how helpful he was to m ... more
Philip Hunt Philip Hunt rated:

Chris Lane, 08 May 2008:
Keith is a fantastic consultant, from day one he was patient, knowledgable, able to listen and readi ... more
Keith White Keith White rated:

john stokes, 01 May 2008:
The best thing we have ever done was to contact thomas charles. Julia's response was almost immediat ... more
Julia Simavi Julia Simavi rated:

C Smith, 30 April 2008:
We need more companies like you around, honest and straight to the point. Keep up the good work Juli ... more
Julia Simavi Julia Simavi rated:

Rebecca Jones, 29 April 2008:
I would like to thank Indra for the advice and reassurance thst she gave when I approached Thomas Ch ... more
Indra Weight Indra Weight rated:

P. Mills, 29 April 2008:
I would like to say a very big thank you to Indra. Thanks to her, my IVA was successful. She helped ... more
Indra Weight Indra Weight rated:

Clare Wright, 29 April 2008:
I was very embarressed to have to admit that I had got myself into this situation but I was put comp ... more
Indra Weight Indra Weight rated:

S R, 28 April 2008:
Initially I was extremely ashamed of the situation i found myself in and nervous in making the steps ... more
Keith White Keith White rated:

David Bonehill, 21 April 2008:
Hi Keith.

Thank you first of all for listening to me that means a great deal,you were able ... more
Keith White Keith White rated:

S and P, 19 April 2008:
If you are visiting this site you must have a problem like we had. Please make that first important ... more
Keith White Keith White rated:

 
 
 
 
 
 
 
About Us
 
 
 
Thomas Charles - Media Coverage
 
  1 in 5 has £10,000 debts
The Metro - 02 August 2007

 
  1 in 5 adults 'has debts worth more than £10,000'
The Daily Telegraph - 02 August 2007

 
Thomas Charles on BBC News   James Falla interviewed on BBC News 24
BBC News 24 - 05 July 2007

 
  Don't let debt drive you crazy
The Sun - 05 May 2007

 
Thomas Charles on BBC News   James Falla interviewed on BBC News 24
BBC News 24 - 2 Februrary 2007

 
  James Falla on ITV's "Moral of the story
ITV- 21 January 2007

 
  James Falla interviewed on Channel 5
Channel 5 News -
2 Februrary 2007

 
  James Falla BBC Lunchtime News interview (Video clip)
4 Jan 2007 - Lunch news

 
Thomas Charles on Thomas Charles on Independent.co.uk   Live now, pay later: record numbers opt for 'soft bankruptcy'
4 Nov 2006

 
Thomas Charles on BBC News   Sharp rise in use of IVAs to clear debt
4 Nov 2006

 
Thomas Charles on Times Online   More will go to the wall
3 Nov 2006

 
  James Falla BBC News2 interview (Video clip)
3 Nov 2006 - 6pm news

 
  James Falla BBC interview (Video clip)
3 Nov 2006 - 5pm news

 
Thomas Charles on Times Online   Houses at risk as rate of personal insolvency jumps
5 August 2006

 
Thomas Charles on Thomas Charles on Independent.co.uk   One million living in fear of going bust
4 August 2006

 
Thomas Charles on Eeducation.guardian.co.uk   First class
29 July, 2006

 

 

 

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