About Us - Our Philosophy - Thomas Charles and Co, Specialists in Debt Help and Advice

Discreet advice and solutions for people in serious debt

We are passionate about helping our clients out of debt. Over time we have realised that there are many reasons that people get into debt.
The unfortunate thing is that sometimes people don’t realise that help is at hand – there is a solution.
We can help you find the right solution for you but first you have to face the unknown and face your fears.

James Falla

The first step to solving your debt problem is to face the unknown and conquer the fear. We understand that facing your fears is a big challenge; we work with our clients to help them do this every day.
In order to get a better understanding of conquering fears we decided to challenge ourselves! We put ourselves on a ‘conquer your fear of heights’ course, which some of us were not happy about!
The day consisted of challenges ranging from rock climbing to abseiling. The final challenge was the ‘leap of faith’.

The leap of faith consists of climbing up a 30ft telegraph pole onto a small 1 foot platform mounted at the top. Once on this platform you jump off and catch a bar that is about 9 feet away. It sounds scary and it was! Not every one was successful but nearly everyone tried!

We hope that you take a leap of faith and work with us to conquer your debt fears.

Successful leap of faith:		Unsuccessful leap of faith:



Click here to watch the movie		Click here to watch the movie

Our Free Debt services:

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

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

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

Live now, pay later: record numbers opt for 'soft bankruptcy'
4 Nov 2006

Sharp rise in use of IVAs to clear debt
4 Nov 2006

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

Houses at risk as rate of personal insolvency jumps
5 August 2006

One million living in fear of going bust
4 August 2006

First class
29 July, 2006

Recent Client Feedback:

Dean Windsor, 10 July 2008:
I don't really know what to write.
Keith you have been amazing over the last couple of months.more

Keith White rated:

kay carter, 06 July 2008:
Rabina was really helpful and she made me feel confident with my decision and fully informed of all ... more

Rabina Begum rated:

pablo mendelssohn, 06 July 2008:
I think your service is fantastic! I was really confused on what to do with my finances and getting ... more

Indra Weight rated:

Richard Dixon, 04 July 2008:
Julia was very friendly & courteous, I could tell she knew her job and she treated me with the upmos ... more

Julia Simavi rated:

paul, 04 July 2008:
today my IVA was approved and the service from both thomas charles and wilson philips my IP was firs ... more

Jake Simons rated:

Alexis, 04 July 2008:
Jake was an absolute brick when it came to setting up my IVA. The initial steps I believe can be the ... more

Jake Simons rated:

claire byrne, 03 July 2008:
Hi

I FELT YOU WAS VERY HELPFUL AND MADE SURE I FELT I COULD CONTACT YOU AT ANYTIME. OVERALL ... more

Zeb Khan rated:

racahel walters, 02 July 2008:
a big thankyou just about sums up how great and helpful anne marie had ans still is being...everythi ... more

Ann Marie rated:

mr and mrs coffey, 01 July 2008:
we were very concerned about our debt we had and decided to look at an iva and found the company tho ... more

Indra Weight rated:

Genevieve White, 01 July 2008:
I don't know where to begin...nothing I could say would actually do Rabina any justice. The way Rab ... more

Rabina Begum rated: