Introduction  -  Thomas Charles are independent debt specialists (not a loan consolidation company). Their aim is to help you reduce and repay your Secured and Unsecured Debt in a sensible, affordable way without the need for an additional unsecured loan.    Thomas Charles provides discreet debt management program advice and solutions for both Personal Debt, Business Debt and Insolvency problems.

 

There are various different solutions for debt problems.... Thomas Charles offers a free confidential debt counselling service which will help you understand your verious options.  This will normally involve an initial telephone conversation. If appropriate, a Thomas Charles qualified adviser will make an appointment to visit you at home (or an alternative mutually convenient venue) to discuss your circumstances and options in greater depth. At this meeting, the Thomas Charles adviser will gain an understanding of your personal situation and advise on the solution which is right for you.   Simply complete the form on the left side of the screen for a confidential callback.

 

Who are Thomas Charles? - Thomas Charles & Co operates in the UK and is licensed under the Consumer Credit Act 1974 to provide advice and solutions for individuals and small businesses who have debt problems. Such debts may include Credit Cards, Unsecured Loans, Overdrafts, Store Cards, Catalogues, House Repossession, VAT, TAX and Trade Creditors.  Thomas Charles specialises in providing solutions which do not involve taking further unsecured loans.  Debt solutions range from Informal Debt Repayment Plans to more formal IVA solutions and possibly even Bankruptcy. Thomas Charles is able to help you understand the different debt solutions choose the most suitable for you.

 

Fees Payable - with Thomas Charles there are no hidden charges. Depending on the solution, fees may be charged. However, these will be discussed clearly with you. You can rest assured that any fees will be taken directly from the monthly payments you can afford. This means that after working out with the Thomas Charles adviser what you can realistically afford to repay each month, you will NOT have to find additional money for fees. 

 

Take Action Today - if you have a debt problem now or are anticipating one in the future, do not wait for the situation to get worse and the pressure from creditors to dominate your life. Contact Thomas Charles now. It is the first step to regaining control of your financial situation

 

Stop and Think - the biggest claim of most so called debt management organisations (loan companies) is to be able to reduce monthly payments to a single affordable amount. Such reductions are often possible, however, this is the only benefit. These agreements are not legally binding on your creditors and have significant disadvantages:- 

• Your total debt still has to be paid back. Therefore payment period is significantly increased often lasting 10 years+. 

• Creditors are under no legal obligation to freeze interest or late payment charges. Added interest will significantly increase your debt.  

• Creditors are under no legal obligation to stick to the agreement. They can ask for increased payments or add further interest at any time.