MAKE A FRESH START
AND REGAIN PEACE OF MIND
Thomas Charles will help
you with debt negotiation uk to:-
-
Control your
finances without borrowing more money
-
Reduce your monthly
payments to one affordable amount
-
Ensure you are not
repaying your debt for ever
-
Put a stop to
constant demands from payment from your creditors
-
Avoid
traditional methods of debt recovery such as County Court or Bankruptcy
-
Turn over a new leaf
to live your life free from the stress of debt
-
Please view our common
frequently asked questions below:-
Who Can
Thomas Charles Help? - Thomas Charles can help anyone with personal debts such
as credit cards, personal loans, catalogues, store cards and even the Inland
Revenue and VAT. Thomas Charles also works with small businesses and Limited
Companies to solve their debt problems.
Are there Other
People in My Position? - If you have a problem with debt, you are not
alone. There are tens of thousands of people in the UK today who are suffering
with serious debt. The problem is that it is often very difficult to solve the
situation yourself. Thomas Charles specialises in helping you put in place the
right solution.
Does it Matter
Who Is Owed Money? - Solutions can be found for Debts ranging from Credit
Cards and Personal Loans to Inland Revenue bills and trade creditors.
How much debt
can Thomas Charles deal with? - It doesn’t matter how much you owe, the staff
at Thomas Charles are always available to give friendly discreet advice. Thomas Charles
has provided solutions for people who owe a few thousand pounds up to those
who owe hundreds of thousands.
Will I have to
Borrow More? - No. Thomas Charles solutions are designed to stop you from
taking another unsecured loan. Further more, a Thomas Charles solution will leave
you with enough money each month to pay for all your household bills without
having to continually use credit cards in a “Robbing Peter to pay Paul”
scenario.
How Much will it
Cost? - Our initial consultation is free. Thomas Charles will, without
obligation, assess your situation and advise you of your options. Where
Thomas Charles is involved with the implementation of a solution, the charge for
this service will be based on what you can afford. With Thomas Charles, there are
no hidden charges. Fees for Thomas Charles Solutions are taken directly from your
monthly payments. This means that after working out with Thomas Charles what you
can realistically afford to repay your creditors each month, you will not have
to find additional money to pay a Thomas Charles fee.
Will This Effect
My Credit Rating? - Possibly. If you are in arrears with your
payments it is quite likely that your creditors have already recorded this
information into your credit history. However, when you successfully complete
the solution recommended by Thomas Charles, you will no longer have any debts.
How Long Is It
Going to Take? - On instruction, Thomas Charles will start to work on your
behalf straight away and if necessary, your creditors can be contacted
immediately.
Does My Employer
Have to Know? - In general, your employer will not have to be told of your
problem. However, there are certain circumstances (for example if you are a
member of the Police or Armed Forces) when it is prudent to let your employer
know of your situation and that you are solving it responsibly and
professionally.
Do All My Debts
Have to Be Included - This will depend on your personal circumstances and
the solution put in place. However, it is usually sensible to included all
your debts in any solution so that you do not have to worry about the debt you
left out “coming back to bite you” at a later stage.
What Effect will
this have on my House? - If you have a debt problem, this may also be
effecting your ability to keep up your mortgage payments. Thomas Charles will focus
on making sure that you are able to pay your mortgage and therefore are not at
risk of your house being repossessed. Very often, the cheapest and
fastest way to pay off your credit cards and unsecured loans is using some of
the equity in your house. Thomas Charles will discuss your options with you if you
have equity available in your home.
What happens if
I have County Court Judgments / Mortgage Arrears? -
Thomas Charles will review these circumstances with you and take them into
account in any solution proposed. If you have County Court Judgements, this
does not mean that you can not be helped or that your situation can not be
improved.
