Charles Tams

Charles works with Lothian Buses, one of our partner employers.

"I’ve been a member for 14 years now and would describe Capital as being like a good pal. The staff are brilliant, and you can pick up the phone to them at any time or drop in and see them.

I signed up through my employer and so many of us are members that it almost feels like they are part of the company.

Over the years I’ve had a number of loans from Capital, mostly for home improvements and the personal touch you get from them is very important. They can explain everything in full detail face-to-face and it means you know exactly where you stand and what your different options are.

It’s also very helpful that you save regularly and, even if it’s a small amount, it builds up. Getting into the habit of putting something away each month is so important."

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