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Sophie Thomas
  • Sophie Thomas

  • Director and Joint Head of Commercial Litigation
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In her role, Sophie leads a team who provide a well-prepared and efficient service to a major high street bank and other lenders recovering both secured and unsecured business lending from companies and individuals throughout England and Wales. Other clients range from individuals and SMEs to regional and national banks and building societies.

Sophie also advises a number of fixed charge receivers across the UK in respect of their appointments, duties and recoveries and is an Associate Member of Nara, the Association of Property & Fixed Charge Receivers.

Sophie relishes the problem-solving aspect of her job and takes pride in achieving successful outcomes for happy clients. She is experienced at negotiating commercial settlements and will always have her client’s interests and priorities at the forefront of her mind. She is proactive and strives to develop and maintain good working relationships with her clients.

In the Legal 500, Sophie is described as a “leading light”. Her clients say that she is “never afraid to speak her mind”, “always has the facts of the case committed to memory” and is “willing to work to the tight timescales that are often required”.

Sophie’s other role at JCP is as the firm’s Training Principal. She is responsible for mentoring the firm’s trainee solicitors and supervising their training contracts. Sophie is also involved in the recruitment of the firm’s future trainee solicitors and enjoys representing the firm at careers events and workshops organised by local universities and the Junior Lawyers Division.

Sophie is a committee member of the Swansea & District Law Society and especially enjoys getting involved with the arranging of their social events like the annual Summer Supper.

Sophie joined the board of Swansea Building Society as a Non-Executive Director in January 2023 and was voted in at the AGM on 27 April 2023.

Sophie qualified as a Solicitor in 2009. Upon qualification, Sophie worked in the areas of Professional Negligence and Title Rectification. She has added Commercial Debt Recovery and Lender Recoveries to her specialisms since May 2011.

  • "Sophie Thomas [has] a particularly strong reputation advising fixed charge receivers seeking to realise value for banks on the mortgaged property."

    The Legal 500 2025
  • "Sophie Thomas has a no-nonsense approach which gets to the heart of any issues. Truly a credit to the team."

    The Legal 500 2020
  • "Sophie Thomas has a wealth of knowledge and experience in debt recovery matters. She is completely reliable, unflappable and has an excellent head for commercial strategy to achieve the right outcome."

    The Legal 500 2021
  • "Sophie Thomas is knowledgeable, engaging and exceptionally good at what she does. She has particular expertise at handling complex receiver cases and providing firm and pragmatic advice."

    The Legal 500 2021
  • "Thomas also has a particular niche representing lenders in the recovery of secured and unsecured debt…"

    The Legal 500 2022
  • "Sophie Thomas leads the team and there is no-one better in this field in South Wales or the South West. She is efficient but also thorough and provides an excellent service to clients."

    The Legal 500 2022
  • "Sophie Thomas is thorough, knowledgeable and commercially astute."

    The Legal 500 2022
  • "Sophie Thomas has a wealth of experience in finance litigation and always adopts a commercial and practical approach to her cases."

    The Legal 500 2023