Charlotte grew up in a horsey family and made her way through the Pony Club ranks. Her first love was eventing, and she had posters of Mary King and Pippa Funnell on the walls of her childhood bedroom – her dream was to ride round Badminton and Burghley like her heroes. At her mum's insistence, she went to university in Newcastle rather than diving straight into an equestrian career, and spent those years to-ing and fro-ing so she could still ride and compete. Just days after handing in her final dissertation, she broke her back in a riding accident. After surgery and a long period of rehabilitation, she returned to riding and progressed up to what is now four-star level, alongside some point-to-point jockeying.
Three years after the first accident, Charlotte broke her back again in another fall – despite wearing a body protector. On her surgeon's advice, she stopped riding and got an office job, but found that being away from horses was taking its toll on her mental health. After four years, she could not longer stay away and found her way back into the saddle – before long, the competitive streak reemerged and she discovered para dressage. Her first international para dressage competition came in 2014, and two years later she was competing in the Nations Cup with KBIS Starchaser – an ex-eventer who had previously contested the FEI Eventing Nations Cup with Izzy Taylor.
Charlotte was the non-travelling reserve for the delayed Tokyo 2020 Paralympic Games with her other horse, LJT Simply Red, and was on the nominated entry list for the FEI Para Dressage World Championship in Herning in 2022.
She made her senior championship debut in 2023, when she partnered FJ Veyron at the FEI Para Dressage European Championship in Riesenbeck, Germany – they helped the British team to take bronze and achieved three personal best scores.
The pair were part of the nominated entry list for Paris 2024 – although they weren't selected, Charlotte still made it to the Games as part of ParalympicsGB's 'Paralympic Inspiration Programme', which aims to give potential future Paralympic athletes an experience of the Games environment.
Charlotte married her partner, Brian, in 2024. She still works as an accountant alongside her para dressage career and is trained by Ian Woodhead who's helped her since her eventing days.