Moments before Mrs English's video footage cuts out, a man is seen being swept away by a wave.
Mrs English, from Walton, said: "We don't know what happened to him.
"It's so frightening that something like this could happen so quickly without any warning."
Former stock controller Mr English, 52, had climbed on to a wall, but was up to his neck in water when his wife looked around.
When the water started to disperse, the couple had to jump down to the ground. Mrs English damaged her shoulder socket as she slid on the slime that had been washed up.
They were taken to the Brown's Beach hotel, which owned the bungalows, and Mrs English was treated by a doctor.
The grandmother of two said: "We were very lucky as we were due to fly out a couple of days later so we didn't have too much trouble getting home.
"I'm still in quite a lot of pain and a lot of our things were damaged, but that's nothing compared to what the people who live there have lost.
"Fishing villages have been wiped out, and the paddy fields and water supply have been contaminated. They have lost friends and family. It's awful to think what they must be going through."
After the couple returned home, they helped St Luke's Church in Walton, where Mrs English is a warden, raise £1,000 in a week for victims of the disaster.
And she has vowed to keep in touch with Christy, the 22-year-old house boy who saved her life.
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