Debt collectors or bailiffs? What is the current landscape of debt recovery in England today? Winter 2022-23 has been one of the most controversial periods due to agents of British Gas forcefully putting prepayment meters in many vulnerable households amidst the cost of living crisis. It was a scandal that spotlighted fuel suppliers, their agents and their malpractice. At the exact time, inflation remains high, wages are low and state support systems for vulnerable communities have dwindled for over a decade. In Spring 2023, local councils raise council tax on average by 5%. For those deemed too poor to pay council tax, once welfare reform was introduced post-financial crisis, local and central governments aggressively searched for revenue from low-income households once their budgets had been reduced. Recovery agents are enormous for the private and public sectors searching for revenue. Many debt recoveries are being carried out by private companies. Yet, de...
Ripon Ray has worked in the debt advice sector for over 14 years. His work includes front-line advice & training, developing advice services, quality framework and working with regulators. He created template letters to develop confidence among those struggling with debts. He founded a series of podcasts to show the link between debt and other sectors by getting industry experts together.