Wednesday, April 17, 2024

Blogpost: Killed By My Debt

Killed By My Debt

Blogpost by Cllr Luke Spillman

‘Killed by my Debt’ is a BBC Three factual drama which tells the story of Jerome Rogers. Jerome, was a motorcycle courier who took his own life in March 2016 after a bailiff seized his motorcycle. It is a story which highlights how the escalating costs of enforcement action by a Public body can have the most tragic of consequences on the low paid.

In a world of zero hour contracts people are often living hand-to-mouth. Jerome had two traffic fines, of just £65 each, which he couldn’t pay. Jerome was 19 years old. He had very little life experience. He did what many people who can’t cope financially do. He put his head in the sand and didn’t tell anyone. He didn’t realise that there was help out there. Soon the accounts had been passed to a bailiff and Jerome’s debts spiralled out of control.

Like many in debt Jerome made the mistake of resorting to high interest lenders to try to clear his debt. This is a course of action that rarely provides any long term benefit and should be avoided. As a result his debts continued to spiral. In March 2016, a bailiff seized his vehicle and soon after Jerome killed himself.

Jerome’s death was entirely avoidable. He should still be with us. So why did it happen? A very young man, finding his way in life, made a few mistakes. He was trapped within an exploitative employment market which needs urgent reform. He was subject to a draconian enforcement system, which is used by councils up and down the country, including here in Thurrock. A system that does not distinguish between those who can’t pay, or simply can’t cope, and those who won’t pay.

I am delighted that the portfolio holder for finance in Thurrock, Cllr Shane Hebb, has called for a thorough review of how Thurrock Council collects its debts and how we can prevent residents from falling into debt in the first place. I look forward supporting this process in any way that I can.

I have been a long term critic of Thurrock’s debt recovery department, the conduct its officers and many of the bailiffs it has used to collect debt. I am not convinced that, if Jerome had been a Thurrock resident, the truly tragic consequences would have been any different. As a Council we need be certain that this can never happen in
Thurrock. We must make the changes necessary to ensure this.

To anyone in debt please remember that help is out there. The earlier that you seek help, the easier your issues will be to resolve. In 99.9% of cases specialist debt advice will help you realise that you are in control. Debt companies, collectors, bailiffs, and in some cases even Thurrock Council’s debt recovery department, exploit the worst fears of vulnerable people in order to recover money. Seeking specialist advice will take away these fears by giving you the facts.

If you’re debt please contact one of the following 100% free debt services:

National debt line – 0808 808 4000
www.nationaldebtline.org

Payplan – 0808 163 3415

Home

StepChange – 0800 138 1111
www.stepchange.org

If you are having problems dealing with Thurrock Council then feel free to contact the Office of Tim Aker MEP on 01375 415650 and book an appointment.

2 COMMENTS

  1. THURROCK COUNCIL is a major contributor to debt issues. They know the stunts they pull, sadly the debtor has very little options.

  2. One of the Problems as I see it is everyone is in a low paid. short term employment environment.
    The average job lasts 4 years 9 Months nowadays compared with the baby boombers generation who could of expected to work for the same company there entire working life.
    All the well paid, skilled jobs Engineering, Manufacturing were shipped abroad to places like India and China in the 1980’s thus just leaving us with the financial service sector which we will soon lose to the European Union and the retail industry.
    meaning we have gone from a nation of shopkeepers which Napoleon called us to a nation of retail assistants.

    Debt is a massive problem due to the above fundermental problem. It is not just our country but the US as well.
    The Majority now live pay cheque to pay cheque.

    We have been betrayed by the political classes. Both Blairs New Labour and the several Tory governments since and including Thatcher.
    The Neoliberal economic model. Has done what it was designed for to increase the wealth within the hands of fewer and fewer businesses/Individuals and the trikcle down effect Reagan said would happen naturally didnt happen.

    When I was young I was sold a lie I studied Business and Business Enterprise and have numerous qualifications from both sides of the Atlantic. We were also taught about the invisible hand of capitalism . In Adam Smiths book Wealth of Nations but never about the morality which is a large part of the book. the invisable hand passage is just in two places in the book.
    To me it is almost as if we have taken the less favorable parts of capitalism and ignored the more interesting parts of capitalism.
    With new business failure rates being at the following 50% of new businesses go bust within the first five years.
    90% of businesses go bust within the course of a business life say 30 years.
    This is not managable and not sustainable.

    Debt wil only get worse for people with the above.

    We need a new model.
    Not Capitalism which has failed the majority not socialism which has failed the majority.
    Something new or we will only see debt get worse.
    And What does our local MP do. line there pockets while in office and get a good job with a corporation they served for while in office after they leave as an MP.
    The system is fucking evil.

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