I used to work in the arrears department of an energy company. Most of the time, my job involved taking calls from customers, but on occasion, field agents would call us to give updates or ask questions.
Field agents weren’t bailiffs; they were just staff we sent to try and speak to the customer in person, and if not, hand-deliver a letter. Sometimes debts weren’t paid because the customer had died or a new tenant had moved in, or sometimes they would find the property had been demolished and we hadn’t been informed. Field agents could also offer help, including going through income and expenditure forms to work out a payment plan.
One day, I got a call from one of our field agents. He had been a field agent for over twenty years. Before that, he had been a bailiff for the local county council. There wasn’t much that could rattle a man with that much experience. But that day, I could tell something was up. He sounded… upset.
He gave me a customer account number and asked me to put the customer on our reduced tariff: a price plan with extremely low unit and service charge prices specifically for vulnerable customers, such as the disabled or those on specific benefits.
As I went through the account, he explained what had happened.
[Field Agent] had visited the customer, where he discovered that she was living in abject poverty with an infant. They lived in one room of the house because it was all she could afford to heat, and even then, the room was bitterly cold. She looked gaunt and pale. Her cupboards were bare, and she only had one tin of baby formula. The baby didn’t have a crib and instead slept in a cardboard box on the floor. She had no furniture, only a mattress on the floor.
It turned out that while she was in the hospital giving birth, her husband had run off with his coworker who he had gotten pregnant. He had taken all the things they had bought for their baby to give to his mistress, including the crib, all the baby clothes, and all the toys.
To add insult to injury, he had also cleared out their bank accounts and left her with nothing. He never came to see the baby and never paid any child support. He didn’t even bring any food or gifts for his child.
This poor woman had been trying her best — even paying us a few pounds every week without fail. She didn’t have any family who could help her, either. Even her in-laws seemed uninterested and ignored her. It was just her and her baby.
[Field Agent] went through various forms with her as per his job, and then he shut himself in his van to cry.
He had seen it all; he had been attacked by customers (often with a weapon), had dogs set on him, and had even found a corpse at a few properties. But this… this broke him.
He gave the poor woman his lunch, which he said she ate like a starved animal. Then, he sat down with her for several hours and let her use his personal phone (she didn’t have one) to call various charities. He managed to put her in touch with an organisation that would help make sure she was on all the right benefits and would help her get legal aid to get child support from her scumbag husband.
I removed all the fees on the account and backdated the lower tariff as far back as I could.
At the end of his shift, [Field Agent] went back to the woman’s house and brought nappies (diapers), baby formula, and several bags of essential groceries, as well as a cheap mobile phone he had picked up so she could take calls from the various people helping her.
When he got home, he asked his family and friends if they had any baby clothes they were no longer using. He ended up with two black sacks full of baby clothes, as well as some toys, and his neighbour donated a buggy, all of which he delivered to the woman a few days later.
She later wrote us a letter expressing her gratitude and thanking [Field Agent] for all his help.
[Field Agent] would occasionally check in on the woman if he could. I would always ask him for an update when he stopped by the office to drop off paperwork. Last I heard, the woman had been moved to a council house which was much nicer than her musty, rundown home, and she had a court date for finally getting the child support payments she was owed.
Years later, I still wonder about that woman and her son and hope they’re doing well.