On Wednesday 27 October 1886 a man appeared in front of the alderman magistrate at the Mansion House Police Court to answer a summons. Mr B. A. Bird was a clerk employed by Messrs. Norman & Co. (Limited) of Queen Victoria Street.
The company either sold furniture or operated a loan scheme for those making hire purchases of large items. In July 1885 a City merchant named Gray (first initial ‘F’, possibly Frederick) had bought some furniture for £22 using the hire purchase service. He paid £3 deposit and agreed to make subsequent monthly payments of £1 until the whole sum was covered.
By June 1886 he had paid back £13 but had fallen into financial difficulty and fell into arrears. Anyone who has a mortgage or large credit card bills to service today will understand how this feels. By the 1880s debt was no longer something that was likely land you in debtor’s gaol but it still carried a stigma. In 1869 legislation restricted the amount of time one could be thrown in prison for debt to six weeks, and in 1883 the Bankruptcy Act further protected the person of those that couldn’t pay their debts.
Normans waited five months before they chose to recover the debt by other means. When no further payments were forthcoming they despatched Mr Bird and ‘some carmen’ [the Victorian equivalent of van drivers] to Gray’s business address.
There ‘they forcibly broke open the door, and removed the whole of the furniture in question, together with Mr Gray’s papers in the table-drawers, and a mat which did not belong to them’.
Regardless of whether they had a right to recover the debt or not Alderman deemed them to have acted unlawfully and excessively and sided with the complainant. He fined Bird £5 for the offence, and awarded £2 2s costs, plus an extra 5s 6d for the damage to the lock they broke as they entered.
I know that in my own family history there was a Frederick Gray who we believe worked as a clerk and settled in West London. The family originated from Cambridgeshire, from the small village of Maney in the heart of the fens, and at some point in the mid 1800s one of them chose to travel down to London to look for work. Was this ‘F. Gray’ a relative of mine? From this distance it is hard to say and, of course, it is highly unlikely – this man was a merchant not a humble clerk, and it is not an unusual surname after all. But for all that I feel a certain link to the past in this story a man who stood up to the bullying tactics of the debt collectors and won.
[from The Standard, Thursday, October 28, 1886]