The authors
Peter Madge worked in the debt team at Citizens Advice Specialist Support between 1990 and 2015. The team won the Institute of Money Advisers ‘Debt Team of the Year’ award in 2012. Between 1992 and 2006, he was editor of the Adviser magazine and was a regular contributor to the magazine until it ceased publication in print in 2019, and a member of the Adviser editorial board between 2016 and 2019. In 2010, he was elected an Honorary Fellow of the Institute of Money Advisers. Since leaving Citizens Advice, he has worked as a freelance debt advice consultant. He currently works for Recognising Excellence as technical expert to the Money and Pensions Service’s Debt Advice Peer Assessment Scheme.
John Kruse has worked as a debt adviser and trainer since the mid-1980s. He began to specialise in bailiff law in about 1988 and has since written around two dozen books on different aspects of the subject, the most significant being Taking Control of Goods in 2014. He was involved in the various working parties which drafted the reformed bailiff law introduced in 2014 and continues to seek improvements. John set up the Bailiff Studies Centre in 2010 as a basis for promoting best practice in enforcement law and he produces the ejournal Bailiff Studies Bulletin. He also trains and blogs on enforcement law.
David Malcolm is Head of Policy and Campaigns at the National Union of Students (NUS), where he has worked on student finance policy since 2003. He is author of CPAG’s Student Support and Benefits Handbook.
Katherine Rock is the Client Experience Manager at the Money Advice Trust. She has worked for the Money Advice Trust for 15 years with the majority of that time specialising in business debt advice.
Lynsey Dalton is a trainee solicitor at CPAG.