Episode 3

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0:00:02 > 0:00:04- Meet the sheriffs. - Let's introduce ourselves.

0:00:04 > 0:00:07I'm a high court enforcement officer. We're here to execute a writ.

0:00:07 > 0:00:11They're the men whose job it is to get you your money back.

0:00:11 > 0:00:13It's an arrestable offence to stop me.

0:00:13 > 0:00:16- If you've been ripped off and don't know where to turn... - I'm not waiting any more.

0:00:16 > 0:00:20I'm ordered to seize goods to clear this debt, which means clearing this place out.

0:00:20 > 0:00:24..if you've been to court, but still not been paid what you're owed...

0:00:24 > 0:00:28Why don't you tell me who you are? This is an absolute crock!

0:00:28 > 0:00:32..the high court enforcement officers are charged by law

0:00:32 > 0:00:36- to recover what a court says is rightfully yours. - I've seized your car, sir.

0:00:36 > 0:00:39- Let us through the door or we'll go through the window. - Whoa, whoa, whoa, whoa, whoa!

0:00:39 > 0:00:43- It's time to call the sheriffs. - We've just collected 42 grand.

0:00:45 > 0:00:47Coming up...

0:00:47 > 0:00:53Ronnie Wright carried out £1,800 of electrical work for a builder who never paid him.

0:00:53 > 0:00:56If the work has been done and people are happy, I expect to be paid.

0:00:58 > 0:01:00The sheriffs go in search of his money.

0:01:00 > 0:01:02Hello?

0:01:02 > 0:01:05Marketing consultant Louisa Nightingale doesn't work for free.

0:01:05 > 0:01:08So, why didn't this college pay her for her work?

0:01:08 > 0:01:12You can't hire someone and you can't just not pay them!

0:01:12 > 0:01:14The sheriffs try to find out.

0:01:14 > 0:01:17Whether I kill off the business or not is irrelevant.

0:01:17 > 0:01:20I'm here to execute a writ on behalf of our claimant.

0:01:20 > 0:01:23And all doesn't go to plan

0:01:23 > 0:01:27when sheriffs Marc and Tony go off-road looking for a 4x4.

0:01:27 > 0:01:30That vehicle's going to be reported stolen.

0:01:35 > 0:01:40The latest person to need the help of the sheriffs is marketing consultant Louisa Nightingale,

0:01:40 > 0:01:43from the Docklands area of London.

0:01:43 > 0:01:46Her problem started when she left the company she was working for

0:01:46 > 0:01:49to go freelance.

0:01:53 > 0:01:58It was a big step for her to lose the safety net of a steady employer.

0:01:58 > 0:02:02When I decided to take the jump,

0:02:02 > 0:02:05I just told all my contacts that I was setting up.

0:02:05 > 0:02:07Everyone was like, "It's so brave."

0:02:07 > 0:02:09I've always wanted to do my own thing

0:02:09 > 0:02:12and try and make it on my own.

0:02:13 > 0:02:16Being self-employed, she takes it on trust

0:02:16 > 0:02:20that she'll get an honest day's pay for an honest day's work.

0:02:20 > 0:02:24That was certainly what she thought when, the day after turning freelance,

0:02:24 > 0:02:27she was approached for work by Jatinder Kaur

0:02:27 > 0:02:31of the College of Accountancy & Management Studies.

0:02:31 > 0:02:34They were looking for ways to get more students into the college.

0:02:34 > 0:02:37It was my first client. I was really excited.

0:02:37 > 0:02:40I went away and did loads of work for them.

0:02:40 > 0:02:44I thought of all these plans that we could draw up

0:02:44 > 0:02:48to help the college get more students in.

0:02:48 > 0:02:53I guess that's what freelance is. You never know when your next job is coming.

0:02:53 > 0:02:57You've got to be there to jump at the opportunities, haven't you? So I did.

0:02:57 > 0:03:00Louisa worked for the college for a month,

0:03:00 > 0:03:02putting in long hours and hard work.

0:03:02 > 0:03:05Then she submitted her first invoice to them.

0:03:05 > 0:03:08I sent it off but I didn't get a response.

0:03:08 > 0:03:11Normally, you would get a confirmation of receipt.

0:03:11 > 0:03:15So I called them up and they went, "Oh, yes, we did get it.

0:03:15 > 0:03:18"We're processing it." "OK! Great."

0:03:18 > 0:03:24So when the 14 days came and I hadn't received any money, I thought I'd chase them.

0:03:24 > 0:03:27They kept saying, "It's coming. Don't worry."

0:03:27 > 0:03:29Because I was a new client, new business,

0:03:29 > 0:03:35I didn't want to, you know, rock the apple cart, so I just thought, "I'll carry on."

0:03:35 > 0:03:38In the end, Louisa carried on for two more months,

0:03:38 > 0:03:41working for both the College of Accountancy & Management Studies

0:03:41 > 0:03:44and their sister business, Genius Tuition,

0:03:44 > 0:03:48still without getting a penny in payment.

0:03:48 > 0:03:52And then it got to the point where they started saying, "We don't have any money."

0:03:52 > 0:03:57So I just thought, "OK, this isn't good."

0:03:57 > 0:04:00I just thought, "How is this even possible?"

0:04:00 > 0:04:04You can't hire someone and you can't just not pay them!

0:04:04 > 0:04:08Erm... So that's when I started to think,

0:04:08 > 0:04:11"Right, OK, this might actually be a bit dodgy."

0:04:12 > 0:04:16At her wits' end, Louisa didn't know where to turn.

0:04:16 > 0:04:20Really, you can't make someone pay you.

0:04:20 > 0:04:23I'd done all the things - I had a contract,

0:04:23 > 0:04:27we'd signed everything, I did the invoices properly,

0:04:27 > 0:04:32I did late payment invoices, final reminders. There was nothing else I could do.

0:04:32 > 0:04:36I think they were hoping I would just forget about it.

0:04:36 > 0:04:41But I only had a handful of clients and not enough to live on, so I really needed the money.

0:04:41 > 0:04:44These are some of the invoices I sent to them.

0:04:44 > 0:04:46These are the final payment notices.

0:04:46 > 0:04:50It didn't do anything because they just ignored them.

0:04:50 > 0:04:54There's so many because I've had to issue them so many times!

0:04:54 > 0:04:55So a lot of work...

0:04:55 > 0:04:59The experience had a big impact on newly self-employed Louisa.

0:04:59 > 0:05:02After this whole experience,

0:05:02 > 0:05:06I really wasn't sure if I should carry on with the freelance work,

0:05:06 > 0:05:10because this could literally happen with every client that I had

0:05:10 > 0:05:13and I just thought, "I don't know if it's worth it."

0:05:13 > 0:05:18I felt like a bit of a mug that I had let them do that to me.

0:05:21 > 0:05:23Finally, Louisa got advice that her best option

0:05:23 > 0:05:27was to take the College of Accountancy & Management Studies

0:05:27 > 0:05:29and their sister business, Genius Tuition,

0:05:29 > 0:05:32to the small claims court.

0:05:32 > 0:05:34They didn't contest the case

0:05:34 > 0:05:37and the judge awarded in Louisa's favour.

0:05:37 > 0:05:39But still a month on, Louisa hasn't been paid.

0:05:39 > 0:05:43Her only option now lies with the sheriffs.

0:05:43 > 0:05:46I've got to have my fingers crossed I'll get at least some of it back,

0:05:46 > 0:05:50because even a few thousand, it's just so unjust.

0:05:50 > 0:05:55And all these months, I just want something to happen so that it has been worth it.

0:05:57 > 0:06:01Hoping to get Louisa her money back are Lawrence and Kev,

0:06:01 > 0:06:05fighting through traffic on their way to northwest London.

0:06:05 > 0:06:08Today, they're chasing two writs on Louisa's behalf

0:06:08 > 0:06:13from the two trading names that she worked for, both based at the college.

0:06:13 > 0:06:16We're in Hayes now,

0:06:16 > 0:06:18on our way to the next job.

0:06:18 > 0:06:23It's a bit strange. We've got two different debtors, one claimant and one address.

0:06:23 > 0:06:26One writ's for £6,200

0:06:26 > 0:06:29and the other one's for just under £3,000.

0:06:29 > 0:06:32And it's not too long before they find the address they're after.

0:06:32 > 0:06:35There it is - College of Accountancy & Management Studies.

0:06:35 > 0:06:37They park up and head in.

0:06:39 > 0:06:43The name's Mr Grix. I'm an enforcement officer. I'm here to execute a writ.

0:06:43 > 0:06:46What is it? Which company is it?

0:06:46 > 0:06:50College of Accountancy & Management Studies Ltd, and Genius Tuition.

0:06:50 > 0:06:52There's a CCJ against each company.

0:06:52 > 0:06:55We're here today to seize assets

0:06:55 > 0:06:57sufficient to clear that debt.

0:06:57 > 0:06:59The reception staff tell Lawrence

0:06:59 > 0:07:03that the college director is currently seeking a company voluntary arrangement,

0:07:03 > 0:07:05a form of insolvency.

0:07:05 > 0:07:08They think this should stop the enforcement.

0:07:08 > 0:07:13But unless the company is insolvent, it won't stop Lawrence and his writ.

0:07:13 > 0:07:15It doesn't mean anything to us at the moment.

0:07:15 > 0:07:21Just because she's got an insolvency practitioner involved two days ago

0:07:21 > 0:07:25to prepare a voluntary arrangement, that doesn't stop us enforcing today.

0:07:25 > 0:07:28It might not stop him enforcing,

0:07:28 > 0:07:31but a CVA does present Lawrence with problems.

0:07:31 > 0:07:35If a company is insolvent, they won't be able to pay him.

0:07:35 > 0:07:40His only option would be to seize goods - a laborious and expensive process.

0:07:40 > 0:07:45With that in mind, he sends Kev off to see what assets are on the site.

0:07:45 > 0:07:47Whether he seizes them or gets any payment,

0:07:47 > 0:07:50we'll find out later.

0:08:00 > 0:08:02Sheriffs can travel far and wide

0:08:02 > 0:08:06in search of the money people are owed.

0:08:06 > 0:08:12Today, Marc Newton and Tony Smith are crossing the border to help James Riley,

0:08:12 > 0:08:14who, after leaving his job at a building company,

0:08:14 > 0:08:20waited patiently for his final month's paycheck, which never arrived.

0:08:20 > 0:08:23We're off to Wales, to...

0:08:23 > 0:08:25er,

0:08:25 > 0:08:27Mid Glamorgan.

0:08:27 > 0:08:32The defendant's DTM Construction Ltd.

0:08:32 > 0:08:36James took legal action against DTM Construction.

0:08:36 > 0:08:39The company fought the case at an employment tribunal.

0:08:39 > 0:08:45But the judge agreed with James and ordered DTM to pay him the month's wages.

0:08:45 > 0:08:48He was awarded £3,500.

0:08:48 > 0:08:52But DTM Construction has still failed to pay.

0:08:53 > 0:08:58The sheriffs have been on this company's trail for a while.

0:08:58 > 0:09:03In August, Lawrence and Kev found assets, including several vehicles, at the business address,

0:09:03 > 0:09:05but no sign of its director.

0:09:06 > 0:09:08He's leaving that here.

0:09:08 > 0:09:09Yes.

0:09:09 > 0:09:12They carried out a full seizure,

0:09:12 > 0:09:14allowing the vehicles to remain on the premises,

0:09:14 > 0:09:18but now the property of the court on paper.

0:09:18 > 0:09:24They left the director a notice, explaining he had five days to prove they didn't belong to his company

0:09:24 > 0:09:27or the sheriffs would be back to remove them,

0:09:27 > 0:09:30to settle the money owed to James Riley.

0:09:35 > 0:09:39So today, Marc and Tony are going back to DTM Construction

0:09:39 > 0:09:42to finish what Lawrence and Kev started.

0:09:42 > 0:09:45And this time, there is someone around.

0:09:45 > 0:09:48Are you from DTM?

0:09:48 > 0:09:53- Who are you looking for? - DTM Construction Ltd. We've got a high court writ.

0:09:53 > 0:09:55It's the man they've come to see,

0:09:55 > 0:09:58the elusive company director Darrell Matthews.

0:09:59 > 0:10:03Since Lawrence and Kev's visit, the sheriffs have received paperwork from him

0:10:03 > 0:10:08he claims proves none of the vehicles they seized belong to his company.

0:10:08 > 0:10:10It's a story he's sticking to.

0:10:10 > 0:10:13It has got no assets at all, DTM.

0:10:13 > 0:10:15Well, it's got some, hasn't it?

0:10:15 > 0:10:17- It hasn't got any. - It's got a vehicle.

0:10:17 > 0:10:23But the sheriffs ran their own DVLA checks on the seized vehicles and found something different.

0:10:23 > 0:10:26There's one vehicle Lawrence previously seized

0:10:26 > 0:10:30that's still registered to the company - a Toyota Hilux.

0:10:30 > 0:10:34But it doesn't appear to be on the property any more.

0:10:34 > 0:10:36Marc demands to see this vehicle's logbook

0:10:36 > 0:10:39and calls Lawrence to discuss his next move.

0:10:39 > 0:10:44He's saying DTM's gone. There's no DTM. It has nothing.

0:10:44 > 0:10:46Right. And there's stuff up there.

0:10:46 > 0:10:52All right, I'll have a look around and say, "We're going to start looking at stuff."

0:10:52 > 0:10:57Moments later, Darrell Matthews produces the Toyota's logbook

0:10:57 > 0:11:00and immediately Tony notices something.

0:11:00 > 0:11:02The vehicle is registered in the name of a new owner,

0:11:02 > 0:11:09but the date this log was issued suggests Mr Matthews sold it after the sheriffs seized it.

0:11:09 > 0:11:12That's because he must've had stuff at the time.

0:11:12 > 0:11:16- He's changed them over. But they're not here, anyway.- No.

0:11:16 > 0:11:18It's still active now.

0:11:18 > 0:11:23It's illegal to sell or move any vehicle seized by a high court sheriff.

0:11:23 > 0:11:26Marc wants answers from Mr Matthews.

0:11:26 > 0:11:29- Our guy came here on the 8th August and listed the vehicle.- Yes.

0:11:29 > 0:11:32This logbook was printed on the 14th of September.

0:11:32 > 0:11:36This can't be changed. Once it's seized, it's seized. It's no longer your property.

0:11:36 > 0:11:41Mr Matthews maintains the vehicle was sold to his partner in June,

0:11:41 > 0:11:43well before the sheriffs' visit.

0:11:43 > 0:11:47But the dates on the paperwork he sent through

0:11:47 > 0:11:49don't match the official DVLA records

0:11:49 > 0:11:53of when the vehicle was transferred into the new name.

0:11:53 > 0:11:55Marc thinks he knows why.

0:11:55 > 0:11:58It was seized prior to it being changed.

0:11:58 > 0:12:02If it states it was in your name in June...

0:12:02 > 0:12:08It doesn't state it was in our name in June. It was in our name from the 14th September, 2012.

0:12:08 > 0:12:10That's when it states.

0:12:10 > 0:12:14Well, I disagree with it.

0:12:14 > 0:12:18- You can disagree, but it's there, from the DVLA.- I disagree.

0:12:18 > 0:12:22- It's there. The date's quite clearly there, isn't it?- OK.

0:12:22 > 0:12:25Marc isn't buying Mr Matthews' story.

0:12:25 > 0:12:29He thinks he's broken the law and sold a seized vehicle,

0:12:29 > 0:12:30which should rightly be removed

0:12:30 > 0:12:35and sold to pay off the debt owed to disgruntled former employee James Riley.

0:12:35 > 0:12:38You need to show me where the money was transferred to.

0:12:38 > 0:12:42- I'll show you.- OK.- I can't show you at the moment. Give me time.

0:12:42 > 0:12:44No. You've had time,

0:12:44 > 0:12:47because you've had since the 8th of August!

0:12:47 > 0:12:51With Darrell Matthews unable to prove he sold the Toyota before it was seized,

0:12:51 > 0:12:55it remains the property of the court, on paper.

0:12:55 > 0:12:59The sheriffs know if they can find the vehicle, they can tow it away

0:12:59 > 0:13:02and sell it to settle the debt.

0:13:03 > 0:13:07- None of these are on here, mate. Oh, that is.- Huh?- That is.

0:13:07 > 0:13:11But that's not... That's not in his name.

0:13:11 > 0:13:14- There's only that Hilux. - Which ain't here.- Which ain't here.

0:13:14 > 0:13:16Right.

0:13:16 > 0:13:18They still can't find the Toyota.

0:13:18 > 0:13:23None of the other vehicles are registered to DTM and so can't be seized.

0:13:23 > 0:13:26It's now time to widen this search.

0:13:29 > 0:13:34Unfortunately, wellies aren't part of a sheriff's normal attire.

0:13:34 > 0:13:37Bit muddy here!

0:13:40 > 0:13:43There's a gym in here!

0:13:44 > 0:13:47Not a bad little gym, is it?

0:13:47 > 0:13:51Having your own gym doesn't suggest a lack of money.

0:13:51 > 0:13:54But there's still no sign of the crucial Toyota.

0:13:54 > 0:13:57A frustrated Marc calls Lawrence again

0:13:57 > 0:14:01to tell him the vehicle he previously seized has vanished.

0:14:01 > 0:14:04I'll tell him that we'll report that.

0:14:04 > 0:14:07I said, "You had no right to sell that on at that stage

0:14:07 > 0:14:10"because it wasn't your property."

0:14:10 > 0:14:12That's what I'll tell him.

0:14:13 > 0:14:15Theft of it, yes.

0:14:15 > 0:14:18If it was here, I'd be clamping it up.

0:14:18 > 0:14:21See you, mate. Bye-bye.

0:14:22 > 0:14:26Marc wants Mr Matthews to know how serious this has now become.

0:14:26 > 0:14:29That vehicle's going to be reported stolen.

0:14:29 > 0:14:32It'll go onto the ANPR database for the police as a stolen vehicle.

0:14:32 > 0:14:38Preventing a person getting the money they're rightfully owed by breaking a court order

0:14:38 > 0:14:42isn't something the sheriffs take lying down.

0:14:42 > 0:14:47If Marc's right, the case has now changed from a civil to a criminal matter.

0:14:47 > 0:14:52- All right. Cheers. Thank you. - I hope things pick up.

0:14:52 > 0:14:55Let's cut to the chase. He's got the money to pay

0:14:55 > 0:14:57and he obviously doesn't want to pay.

0:14:57 > 0:15:00We can't find assets that belong to that company,

0:15:00 > 0:15:03and, er, as long as we can't find assets,

0:15:03 > 0:15:06there's not a lot we can do.

0:15:06 > 0:15:09Over a month on from their visit,

0:15:09 > 0:15:14the ownership of the missing Toyota is still being disputed by Darrell Matthews.

0:15:14 > 0:15:19The car has now been declared off-road, its location still unknown.

0:15:19 > 0:15:24Until it is found, Mr Riley will have to wait for the money a court awarded him.

0:15:31 > 0:15:32Back in north London,

0:15:32 > 0:15:37Lawrence and Kev are still at the College of Accountancy & Management Studies,

0:15:37 > 0:15:43trying to get over £9,000 on behalf of marketing consultant Louisa Nightingale.

0:15:43 > 0:15:47She carried out work for the college but was never paid.

0:15:47 > 0:15:50Our job is to seize assets and that's what we're here to do.

0:15:50 > 0:15:54With the college so far not producing any payment,

0:15:54 > 0:15:56Kev's looking for assets to list and seize on paper

0:15:56 > 0:16:02which, if push came to shove, he could remove and sell to pay off the debt.

0:16:02 > 0:16:07They haven't got very much stuff. Nothing of any value, really.

0:16:08 > 0:16:13Kev's not finding much of value. But one item does catch his eye -

0:16:13 > 0:16:16a full set of the Encyclopaedia Britannica.

0:16:16 > 0:16:20I don't know what they are, but I imagine a full set are quite desirable.

0:16:20 > 0:16:23I imagine they're more than any of the computers.

0:16:23 > 0:16:29Second-hand computers are worth next to nothing at auction.

0:16:29 > 0:16:32Lawrence is equally pleased at protege Kev's find.

0:16:32 > 0:16:35- That's a good little spot.- Excellent.

0:16:35 > 0:16:39They're whole editions, one to 25 or something.

0:16:39 > 0:16:43The only knowledge Lawrence seeks is how much it's worth.

0:16:43 > 0:16:45He hot-foots it to eBay to find out.

0:16:45 > 0:16:47There's loads of them on here.

0:16:47 > 0:16:511984 complete set, £700.

0:16:51 > 0:16:54It is a full set, as well, because it's giving 25 as a full set.

0:16:54 > 0:16:571994 - £318.

0:16:59 > 0:17:03Soon after, a consultant for the college arrives to talk to Lawrence.

0:17:03 > 0:17:06He says they're planning on challenging the court award,

0:17:06 > 0:17:09which should prevent Lawrence seizing goods.

0:17:09 > 0:17:12I believe there is a, erm,

0:17:12 > 0:17:15defence being put through, as well,

0:17:15 > 0:17:18that you can't take anything away without anything, er...

0:17:18 > 0:17:22We can if we believe the goods are in jeopardy, erm,

0:17:22 > 0:17:24which, to be fair, I do.

0:17:24 > 0:17:28Two days ago, wheels have been put in motion for a CVA.

0:17:28 > 0:17:30So basically,

0:17:30 > 0:17:36the company is trying to get out of the majority of its debts, by the sound of it.

0:17:36 > 0:17:40The man says the college is hoping to get accreditation from the local council,

0:17:40 > 0:17:42which would enable them to get funding

0:17:42 > 0:17:44to pay off all their creditors.

0:17:44 > 0:17:48Because of this, he says the sheriffs should hold off their enforcement.

0:17:48 > 0:17:50Lawrence disagrees.

0:17:50 > 0:17:54That's something that is, as it were, in the pipeline.

0:17:54 > 0:17:56It doesn't prevent us enforcing today.

0:17:56 > 0:17:59The bottom line is, it needs paying. It should've been paid before now.

0:17:59 > 0:18:04It's got to the stage where CCJs have been issued and not paid.

0:18:04 > 0:18:09The college's solicitor is brought in to discuss the situation with Lawrence on the phone.

0:18:09 > 0:18:13He warns that enforcing payment might mean the end for the company.

0:18:13 > 0:18:15But with a live writ,

0:18:15 > 0:18:18it's not something that will stop Lawrence.

0:18:18 > 0:18:20Whether I kill off the business is irrelevant.

0:18:20 > 0:18:23I'm here to execute a writ on behalf of our claimant.

0:18:23 > 0:18:27If that kills the business off, then so be it. That's not my responsibility.

0:18:27 > 0:18:31It's the responsibility of the directors of the business.

0:18:31 > 0:18:36My belief is, the only way to satisfy this writ is to remove the goods today

0:18:36 > 0:18:37unless payment is received in full,

0:18:37 > 0:18:40and that is the route I'll be going down.

0:18:40 > 0:18:43Dissatisfied with what the college has told him so far,

0:18:43 > 0:18:47Lawrence is getting worried they're not going to pay up.

0:18:47 > 0:18:51So, has the college got funds to settle certainly one of these today,

0:18:51 > 0:18:55the one in the name of the limited company, College of Accountancy & Management Studies Ltd?

0:18:55 > 0:18:59Is there sufficient funds - £6,212.26 - to clear this today?

0:18:59 > 0:19:01Right. Then, we'll be removing goods.

0:19:01 > 0:19:06Having been at the college for nearly an hour and getting increasingly frustrated,

0:19:06 > 0:19:08Lawrence decides to up the ante

0:19:08 > 0:19:11in the hope that it might provoke the college into paying up.

0:19:11 > 0:19:16He calls in the removal truck, or rather removal trucks.

0:19:16 > 0:19:19Can you tell Kathy I need her, erm...

0:19:19 > 0:19:22We're going to need a few 7.5 tonners, aren't we?

0:19:22 > 0:19:26Erm, at least four 7.5 tonners.

0:19:26 > 0:19:32And the four trucks seem to be helping to grease the wheels towards payment.

0:19:32 > 0:19:34Back again.

0:19:34 > 0:19:36I just had a call from the accountant.

0:19:36 > 0:19:40- Yeah.- They're trying to raise something and they'll get back to you in a few minutes.

0:19:40 > 0:19:44- OK.- Trying to raise something? Funds?

0:19:44 > 0:19:48The signs are that at least one of the named companies is going to pay up.

0:19:48 > 0:19:52But Lawrence wants to keep the pressure up until the money's in his hands.

0:19:52 > 0:19:57Have you managed to, erm, find four trucks?

0:19:59 > 0:20:01Good, good.

0:20:01 > 0:20:04Good, good. Let me know how long they'll be.

0:20:04 > 0:20:07- Are we getting full payment on this or...?- Yes.

0:20:07 > 0:20:13Right. Just hold off on the trucks for 15 minutes or so,

0:20:13 > 0:20:16because we might be getting full payment.

0:20:16 > 0:20:21Lawrence's generous 15-minute offer gives him time to check back in with the office.

0:20:21 > 0:20:27He wants them to let him know as soon as the money's transferred. But there's a problem.

0:20:27 > 0:20:31I just need to check a payment, so Sophe or Bev or somebody, please?

0:20:31 > 0:20:34What about Frankie?

0:20:34 > 0:20:37Oh, God! What about... Is Dave in?

0:20:37 > 0:20:39To Lawrence's frustration...

0:20:39 > 0:20:41You're having a laugh!

0:20:41 > 0:20:44..the office is out to lunch.

0:20:44 > 0:20:46- No-one?- No.

0:20:46 > 0:20:48Mike's on holiday, Dave's not in,

0:20:48 > 0:20:53Bev's on holiday, Frankie's at lunch, Sophie's not in today.

0:20:53 > 0:20:58Finally, 20 minutes later, someone's back in the office to check on the payment.

0:20:58 > 0:21:03All right. Cheers, Frankie. Bye.

0:21:03 > 0:21:05Yes, they're all in the account.

0:21:05 > 0:21:08It's a sparkling result for Lawrence.

0:21:08 > 0:21:10I'll do you a receipt.

0:21:10 > 0:21:14Of the two court orders, he's collected payment in full for the main one

0:21:14 > 0:21:19and seized goods on paper with a view to collecting the second at a later date.

0:21:19 > 0:21:23We eventually collected full payment on one of the cases. It was the larger one.

0:21:23 > 0:21:26Genius Tuition is still outstanding.

0:21:26 > 0:21:28We weren't going to get that out of them today.

0:21:29 > 0:21:32A successful afternoon's work for the sheriffs

0:21:32 > 0:21:36and, more importantly, for Louisa Nightingale.

0:21:36 > 0:21:41While the second writ against Genius Tuition is still being disputed in the courts,

0:21:41 > 0:21:47she's got the money she was owed by the College of Accountancy & Management Studies in full.

0:21:47 > 0:21:50She's come with her sister to celebrate.

0:21:50 > 0:21:52I did expect it to be quite hard for them

0:21:52 > 0:21:57because I wasn't sure what assets they actually had, or if they would pay there and then.

0:21:57 > 0:22:01Really massive weight off my shoulders. I can't believe it. I'm so happy.

0:22:01 > 0:22:04All this hard work's been worth it. It's just great news.

0:22:04 > 0:22:08- So cheers!- Cheers. - Cheers to the money!

0:22:10 > 0:22:13I'm an enforcement officer. I've got a high court writ.

0:22:13 > 0:22:16Would you like to send somebody down to speak to me?

0:22:16 > 0:22:21Sheriffs are one of the oldest law-enforcement offices in Britain, dating back to Saxon times.

0:22:21 > 0:22:24But they've come a long way since then.

0:22:24 > 0:22:27They can now enforce wherever and whenever they want...

0:22:27 > 0:22:30We've seized every vehicle on here.

0:22:30 > 0:22:33..to get people back money that's rightfully theirs.

0:22:33 > 0:22:38We are here today to collect £20,741 and a penny.

0:22:38 > 0:22:41Their fees are added to the debtor's bills,

0:22:41 > 0:22:44so if they're successful, there's no more for the client to pay.

0:22:44 > 0:22:45Thank you.

0:22:45 > 0:22:49If they're unsuccessful, the only cost is a £60 admin fee.

0:22:49 > 0:22:52They'll accept debit cards, credit cards, bank transfers

0:22:52 > 0:22:55and cold, hard cash.

0:22:55 > 0:22:58But it must be cleared funds, so they don't take cheques.

0:22:58 > 0:23:01- You won't take a cheque, will you? - No.

0:23:01 > 0:23:04We cannot leave until that money hits our bank account.

0:23:16 > 0:23:19About to wrestle with the thorny issue of payment methods once again

0:23:19 > 0:23:23are sheriffs Darryl Oreton and Mark Povey.

0:23:23 > 0:23:29They're on their way to Stoke to try and help someone else get back what's rightfully theirs.

0:23:29 > 0:23:34The defendant is from AG Plant Hire Ltd.

0:23:34 > 0:23:37The claimant is a colleague.

0:23:37 > 0:23:41A wall at the home of Colin, who doesn't want us to use his full name,

0:23:41 > 0:23:43was damaged by one of AG Plant Hire's vehicles,

0:23:43 > 0:23:47which was mistakenly driven down the narrow road where he lives.

0:23:47 > 0:23:51Colin took legal action, AG Plant Hire didn't contest it.

0:23:51 > 0:23:56Despite a court ordering the company to pay him £1,018.76,

0:23:56 > 0:23:59he's not received anything.

0:23:59 > 0:24:03So Darryl and Mark arrive at AG Plant Hire's headquarters,

0:24:03 > 0:24:06determined to get Colin what he's owed.

0:24:10 > 0:24:16It's out of the van and inside for the sheriffs.

0:24:16 > 0:24:21- I'm looking for a Mr Gimbert. - Mr Gimbert?- Yes. - He's not here at the minute.

0:24:21 > 0:24:24- I could tell you who could help you. - Who?

0:24:24 > 0:24:27- The girls in the office. - Is that through there?

0:24:27 > 0:24:29Cheers.

0:24:29 > 0:24:31- Hiya.- Hiya.

0:24:31 > 0:24:35We're enforcement officers from the high court, here to see Mr Gimbert.

0:24:35 > 0:24:39I've got a high court writ to execute against Mr Gimbert.

0:24:39 > 0:24:42- You'll have to bear with me. - That's fine.

0:24:42 > 0:24:47- Wait in reception.- Yes, no worries.

0:24:47 > 0:24:50While the office worker tries to get in touch with Mr Gimbert,

0:24:50 > 0:24:55Darryl and Mark size up anything they might be able to seize.

0:24:55 > 0:24:58Soon after, Mr Gimbert comes on the phone for Darryl.

0:24:58 > 0:25:04He says the legal case is ongoing and he therefore shouldn't have to pay the money.

0:25:04 > 0:25:07But Darryl's not there to be convinced.

0:25:07 > 0:25:10He's got a writ, and the director's legal action

0:25:10 > 0:25:12won't stop him getting Colin the money he's owed.

0:25:12 > 0:25:18The problem is now, he's gone through the county courts and he's won his case.

0:25:18 > 0:25:20Now it's gone through the high court.

0:25:20 > 0:25:24Our job is to collect full payment or to seize goods to the value of.

0:25:24 > 0:25:29As far as we're concerned, we've got a live writ. It needs to be paid now, sir.

0:25:29 > 0:25:32I can appreciate your situation

0:25:32 > 0:25:36but, as I said, my hands are tied. I need full payment now.

0:25:36 > 0:25:39Understanding Darryl's situation,

0:25:39 > 0:25:42Mr Gimbert accepts he's got to make a payment.

0:25:42 > 0:25:44He asks to pay by cheque.

0:25:44 > 0:25:48I can't accept a cheque. If I could, I would, but I can't.

0:25:48 > 0:25:53No, I'm not being awkward. It's just our office's procedure.

0:25:53 > 0:25:56The director says he'll try and pay by card.

0:25:56 > 0:26:01He goes to try and find some funds and says he'll ring Darryl back.

0:26:01 > 0:26:0415 minutes later, things are looking good for Darryl.

0:26:04 > 0:26:06The company boss rings back to say he's happy to pay.

0:26:06 > 0:26:11The only problem is, he wants to do it by card, over the phone.

0:26:11 > 0:26:15Darryl needs to have the card to physically put in his machine

0:26:15 > 0:26:20and someone to put in the PIN to go with it.

0:26:22 > 0:26:26Despite his displeasure, the owner finally calls back

0:26:26 > 0:26:29with a PIN for a card that's in the office.

0:26:29 > 0:26:32- The only problem is...- It's blocked.

0:26:32 > 0:26:34It's blocked.

0:26:34 > 0:26:38..it's not exactly what Mr Gimbert wanted to hear.

0:26:39 > 0:26:42I daren't ask what he said!

0:26:42 > 0:26:47The director finally agrees to do the online transfer.

0:26:47 > 0:26:51Darryl gets back in touch with his office to confirm whether it's gone through.

0:26:51 > 0:26:55Can you check on a payment for me, please?

0:26:56 > 0:26:57Thank you.

0:26:57 > 0:26:59And...

0:26:59 > 0:27:02the payment's gone through.

0:27:03 > 0:27:07Job done for Darryl and Mark.

0:27:07 > 0:27:10All paid. He wasn't very happy.

0:27:10 > 0:27:13We had a few differences over the method of payment.

0:27:13 > 0:27:16Obviously, we can't accept payment over the phone

0:27:16 > 0:27:20so he was having a bit of a moan, but eventually we got it paid via an online transfer.

0:27:20 > 0:27:23So all done. Balance nil.

0:27:23 > 0:27:25It's a great result for Darryl

0:27:25 > 0:27:27and, more importantly, for Colin,

0:27:27 > 0:27:33meaning he'll finally get the money a court says is rightfully his.

0:27:33 > 0:27:35AG Plant Hire told us...

0:27:39 > 0:27:40They added...

0:27:51 > 0:27:54It's 7am on the Norfolk coast.

0:27:54 > 0:27:58Sheriffs Lawrence and Kev are on their way to settle a case

0:27:58 > 0:28:02brought to court after a disgruntled electrician saw this programme.

0:28:02 > 0:28:06Lawrence and Kev have already been up for four hours

0:28:06 > 0:28:08and have driven 130 miles.

0:28:08 > 0:28:12I don't like early starts. I don't like it.

0:28:12 > 0:28:18We're looking for a gentleman by the name of Martin Tayt, from HMH Maintenance Ltd.

0:28:18 > 0:28:20The writ's got his name on it, so we're going to his address

0:28:20 > 0:28:23and we'll see what we find when we get there.

0:28:28 > 0:28:30The person they're crossing the country to help

0:28:30 > 0:28:33is electrical engineer Ronnie Wright.

0:28:33 > 0:28:37Ronnie has been running his own business for over 40 years,

0:28:37 > 0:28:41and at the age of 73 it's still a job he loves.

0:28:41 > 0:28:44I still enjoy the work I'm doing,

0:28:44 > 0:28:47although my wife keeps pressuring me to stop and retire.

0:28:47 > 0:28:53But I think if I retire I don't know where I'd be going to, so I still carry on working.

0:28:53 > 0:28:57It's just myself and young Adam, my electrician,

0:28:57 > 0:28:59who's been with me for 28 years.

0:29:02 > 0:29:06But Ronnie came to regret taking on one particular job for a local Norfolk builder

0:29:06 > 0:29:09that's left him stressed, out of pocket

0:29:09 > 0:29:12and forced into legal action.

0:29:12 > 0:29:16I felt let down because, erm, we'd done a good job for him,

0:29:16 > 0:29:19we'd done it in time and we worked well with him,

0:29:19 > 0:29:21we had no problems in working with them.

0:29:21 > 0:29:24So if the work has been done and people are happy,

0:29:24 > 0:29:26I expect to be paid.

0:29:33 > 0:29:35Ronnie's troubles began when the builder,

0:29:35 > 0:29:39Martin Tayt of HMH Maintenance Ltd, got in touch

0:29:39 > 0:29:44needing some electrical work done in two office units he was refurbishing.

0:29:44 > 0:29:46I felt he was a good contractor.

0:29:46 > 0:29:50I gave him a quotation to do the work, which he accepted.

0:29:50 > 0:29:52He did ask me if I could reduce the cost

0:29:52 > 0:29:56and I said, "No, my prices would have to stand,"

0:29:56 > 0:29:58so he accepted my quotation.

0:29:58 > 0:30:00With the price agreed,

0:30:00 > 0:30:05Ronnie and Adam worked hard for six long days,

0:30:05 > 0:30:07completing the job to their usual high standards.

0:30:07 > 0:30:09Basically, putting light fittings,

0:30:09 > 0:30:12recess light fittings in the ceilings,

0:30:12 > 0:30:15wiring them in and wiring in sockets,

0:30:15 > 0:30:18moving sockets, putting new sockets in

0:30:18 > 0:30:23and also IT equipment from the ceiling to the floor.

0:30:23 > 0:30:25These were all installed by us.

0:30:25 > 0:30:30With the job finished, bowls enthusiast Ronnie invoiced Martin Tayt

0:30:30 > 0:30:34for the £1,800 he'd agreed to pay for the work.

0:30:34 > 0:30:36That's where the problem started.

0:30:36 > 0:30:39At this point, the builder seemed to vanish.

0:30:39 > 0:30:42And while Ronnie continued to chase him,

0:30:42 > 0:30:48as weeks and then months passed, his invoice went unacknowledged and unpaid.

0:30:48 > 0:30:52It upset me to feel that I'd been let down in this way.

0:30:52 > 0:30:56Had he contacted me to say that he'd got problems, he couldn't pay me,

0:30:56 > 0:30:58we could've come to some arrangement,

0:30:58 > 0:31:01but I didn't hear anything at all.

0:31:01 > 0:31:04With the money already over two months late,

0:31:04 > 0:31:09Ronnie finally received a call from Mr Tayt, promising to sort out payment.

0:31:09 > 0:31:13But after this, Ronnie heard no more from the builder for some time.

0:31:13 > 0:31:15Still thousands of pounds out of pocket,

0:31:15 > 0:31:21Ronnie grew increasingly frustrated as his letters, calls and emails went unanswered.

0:31:21 > 0:31:26I felt really that I'd been let down in the fact that I hadn't been paid and I wanted to be paid.

0:31:26 > 0:31:29Had it been someone that was just starting business,

0:31:29 > 0:31:32it could've finished them.

0:31:33 > 0:31:38Months passed and Ronnie still didn't receive any payment from Martin Tayt.

0:31:38 > 0:31:41Getting nowhere, he realised he needed to take action.

0:31:41 > 0:31:45Luckily, he found a possible solution after watching TV one morning

0:31:45 > 0:31:48and tuning into The Sheriffs Are Coming.

0:31:48 > 0:31:51I made a decision, enough was enough.

0:31:51 > 0:31:57And after seeing this programme on TV,

0:31:57 > 0:32:00I thought, "I'll try it this way."

0:32:00 > 0:32:03So with that, I got onto the sheriffs.

0:32:03 > 0:32:08Using the internet, Ronnie sued Mr Tayt for the money he owed him.

0:32:08 > 0:32:12When Tayt didn't contest the case, a judge ruled in Ronnie's favour

0:32:12 > 0:32:14and awarded him £2,000,

0:32:14 > 0:32:17which Mr Tayt still failed to pay.

0:32:19 > 0:32:22It's now up to Lawrence and Kev

0:32:22 > 0:32:25to get Ronnie back the money he worked hard to earn.

0:32:25 > 0:32:30After their epic drive, happily they have little trouble finding Mr Tayt's address.

0:32:30 > 0:32:33Well done, mate.

0:32:33 > 0:32:37As the sheriffs make their way up a very lengthy driveway, they spot someone.

0:32:37 > 0:32:42- Is there someone there? - She's popped out of there.- Did they? - There she is, behind that gate.

0:32:42 > 0:32:45However, it looks like they've been spotted, too.

0:32:45 > 0:32:49She just dived into the doors behind there.

0:32:49 > 0:32:50And her dog.

0:32:50 > 0:32:53DOG BARKS

0:32:56 > 0:33:00- Hello?- By the time Lawrence gets to the gate,

0:33:00 > 0:33:02the person is nowhere to be found.

0:33:02 > 0:33:04Kev is already sensing defeat.

0:33:12 > 0:33:16The figure Lawrence saw has vanished without a trace

0:33:16 > 0:33:19and the rest of the house seems empty, too.

0:33:19 > 0:33:22- You definitely saw someone? - Huh?- You definitely saw someone? - There was a lady.

0:33:22 > 0:33:27- The door was open.- Was it? - The side door was open, but the gate was locked.

0:33:27 > 0:33:30Lawrence has the legal power to climb the gate,

0:33:30 > 0:33:33but the dog seems to have put him off.

0:33:33 > 0:33:35Hello? DOG BARKS

0:33:36 > 0:33:41I don't know how aggressive it'd be. I'd rather make friends with it.

0:33:42 > 0:33:45Lawrence looks for another way into the property.

0:33:53 > 0:33:56- What have we got here? - Look at him, he loves rummaging.

0:33:56 > 0:33:59Rummage, rummage, rummage.

0:33:59 > 0:34:02Nothing worth having in there.

0:34:02 > 0:34:05- There's no movement.- No Bentleys or Porsches in the garage.

0:34:05 > 0:34:07Open the door!

0:34:07 > 0:34:12Resigned to the fact that whoever Lawrence saw isn't going to talk to them...

0:34:12 > 0:34:17- We'll just drop the paperwork off. - There's not much we can do. There's no way of getting in.

0:34:17 > 0:34:20..the sheriffs post their paperwork and retire to the van...

0:34:20 > 0:34:22- It's freezing!- Yes.

0:34:22 > 0:34:25We'll just sit in the van so it looks like we're not going anywhere.

0:34:25 > 0:34:28Brr!

0:34:28 > 0:34:31..where Lawrence has another good idea.

0:34:31 > 0:34:33Let's pretend we're making a phone call.

0:34:33 > 0:34:35"Blah-blah-blah-blah..."

0:34:35 > 0:34:39He pretends to be on the phone in the hope whoever's home

0:34:39 > 0:34:43might think he's ordering tow trucks and decide to talk to him after all.

0:34:43 > 0:34:47"..blah-blah-blah-blah, blah-blah, blah-blah, blah-blah-blah."

0:34:47 > 0:34:49Cunning!

0:34:50 > 0:34:55But even tactics like that aren't going to work.

0:34:55 > 0:34:59What a pile of... Open the door!

0:34:59 > 0:35:03The effort we've made to get here this morning...

0:35:03 > 0:35:06The sheriffs would normally put a clamp on the Mini in the driveway

0:35:06 > 0:35:09to try and elicit a response from inside,

0:35:09 > 0:35:13but their information tells them it doesn't belong to Martin Tayt.

0:35:13 > 0:35:16Whether he's inside, or anyone else today, they don't know.

0:35:16 > 0:35:21But whoever's there isn't going to open up.

0:35:23 > 0:35:27- She's not going to answer, is she? - I don't think so.- No chance.

0:35:27 > 0:35:30She knows who we are and she's not answering the door.

0:35:31 > 0:35:34Defeated for the moment, Lawrence and Kev leave the house,

0:35:34 > 0:35:39which, since we filmed, Mr Tayt has now moved out from and sold.

0:35:39 > 0:35:42Bye-bye, little dog. We'll be back!

0:35:43 > 0:35:47But it turned out Lawrence and Kev's long journey wasn't in vain.

0:35:47 > 0:35:52Sometimes, the mere presence of the sheriffs and the delivery of their paperwork

0:35:52 > 0:35:54is enough to make a difference.

0:35:56 > 0:36:02The day after their visit, Martin Tayt had the judgement against him annulled by the court,

0:36:02 > 0:36:05which ruled it shouldn't have been brought against him personally.

0:36:05 > 0:36:08The real debtor was HMH Maintenance Ltd,

0:36:08 > 0:36:10the building company.

0:36:10 > 0:36:13The company's director, one Martin Tayt,

0:36:13 > 0:36:15contacted the sheriffs to pay the debt in full.

0:36:17 > 0:36:19It means Ronnie finally gets the payment

0:36:19 > 0:36:22he should've received all those months ago.

0:36:22 > 0:36:28I had an email saying that everything had been settled by Martin Tayt.

0:36:28 > 0:36:32As soon as I saw the photograph of the house, I was thinking

0:36:32 > 0:36:35his own assets looked quite high -

0:36:35 > 0:36:38why couldn't he afford to pay some of his debts off?

0:36:38 > 0:36:40I was very pleased and relieved.

0:36:40 > 0:36:42Mr Tayt reiterated to us that...

0:36:47 > 0:36:50..but by HMH Maintenance Ltd,

0:36:50 > 0:36:52of which he is a director.

0:37:09 > 0:37:10Chris, navigate a postcode and...

0:37:10 > 0:37:14This afternoon, sheriffs Lawrence and Kev are on the road again,

0:37:14 > 0:37:18this time in Essex. They think.

0:37:18 > 0:37:22It hasn't found the satellite. I've never known anything so bizarre!

0:37:22 > 0:37:28- Stop going on about that and... - I haven't even turned it on! - Where am I going?

0:37:28 > 0:37:30Lawrence and Kev are having a few teething problems

0:37:30 > 0:37:33with their new sat-nav,

0:37:33 > 0:37:36en route to a substantial new assignment.

0:37:36 > 0:37:41We're looking for a company called Danimak Ltd at CMS House.

0:37:41 > 0:37:46They're visiting this engineering firm's head office on behalf of a former employee

0:37:46 > 0:37:51who took them to an employment tribunal after he was fired from his job.

0:37:51 > 0:37:58The company didn't contest the case and a judge awarded him over £19,000 in compensation,

0:37:58 > 0:38:02which Danimak Ltd of Dagenham has failed to pay.

0:38:07 > 0:38:10But even with two sat-navs now on the case,

0:38:10 > 0:38:14there's no sign of CMS House, where the company is based.

0:38:14 > 0:38:19This is a CSM truck, so you would hope that that would be a CSM House, wouldn't you?

0:38:19 > 0:38:22Over there, around the bend a bit...

0:38:22 > 0:38:27I don't think that's it. It's not CMS House or anything.

0:38:28 > 0:38:33- Enough is enough for Lawrence. - Pull over. This is getting stupid.

0:38:33 > 0:38:37That's it. This'll do. It's nice and shady here.

0:38:37 > 0:38:42Let me just do an internet search for Danimak and his house.

0:38:42 > 0:38:46- Oh, CSM House. Right, he's up there. - Right?- Yes.

0:38:46 > 0:38:50It's CSM, not CMS House,

0:38:50 > 0:38:53they should've been looking for all along.

0:38:53 > 0:38:58Now armed with the correct address, Kev's convinced he's found the mysterious Danimak.

0:38:58 > 0:39:03- Two containers.- Where? - That's it. I'm telling you.

0:39:03 > 0:39:09- Lawrence isn't so sure. - That's Alloy Tyres, blah, blah, blah. Grand opening.

0:39:09 > 0:39:14Still, with over 20 grand at stake, it's definitely worth checking out.

0:39:14 > 0:39:16Hello?

0:39:21 > 0:39:22Hello?!

0:39:26 > 0:39:28HE JANGLES GATES

0:39:29 > 0:39:31See if that brings somebody out.

0:39:31 > 0:39:35But it soon becomes clear it's not the right address.

0:39:35 > 0:39:38It looks like the sheriffs have had a wasted journey.

0:39:38 > 0:39:42Time to fire up the sat-navs and head for home.

0:39:42 > 0:39:49Just as they're leaving, Kev notices a familiar name on a neighbouring unit.

0:39:49 > 0:39:50Danimak.

0:39:50 > 0:39:54- That's it. - Yeah. "CSM House" on the postbox.

0:39:54 > 0:39:57At last, they've found it.

0:39:57 > 0:39:59But will this business have the cash they're after?

0:39:59 > 0:40:02Blimey, you take some finding!

0:40:02 > 0:40:05My name's Mr Grix.

0:40:05 > 0:40:07- I'm an enforcement officer.- OK.

0:40:07 > 0:40:10We're here to execute a high court writ on Danimak Ltd

0:40:10 > 0:40:14for the sum of £22,535.96.

0:40:14 > 0:40:17We're here to seize and, if necessary, remove goods to that value

0:40:17 > 0:40:21- to clear the debt if you can't pay in full.- OK.

0:40:21 > 0:40:27- My solicitor sent a set-aside claim. - When was this?

0:40:27 > 0:40:29My paperwork's just there.

0:40:29 > 0:40:31The company director's paperwork confirms

0:40:31 > 0:40:36he's applied to have the court's judgement set aside and is appealing the case.

0:40:36 > 0:40:41But with a live high court writ, this changes little as far as Lawrence is concerned.

0:40:41 > 0:40:46The original order would've said pay by whenever.

0:40:46 > 0:40:49It's normally 28 days or 14 days.

0:40:49 > 0:40:51- Sometimes it says immediately. - That's why we appealed.

0:40:51 > 0:40:54It doesn't matter what action you're taking,

0:40:54 > 0:41:00until a judge has said, "This is what's going to happen," that judgement stands.

0:41:00 > 0:41:03If you want to prevent further action, you need to pay us

0:41:03 > 0:41:06£22,535.96 in cleared funds.

0:41:06 > 0:41:10It's a large amount for any business to have available,

0:41:10 > 0:41:13especially one based in a Portakabin.

0:41:13 > 0:41:16Lawrence outlines the methods of payment he'll accept.

0:41:16 > 0:41:20Bankers draft, building society cheque, direct transfer,

0:41:20 > 0:41:24- cash, or credit or debit card with a Chip and PIN.- Yes.

0:41:24 > 0:41:27It can't be done over the phone. It has to be done in person.

0:41:27 > 0:41:30- Have you got a Chip and PIN machine? - Yes.- We'll do it.

0:41:30 > 0:41:33- Yes?- Yes.- Get the machine, Kev.

0:41:34 > 0:41:38That was a lot easier than Lawrence was expecting.

0:41:38 > 0:41:43But will the huge sum owed to the ex-employee actually go through?

0:41:46 > 0:41:48You might not get a signal. You might have to hold it...

0:41:48 > 0:41:51- No, it's looking good.- OK.

0:41:55 > 0:41:58Yes, done.

0:41:58 > 0:42:03Five minutes in the office and over £22 grand in the bank. Result.

0:42:03 > 0:42:06- You can't normally do a payment like that on a debit card!- No!

0:42:06 > 0:42:09Nice refreshing change!

0:42:09 > 0:42:10There you go. I'll write you out a receipt.

0:42:10 > 0:42:13Transaction complete.

0:42:13 > 0:42:16Lawrence is leaving with the full payment he came for.

0:42:16 > 0:42:21- Okey-dokey.- OK. - We'll leave you in peace.- Lovely. That's quite a slick operation!

0:42:21 > 0:42:23- Thanks. Cheers, guys.- Cheers. Bye.

0:42:23 > 0:42:28That was about as straightforward and easy as you can get.

0:42:28 > 0:42:30Erm...

0:42:30 > 0:42:34We just went in and explained the situation to the man, who was a director,

0:42:34 > 0:42:36gave him the payment options,

0:42:36 > 0:42:40and he just pulled out a company debit card and paid in full.

0:42:40 > 0:42:44- The A-Team are here!- Dream Team! - A-Team.- Dream Team.

0:42:44 > 0:42:47A-Team, BA!