Episode 1 The Sheriffs Are Coming


Episode 1

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Transcript


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-Meet the sheriffs.

-Let's go introduce ourselves.

-Got a High Court writ to attend today.

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If it's not paid, we'll remove the stock.

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-Their job is to get you your money back.

-It's about to get physical.

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It's an arrestable offence to stop me doing my job.

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If you've been ripped off and don't know where to turn...

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-We need to deal with it now.

-We'll remove vehicles to that value.

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If you're acting on his authority, pay it.

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..if you've been to court and still not been paid what you're owed...

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Are you going to open this building, or am I going to force entry into it?

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-You need to pay this.

-..it's time to call the sheriffs.

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-Don't put your hands on me!

-I'm going to call the locksmith, effect entry

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-into the premises and remove all the items.

-Whoa, whoa!

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They're enforcement agents of the High Court.

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And the law says they're on your side.

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Just collected 42 grand.

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Coming up.

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When this couple bought themselves a car, things didn't go to plan.

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When we were driving faster, it just didn't seem to accelerate.

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At that point I was pretty cross.

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Craig and Tommy go in search of what they're owed.

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-Is that not you, Waterside Car Sales?

-Of course I am.

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So you are Waterside Car Sales?

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What I am saying is we took this name over.

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You're digging yourself a bit of a hole now.

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No, no, no, I'm not digging myself any hole.

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Lawrence and Kev are in a chocolate shop

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and they won't leave empty-handed.

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You can have 15 minutes but then we are going to clear the place out.

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And the sheriffs take on Barclaycard for a large sum.

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It is £35,000 plus.

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The law's the law. And it applies to everybody.

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Today, sheriffs Tommy Coyle and Craig Wild

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have a familiar problem to deal with.

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Right, we're off to Birmingham today.

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Off to see a garage.

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Waterside Car Sales.

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The claimant in this particular case is a Katie Miller.

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She is owed a total of £2,916.

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The sheriffs are looking to get Katie her money back

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after a car sale went wrong.

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Katie and Andrew Miller travelled 50 miles from their home

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to Birmingham, to buy a car that Andrew needed to get to work.

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So I work as an outdoor instructor.

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I love doing it, I get to work with young people every day,

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I get to take them on school trips, kayaking and climbing

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and caving and things like that.

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A car is essential because I've got to get there,

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but it also involves taking things like kayaks around on the roof,

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and going all around the country.

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Andrew needed to find a car, but there wasn't much money.

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The couple had recently married and were hoping to have something

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left in the bank after buying their wheels.

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Our budget was £2,000.

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We picked a few cars, we had to look quite far afield

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because the criteria was quite tight.

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And we found a few in Birmingham,

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and Waterside was one of the places we went to.

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They came across a VW Golf they both liked.

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Mohammed Haque at Waterside Car Sales let them have the Golf

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for a price that was within their budget.

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He let us take it for a test drive.

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It was derby match day in Birmingham, so it was quite busy.

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So he...we went for a really short test drive.

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It wasn't quite running right, it was a bit jittery.

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Obviously raised the concern, and he said, "No, no problem, we'll sort it out.

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"I'll get my garage to look at it."

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We waited for half an hour, they brought the car back.

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Switched it on, drove it a little bit, and absolutely fine,

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no problems at all.

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We believed it was all sorted and it was just a simple problem.

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The couple drove away from Waterside Car Sales happy.

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They didn't realise they weren't going to stay that way for long.

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The overall driving experience was quite good,

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up until we turned the engine off...

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and started it back up the next time.

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ENGINE STRUGGLES

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From there on, it went downhill.

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It was very juddery at a slow speed.

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And then, when we were driving faster,

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it just didn't seem to accelerate.

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At that point I was pretty cross.

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I wanted to go about getting the car back.

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Naturally, they contacted Mohammed Haque at the garage

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and asked to bring the car back for a refund.

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But the garage only wanted to try and fix it again.

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He's already tried to fix it once and didn't.

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That's the stage when he started saying, "You have no right to bring

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"this car back, what do you expect when you buy a second-hand car?"

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We knew that actually if you buy something faulty from someone,

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you have rights to take it back.

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The couple wisely got in touch with Trading Standards,

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to find out what they could do about their badly running car.

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We had to have shown willingness for him to fix the car,

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so under the guidance of Trading Standards, we asked him

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to collect the car, which he was very reluctant to do initially.

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He tried to tell me that it as my responsibility

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to pay for transport of the car.

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I said that actually, legally, I shouldn't have to incur any costs

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from this faulty car that he'd sold us.

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We ended up finally getting him to agree to collect the car,

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-and he had the car for, I think, a couple of months.

-Mmm.

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When the car was finally ready,

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the couple travelled over to Birmingham and collected it.

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After two months waiting, they hoped their troubles were over.

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Got there, started it up, drove it home again.

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And exactly the same problem happened.

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After three breakdowns, the couple got on the phone

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and demanded their money back.

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Waterside Car Sales weren't forthcoming.

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He answered the phone and just made excuses.

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Didn't want to talk to me...

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and just made excuses for leaving the phone conversation, and left.

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A local garage told them it would cost hundreds of pounds to

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investigate the problem, let alone fix it.

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The couple decided to go to court to get their money back.

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No-one from Waterside Car Sales attended the hearing,

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so Katie and Andrew won a default judgment.

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But, two months on, the couple haven't been paid.

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The sheriffs are the last hope and the last option we have.

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Over in Birmingham, sheriffs Craig and Tommy

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are planning to get them the money a court says they are owed.

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They've found what appears to be Waterside Car Sales.

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Hello, mate.

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You the boss?

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The man on-site isn't the owner,

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but he does get him on the phone for Craig.

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What it's to do with, got a court order today

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for £2910.71.

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He doesn't seem to know about Katie's case.

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She's taken the company to court for the money.

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And the court... And the company...

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Waterside Car Sales.

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The man says his name is Mohammed Haque.

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But that he runs a different company,

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and Waterside Car Sales have moved out.

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And when did they go?

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Craig thinks he sees evidence to the contrary.

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Well, obviously, it is all still signed up here Waterside Car Sales.

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Mr Haque says he will come down to the garage.

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He said we've got to wait inside.

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The sheriffs look inside for evidence of Waterside Car Sales,

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and it doesn't take Craig long to find something.

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If you carefully look at the very top,

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it's got Waterside Car Sales on the top there.

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That's what we are looking at. Any more? Any more?

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There's a small office in the garage,

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and Craig has a look around and finds further clues.

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The trade plates in there are Waterside Car Sales.

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Even though it is all Waterside on the front,

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this Mr Haque reckons he is a director of a limited company

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that has taken over this building about two months ago, he said.

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I don't believe him, to be fair,

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I think he's got something to do with their company.

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Moments later, Mr Haque arrives.

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Hello, sir.

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Perhaps he can explain which company this is.

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What we're saying is, the judgment is for £2910.71, so...

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how do you want to pay it?

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Mr Haque believes he has proof

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that a different company now operates here.

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-This is us.

-This is you here?

-Yes.

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-Do you know anything about Waterside at all?

-Waterside used to be here.

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We are still using their sign, but we are them.

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Right, OK.

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But Mr Haque isn't convincing Craig and Tommy.

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Why are you still using their signage and their cards?

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Because we can't afford to put any new signs in at the moment.

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-You're saying you have nothing to do with Waterside whatsoever?

-No.

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-This is us.

-I appreciate that, yeah.

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When you arrived here, as M & J Midlands Ltd,

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the place was empty, Waterside had gone and everything else?

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-Everyone was gone.

-Why are you still using their trade plates?

-Sorry?

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-Why are you still using their trade plates?

-We took it over.

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Till this expire, we...

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Why didn't Waterside, when they left, take these with them?

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They left it there. What am I supposed to do?

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Well, you shouldn't be using them, should you?

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-I shouldn't be using them, no.

-No.

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When I said to you, when you moved into here and it was all empty,

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that wasn't true, then, because they've obviously left these, haven't they?

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The sheriffs decide to confront Mr Haque with more of their findings.

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They hope he'll realise he must pay the bill.

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Did they leave any cars?

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No. They wouldn't leave any cars, would they?

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-When we moved in here, there was no cars.

-Right.

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So far, it's not looking good for the sheriffs.

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Although Craig has found evidence

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he thinks disproves Mr Haque's story about a new company,

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he's no closer to convincing him to pay up.

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Later on, the sheriffs make a discovery that changes everything.

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There you go. Waterside Cars Ltd.

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Kev McNally and Lawrence Grix are out on patrol today,

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looking to recover a debt.

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Enforcement agent Kev has got his thinking cap on.

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We are in Cambridge at the moment.

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We are going to Chocolat Chocolat.

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I presume it's a chocolate shop.

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They owe £1,793.

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Kev suspects Lawrence would take payment in kind.

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Maybe Lawrence likes a bit of chocolate,

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he's nodding his head there.

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Chocolate and gin and tonic, I think.

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But the sheriffs won't be getting any chocolate

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-until they find out where they're going.

-I've got no idea.

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I've gone the wrong way.

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But every way they go is wrong.

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It says, "Authorised vehicles, bollards, CCTV in use."

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Well...

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Nearly a mile from it, so I'm not walking for a mile.

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The sheriffs have got a major battle on their hands this morning -

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getting through Cambridge's traffic control system.

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I'm going back round this way again, because I think it's somewhere...

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Oh, no, buses only.

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Where the hell are we?

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This place is a serious joke.

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Anyone watching, don't come to Cambridge, you won't get anywhere.

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A driver like me, I'd... Ah!!

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-No, that is a pedestrian zone. So we will go back around here, then.

-Yeah.

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-Look, no entry.

-This place is a joke!

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Still half a mile away.

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Finally, a breakthrough.

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Right, I am a legend. Keep going.

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No, seriously, we'll be there in a minute.

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Unless that's the river.

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HE LAUGHS

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We're definitely going to get there now because it is one way

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all the way to it. Literally the best co-pilot ever.

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Don't worry about me.

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They've found the chocolate shop.

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But not the parking space they'll need for the van.

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They'll have to park somewhere if they want to collect this debt.

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It's literally about an hour walk from here.

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But it seems the distance is no object

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to a sheriff with a chocolate shop to find.

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Lawrence just wants to get stuck into the chocolate.

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Look at him, he is rampaging his way towards there.

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Just want to get there. I only put an hour on the parking meter,

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it's half hour walk from the van, isn't it?

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Got a vision of...turn up at the shop

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and he's already eaten half the stock.

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He's got chocolate covering his face and wrappers everywhere.

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Eventually, the sheriffs arrive at the chocolate shop.

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But master of directions Kev has missed the sweet spot.

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-Where's he going?

-No-one told me it was here. That's a surprise.

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-Hello, there. Are either of you the owner at all?

-I'm the manager.

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My name's Mr Grix, my colleague and I are enforcement agents.

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We've got a High Court writ to execute for Chocolat Chocolat.

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We are here today to take control of goods to the value of £1790.50,

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which will basically mean everything in here.

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The young store manager is worried.

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She clearly knew nothing about this.

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Are you able to get the owner on the phone?

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Is she?

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Can you get them on the phone?

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I think that is probably best.

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The manager doesn't want her chocolate shop emptied of stock,

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and she's been dropped in at the deep end.

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No worries.

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The seriousness of the situation is starting to dawn on the staff,

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and they shut the shop.

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Eventually they do make contact with the absent shop owner's daughter,

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and put Lawrence on.

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She asks for more time to pay.

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You can have 15 minutes but then we are going to roll the truck

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to come and clear the place out.

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Because we've been here half an hour already.

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OK. All right, bye-bye.

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With nearly £2,000 to pay, the sheriffs would have to take

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a lot of chocolate, so Kev is looking for other options.

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There's a few bits of furniture round here for a start.

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There's lots of ceramic gift stuff. Downstairs, it's the same.

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Lots of chocolate, computers down there, printers.

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A few appliances around, a couple of fridges.

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And sort of chocolate mixing...

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equipment.

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But the sheriffs would prefer money.

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The elder daughter who I've just spoken to says

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she's the owner of the business, but she's got no access to any funds.

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Which I find a bit hard to swallow,

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unlike chocolate.

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So we are just waiting now, I've given her 15 minutes to try

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and get in touch with her parents.

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If she's the owner, she should be able to deal with it, is my opinion.

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It clearly wasn't the ideal day to look for payment.

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Despite the ongoing negotiations, Kev thinks Lawrence is holding back.

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Don't really like chocolate. It is way too sweet in here for me.

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A bit concerned.

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He's got the devil in him over there.

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Struggling to contain himself.

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KEV LAUGHS

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But before Lawrence can indulge himself,

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the owner phones through with good news.

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It's been paid by card?

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Right, I'll get onto my office now and check,

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because if it's done by card, it is instantaneous.

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I'll issue a receipt and leave it with one of the ladies here.

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All right, thanks. Bye.

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But, just to make sure no-one fudged the payment,

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Lawrence is checking that the money has been received at the office.

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All right, lovely. Yeah, cheers.

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Bye.

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Yeah, it's there.

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Can't ask more than that, paid. On our way.

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It's been a difficult morning for the young manager,

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but she wouldn't have a shop to manage

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if the sheriffs had to take control of the chocolate.

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-Thanks a lot. See you later, guys.

-Cheers.

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Successful job in the end.

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Went in there, no dramas.

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Once she established what it was, paid on her bank transfer,

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so, yeah, full payment. It wasn't a huge sum of money.

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I think it is a busy shop. You could tell by the amount of people when we got in there,

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and then the amount of people while they were shut, while we were there.

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Just wanted to get the shop open and running again. But they paid

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the full amount, £1,800 just about.

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On we go, they're open for trading again. All things good.

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All they have to do now is find their way out of the Cambridge

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traffic system.

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The shop told us...

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Back in Birmingham, Craig and Tommy are at Waterside Car Sales,

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on behalf of Katie and Andrew Miller. They've found a man

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who says he has nothing to do with the debtor company.

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-When we moved in here, there's no cars.

-Right.

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But they don't believe him.

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Just to put the final nail in the coffin,

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there's at least three cars, right,

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which still have the sale particulars in the windscreen for Waterside.

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-Waterside?

-So, in your infinite wisdom, what you did...

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you found some trade plate

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and you found some paperwork which was Waterside

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and you put that paperwork in your cars to sell it under the terms

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of Waterside, is that what you're saying? You're digging a hole.

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No, no. I'm not digging myself any hole.

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-Do you want me to show you? Come on!

-I'm not...

-Show you.

0:18:350:18:38

-Your telephone number...

-Of course, it's mine.

-It's on Waterside.

0:18:380:18:42

-This is what I'm using for the moment.

-Why are you using this?

0:18:420:18:44

You said Waterside left two months ago.

0:18:440:18:46

Why would this document be in a car for sale

0:18:460:18:49

under the banner of Waterside, now, if they'd moved out two months ago?

0:18:490:18:54

But I'm using...

0:18:540:18:55

And why would we have the actual trade plates

0:18:550:18:58

in Waterside name as well?

0:18:580:19:00

I just...

0:19:000:19:02

Can you show me the purchase document for this vehicle then?

0:19:020:19:05

-This vehicle?

-Yes.

-I'll show you.

-Thank you.

0:19:050:19:07

The Sheriffs have the power to search a debtor's premises

0:19:080:19:11

for information concerning their writ.

0:19:110:19:14

-Excuse me!

-This is called diligent search.

0:19:140:19:16

Can you not go through personal stuff?

0:19:160:19:18

I'm going to have to go through it, sir, because I believe the company

0:19:180:19:21

is still trading from here.

0:19:210:19:23

Delving through the files doesn't show Waterside Car Sales have gone.

0:19:230:19:27

There you go! Waterside Cars. That's corporation tax.

0:19:300:19:35

That's not you?

0:19:350:19:36

They left that paperwork as well, did they? Is that not you?

0:19:360:19:39

-Waterside Car Sales?

-Of course I am!

-So you are Waterside Car Sales?

0:19:390:19:42

What I'm saying is, we took this name over. It was there.

0:19:420:19:47

We're finding vehicles which are for sale with Waterside in the windscreen

0:19:470:19:51

which has the same telephone number as yours, printed, not handwritten.

0:19:510:19:55

The evidence suggests this is still Waterside Car Sales.

0:19:550:19:59

You shouldn't be using their signage.

0:19:590:20:02

It doesn't make sense to do that.

0:20:020:20:03

I'm suggesting Waterside Car Sales is still operating from these premises.

0:20:030:20:07

You're selling vehicles on behalf of Waterside.

0:20:070:20:10

-I'm not selling cars...

-They are. They're there!

0:20:100:20:13

All the Sheriffs think they need now

0:20:130:20:15

is one killer piece of paperwork that links this man to this company.

0:20:150:20:20

Mohammed Haque?

0:20:200:20:21

Yes.

0:20:210:20:23

"Mohammed Haque, Waterside Car Sales."

0:20:230:20:26

Here we go!

0:20:260:20:27

It clearly says, "Mohammed Haque, Waterside Cars."

0:20:270:20:31

But you have nothing to do with it?

0:20:310:20:33

I just told you, sir. This is what I'm using, Waterside Cars' name.

0:20:330:20:36

You shouldn't be using another company's name, sir.

0:20:360:20:39

-Of course I can.

-Is that fraud then?

-How could it be fraud?

0:20:390:20:42

There's no point us going round in circles.

0:20:420:20:44

I want to list down all the vehicles outside.

0:20:440:20:47

You can talk to me about payment, OK?

0:20:470:20:49

I'm going to start taking control of all your vehicles outside.

0:20:490:20:53

The Sheriffs hope the man might come to his senses

0:20:530:20:56

once he realises the Sheriffs are going to take control of his stock.

0:20:560:21:00

And Craig makes sure he realises what Tommy is doing.

0:21:000:21:04

If you can't pay this bill, then we're going to take further steps

0:21:040:21:07

-to take them away today.

-But, he...

0:21:070:21:09

It's your choice, Mr Haque.

0:21:110:21:13

It's your choice.

0:21:130:21:14

There's enough evidence showing, basically, our company is here.

0:21:140:21:18

So, we can, yeah.

0:21:180:21:19

Finally, Mr Haque of Waterside Car Sales

0:21:190:21:22

is beginning to talk about paying some money.

0:21:220:21:25

I don't have this kind of money to pay straight away.

0:21:260:21:29

I can't help you out then, Mr Haque.

0:21:290:21:31

How you run your business is up to you.

0:21:310:21:34

But you have to give me some time.

0:21:340:21:36

-No, we don't.

-But how you expect me to pay that kind of money?

0:21:360:21:40

Because the courts say you have to.

0:21:400:21:42

If you want to pay it, you can do.

0:21:420:21:44

Or we can execute it now at further cost to yourself.

0:21:440:21:47

If they execute the writ,

0:21:470:21:48

that will mean taking control of vehicles on the forecourt.

0:21:480:21:52

Craig gives Mr Haque a moment to think about paying up...

0:21:520:21:56

You've got a breakdown here, sir.

0:21:560:21:58

Let me... Have you got a card reader?

0:21:590:22:02

..and he's told Tommy he'll pay up in full - via credit card.

0:22:020:22:07

Katie and Andrew will get their money back

0:22:070:22:09

from Waterside Car Sales after all.

0:22:090:22:12

That's the £1,000 off the account.

0:22:120:22:14

But even that won't be straightforward.

0:22:140:22:17

It will be paid off by several different credit cards.

0:22:170:22:20

-OK. How much do you want on that one, sir?

-£1,700.

0:22:200:22:23

So, £210 and...71 pence now.

0:22:240:22:27

Piece of friendly advice,

0:22:300:22:31

I would disassociate yourself

0:22:310:22:33

from anything to do with Waterside Car Sales in future.

0:22:330:22:37

OK?

0:22:380:22:39

-I'll leave that with you.

-Bye-bye now.

0:22:390:22:42

It took some detective work, but the Sheriffs are happy.

0:22:420:22:45

Lured him into the trap of saying what he needs to say

0:22:460:22:49

to hang himself really.

0:22:490:22:51

£2,940 he's paid over three card payments.

0:22:520:22:56

Tommy just handed me the piece de resistance.

0:22:560:22:59

That's his card!

0:23:000:23:02

Apparently he's got nothing to do with that company,

0:23:020:23:04

but they're all over his desk.

0:23:040:23:06

It's another challenging job over for Craig and Tommy.

0:23:060:23:10

But more importantly,

0:23:100:23:11

it means Katie and Andrew getting back the money they are owed.

0:23:110:23:16

The whole...him denying who he was

0:23:160:23:18

and trying to get out of paying doesn't surprise us at all, does it?

0:23:180:23:22

Thank you so much to the sheriffs, Craig and Tommy.

0:23:220:23:25

They've been fantastic.

0:23:250:23:27

It's an end to this whole saga. We'll be able to put it behind us.

0:23:270:23:31

Mr Haque told us that the company's registered address is elsewhere,

0:23:310:23:35

not the garage where the Sheriffs enforced.

0:23:350:23:38

He said everyone had the legal right to a warranty,

0:23:380:23:41

but that the clients had not written to him

0:23:410:23:43

and that he had offered them a refund or repair.

0:23:430:23:46

There have been Sheriffs since Saxon times

0:24:010:24:04

and they only enforce High Court writs.

0:24:040:24:07

I've got a High Court writ I'm executing here.

0:24:070:24:09

It doesn't matter what the dispute is, you have to pay.

0:24:090:24:12

If you've been awarded money by a court but haven't been paid,

0:24:120:24:16

the Sheriffs can get you what you are owed.

0:24:160:24:19

He hasn't been paid so he's transferred it up to the High Court

0:24:190:24:22

for enforcement purposes.

0:24:220:24:23

If the debtor won't pay, Sheriffs have the power to remove goods

0:24:230:24:27

and have them sold at auction to repay the debt.

0:24:270:24:30

I'll take the keys and look after them until we get payment.

0:24:300:24:33

We've got an awful lot of stuff to take out to clear the debt.

0:24:330:24:36

A High Court writ costs £60.

0:24:360:24:38

If the Sheriffs are successful,

0:24:380:24:40

there's nothing more for the clients to pay.

0:24:400:24:43

So, £6,900 there.

0:24:430:24:45

Paid it straightaway so it's all good.

0:24:450:24:48

If they are unsuccessful, the only cost is a compliance fee

0:24:480:24:51

of £75 plus VAT for each enforcement.

0:24:510:24:55

Some jobs require the Sheriffs to take on some of the country's

0:25:070:25:10

biggest brands and household names who've been ordered to pay up.

0:25:100:25:15

And today, Tommy and Craig find themselves a few miles away

0:25:150:25:18

from a giant of the financial world.

0:25:180:25:21

We're on way to go and do a job

0:25:230:25:25

on behalf of Mr Noel Daniels.

0:25:250:25:26

Noel has gone to court and sued Barclaycard, of all people.

0:25:280:25:32

Paperwork has been sent to their office in London

0:25:320:25:34

which they've failed to respond by.

0:25:340:25:37

We've also visited their mail centre in Leicester.

0:25:370:25:40

They failed to respond to any of the paperwork

0:25:400:25:43

so we're off to Northampton today, which is their main head office,

0:25:430:25:47

with a view to collecting the outstanding balance,

0:25:470:25:50

which is £35,000 plus.

0:25:500:25:52

So, a large debt...

0:25:530:25:55

..large organisation.

0:25:560:25:58

And, hopefully, we'll do our best and get the money for him.

0:25:580:26:02

The claim was for damages

0:26:020:26:04

after Barclaycard made a Payment Protection Insurance, or PPI,

0:26:040:26:07

repayment to a customer of around £1,500.

0:26:070:26:10

It's not every day that the Sheriffs go up against a billion-pound company,

0:26:120:26:16

so they are expecting to encounter resistance.

0:26:160:26:19

We'll be dealing with, initially, security on the gate,

0:26:190:26:22

then the claims department,

0:26:220:26:24

then we'll deal with the finance department.

0:26:240:26:27

So, a multitude of layers to go through.

0:26:270:26:29

They're like any other defendant, that's what you have to remember.

0:26:290:26:32

We have the same powers. The law's the law -

0:26:320:26:35

and it applies to everybody.

0:26:350:26:37

So, is this all Barclaycard?

0:26:420:26:44

Everything. It's all Barclaycard.

0:26:440:26:46

The site is so big, there's a queue to get in.

0:26:460:26:49

Mate, this is a big corporate job, this is.

0:26:500:26:54

The Sheriffs' first hurdle is going to be a security guard

0:26:540:26:57

checking who comes onto the site.

0:26:570:26:59

First obstacle is getting through security.

0:26:590:27:02

Obviously, they're going to stop us. They'll want to know...

0:27:020:27:05

I have to explain who I am and why I'm here.

0:27:050:27:07

Normally, a big corporate company like this,

0:27:070:27:10

I give them a bit of respect, as in I'll wait a small amount of time.

0:27:100:27:13

It's a large sum of money.

0:27:130:27:15

They should be getting someone down here rapid.

0:27:150:27:17

We've got the law on our side.

0:27:170:27:18

Here we go! Here we go! Here we go!

0:27:180:27:20

The Sheriffs get ready to talk to security.

0:27:210:27:25

He'll want to chat with us, won't he? Shall we? Or just crack on?

0:27:250:27:29

Just crack on.

0:27:290:27:30

The Sheriffs decide to simply drive in.

0:27:320:27:35

Go, go, go!

0:27:350:27:36

They do have a High Court writ, after all.

0:27:360:27:39

Da, da, da!

0:27:390:27:40

There you go, son!

0:27:420:27:44

Simple, but the low ceiling car park could be a problem.

0:27:440:27:48

-You worried, Tommy?

-I am about the roof, mate. Look at it!

0:27:480:27:51

You've got plenty of room. 2.2 metres.

0:27:530:27:56

Well, first hurdle done! We're on site.

0:27:560:27:58

But they so nearly weren't.

0:28:020:28:04

The guy's gone now. He's gone.

0:28:040:28:06

The barrier is down now, look.

0:28:060:28:08

Let's just keep going.

0:28:080:28:09

But they're on a massive site - they need to find an entrance.

0:28:120:28:16

We're here now so it's just reception.

0:28:160:28:20

This isn't the main reception, I don't think. Is it?

0:28:200:28:22

-It is.

-It is!

-Well, it's got A reception.

0:28:230:28:25

The Sheriffs can force entry to commercial premises...

0:28:250:28:28

-You can't get in!

-Staff entrance. Where's the main entrance?

0:28:280:28:32

It's that side. We need to go all the way around.

0:28:320:28:34

But there's probably an open door elsewhere!

0:28:340:28:37

With over 3,000 people employed at this site, it's no wonder

0:28:370:28:41

the building is so big that they can't find the entrance.

0:28:410:28:45

It's huge!

0:28:460:28:47

Freezing, I am!

0:28:480:28:49

But, finally, the Sheriffs are in reception

0:28:520:28:55

and now have the task of finding the right person to speak to.

0:28:550:28:58

What they don't want is to get fobbed off.

0:28:580:29:01

Can I speak to someone from the finance department?

0:29:010:29:04

I'm an enforcement agent.

0:29:040:29:05

-RECEPTIONIST: Sure. Bear with me a second.

-Thank you very much.

0:29:050:29:09

It's an enforcement agent...

0:29:130:29:14

Yes, please. Thank you. Bye.

0:29:140:29:16

Checking, because I wouldn't know where to direct you.

0:29:160:29:19

That's fine.

0:29:190:29:20

-We'll get our security manager.

-Thank you very much.

0:29:200:29:23

Tommy and Craig were hoping to go direct to the finance team.

0:29:260:29:30

But now the security manager has come to see them.

0:29:300:29:34

We haven't been told about your filming.

0:29:340:29:36

He wants our camera to leave the building.

0:29:360:29:39

If you could. Thank you.

0:29:390:29:41

But Craig and Tommy are staying inside to negotiate.

0:29:440:29:48

And soon enough, Craig has some news.

0:29:510:29:54

We managed to get through the first two or three tiers,

0:29:550:29:58

we're now talking to their legal counsel.

0:29:580:30:01

They've asked for further legal paperwork from our head office.

0:30:030:30:07

But at the moment, it's looking positive.

0:30:070:30:09

It's just a waiting game. We've been an hour on site,

0:30:090:30:12

which is justifiable for them to have sufficient time

0:30:120:30:16

to dig into this situation if they wanted to sort it out.

0:30:160:30:20

Craig heads back inside to rejoin the negotiation.

0:30:250:30:29

Two heads are better than one

0:30:290:30:30

when you are trying to negotiate a 35,000 plus payment

0:30:300:30:34

from the legal team of a giant of the financial industry.

0:30:340:30:38

Outside the building, all seems calm.

0:30:410:30:45

But inside, the Sheriffs are locking horns with Barclaycard

0:30:450:30:48

to get their client paid.

0:30:480:30:51

Not surprisingly, the legal team at Barclaycard are not happy.

0:30:510:30:55

After two-and-a-half hours inside the building,

0:30:550:30:57

Craig has an update.

0:30:570:30:59

The legal counsel from Barclaycard have come back to us.

0:31:010:31:05

They say they don't acknowledge the claim,

0:31:050:31:07

they don't acknowledge the actual defendant.

0:31:070:31:11

However, given the situation they're faced with,

0:31:110:31:14

they'll make full and final payment today.

0:31:140:31:17

They are going to go back to court.

0:31:170:31:20

That's their right to do so,

0:31:200:31:22

but, obviously, from today, the payment will be made

0:31:220:31:25

in the form of a bank transfer in full and final settlement.

0:31:250:31:29

Craig heads back in to collect the balance as a happy man.

0:31:330:31:37

But hours later, he still isn't finished.

0:31:370:31:40

Once back inside, the battle to get paid was far from over.

0:31:410:31:45

The Sheriffs allowed Barclaycard what they felt

0:31:450:31:47

was a reasonable time to pay, but no transfer was made.

0:31:470:31:52

In accordance with their writ, they informed the Barclaycard team

0:31:520:31:56

that they intended to take control of company items to clear the debt.

0:31:560:32:00

At which point, the team offered to pay the debt on their credit cards.

0:32:000:32:04

It's been a remarkable end to the enforcement.

0:32:060:32:09

Bit of a battle that one.

0:32:100:32:12

It was a five-hour period to get it paid.

0:32:120:32:15

Me and Craig got to a point where we weren't happy

0:32:150:32:17

with the evidence they were producing reference this transfer.

0:32:170:32:21

Our pressure point was that we would wander around,

0:32:210:32:24

take control of goods which we're there to do and legally can.

0:32:240:32:27

That prompted the credit card payments.

0:32:270:32:30

They got all the hierarchy from the building lined up outside

0:32:300:32:33

the office and, one by one,

0:32:330:32:35

they came in paying 9,000, 7,000, 6,000,

0:32:350:32:39

4,000...

0:32:390:32:40

Eventually, over a number of cards, they managed to pay it off.

0:32:400:32:44

Obviously, we're there to get full payment.

0:32:440:32:46

As long as it takes, we'll stay whether it's all day.

0:32:460:32:49

We'll still be there. We got the result we wanted in the end.

0:32:490:32:52

Following the Sheriffs' enforcement Barclaycard told us:

0:32:540:32:59

Due to an internal administration error,

0:32:590:33:01

the relevant court papers did not reach their Legal team

0:33:010:33:04

and they had no opportunity to respond in court.

0:33:040:33:07

They say they have already issued a cheque to Mr Daniels

0:33:070:33:11

for the full PPI redress amount

0:33:110:33:13

and don't feel that the unspecified damages of £30,000 are justified,

0:33:130:33:17

so have applied to the court to contest them.

0:33:170:33:20

They say they are determined to resolve the case as soon as possible.

0:33:200:33:24

In the Midlands today, Craig and Tommy have got a job to do,

0:33:340:33:37

and they are confident they're going to get a result.

0:33:370:33:40

We're off to Halesowen this afternoon.

0:33:420:33:45

Off to see a company called John Harris & Co.

0:33:450:33:48

The claimant in this case is Anthony Smith.

0:33:480:33:52

The debt value is around £1,800.

0:33:520:33:54

Could be a landlord or could be a tenant.

0:33:540:33:57

We're not interested, to be fair.

0:33:570:33:59

We're only there under the terms of the court order to get it paid.

0:33:590:34:02

But one person who cares very much about how the Sheriffs get on today

0:34:020:34:06

is former landlord Anthony Smith.

0:34:060:34:09

Anthony is an engineer from Halesowen in the West Midlands.

0:34:110:34:15

Several years ago, his parents passed away, but left him

0:34:150:34:18

and his brother a wonderful gift - the family home.

0:34:180:34:22

It meant a lot to Anthony.

0:34:220:34:24

The house was in the family for 30 years.

0:34:250:34:30

There were too many memories in the house just to sell it.

0:34:300:34:35

And, you know, we decided to rent it out for the time being

0:34:350:34:38

until we were committed to selling it.

0:34:380:34:40

Luckily, Anthony knew a lettings agent that he trusted.

0:34:420:34:45

An old associate from a pub he used to drink at

0:34:450:34:48

was now running an agency in the area

0:34:480:34:50

and Anthony immediately thought of giving him the property to rent out.

0:34:500:34:55

Mr Harris was contracted to rent out the house

0:34:550:34:58

and for 10% of the monthly rent, er, was his fee.

0:34:580:35:02

Included in that fee, he would find us a new tenant,

0:35:050:35:09

take an inventory... Also carry out inspections

0:35:090:35:12

of the property to see that it was being looked after properly.

0:35:120:35:15

Anthony's work required him to be based in China.

0:35:150:35:19

As a successful engineer, he was extremely busy and wasn't able

0:35:190:35:23

to keep an eye on how the tenancy of his parents' house was going.

0:35:230:35:27

For three years, he thought all was well.

0:35:270:35:30

Until he was contacted by his partner in the UK.

0:35:300:35:33

I got a Skype call from Sheila and my brother.

0:35:330:35:37

They sent out photographs of the state the property had been left in.

0:35:370:35:42

The tenant John Harris had put into the house had moved out

0:35:420:35:45

after three years in the property, but they'd not left the place

0:35:450:35:48

in anything like the state they had found it.

0:35:480:35:51

Well, the dog completely destroyed the leather suite.

0:35:510:35:54

There was an expensive leather suite in there, which was my mother's.

0:35:540:35:59

It was just thrown in the garage. It was just in pieces.

0:35:590:36:03

They'd broken every single window in the house

0:36:050:36:08

and...the window locks off, and superglued the windows shut.

0:36:080:36:12

I mean, the bathroom, the windows, the carpets...

0:36:120:36:16

Everything was just... It had to be thrown.

0:36:160:36:19

We hired two skips just to remove the rubbish they left behind for us.

0:36:190:36:25

I can't believe how a house can be abused so much in three years.

0:36:270:36:32

These people had no respect at all for a nice surrounding.

0:36:330:36:38

You know, you would never treat your own property like that.

0:36:380:36:42

Anthony was upset

0:36:420:36:43

because he felt that letting agent John Harris should have been aware

0:36:430:36:46

that the property was getting into a bad state.

0:36:460:36:49

He was taking 10% of the rent each month, after all.

0:36:490:36:53

But there was worse to come.

0:36:530:36:55

Tony returned to England from China

0:36:550:36:57

and took a close look at his bank balance.

0:36:570:37:00

It seemed there were rental payments missing.

0:37:000:37:02

He'd missed a month

0:37:040:37:05

and then he'd put the next month's at the end of the month.

0:37:050:37:09

Then it looked like that month had gone on.

0:37:090:37:12

And then he'd missed a month again.

0:37:120:37:15

Because I was out in China so much,

0:37:150:37:18

I wasn't keeping an eye on it.

0:37:180:37:21

Eventually, when the tenants had moved out and we checked

0:37:210:37:23

the bank account, there was three and a half payments missing.

0:37:230:37:27

Anthony says he checked and rechecked his bank account,

0:37:270:37:30

but the money simply wasn't there.

0:37:300:37:33

I went down to see Mr Harris,

0:37:330:37:35

arranged a meeting with him and I went through

0:37:350:37:38

the amount of months that the tenants had been in,

0:37:380:37:42

payments into the bank account

0:37:420:37:43

and I said to him, "It's not rocket science.

0:37:430:37:46

"You know, one and one makes two." You know? It's simple as that.

0:37:460:37:50

But he refused to talk any more and we had no alternative

0:37:500:37:55

but to go to court.

0:37:550:37:56

Anthony brought his case about the missing rent to court.

0:37:570:38:00

John Harris defended himself,

0:38:000:38:02

but the judgment was in Anthony's favour.

0:38:020:38:05

The magistrate asked us

0:38:050:38:07

if we wanted to claim for the property and the damages.

0:38:070:38:10

I said no, I just want the rent.

0:38:100:38:13

They moved in the middle of the month, so technically

0:38:130:38:17

they owe a full month, but we'll let them off with half a month.

0:38:170:38:20

At that point, Mr Harris said to the magistrate that I was being greedy.

0:38:200:38:24

Which was quite laughable.

0:38:240:38:28

Anthony feels like he hasn't had the last laugh.

0:38:280:38:31

Letting agent John Harris still hasn't paid up what the court

0:38:310:38:34

said he owed. So Anthony has called in the Sheriffs.

0:38:340:38:37

After 14 months, I was just totally frustrated and, you know,

0:38:370:38:41

what do I do? How do I get my money?

0:38:410:38:43

I liked what I'd seen with The Sheriffs, so I got in touch and

0:38:430:38:48

if these guys can't get my money, then nobody's going to get it.

0:38:480:38:51

Emotionally, Anthony feels he wants to do what his mum and dad

0:38:510:38:55

would have thought was the right thing.

0:38:550:38:57

If she's sitting up there looking down,

0:38:570:38:59

she wouldn't be very happy about it.

0:38:590:39:01

Unfortunately, I put the business Mr Harris's way

0:39:010:39:04

and he let me down terribly.

0:39:040:39:06

Two people who are hoping not to let him down

0:39:150:39:18

are Sheriffs Tommy and Craig.

0:39:180:39:20

And in Halesowen, the Sheriffs have found the John Harris office

0:39:200:39:24

and are looking to get Anthony his money back.

0:39:240:39:26

Hello. My name's Mr Wild. We're High Court Enforcement Agents.

0:39:290:39:32

Can you get the boss on the phone for me?

0:39:320:39:35

If you can get him on the phone, I can pre-warn him. To be fair.

0:39:350:39:38

Nowadays, Sheriffs send debtors a letter to inform them

0:39:380:39:41

they need to pay what they owe.

0:39:410:39:43

So Craig and Tommy's visit should be no surprise to John Harris.

0:39:430:39:47

Hello, sir.

0:39:470:39:48

I'm a High Court Enforcement Agent

0:39:480:39:50

and I've got a High Court writ of control to execute today.

0:39:500:39:54

And the value of the liability is £1862.01.

0:39:540:39:59

But there's a problem.

0:40:000:40:01

John Harris is saying that he shouldn't have to pay.

0:40:010:40:04

At least not yet.

0:40:040:40:06

I've got the court order here, compelling you to discharge the liability.

0:40:060:40:10

If you want to come down and have a look at it, that's fine.

0:40:100:40:12

But failure to pay this liability means that we have to execute it.

0:40:120:40:17

Taking control of the goods here today.

0:40:170:40:20

That should focus his mind.

0:40:200:40:22

How long will you be, sir? No problem at all. Bye.

0:40:230:40:26

His argument is that the courts... He wasn't notified of the court process.

0:40:290:40:34

Even though there's been three or four opportunities to discharge it.

0:40:340:40:40

From what he was saying, he was going to apply

0:40:400:40:42

to leave of the court to challenge it.

0:40:420:40:44

He was still waiting for the court to come back to him.

0:40:450:40:48

And while Craig lets the owner know exactly how the land lies,

0:40:500:40:54

Tommy is looking out for assets.

0:40:540:40:57

Just to save time. I'm starting to take control of the goods

0:40:570:41:00

and see what he's got to say when he gets here.

0:41:000:41:02

While the business might not have huge assets,

0:41:040:41:06

Tommy knows they will be reliant on what they do have.

0:41:060:41:10

It's not a huge debt.

0:41:120:41:14

They're not going to want to lose their computers and stuff.

0:41:140:41:17

I'm sure we'll be able to discharge it. In full.

0:41:180:41:22

Tommy and Craig are about to find out, as owner John Harris is here.

0:41:220:41:27

Here we go. I think he's here.

0:41:270:41:30

-You all right?

-Yeah.

0:41:330:41:34

He wants to check they've done things by the book.

0:41:340:41:37

This thing that was given to me...

0:41:370:41:40

-Who signed for it?

-No, it's delivered by post.

0:41:400:41:43

The Sheriffs' records show the paperwork was sent.

0:41:440:41:47

And at this point, John Harris asks our camera to leave.

0:41:470:41:50

Inside, he's on the phone to his solicitor.

0:41:540:41:57

The Sheriffs will now have to talk to them about paying the debt.

0:41:570:42:01

After half an hour, they're out with some news.

0:42:020:42:05

This was quite antsy at first. As all incidents tend to be.

0:42:070:42:10

Erm... Was questioning our enforcement processes.

0:42:100:42:15

I explained to him it had been fully complied with.

0:42:150:42:17

-He then instructed his client to pay it.

-It's a payment in full.

0:42:170:42:21

That's good news for homeowner Anthony.

0:42:210:42:24

But business owner Mr Harris is not happy.

0:42:240:42:27

The Sheriffs may have got money from him today,

0:42:270:42:30

but he plans to do something about it.

0:42:300:42:32

I asked for leave to appeal.

0:42:320:42:35

The next thing I know, these gentlemen have come into my offices.

0:42:350:42:40

I phoned up my solicitor and on legal advice I have paid them,

0:42:410:42:46

but we now have 14 days to dispute the facts.

0:42:460:42:50

The payment was not disputed, however.

0:42:500:42:52

And Anthony got his money and, finally, some closure.

0:42:520:42:56

I do have to thank Craig and Tommy. They've done a fabulous job.

0:42:560:43:00

It was a quick result and I'm very happy. And my family are happy.

0:43:000:43:06

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