Browse content similar to Episode 1. Check below for episodes and series from the same categories and more!
Line | From | To | |
---|---|---|---|
-Meet the sheriffs. -Let's go introduce ourselves. -Got a High Court writ to attend today. | 0:00:02 | 0:00:05 | |
If it's not paid, we'll remove the stock. | 0:00:05 | 0:00:07 | |
-Their job is to get you your money back. -It's about to get physical. | 0:00:07 | 0:00:11 | |
It's an arrestable offence to stop me doing my job. | 0:00:11 | 0:00:13 | |
If you've been ripped off and don't know where to turn... | 0:00:13 | 0:00:16 | |
-We need to deal with it now. -We'll remove vehicles to that value. | 0:00:16 | 0:00:18 | |
If you're acting on his authority, pay it. | 0:00:18 | 0:00:21 | |
..if you've been to court and still not been paid what you're owed... | 0:00:21 | 0:00:24 | |
Are you going to open this building, or am I going to force entry into it? | 0:00:24 | 0:00:27 | |
-You need to pay this. -..it's time to call the sheriffs. | 0:00:27 | 0:00:31 | |
-Don't put your hands on me! -I'm going to call the locksmith, effect entry | 0:00:31 | 0:00:34 | |
-into the premises and remove all the items. -Whoa, whoa! | 0:00:34 | 0:00:37 | |
They're enforcement agents of the High Court. | 0:00:37 | 0:00:40 | |
And the law says they're on your side. | 0:00:40 | 0:00:43 | |
Just collected 42 grand. | 0:00:43 | 0:00:44 | |
Coming up. | 0:00:48 | 0:00:50 | |
When this couple bought themselves a car, things didn't go to plan. | 0:00:50 | 0:00:53 | |
When we were driving faster, it just didn't seem to accelerate. | 0:00:53 | 0:00:57 | |
At that point I was pretty cross. | 0:00:57 | 0:01:00 | |
Craig and Tommy go in search of what they're owed. | 0:01:00 | 0:01:03 | |
-Is that not you, Waterside Car Sales? -Of course I am. | 0:01:03 | 0:01:05 | |
So you are Waterside Car Sales? | 0:01:05 | 0:01:07 | |
What I am saying is we took this name over. | 0:01:07 | 0:01:10 | |
You're digging yourself a bit of a hole now. | 0:01:10 | 0:01:12 | |
No, no, no, I'm not digging myself any hole. | 0:01:12 | 0:01:14 | |
Lawrence and Kev are in a chocolate shop | 0:01:14 | 0:01:16 | |
and they won't leave empty-handed. | 0:01:16 | 0:01:19 | |
You can have 15 minutes but then we are going to clear the place out. | 0:01:19 | 0:01:22 | |
And the sheriffs take on Barclaycard for a large sum. | 0:01:22 | 0:01:26 | |
It is £35,000 plus. | 0:01:26 | 0:01:29 | |
The law's the law. And it applies to everybody. | 0:01:29 | 0:01:32 | |
Today, sheriffs Tommy Coyle and Craig Wild | 0:01:46 | 0:01:49 | |
have a familiar problem to deal with. | 0:01:49 | 0:01:52 | |
Right, we're off to Birmingham today. | 0:01:53 | 0:01:55 | |
Off to see a garage. | 0:01:55 | 0:01:58 | |
Waterside Car Sales. | 0:01:58 | 0:02:00 | |
The claimant in this particular case is a Katie Miller. | 0:02:00 | 0:02:03 | |
She is owed a total of £2,916. | 0:02:04 | 0:02:08 | |
The sheriffs are looking to get Katie her money back | 0:02:09 | 0:02:13 | |
after a car sale went wrong. | 0:02:13 | 0:02:14 | |
Katie and Andrew Miller travelled 50 miles from their home | 0:02:17 | 0:02:21 | |
to Birmingham, to buy a car that Andrew needed to get to work. | 0:02:21 | 0:02:26 | |
So I work as an outdoor instructor. | 0:02:26 | 0:02:28 | |
I love doing it, I get to work with young people every day, | 0:02:28 | 0:02:32 | |
I get to take them on school trips, kayaking and climbing | 0:02:32 | 0:02:35 | |
and caving and things like that. | 0:02:35 | 0:02:37 | |
A car is essential because I've got to get there, | 0:02:37 | 0:02:39 | |
but it also involves taking things like kayaks around on the roof, | 0:02:39 | 0:02:43 | |
and going all around the country. | 0:02:43 | 0:02:45 | |
Andrew needed to find a car, but there wasn't much money. | 0:02:47 | 0:02:51 | |
The couple had recently married and were hoping to have something | 0:02:51 | 0:02:53 | |
left in the bank after buying their wheels. | 0:02:53 | 0:02:57 | |
Our budget was £2,000. | 0:02:57 | 0:02:58 | |
We picked a few cars, we had to look quite far afield | 0:02:58 | 0:03:00 | |
because the criteria was quite tight. | 0:03:00 | 0:03:02 | |
And we found a few in Birmingham, | 0:03:02 | 0:03:04 | |
and Waterside was one of the places we went to. | 0:03:04 | 0:03:07 | |
They came across a VW Golf they both liked. | 0:03:08 | 0:03:11 | |
Mohammed Haque at Waterside Car Sales let them have the Golf | 0:03:11 | 0:03:15 | |
for a price that was within their budget. | 0:03:15 | 0:03:19 | |
He let us take it for a test drive. | 0:03:19 | 0:03:20 | |
It was derby match day in Birmingham, so it was quite busy. | 0:03:20 | 0:03:24 | |
So he...we went for a really short test drive. | 0:03:24 | 0:03:27 | |
It wasn't quite running right, it was a bit jittery. | 0:03:27 | 0:03:30 | |
Obviously raised the concern, and he said, "No, no problem, we'll sort it out. | 0:03:30 | 0:03:33 | |
"I'll get my garage to look at it." | 0:03:33 | 0:03:35 | |
We waited for half an hour, they brought the car back. | 0:03:35 | 0:03:38 | |
Switched it on, drove it a little bit, and absolutely fine, | 0:03:38 | 0:03:40 | |
no problems at all. | 0:03:40 | 0:03:42 | |
We believed it was all sorted and it was just a simple problem. | 0:03:42 | 0:03:45 | |
The couple drove away from Waterside Car Sales happy. | 0:03:45 | 0:03:49 | |
They didn't realise they weren't going to stay that way for long. | 0:03:49 | 0:03:53 | |
The overall driving experience was quite good, | 0:03:54 | 0:03:56 | |
up until we turned the engine off... | 0:03:56 | 0:03:58 | |
and started it back up the next time. | 0:03:58 | 0:04:00 | |
ENGINE STRUGGLES | 0:04:00 | 0:04:02 | |
From there on, it went downhill. | 0:04:02 | 0:04:05 | |
It was very juddery at a slow speed. | 0:04:05 | 0:04:08 | |
And then, when we were driving faster, | 0:04:08 | 0:04:11 | |
it just didn't seem to accelerate. | 0:04:11 | 0:04:13 | |
At that point I was pretty cross. | 0:04:15 | 0:04:18 | |
I wanted to go about getting the car back. | 0:04:20 | 0:04:22 | |
Naturally, they contacted Mohammed Haque at the garage | 0:04:23 | 0:04:26 | |
and asked to bring the car back for a refund. | 0:04:26 | 0:04:29 | |
But the garage only wanted to try and fix it again. | 0:04:31 | 0:04:34 | |
He's already tried to fix it once and didn't. | 0:04:34 | 0:04:38 | |
That's the stage when he started saying, "You have no right to bring | 0:04:38 | 0:04:41 | |
"this car back, what do you expect when you buy a second-hand car?" | 0:04:41 | 0:04:45 | |
We knew that actually if you buy something faulty from someone, | 0:04:45 | 0:04:48 | |
you have rights to take it back. | 0:04:48 | 0:04:51 | |
The couple wisely got in touch with Trading Standards, | 0:04:51 | 0:04:54 | |
to find out what they could do about their badly running car. | 0:04:54 | 0:04:58 | |
We had to have shown willingness for him to fix the car, | 0:04:58 | 0:05:00 | |
so under the guidance of Trading Standards, we asked him | 0:05:00 | 0:05:04 | |
to collect the car, which he was very reluctant to do initially. | 0:05:04 | 0:05:07 | |
He tried to tell me that it as my responsibility | 0:05:07 | 0:05:10 | |
to pay for transport of the car. | 0:05:10 | 0:05:12 | |
I said that actually, legally, I shouldn't have to incur any costs | 0:05:13 | 0:05:17 | |
from this faulty car that he'd sold us. | 0:05:17 | 0:05:19 | |
We ended up finally getting him to agree to collect the car, | 0:05:20 | 0:05:24 | |
-and he had the car for, I think, a couple of months. -Mmm. | 0:05:24 | 0:05:29 | |
When the car was finally ready, | 0:05:29 | 0:05:31 | |
the couple travelled over to Birmingham and collected it. | 0:05:31 | 0:05:34 | |
After two months waiting, they hoped their troubles were over. | 0:05:34 | 0:05:38 | |
Got there, started it up, drove it home again. | 0:05:38 | 0:05:42 | |
And exactly the same problem happened. | 0:05:42 | 0:05:45 | |
After three breakdowns, the couple got on the phone | 0:05:45 | 0:05:48 | |
and demanded their money back. | 0:05:48 | 0:05:50 | |
Waterside Car Sales weren't forthcoming. | 0:05:50 | 0:05:53 | |
He answered the phone and just made excuses. | 0:05:53 | 0:05:56 | |
Didn't want to talk to me... | 0:05:56 | 0:05:59 | |
and just made excuses for leaving the phone conversation, and left. | 0:05:59 | 0:06:04 | |
A local garage told them it would cost hundreds of pounds to | 0:06:04 | 0:06:08 | |
investigate the problem, let alone fix it. | 0:06:08 | 0:06:11 | |
The couple decided to go to court to get their money back. | 0:06:11 | 0:06:15 | |
No-one from Waterside Car Sales attended the hearing, | 0:06:15 | 0:06:18 | |
so Katie and Andrew won a default judgment. | 0:06:18 | 0:06:21 | |
But, two months on, the couple haven't been paid. | 0:06:21 | 0:06:24 | |
The sheriffs are the last hope and the last option we have. | 0:06:24 | 0:06:28 | |
Over in Birmingham, sheriffs Craig and Tommy | 0:06:35 | 0:06:37 | |
are planning to get them the money a court says they are owed. | 0:06:37 | 0:06:41 | |
They've found what appears to be Waterside Car Sales. | 0:06:41 | 0:06:45 | |
Hello, mate. | 0:06:47 | 0:06:48 | |
You the boss? | 0:06:48 | 0:06:50 | |
The man on-site isn't the owner, | 0:06:50 | 0:06:52 | |
but he does get him on the phone for Craig. | 0:06:52 | 0:06:55 | |
What it's to do with, got a court order today | 0:06:56 | 0:06:59 | |
for £2910.71. | 0:06:59 | 0:07:04 | |
He doesn't seem to know about Katie's case. | 0:07:04 | 0:07:08 | |
She's taken the company to court for the money. | 0:07:08 | 0:07:11 | |
And the court... And the company... | 0:07:11 | 0:07:13 | |
Waterside Car Sales. | 0:07:13 | 0:07:15 | |
The man says his name is Mohammed Haque. | 0:07:16 | 0:07:20 | |
But that he runs a different company, | 0:07:20 | 0:07:22 | |
and Waterside Car Sales have moved out. | 0:07:22 | 0:07:26 | |
And when did they go? | 0:07:26 | 0:07:27 | |
Craig thinks he sees evidence to the contrary. | 0:07:29 | 0:07:32 | |
Well, obviously, it is all still signed up here Waterside Car Sales. | 0:07:32 | 0:07:36 | |
Mr Haque says he will come down to the garage. | 0:07:36 | 0:07:40 | |
He said we've got to wait inside. | 0:07:40 | 0:07:42 | |
The sheriffs look inside for evidence of Waterside Car Sales, | 0:07:43 | 0:07:47 | |
and it doesn't take Craig long to find something. | 0:07:47 | 0:07:50 | |
If you carefully look at the very top, | 0:07:52 | 0:07:54 | |
it's got Waterside Car Sales on the top there. | 0:07:54 | 0:07:57 | |
That's what we are looking at. Any more? Any more? | 0:07:57 | 0:08:00 | |
There's a small office in the garage, | 0:08:00 | 0:08:02 | |
and Craig has a look around and finds further clues. | 0:08:02 | 0:08:06 | |
The trade plates in there are Waterside Car Sales. | 0:08:06 | 0:08:10 | |
Even though it is all Waterside on the front, | 0:08:10 | 0:08:13 | |
this Mr Haque reckons he is a director of a limited company | 0:08:13 | 0:08:15 | |
that has taken over this building about two months ago, he said. | 0:08:15 | 0:08:20 | |
I don't believe him, to be fair, | 0:08:20 | 0:08:22 | |
I think he's got something to do with their company. | 0:08:22 | 0:08:24 | |
Moments later, Mr Haque arrives. | 0:08:26 | 0:08:29 | |
Hello, sir. | 0:08:29 | 0:08:30 | |
Perhaps he can explain which company this is. | 0:08:31 | 0:08:35 | |
What we're saying is, the judgment is for £2910.71, so... | 0:08:37 | 0:08:43 | |
how do you want to pay it? | 0:08:43 | 0:08:45 | |
Mr Haque believes he has proof | 0:08:45 | 0:08:47 | |
that a different company now operates here. | 0:08:47 | 0:08:50 | |
-This is us. -This is you here? -Yes. | 0:08:50 | 0:08:52 | |
-Do you know anything about Waterside at all? -Waterside used to be here. | 0:08:52 | 0:08:56 | |
We are still using their sign, but we are them. | 0:08:56 | 0:09:00 | |
Right, OK. | 0:09:00 | 0:09:01 | |
But Mr Haque isn't convincing Craig and Tommy. | 0:09:03 | 0:09:06 | |
Why are you still using their signage and their cards? | 0:09:06 | 0:09:08 | |
Because we can't afford to put any new signs in at the moment. | 0:09:08 | 0:09:11 | |
-You're saying you have nothing to do with Waterside whatsoever? -No. | 0:09:11 | 0:09:14 | |
-This is us. -I appreciate that, yeah. | 0:09:14 | 0:09:17 | |
When you arrived here, as M & J Midlands Ltd, | 0:09:18 | 0:09:21 | |
the place was empty, Waterside had gone and everything else? | 0:09:21 | 0:09:24 | |
-Everyone was gone. -Why are you still using their trade plates? -Sorry? | 0:09:24 | 0:09:28 | |
-Why are you still using their trade plates? -We took it over. | 0:09:28 | 0:09:31 | |
Till this expire, we... | 0:09:31 | 0:09:33 | |
Why didn't Waterside, when they left, take these with them? | 0:09:33 | 0:09:38 | |
They left it there. What am I supposed to do? | 0:09:38 | 0:09:39 | |
Well, you shouldn't be using them, should you? | 0:09:39 | 0:09:41 | |
-I shouldn't be using them, no. -No. | 0:09:41 | 0:09:43 | |
When I said to you, when you moved into here and it was all empty, | 0:09:45 | 0:09:49 | |
that wasn't true, then, because they've obviously left these, haven't they? | 0:09:49 | 0:09:52 | |
The sheriffs decide to confront Mr Haque with more of their findings. | 0:09:52 | 0:09:56 | |
They hope he'll realise he must pay the bill. | 0:09:56 | 0:10:00 | |
Did they leave any cars? | 0:10:00 | 0:10:01 | |
No. They wouldn't leave any cars, would they? | 0:10:01 | 0:10:05 | |
-When we moved in here, there was no cars. -Right. | 0:10:05 | 0:10:07 | |
So far, it's not looking good for the sheriffs. | 0:10:07 | 0:10:10 | |
Although Craig has found evidence | 0:10:10 | 0:10:12 | |
he thinks disproves Mr Haque's story about a new company, | 0:10:12 | 0:10:16 | |
he's no closer to convincing him to pay up. | 0:10:16 | 0:10:20 | |
Later on, the sheriffs make a discovery that changes everything. | 0:10:20 | 0:10:24 | |
There you go. Waterside Cars Ltd. | 0:10:24 | 0:10:27 | |
Kev McNally and Lawrence Grix are out on patrol today, | 0:10:37 | 0:10:41 | |
looking to recover a debt. | 0:10:41 | 0:10:43 | |
Enforcement agent Kev has got his thinking cap on. | 0:10:43 | 0:10:46 | |
We are in Cambridge at the moment. | 0:10:46 | 0:10:49 | |
We are going to Chocolat Chocolat. | 0:10:49 | 0:10:51 | |
I presume it's a chocolate shop. | 0:10:52 | 0:10:54 | |
They owe £1,793. | 0:10:56 | 0:10:59 | |
Kev suspects Lawrence would take payment in kind. | 0:10:59 | 0:11:03 | |
Maybe Lawrence likes a bit of chocolate, | 0:11:03 | 0:11:05 | |
he's nodding his head there. | 0:11:05 | 0:11:07 | |
Chocolate and gin and tonic, I think. | 0:11:07 | 0:11:09 | |
But the sheriffs won't be getting any chocolate | 0:11:11 | 0:11:14 | |
-until they find out where they're going. -I've got no idea. | 0:11:14 | 0:11:17 | |
I've gone the wrong way. | 0:11:17 | 0:11:20 | |
But every way they go is wrong. | 0:11:20 | 0:11:23 | |
It says, "Authorised vehicles, bollards, CCTV in use." | 0:11:24 | 0:11:28 | |
Well... | 0:11:28 | 0:11:29 | |
Nearly a mile from it, so I'm not walking for a mile. | 0:11:31 | 0:11:34 | |
The sheriffs have got a major battle on their hands this morning - | 0:11:34 | 0:11:37 | |
getting through Cambridge's traffic control system. | 0:11:37 | 0:11:41 | |
I'm going back round this way again, because I think it's somewhere... | 0:11:41 | 0:11:44 | |
Oh, no, buses only. | 0:11:45 | 0:11:47 | |
Where the hell are we? | 0:11:48 | 0:11:50 | |
This place is a serious joke. | 0:11:50 | 0:11:52 | |
Anyone watching, don't come to Cambridge, you won't get anywhere. | 0:11:52 | 0:11:56 | |
A driver like me, I'd... Ah!! | 0:11:56 | 0:11:58 | |
-No, that is a pedestrian zone. So we will go back around here, then. -Yeah. | 0:11:58 | 0:12:03 | |
-Look, no entry. -This place is a joke! | 0:12:04 | 0:12:08 | |
Still half a mile away. | 0:12:08 | 0:12:10 | |
Finally, a breakthrough. | 0:12:10 | 0:12:12 | |
Right, I am a legend. Keep going. | 0:12:12 | 0:12:16 | |
No, seriously, we'll be there in a minute. | 0:12:17 | 0:12:19 | |
Unless that's the river. | 0:12:21 | 0:12:22 | |
HE LAUGHS | 0:12:22 | 0:12:26 | |
We're definitely going to get there now because it is one way | 0:12:27 | 0:12:30 | |
all the way to it. Literally the best co-pilot ever. | 0:12:30 | 0:12:32 | |
Don't worry about me. | 0:12:32 | 0:12:34 | |
They've found the chocolate shop. | 0:12:34 | 0:12:36 | |
But not the parking space they'll need for the van. | 0:12:36 | 0:12:38 | |
They'll have to park somewhere if they want to collect this debt. | 0:12:38 | 0:12:42 | |
It's literally about an hour walk from here. | 0:12:46 | 0:12:49 | |
But it seems the distance is no object | 0:12:50 | 0:12:53 | |
to a sheriff with a chocolate shop to find. | 0:12:53 | 0:12:55 | |
Lawrence just wants to get stuck into the chocolate. | 0:12:55 | 0:12:58 | |
Look at him, he is rampaging his way towards there. | 0:12:58 | 0:13:02 | |
Just want to get there. I only put an hour on the parking meter, | 0:13:02 | 0:13:05 | |
it's half hour walk from the van, isn't it? | 0:13:05 | 0:13:08 | |
Got a vision of...turn up at the shop | 0:13:08 | 0:13:09 | |
and he's already eaten half the stock. | 0:13:09 | 0:13:11 | |
He's got chocolate covering his face and wrappers everywhere. | 0:13:11 | 0:13:15 | |
Eventually, the sheriffs arrive at the chocolate shop. | 0:13:15 | 0:13:18 | |
But master of directions Kev has missed the sweet spot. | 0:13:18 | 0:13:22 | |
-Where's he going? -No-one told me it was here. That's a surprise. | 0:13:22 | 0:13:27 | |
-Hello, there. Are either of you the owner at all? -I'm the manager. | 0:13:27 | 0:13:31 | |
My name's Mr Grix, my colleague and I are enforcement agents. | 0:13:31 | 0:13:34 | |
We've got a High Court writ to execute for Chocolat Chocolat. | 0:13:34 | 0:13:37 | |
We are here today to take control of goods to the value of £1790.50, | 0:13:37 | 0:13:42 | |
which will basically mean everything in here. | 0:13:42 | 0:13:46 | |
The young store manager is worried. | 0:13:46 | 0:13:48 | |
She clearly knew nothing about this. | 0:13:48 | 0:13:51 | |
Are you able to get the owner on the phone? | 0:13:51 | 0:13:53 | |
Is she? | 0:13:55 | 0:13:57 | |
Can you get them on the phone? | 0:13:57 | 0:13:58 | |
I think that is probably best. | 0:14:00 | 0:14:02 | |
The manager doesn't want her chocolate shop emptied of stock, | 0:14:02 | 0:14:06 | |
and she's been dropped in at the deep end. | 0:14:06 | 0:14:08 | |
No worries. | 0:14:11 | 0:14:12 | |
The seriousness of the situation is starting to dawn on the staff, | 0:14:15 | 0:14:19 | |
and they shut the shop. | 0:14:19 | 0:14:20 | |
Eventually they do make contact with the absent shop owner's daughter, | 0:14:22 | 0:14:27 | |
and put Lawrence on. | 0:14:27 | 0:14:29 | |
She asks for more time to pay. | 0:14:29 | 0:14:31 | |
You can have 15 minutes but then we are going to roll the truck | 0:14:31 | 0:14:34 | |
to come and clear the place out. | 0:14:34 | 0:14:36 | |
Because we've been here half an hour already. | 0:14:37 | 0:14:39 | |
OK. All right, bye-bye. | 0:14:41 | 0:14:44 | |
With nearly £2,000 to pay, the sheriffs would have to take | 0:14:44 | 0:14:48 | |
a lot of chocolate, so Kev is looking for other options. | 0:14:48 | 0:14:52 | |
There's a few bits of furniture round here for a start. | 0:14:52 | 0:14:54 | |
There's lots of ceramic gift stuff. Downstairs, it's the same. | 0:14:54 | 0:14:58 | |
Lots of chocolate, computers down there, printers. | 0:14:59 | 0:15:04 | |
A few appliances around, a couple of fridges. | 0:15:04 | 0:15:07 | |
And sort of chocolate mixing... | 0:15:08 | 0:15:11 | |
equipment. | 0:15:11 | 0:15:13 | |
But the sheriffs would prefer money. | 0:15:13 | 0:15:15 | |
The elder daughter who I've just spoken to says | 0:15:16 | 0:15:19 | |
she's the owner of the business, but she's got no access to any funds. | 0:15:19 | 0:15:22 | |
Which I find a bit hard to swallow, | 0:15:22 | 0:15:25 | |
unlike chocolate. | 0:15:25 | 0:15:26 | |
So we are just waiting now, I've given her 15 minutes to try | 0:15:28 | 0:15:31 | |
and get in touch with her parents. | 0:15:31 | 0:15:33 | |
If she's the owner, she should be able to deal with it, is my opinion. | 0:15:33 | 0:15:37 | |
It clearly wasn't the ideal day to look for payment. | 0:15:38 | 0:15:42 | |
Despite the ongoing negotiations, Kev thinks Lawrence is holding back. | 0:15:42 | 0:15:47 | |
Don't really like chocolate. It is way too sweet in here for me. | 0:15:47 | 0:15:50 | |
A bit concerned. | 0:15:53 | 0:15:55 | |
He's got the devil in him over there. | 0:15:55 | 0:15:57 | |
Struggling to contain himself. | 0:15:57 | 0:15:59 | |
KEV LAUGHS | 0:16:00 | 0:16:02 | |
But before Lawrence can indulge himself, | 0:16:03 | 0:16:05 | |
the owner phones through with good news. | 0:16:05 | 0:16:09 | |
It's been paid by card? | 0:16:09 | 0:16:10 | |
Right, I'll get onto my office now and check, | 0:16:12 | 0:16:14 | |
because if it's done by card, it is instantaneous. | 0:16:14 | 0:16:17 | |
I'll issue a receipt and leave it with one of the ladies here. | 0:16:17 | 0:16:21 | |
All right, thanks. Bye. | 0:16:21 | 0:16:22 | |
But, just to make sure no-one fudged the payment, | 0:16:24 | 0:16:27 | |
Lawrence is checking that the money has been received at the office. | 0:16:27 | 0:16:32 | |
All right, lovely. Yeah, cheers. | 0:16:32 | 0:16:36 | |
Bye. | 0:16:36 | 0:16:37 | |
Yeah, it's there. | 0:16:39 | 0:16:41 | |
Can't ask more than that, paid. On our way. | 0:16:41 | 0:16:44 | |
It's been a difficult morning for the young manager, | 0:16:45 | 0:16:48 | |
but she wouldn't have a shop to manage | 0:16:48 | 0:16:50 | |
if the sheriffs had to take control of the chocolate. | 0:16:50 | 0:16:53 | |
-Thanks a lot. See you later, guys. -Cheers. | 0:16:53 | 0:16:55 | |
Successful job in the end. | 0:16:55 | 0:16:58 | |
Went in there, no dramas. | 0:16:58 | 0:16:59 | |
Once she established what it was, paid on her bank transfer, | 0:16:59 | 0:17:03 | |
so, yeah, full payment. It wasn't a huge sum of money. | 0:17:03 | 0:17:06 | |
I think it is a busy shop. You could tell by the amount of people when we got in there, | 0:17:06 | 0:17:10 | |
and then the amount of people while they were shut, while we were there. | 0:17:10 | 0:17:13 | |
Just wanted to get the shop open and running again. But they paid | 0:17:13 | 0:17:16 | |
the full amount, £1,800 just about. | 0:17:16 | 0:17:19 | |
On we go, they're open for trading again. All things good. | 0:17:19 | 0:17:23 | |
All they have to do now is find their way out of the Cambridge | 0:17:23 | 0:17:26 | |
traffic system. | 0:17:26 | 0:17:27 | |
The shop told us... | 0:17:29 | 0:17:30 | |
Back in Birmingham, Craig and Tommy are at Waterside Car Sales, | 0:17:49 | 0:17:53 | |
on behalf of Katie and Andrew Miller. They've found a man | 0:17:53 | 0:17:56 | |
who says he has nothing to do with the debtor company. | 0:17:56 | 0:17:59 | |
-When we moved in here, there's no cars. -Right. | 0:17:59 | 0:18:02 | |
But they don't believe him. | 0:18:02 | 0:18:04 | |
Just to put the final nail in the coffin, | 0:18:06 | 0:18:08 | |
there's at least three cars, right, | 0:18:08 | 0:18:12 | |
which still have the sale particulars in the windscreen for Waterside. | 0:18:12 | 0:18:17 | |
-Waterside? -So, in your infinite wisdom, what you did... | 0:18:17 | 0:18:20 | |
you found some trade plate | 0:18:20 | 0:18:22 | |
and you found some paperwork which was Waterside | 0:18:22 | 0:18:26 | |
and you put that paperwork in your cars to sell it under the terms | 0:18:26 | 0:18:29 | |
of Waterside, is that what you're saying? You're digging a hole. | 0:18:29 | 0:18:32 | |
No, no. I'm not digging myself any hole. | 0:18:32 | 0:18:35 | |
-Do you want me to show you? Come on! -I'm not... -Show you. | 0:18:35 | 0:18:38 | |
-Your telephone number... -Of course, it's mine. -It's on Waterside. | 0:18:38 | 0:18:42 | |
-This is what I'm using for the moment. -Why are you using this? | 0:18:42 | 0:18:44 | |
You said Waterside left two months ago. | 0:18:44 | 0:18:46 | |
Why would this document be in a car for sale | 0:18:46 | 0:18:49 | |
under the banner of Waterside, now, if they'd moved out two months ago? | 0:18:49 | 0:18:54 | |
But I'm using... | 0:18:54 | 0:18:55 | |
And why would we have the actual trade plates | 0:18:55 | 0:18:58 | |
in Waterside name as well? | 0:18:58 | 0:19:00 | |
I just... | 0:19:00 | 0:19:02 | |
Can you show me the purchase document for this vehicle then? | 0:19:02 | 0:19:05 | |
-This vehicle? -Yes. -I'll show you. -Thank you. | 0:19:05 | 0:19:07 | |
The Sheriffs have the power to search a debtor's premises | 0:19:08 | 0:19:11 | |
for information concerning their writ. | 0:19:11 | 0:19:14 | |
-Excuse me! -This is called diligent search. | 0:19:14 | 0:19:16 | |
Can you not go through personal stuff? | 0:19:16 | 0:19:18 | |
I'm going to have to go through it, sir, because I believe the company | 0:19:18 | 0:19:21 | |
is still trading from here. | 0:19:21 | 0:19:23 | |
Delving through the files doesn't show Waterside Car Sales have gone. | 0:19:23 | 0:19:27 | |
There you go! Waterside Cars. That's corporation tax. | 0:19:30 | 0:19:35 | |
That's not you? | 0:19:35 | 0:19:36 | |
They left that paperwork as well, did they? Is that not you? | 0:19:36 | 0:19:39 | |
-Waterside Car Sales? -Of course I am! -So you are Waterside Car Sales? | 0:19:39 | 0:19:42 | |
What I'm saying is, we took this name over. It was there. | 0:19:42 | 0:19:47 | |
We're finding vehicles which are for sale with Waterside in the windscreen | 0:19:47 | 0:19:51 | |
which has the same telephone number as yours, printed, not handwritten. | 0:19:51 | 0:19:55 | |
The evidence suggests this is still Waterside Car Sales. | 0:19:55 | 0:19:59 | |
You shouldn't be using their signage. | 0:19:59 | 0:20:02 | |
It doesn't make sense to do that. | 0:20:02 | 0:20:03 | |
I'm suggesting Waterside Car Sales is still operating from these premises. | 0:20:03 | 0:20:07 | |
You're selling vehicles on behalf of Waterside. | 0:20:07 | 0:20:10 | |
-I'm not selling cars... -They are. They're there! | 0:20:10 | 0:20:13 | |
All the Sheriffs think they need now | 0:20:13 | 0:20:15 | |
is one killer piece of paperwork that links this man to this company. | 0:20:15 | 0:20:20 | |
Mohammed Haque? | 0:20:20 | 0:20:21 | |
Yes. | 0:20:21 | 0:20:23 | |
"Mohammed Haque, Waterside Car Sales." | 0:20:23 | 0:20:26 | |
Here we go! | 0:20:26 | 0:20:27 | |
It clearly says, "Mohammed Haque, Waterside Cars." | 0:20:27 | 0:20:31 | |
But you have nothing to do with it? | 0:20:31 | 0:20:33 | |
I just told you, sir. This is what I'm using, Waterside Cars' name. | 0:20:33 | 0:20:36 | |
You shouldn't be using another company's name, sir. | 0:20:36 | 0:20:39 | |
-Of course I can. -Is that fraud then? -How could it be fraud? | 0:20:39 | 0:20:42 | |
There's no point us going round in circles. | 0:20:42 | 0:20:44 | |
I want to list down all the vehicles outside. | 0:20:44 | 0:20:47 | |
You can talk to me about payment, OK? | 0:20:47 | 0:20:49 | |
I'm going to start taking control of all your vehicles outside. | 0:20:49 | 0:20:53 | |
The Sheriffs hope the man might come to his senses | 0:20:53 | 0:20:56 | |
once he realises the Sheriffs are going to take control of his stock. | 0:20:56 | 0:21:00 | |
And Craig makes sure he realises what Tommy is doing. | 0:21:00 | 0:21:04 | |
If you can't pay this bill, then we're going to take further steps | 0:21:04 | 0:21:07 | |
-to take them away today. -But, he... | 0:21:07 | 0:21:09 | |
It's your choice, Mr Haque. | 0:21:11 | 0:21:13 | |
It's your choice. | 0:21:13 | 0:21:14 | |
There's enough evidence showing, basically, our company is here. | 0:21:14 | 0:21:18 | |
So, we can, yeah. | 0:21:18 | 0:21:19 | |
Finally, Mr Haque of Waterside Car Sales | 0:21:19 | 0:21:22 | |
is beginning to talk about paying some money. | 0:21:22 | 0:21:25 | |
I don't have this kind of money to pay straight away. | 0:21:26 | 0:21:29 | |
I can't help you out then, Mr Haque. | 0:21:29 | 0:21:31 | |
How you run your business is up to you. | 0:21:31 | 0:21:34 | |
But you have to give me some time. | 0:21:34 | 0:21:36 | |
-No, we don't. -But how you expect me to pay that kind of money? | 0:21:36 | 0:21:40 | |
Because the courts say you have to. | 0:21:40 | 0:21:42 | |
If you want to pay it, you can do. | 0:21:42 | 0:21:44 | |
Or we can execute it now at further cost to yourself. | 0:21:44 | 0:21:47 | |
If they execute the writ, | 0:21:47 | 0:21:48 | |
that will mean taking control of vehicles on the forecourt. | 0:21:48 | 0:21:52 | |
Craig gives Mr Haque a moment to think about paying up... | 0:21:52 | 0:21:56 | |
You've got a breakdown here, sir. | 0:21:56 | 0:21:58 | |
Let me... Have you got a card reader? | 0:21:59 | 0:22:02 | |
..and he's told Tommy he'll pay up in full - via credit card. | 0:22:02 | 0:22:07 | |
Katie and Andrew will get their money back | 0:22:07 | 0:22:09 | |
from Waterside Car Sales after all. | 0:22:09 | 0:22:12 | |
That's the £1,000 off the account. | 0:22:12 | 0:22:14 | |
But even that won't be straightforward. | 0:22:14 | 0:22:17 | |
It will be paid off by several different credit cards. | 0:22:17 | 0:22:20 | |
-OK. How much do you want on that one, sir? -£1,700. | 0:22:20 | 0:22:23 | |
So, £210 and...71 pence now. | 0:22:24 | 0:22:27 | |
Piece of friendly advice, | 0:22:30 | 0:22:31 | |
I would disassociate yourself | 0:22:31 | 0:22:33 | |
from anything to do with Waterside Car Sales in future. | 0:22:33 | 0:22:37 | |
OK? | 0:22:38 | 0:22:39 | |
-I'll leave that with you. -Bye-bye now. | 0:22:39 | 0:22:42 | |
It took some detective work, but the Sheriffs are happy. | 0:22:42 | 0:22:45 | |
Lured him into the trap of saying what he needs to say | 0:22:46 | 0:22:49 | |
to hang himself really. | 0:22:49 | 0:22:51 | |
£2,940 he's paid over three card payments. | 0:22:52 | 0:22:56 | |
Tommy just handed me the piece de resistance. | 0:22:56 | 0:22:59 | |
That's his card! | 0:23:00 | 0:23:02 | |
Apparently he's got nothing to do with that company, | 0:23:02 | 0:23:04 | |
but they're all over his desk. | 0:23:04 | 0:23:06 | |
It's another challenging job over for Craig and Tommy. | 0:23:06 | 0:23:10 | |
But more importantly, | 0:23:10 | 0:23:11 | |
it means Katie and Andrew getting back the money they are owed. | 0:23:11 | 0:23:16 | |
The whole...him denying who he was | 0:23:16 | 0:23:18 | |
and trying to get out of paying doesn't surprise us at all, does it? | 0:23:18 | 0:23:22 | |
Thank you so much to the sheriffs, Craig and Tommy. | 0:23:22 | 0:23:25 | |
They've been fantastic. | 0:23:25 | 0:23:27 | |
It's an end to this whole saga. We'll be able to put it behind us. | 0:23:27 | 0:23:31 | |
Mr Haque told us that the company's registered address is elsewhere, | 0:23:31 | 0:23:35 | |
not the garage where the Sheriffs enforced. | 0:23:35 | 0:23:38 | |
He said everyone had the legal right to a warranty, | 0:23:38 | 0:23:41 | |
but that the clients had not written to him | 0:23:41 | 0:23:43 | |
and that he had offered them a refund or repair. | 0:23:43 | 0:23:46 | |
There have been Sheriffs since Saxon times | 0:24:01 | 0:24:04 | |
and they only enforce High Court writs. | 0:24:04 | 0:24:07 | |
I've got a High Court writ I'm executing here. | 0:24:07 | 0:24:09 | |
It doesn't matter what the dispute is, you have to pay. | 0:24:09 | 0:24:12 | |
If you've been awarded money by a court but haven't been paid, | 0:24:12 | 0:24:16 | |
the Sheriffs can get you what you are owed. | 0:24:16 | 0:24:19 | |
He hasn't been paid so he's transferred it up to the High Court | 0:24:19 | 0:24:22 | |
for enforcement purposes. | 0:24:22 | 0:24:23 | |
If the debtor won't pay, Sheriffs have the power to remove goods | 0:24:23 | 0:24:27 | |
and have them sold at auction to repay the debt. | 0:24:27 | 0:24:30 | |
I'll take the keys and look after them until we get payment. | 0:24:30 | 0:24:33 | |
We've got an awful lot of stuff to take out to clear the debt. | 0:24:33 | 0:24:36 | |
A High Court writ costs £60. | 0:24:36 | 0:24:38 | |
If the Sheriffs are successful, | 0:24:38 | 0:24:40 | |
there's nothing more for the clients to pay. | 0:24:40 | 0:24:43 | |
So, £6,900 there. | 0:24:43 | 0:24:45 | |
Paid it straightaway so it's all good. | 0:24:45 | 0:24:48 | |
If they are unsuccessful, the only cost is a compliance fee | 0:24:48 | 0:24:51 | |
of £75 plus VAT for each enforcement. | 0:24:51 | 0:24:55 | |
Some jobs require the Sheriffs to take on some of the country's | 0:25:07 | 0:25:10 | |
biggest brands and household names who've been ordered to pay up. | 0:25:10 | 0:25:15 | |
And today, Tommy and Craig find themselves a few miles away | 0:25:15 | 0:25:18 | |
from a giant of the financial world. | 0:25:18 | 0:25:21 | |
We're on way to go and do a job | 0:25:23 | 0:25:25 | |
on behalf of Mr Noel Daniels. | 0:25:25 | 0:25:26 | |
Noel has gone to court and sued Barclaycard, of all people. | 0:25:28 | 0:25:32 | |
Paperwork has been sent to their office in London | 0:25:32 | 0:25:34 | |
which they've failed to respond by. | 0:25:34 | 0:25:37 | |
We've also visited their mail centre in Leicester. | 0:25:37 | 0:25:40 | |
They failed to respond to any of the paperwork | 0:25:40 | 0:25:43 | |
so we're off to Northampton today, which is their main head office, | 0:25:43 | 0:25:47 | |
with a view to collecting the outstanding balance, | 0:25:47 | 0:25:50 | |
which is £35,000 plus. | 0:25:50 | 0:25:52 | |
So, a large debt... | 0:25:53 | 0:25:55 | |
..large organisation. | 0:25:56 | 0:25:58 | |
And, hopefully, we'll do our best and get the money for him. | 0:25:58 | 0:26:02 | |
The claim was for damages | 0:26:02 | 0:26:04 | |
after Barclaycard made a Payment Protection Insurance, or PPI, | 0:26:04 | 0:26:07 | |
repayment to a customer of around £1,500. | 0:26:07 | 0:26:10 | |
It's not every day that the Sheriffs go up against a billion-pound company, | 0:26:12 | 0:26:16 | |
so they are expecting to encounter resistance. | 0:26:16 | 0:26:19 | |
We'll be dealing with, initially, security on the gate, | 0:26:19 | 0:26:22 | |
then the claims department, | 0:26:22 | 0:26:24 | |
then we'll deal with the finance department. | 0:26:24 | 0:26:27 | |
So, a multitude of layers to go through. | 0:26:27 | 0:26:29 | |
They're like any other defendant, that's what you have to remember. | 0:26:29 | 0:26:32 | |
We have the same powers. The law's the law - | 0:26:32 | 0:26:35 | |
and it applies to everybody. | 0:26:35 | 0:26:37 | |
So, is this all Barclaycard? | 0:26:42 | 0:26:44 | |
Everything. It's all Barclaycard. | 0:26:44 | 0:26:46 | |
The site is so big, there's a queue to get in. | 0:26:46 | 0:26:49 | |
Mate, this is a big corporate job, this is. | 0:26:50 | 0:26:54 | |
The Sheriffs' first hurdle is going to be a security guard | 0:26:54 | 0:26:57 | |
checking who comes onto the site. | 0:26:57 | 0:26:59 | |
First obstacle is getting through security. | 0:26:59 | 0:27:02 | |
Obviously, they're going to stop us. They'll want to know... | 0:27:02 | 0:27:05 | |
I have to explain who I am and why I'm here. | 0:27:05 | 0:27:07 | |
Normally, a big corporate company like this, | 0:27:07 | 0:27:10 | |
I give them a bit of respect, as in I'll wait a small amount of time. | 0:27:10 | 0:27:13 | |
It's a large sum of money. | 0:27:13 | 0:27:15 | |
They should be getting someone down here rapid. | 0:27:15 | 0:27:17 | |
We've got the law on our side. | 0:27:17 | 0:27:18 | |
Here we go! Here we go! Here we go! | 0:27:18 | 0:27:20 | |
The Sheriffs get ready to talk to security. | 0:27:21 | 0:27:25 | |
He'll want to chat with us, won't he? Shall we? Or just crack on? | 0:27:25 | 0:27:29 | |
Just crack on. | 0:27:29 | 0:27:30 | |
The Sheriffs decide to simply drive in. | 0:27:32 | 0:27:35 | |
Go, go, go! | 0:27:35 | 0:27:36 | |
They do have a High Court writ, after all. | 0:27:36 | 0:27:39 | |
Da, da, da! | 0:27:39 | 0:27:40 | |
There you go, son! | 0:27:42 | 0:27:44 | |
Simple, but the low ceiling car park could be a problem. | 0:27:44 | 0:27:48 | |
-You worried, Tommy? -I am about the roof, mate. Look at it! | 0:27:48 | 0:27:51 | |
You've got plenty of room. 2.2 metres. | 0:27:53 | 0:27:56 | |
Well, first hurdle done! We're on site. | 0:27:56 | 0:27:58 | |
But they so nearly weren't. | 0:28:02 | 0:28:04 | |
The guy's gone now. He's gone. | 0:28:04 | 0:28:06 | |
The barrier is down now, look. | 0:28:06 | 0:28:08 | |
Let's just keep going. | 0:28:08 | 0:28:09 | |
But they're on a massive site - they need to find an entrance. | 0:28:12 | 0:28:16 | |
We're here now so it's just reception. | 0:28:16 | 0:28:20 | |
This isn't the main reception, I don't think. Is it? | 0:28:20 | 0:28:22 | |
-It is. -It is! -Well, it's got A reception. | 0:28:23 | 0:28:25 | |
The Sheriffs can force entry to commercial premises... | 0:28:25 | 0:28:28 | |
-You can't get in! -Staff entrance. Where's the main entrance? | 0:28:28 | 0:28:32 | |
It's that side. We need to go all the way around. | 0:28:32 | 0:28:34 | |
But there's probably an open door elsewhere! | 0:28:34 | 0:28:37 | |
With over 3,000 people employed at this site, it's no wonder | 0:28:37 | 0:28:41 | |
the building is so big that they can't find the entrance. | 0:28:41 | 0:28:45 | |
It's huge! | 0:28:46 | 0:28:47 | |
Freezing, I am! | 0:28:48 | 0:28:49 | |
But, finally, the Sheriffs are in reception | 0:28:52 | 0:28:55 | |
and now have the task of finding the right person to speak to. | 0:28:55 | 0:28:58 | |
What they don't want is to get fobbed off. | 0:28:58 | 0:29:01 | |
Can I speak to someone from the finance department? | 0:29:01 | 0:29:04 | |
I'm an enforcement agent. | 0:29:04 | 0:29:05 | |
-RECEPTIONIST: Sure. Bear with me a second. -Thank you very much. | 0:29:05 | 0:29:09 | |
It's an enforcement agent... | 0:29:13 | 0:29:14 | |
Yes, please. Thank you. Bye. | 0:29:14 | 0:29:16 | |
Checking, because I wouldn't know where to direct you. | 0:29:16 | 0:29:19 | |
That's fine. | 0:29:19 | 0:29:20 | |
-We'll get our security manager. -Thank you very much. | 0:29:20 | 0:29:23 | |
Tommy and Craig were hoping to go direct to the finance team. | 0:29:26 | 0:29:30 | |
But now the security manager has come to see them. | 0:29:30 | 0:29:34 | |
We haven't been told about your filming. | 0:29:34 | 0:29:36 | |
He wants our camera to leave the building. | 0:29:36 | 0:29:39 | |
If you could. Thank you. | 0:29:39 | 0:29:41 | |
But Craig and Tommy are staying inside to negotiate. | 0:29:44 | 0:29:48 | |
And soon enough, Craig has some news. | 0:29:51 | 0:29:54 | |
We managed to get through the first two or three tiers, | 0:29:55 | 0:29:58 | |
we're now talking to their legal counsel. | 0:29:58 | 0:30:01 | |
They've asked for further legal paperwork from our head office. | 0:30:03 | 0:30:07 | |
But at the moment, it's looking positive. | 0:30:07 | 0:30:09 | |
It's just a waiting game. We've been an hour on site, | 0:30:09 | 0:30:12 | |
which is justifiable for them to have sufficient time | 0:30:12 | 0:30:16 | |
to dig into this situation if they wanted to sort it out. | 0:30:16 | 0:30:20 | |
Craig heads back inside to rejoin the negotiation. | 0:30:25 | 0:30:29 | |
Two heads are better than one | 0:30:29 | 0:30:30 | |
when you are trying to negotiate a 35,000 plus payment | 0:30:30 | 0:30:34 | |
from the legal team of a giant of the financial industry. | 0:30:34 | 0:30:38 | |
Outside the building, all seems calm. | 0:30:41 | 0:30:45 | |
But inside, the Sheriffs are locking horns with Barclaycard | 0:30:45 | 0:30:48 | |
to get their client paid. | 0:30:48 | 0:30:51 | |
Not surprisingly, the legal team at Barclaycard are not happy. | 0:30:51 | 0:30:55 | |
After two-and-a-half hours inside the building, | 0:30:55 | 0:30:57 | |
Craig has an update. | 0:30:57 | 0:30:59 | |
The legal counsel from Barclaycard have come back to us. | 0:31:01 | 0:31:05 | |
They say they don't acknowledge the claim, | 0:31:05 | 0:31:07 | |
they don't acknowledge the actual defendant. | 0:31:07 | 0:31:11 | |
However, given the situation they're faced with, | 0:31:11 | 0:31:14 | |
they'll make full and final payment today. | 0:31:14 | 0:31:17 | |
They are going to go back to court. | 0:31:17 | 0:31:20 | |
That's their right to do so, | 0:31:20 | 0:31:22 | |
but, obviously, from today, the payment will be made | 0:31:22 | 0:31:25 | |
in the form of a bank transfer in full and final settlement. | 0:31:25 | 0:31:29 | |
Craig heads back in to collect the balance as a happy man. | 0:31:33 | 0:31:37 | |
But hours later, he still isn't finished. | 0:31:37 | 0:31:40 | |
Once back inside, the battle to get paid was far from over. | 0:31:41 | 0:31:45 | |
The Sheriffs allowed Barclaycard what they felt | 0:31:45 | 0:31:47 | |
was a reasonable time to pay, but no transfer was made. | 0:31:47 | 0:31:52 | |
In accordance with their writ, they informed the Barclaycard team | 0:31:52 | 0:31:56 | |
that they intended to take control of company items to clear the debt. | 0:31:56 | 0:32:00 | |
At which point, the team offered to pay the debt on their credit cards. | 0:32:00 | 0:32:04 | |
It's been a remarkable end to the enforcement. | 0:32:06 | 0:32:09 | |
Bit of a battle that one. | 0:32:10 | 0:32:12 | |
It was a five-hour period to get it paid. | 0:32:12 | 0:32:15 | |
Me and Craig got to a point where we weren't happy | 0:32:15 | 0:32:17 | |
with the evidence they were producing reference this transfer. | 0:32:17 | 0:32:21 | |
Our pressure point was that we would wander around, | 0:32:21 | 0:32:24 | |
take control of goods which we're there to do and legally can. | 0:32:24 | 0:32:27 | |
That prompted the credit card payments. | 0:32:27 | 0:32:30 | |
They got all the hierarchy from the building lined up outside | 0:32:30 | 0:32:33 | |
the office and, one by one, | 0:32:33 | 0:32:35 | |
they came in paying 9,000, 7,000, 6,000, | 0:32:35 | 0:32:39 | |
4,000... | 0:32:39 | 0:32:40 | |
Eventually, over a number of cards, they managed to pay it off. | 0:32:40 | 0:32:44 | |
Obviously, we're there to get full payment. | 0:32:44 | 0:32:46 | |
As long as it takes, we'll stay whether it's all day. | 0:32:46 | 0:32:49 | |
We'll still be there. We got the result we wanted in the end. | 0:32:49 | 0:32:52 | |
Following the Sheriffs' enforcement Barclaycard told us: | 0:32:54 | 0:32:59 | |
Due to an internal administration error, | 0:32:59 | 0:33:01 | |
the relevant court papers did not reach their Legal team | 0:33:01 | 0:33:04 | |
and they had no opportunity to respond in court. | 0:33:04 | 0:33:07 | |
They say they have already issued a cheque to Mr Daniels | 0:33:07 | 0:33:11 | |
for the full PPI redress amount | 0:33:11 | 0:33:13 | |
and don't feel that the unspecified damages of £30,000 are justified, | 0:33:13 | 0:33:17 | |
so have applied to the court to contest them. | 0:33:17 | 0:33:20 | |
They say they are determined to resolve the case as soon as possible. | 0:33:20 | 0:33:24 | |
In the Midlands today, Craig and Tommy have got a job to do, | 0:33:34 | 0:33:37 | |
and they are confident they're going to get a result. | 0:33:37 | 0:33:40 | |
We're off to Halesowen this afternoon. | 0:33:42 | 0:33:45 | |
Off to see a company called John Harris & Co. | 0:33:45 | 0:33:48 | |
The claimant in this case is Anthony Smith. | 0:33:48 | 0:33:52 | |
The debt value is around £1,800. | 0:33:52 | 0:33:54 | |
Could be a landlord or could be a tenant. | 0:33:54 | 0:33:57 | |
We're not interested, to be fair. | 0:33:57 | 0:33:59 | |
We're only there under the terms of the court order to get it paid. | 0:33:59 | 0:34:02 | |
But one person who cares very much about how the Sheriffs get on today | 0:34:02 | 0:34:06 | |
is former landlord Anthony Smith. | 0:34:06 | 0:34:09 | |
Anthony is an engineer from Halesowen in the West Midlands. | 0:34:11 | 0:34:15 | |
Several years ago, his parents passed away, but left him | 0:34:15 | 0:34:18 | |
and his brother a wonderful gift - the family home. | 0:34:18 | 0:34:22 | |
It meant a lot to Anthony. | 0:34:22 | 0:34:24 | |
The house was in the family for 30 years. | 0:34:25 | 0:34:30 | |
There were too many memories in the house just to sell it. | 0:34:30 | 0:34:35 | |
And, you know, we decided to rent it out for the time being | 0:34:35 | 0:34:38 | |
until we were committed to selling it. | 0:34:38 | 0:34:40 | |
Luckily, Anthony knew a lettings agent that he trusted. | 0:34:42 | 0:34:45 | |
An old associate from a pub he used to drink at | 0:34:45 | 0:34:48 | |
was now running an agency in the area | 0:34:48 | 0:34:50 | |
and Anthony immediately thought of giving him the property to rent out. | 0:34:50 | 0:34:55 | |
Mr Harris was contracted to rent out the house | 0:34:55 | 0:34:58 | |
and for 10% of the monthly rent, er, was his fee. | 0:34:58 | 0:35:02 | |
Included in that fee, he would find us a new tenant, | 0:35:05 | 0:35:09 | |
take an inventory... Also carry out inspections | 0:35:09 | 0:35:12 | |
of the property to see that it was being looked after properly. | 0:35:12 | 0:35:15 | |
Anthony's work required him to be based in China. | 0:35:15 | 0:35:19 | |
As a successful engineer, he was extremely busy and wasn't able | 0:35:19 | 0:35:23 | |
to keep an eye on how the tenancy of his parents' house was going. | 0:35:23 | 0:35:27 | |
For three years, he thought all was well. | 0:35:27 | 0:35:30 | |
Until he was contacted by his partner in the UK. | 0:35:30 | 0:35:33 | |
I got a Skype call from Sheila and my brother. | 0:35:33 | 0:35:37 | |
They sent out photographs of the state the property had been left in. | 0:35:37 | 0:35:42 | |
The tenant John Harris had put into the house had moved out | 0:35:42 | 0:35:45 | |
after three years in the property, but they'd not left the place | 0:35:45 | 0:35:48 | |
in anything like the state they had found it. | 0:35:48 | 0:35:51 | |
Well, the dog completely destroyed the leather suite. | 0:35:51 | 0:35:54 | |
There was an expensive leather suite in there, which was my mother's. | 0:35:54 | 0:35:59 | |
It was just thrown in the garage. It was just in pieces. | 0:35:59 | 0:36:03 | |
They'd broken every single window in the house | 0:36:05 | 0:36:08 | |
and...the window locks off, and superglued the windows shut. | 0:36:08 | 0:36:12 | |
I mean, the bathroom, the windows, the carpets... | 0:36:12 | 0:36:16 | |
Everything was just... It had to be thrown. | 0:36:16 | 0:36:19 | |
We hired two skips just to remove the rubbish they left behind for us. | 0:36:19 | 0:36:25 | |
I can't believe how a house can be abused so much in three years. | 0:36:27 | 0:36:32 | |
These people had no respect at all for a nice surrounding. | 0:36:33 | 0:36:38 | |
You know, you would never treat your own property like that. | 0:36:38 | 0:36:42 | |
Anthony was upset | 0:36:42 | 0:36:43 | |
because he felt that letting agent John Harris should have been aware | 0:36:43 | 0:36:46 | |
that the property was getting into a bad state. | 0:36:46 | 0:36:49 | |
He was taking 10% of the rent each month, after all. | 0:36:49 | 0:36:53 | |
But there was worse to come. | 0:36:53 | 0:36:55 | |
Tony returned to England from China | 0:36:55 | 0:36:57 | |
and took a close look at his bank balance. | 0:36:57 | 0:37:00 | |
It seemed there were rental payments missing. | 0:37:00 | 0:37:02 | |
He'd missed a month | 0:37:04 | 0:37:05 | |
and then he'd put the next month's at the end of the month. | 0:37:05 | 0:37:09 | |
Then it looked like that month had gone on. | 0:37:09 | 0:37:12 | |
And then he'd missed a month again. | 0:37:12 | 0:37:15 | |
Because I was out in China so much, | 0:37:15 | 0:37:18 | |
I wasn't keeping an eye on it. | 0:37:18 | 0:37:21 | |
Eventually, when the tenants had moved out and we checked | 0:37:21 | 0:37:23 | |
the bank account, there was three and a half payments missing. | 0:37:23 | 0:37:27 | |
Anthony says he checked and rechecked his bank account, | 0:37:27 | 0:37:30 | |
but the money simply wasn't there. | 0:37:30 | 0:37:33 | |
I went down to see Mr Harris, | 0:37:33 | 0:37:35 | |
arranged a meeting with him and I went through | 0:37:35 | 0:37:38 | |
the amount of months that the tenants had been in, | 0:37:38 | 0:37:42 | |
payments into the bank account | 0:37:42 | 0:37:43 | |
and I said to him, "It's not rocket science. | 0:37:43 | 0:37:46 | |
"You know, one and one makes two." You know? It's simple as that. | 0:37:46 | 0:37:50 | |
But he refused to talk any more and we had no alternative | 0:37:50 | 0:37:55 | |
but to go to court. | 0:37:55 | 0:37:56 | |
Anthony brought his case about the missing rent to court. | 0:37:57 | 0:38:00 | |
John Harris defended himself, | 0:38:00 | 0:38:02 | |
but the judgment was in Anthony's favour. | 0:38:02 | 0:38:05 | |
The magistrate asked us | 0:38:05 | 0:38:07 | |
if we wanted to claim for the property and the damages. | 0:38:07 | 0:38:10 | |
I said no, I just want the rent. | 0:38:10 | 0:38:13 | |
They moved in the middle of the month, so technically | 0:38:13 | 0:38:17 | |
they owe a full month, but we'll let them off with half a month. | 0:38:17 | 0:38:20 | |
At that point, Mr Harris said to the magistrate that I was being greedy. | 0:38:20 | 0:38:24 | |
Which was quite laughable. | 0:38:24 | 0:38:28 | |
Anthony feels like he hasn't had the last laugh. | 0:38:28 | 0:38:31 | |
Letting agent John Harris still hasn't paid up what the court | 0:38:31 | 0:38:34 | |
said he owed. So Anthony has called in the Sheriffs. | 0:38:34 | 0:38:37 | |
After 14 months, I was just totally frustrated and, you know, | 0:38:37 | 0:38:41 | |
what do I do? How do I get my money? | 0:38:41 | 0:38:43 | |
I liked what I'd seen with The Sheriffs, so I got in touch and | 0:38:43 | 0:38:48 | |
if these guys can't get my money, then nobody's going to get it. | 0:38:48 | 0:38:51 | |
Emotionally, Anthony feels he wants to do what his mum and dad | 0:38:51 | 0:38:55 | |
would have thought was the right thing. | 0:38:55 | 0:38:57 | |
If she's sitting up there looking down, | 0:38:57 | 0:38:59 | |
she wouldn't be very happy about it. | 0:38:59 | 0:39:01 | |
Unfortunately, I put the business Mr Harris's way | 0:39:01 | 0:39:04 | |
and he let me down terribly. | 0:39:04 | 0:39:06 | |
Two people who are hoping not to let him down | 0:39:15 | 0:39:18 | |
are Sheriffs Tommy and Craig. | 0:39:18 | 0:39:20 | |
And in Halesowen, the Sheriffs have found the John Harris office | 0:39:20 | 0:39:24 | |
and are looking to get Anthony his money back. | 0:39:24 | 0:39:26 | |
Hello. My name's Mr Wild. We're High Court Enforcement Agents. | 0:39:29 | 0:39:32 | |
Can you get the boss on the phone for me? | 0:39:32 | 0:39:35 | |
If you can get him on the phone, I can pre-warn him. To be fair. | 0:39:35 | 0:39:38 | |
Nowadays, Sheriffs send debtors a letter to inform them | 0:39:38 | 0:39:41 | |
they need to pay what they owe. | 0:39:41 | 0:39:43 | |
So Craig and Tommy's visit should be no surprise to John Harris. | 0:39:43 | 0:39:47 | |
Hello, sir. | 0:39:47 | 0:39:48 | |
I'm a High Court Enforcement Agent | 0:39:48 | 0:39:50 | |
and I've got a High Court writ of control to execute today. | 0:39:50 | 0:39:54 | |
And the value of the liability is £1862.01. | 0:39:54 | 0:39:59 | |
But there's a problem. | 0:40:00 | 0:40:01 | |
John Harris is saying that he shouldn't have to pay. | 0:40:01 | 0:40:04 | |
At least not yet. | 0:40:04 | 0:40:06 | |
I've got the court order here, compelling you to discharge the liability. | 0:40:06 | 0:40:10 | |
If you want to come down and have a look at it, that's fine. | 0:40:10 | 0:40:12 | |
But failure to pay this liability means that we have to execute it. | 0:40:12 | 0:40:17 | |
Taking control of the goods here today. | 0:40:17 | 0:40:20 | |
That should focus his mind. | 0:40:20 | 0:40:22 | |
How long will you be, sir? No problem at all. Bye. | 0:40:23 | 0:40:26 | |
His argument is that the courts... He wasn't notified of the court process. | 0:40:29 | 0:40:34 | |
Even though there's been three or four opportunities to discharge it. | 0:40:34 | 0:40:40 | |
From what he was saying, he was going to apply | 0:40:40 | 0:40:42 | |
to leave of the court to challenge it. | 0:40:42 | 0:40:44 | |
He was still waiting for the court to come back to him. | 0:40:45 | 0:40:48 | |
And while Craig lets the owner know exactly how the land lies, | 0:40:50 | 0:40:54 | |
Tommy is looking out for assets. | 0:40:54 | 0:40:57 | |
Just to save time. I'm starting to take control of the goods | 0:40:57 | 0:41:00 | |
and see what he's got to say when he gets here. | 0:41:00 | 0:41:02 | |
While the business might not have huge assets, | 0:41:04 | 0:41:06 | |
Tommy knows they will be reliant on what they do have. | 0:41:06 | 0:41:10 | |
It's not a huge debt. | 0:41:12 | 0:41:14 | |
They're not going to want to lose their computers and stuff. | 0:41:14 | 0:41:17 | |
I'm sure we'll be able to discharge it. In full. | 0:41:18 | 0:41:22 | |
Tommy and Craig are about to find out, as owner John Harris is here. | 0:41:22 | 0:41:27 | |
Here we go. I think he's here. | 0:41:27 | 0:41:30 | |
-You all right? -Yeah. | 0:41:33 | 0:41:34 | |
He wants to check they've done things by the book. | 0:41:34 | 0:41:37 | |
This thing that was given to me... | 0:41:37 | 0:41:40 | |
-Who signed for it? -No, it's delivered by post. | 0:41:40 | 0:41:43 | |
The Sheriffs' records show the paperwork was sent. | 0:41:44 | 0:41:47 | |
And at this point, John Harris asks our camera to leave. | 0:41:47 | 0:41:50 | |
Inside, he's on the phone to his solicitor. | 0:41:54 | 0:41:57 | |
The Sheriffs will now have to talk to them about paying the debt. | 0:41:57 | 0:42:01 | |
After half an hour, they're out with some news. | 0:42:02 | 0:42:05 | |
This was quite antsy at first. As all incidents tend to be. | 0:42:07 | 0:42:10 | |
Erm... Was questioning our enforcement processes. | 0:42:10 | 0:42:15 | |
I explained to him it had been fully complied with. | 0:42:15 | 0:42:17 | |
-He then instructed his client to pay it. -It's a payment in full. | 0:42:17 | 0:42:21 | |
That's good news for homeowner Anthony. | 0:42:21 | 0:42:24 | |
But business owner Mr Harris is not happy. | 0:42:24 | 0:42:27 | |
The Sheriffs may have got money from him today, | 0:42:27 | 0:42:30 | |
but he plans to do something about it. | 0:42:30 | 0:42:32 | |
I asked for leave to appeal. | 0:42:32 | 0:42:35 | |
The next thing I know, these gentlemen have come into my offices. | 0:42:35 | 0:42:40 | |
I phoned up my solicitor and on legal advice I have paid them, | 0:42:41 | 0:42:46 | |
but we now have 14 days to dispute the facts. | 0:42:46 | 0:42:50 | |
The payment was not disputed, however. | 0:42:50 | 0:42:52 | |
And Anthony got his money and, finally, some closure. | 0:42:52 | 0:42:56 | |
I do have to thank Craig and Tommy. They've done a fabulous job. | 0:42:56 | 0:43:00 | |
It was a quick result and I'm very happy. And my family are happy. | 0:43:00 | 0:43:06 |