Episode 3 The Sheriffs Are Coming


Episode 3

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Transcript


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-Meet the sheriffs...

-Let's introduce ourselves.

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Got a High Court writ to attend here today.

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If it's not payable, I'll be removing the stock.

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Their job is to get you your money back.

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-It's about to get physical.

-It's an arrestable offence

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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're going to remove vehicles

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-to that value.

-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, sir? 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,

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effect entry into the premises and remove all the items.

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-Whoa, whoa, whoa, whoa.

-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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This man thought his new car would be

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a reliable family runabout - but it let him down.

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When you're driving a car, you know, you want it to work.

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Sheriff Chris Pearson has the job of getting him his money back.

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-BLEEP

-I'm not going nowhere... You do what you need to do, son.

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Simple as that, we're not going nowhere.

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I'll give him till 5.45. If he hasn't got the money sorted by then,

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I'll clamp a car and get a truck.

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Sheriffs in London clear out a squat for a second time.

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Wakey-wakey.

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But one man isn't leaving without a fight -

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and it's some of the worst abuse the sheriffs have ever encountered.

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SIREN WAILS

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And Sheriff Craig Wilde needs to be quick,

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if he wants to take control of a valuable BMW.

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We've got a vehicle that needs recovering.

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Worst-case scenario is he suddenly turns up and it all kicks off.

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Sheriffs Lawrence Grix and Kev McNally have an early start

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in Lewisham today - and it's a bit of a Groundhog Day moment.

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They're removing squatters from a pub they've visited before.

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We're back in Lewisham.

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It's just about six o'clock.

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We've got a writ of possession for the former Market Tavern pub.

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We've done it once already...

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I doubt it will be the same people again.

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But you can never tell.

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After their last visit, the sheriffs will be hoping that at least

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one of the previous squatters is not back in the building.

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Last time round, this man reacted badly to proceedings...

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-Keys!

-What are you doing?

-My keys.

-Get out of my face.

-My keys!

-Get out of my face.

-No, no!

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-Get out my face.

-No.

-Right, you're going.

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-UPROAR

-What you doing, man? What you doing?

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UPROAR

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In the end, he had to be carried out of the building.

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Afterwards, the pub was made secure, but someone has found a way back in.

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Kev's not surprised.

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This does happen - not that frequently, but it does happen

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if properties are left empty. Squatters find them again

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and they're in again.

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The security boarding and doors and shuttering we've had put on before

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seems to be still in place,

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so we're going to go round the front entrance,

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which is where we think they're using.

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Enforcement agent Mark was one of the team

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who reclaimed the pub last time.

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He has some instructions for his colleagues.

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The door on the left seems...pretty loose.

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But if not, we're going to struggle to get in there,

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we're just going to smash the window,

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somebody get in, and open it up that way. As long as they can't

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get out onto the roof, that's the main issue.

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-Everybody good?

-ALL: Yeah.

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It's time to call time on the squatters.

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The crowbars make short work of the door.

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Enforcement officers!

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The plan now is to wake everyone up...

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Wakey-wakey!

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..if they can actually find anyone.

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So, they've not gone long...

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Halogen heater is still running

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but the place appears to be empty.

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Lawrence checks in with the other agents.

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No, we ain't got anybody. You?

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The enforcement agents confirm that elsewhere in the building,

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a group of squatters have been found and are packing up.

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But Lawrence is following his nose.

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Quite a strong smell of skunk, isn't there?

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Phwoar, the bed's still here.

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Has that camera got smellyvision on it, has it?

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The sheriffs remember this room from before.

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Double bed made on top of a couple of toilets.

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Whoo!

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Disgusting.

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They were sleeping on that last time.

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They've broken that one off the wall, and it honks.

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MAN RETCHES It's much, much worse than it was last time. Much worse.

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The interior of the building has taken a beating.

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Squelchy, squelchy.

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Some of the damage and rubbish remains from the first set of squatters.

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Now, the best thing for this former pub is to gut it.

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Elsewhere, the squatters seem to be complying with instructions

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to pack up and leave.

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About six left in here at the moment, so just...

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They're all getting their stuff together.

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No dramas at the moment. Let them get their stuff together, get them out.

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Although they have a writ of possession for the building,

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the sheriffs allow the squatters time to gather belongings

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like heaters and bedding.

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A little bit of time to get their stuff together

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and they're starting to take it out now.

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We generally allow them a bit of time,

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cos then there's no need for them to break back in.

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They'll even help them carry things -

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to speed up the process.

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This time, it seems the job will get done without a confrontation...

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until this man decides to hit the camera.

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Who d'you think you are, man?

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And once wasn't enough...

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On his way out, he decides to do it again.

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Oi! Behave yourself. This one doesn't come back in again.

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Lawrence doesn't want him back inside.

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But he's about to become a dangerous problem for the team outside.

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He's confronting the agents and is ready to fight.

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He's using abusive language.

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Calm down.

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-All three of you.

-BLEEP

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The man is offering to fight the enforcement agent.

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BLEEP

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And he's about to be racially abusive.

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BLEEP

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-Go back to where you belong, you

-BLEEP

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He's even threatening the cameraman.

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BLEEP

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Enforcement agents are used to confrontation,

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but the racist language has surprised even them.

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But the man isn't finished yet.

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-I might be a racist but at least I've got morals, you

-BLEEP

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-BLEEP

-..scum.

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Lawrence has seen enough, and is calling the police.

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We've got one who's kicking off, he's...

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The postcode is...

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Sierra, echo, one, three.

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Six, alpha, alpha.

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Before the police can arrive, the man is being held.

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Thankfully, the agents are trained in safe restraining techniques.

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This guy's got abusive,

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he's racially abusing one of our officers here.

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Abusing everyone, so we're not having that.

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Police are called and will be on their way.

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Just hold him till the police get here.

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I'm sure they'll be interested to see how he behaves -

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can't do that.

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It's outrageous.

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I didn't see that.

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The police arrive quickly.

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This wasn't how the sheriffs thought

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this writ of possession would turn out.

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SIREN WAILS

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Now he's been restrained,

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the man has finally stopped the tirade of abuse.

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If he lets go...

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-I'm not going to do nothing, no.

-All right, OK.

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Going to let him go, lads?

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Come and have a chat with me over here.

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Now the man has attracted police attention,

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and that's going to prove a big mistake.

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The enforcement agent he racially abused doesn't want to press charges,

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but the police are checking the man's records.

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Yeah, he has a whole array of...abuse.

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Wants locking up.

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-Eh?

-He wants locking up.

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Yeah, scumbag.

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Lawrence might get his wish -

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a police search has discovered this man is

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wanted for non-payment of fines.

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Right, so, because of that,

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you are going to get arrested, all right?

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SHE READS HIM HIS RIGHTS

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..may be given in evidence. Do you understand that, yeah?

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Quick search for anything that is going to hurt you or me.

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With him out of the way,

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the sheriffs can complete their writ of possession.

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For the time being, he will be staying in police custody.

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The sheriffs have had confrontations here twice,

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so Kev is hoping the building will be kept secure

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and they won't be called back again.

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Everyone's out now.

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The property is empty,

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they are going to put security on here for the next few days.

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And I think they're going to put

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someone in here, living in here permanently,

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just to keep it vacated.

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It's been a trying morning for the sheriffs, but the whole team

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are happy to be on their way for a well-earned breakfast.

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Today, Sheriff Chris Pearson is on the road

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and chasing a debt in West Yorkshire.

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Off to a residential address just outside of Bradford.

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Looking for a Shiraz Miah, trading as KM,

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which, I believe, is...

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..some sort of car business.

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He owes money - £1,856.02p to a Sheraz Afzal.

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Chris's claimant is hoping the sheriffs will have more luck

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than he had.

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Sheraz Afzal lives in Nottingham with his wife and two children.

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Several years ago, he and his wife saw an Audi A4 car

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advertised on the internet, and thought it was just what

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they wanted - so they bought it.

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When I first saw the car, it was up for just under £7,500, so...

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it was in pretty good nick.

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We chose an Audi because we'd had one before. It had served us well.

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Sheraz bought the car from a dealer called Mr Miah,

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who was based in Keighley, Yorkshire.

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Well, he was a lovely chap, he told me all about himself,

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you know, seemed really personable,

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made me tea and brought me biscuits.

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Shortly after buying the car,

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Sheraz noticed the oil light was frequently coming on.

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He put new oil in, but after a short while the light would come on again.

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A month later, Sheraz was at work

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when his pregnant wife, Sally, rang to say the car had broken down.

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He wasn't at his desk to take the call.

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I had about 15-20 missed calls from my wife,

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that clearly sent a...you know, a fair amount of panic through,

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you know, and then I tried to listen to the answerphones

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and the text messages, trying to work out what's happened.

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The car had broken down,

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so she'd ended up abandoning the car in town,

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and getting a taxi back with the kid.

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So it was all...

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Yeah, a pretty stressful evening, actually.

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Sheraz arranged a roadside repair.

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The recovery men told him that whatever caused the breakdown

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was probably connected to the car's oil problem.

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When you're driving a car, you want it to work,

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you don't want to be sat there going,

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"Is it going to conk out? Is it going to conk out?"

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My wife said, "We've got to do something about this.

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"I can't have this car."

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Sheraz worried about the risk of more breakdowns with his family

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in the car, so he part-exchanged the Audi at another dealer.

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He made a £1,000 loss on the deal.

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So I then decided,

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"Well, hey, that's not fair," you know.

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Sheraz went to court to recover the money he'd lost by reselling the car.

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He was awarded the judgment after his first hearing,

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but then the dealer, Mr Miah, appealed.

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It meant a nerve-racking second day in court for Sheraz.

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We were there for about an hour, um,

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we gave two quite different versions of events

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over the course of that hour, um...

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The judge preferred my version, but I remember,

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actually, my heart kind of pounding as the judge was about to deliver

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his judgment, which was, um, yeah, a strange kind of adrenaline high.

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The judge ruled in Sheraz's favour, and car dealer Mr Miah

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started paying off the debt at £50 a month.

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But he only made a few payments and then stopped.

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So Sheraz decided to take decisive action to get paid.

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This has been going on, now, for almost two years,

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I've had three cheques off him, you know, a random payment off him last week...

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So, I guess I just want this to...

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be finished.

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I'm...I'm bored and I want to get on with the rest of my life.

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The most recent cheque was for £500,

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but Sheraz feels he just doesn't know if more cheques will be sent.

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He wants the sheriffs to recover all the money -

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as, including costs, there's now a lot owing.

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Over in West Yorkshire,

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Chris Pearson is about to make contact with the debtor -

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and there's a large collection of vehicles on his drive.

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Take your pick out of this lot, basically.

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The debtor's not home...but he's on the other end of the phone.

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Hello? Hi, Mr Miah?

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The dealer is telling Chris that he's already

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entered into an agreement to pay monthly.

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But Chris is confident that claimant Sheraz has not accepted it,

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and a High Court writ for payment has been issued.

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He'll be here within ten minutes.

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Excellent. Cheers.

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Whilst Chris waits,

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he takes a look at the potential assets parked on the drive.

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There's two Audis there.

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The debt's not that large, to be honest,

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so that would probably cover it - the 08 Audi.

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Now the debtor himself is here.

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-How are you, mate?

-Good, how are you?

-Yeah, not so bad, mate. Not so bad.

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Have you got any confirmation of the fact that there's an arrangement been set up?

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I haven't got my confirmation, but I've sent him the cheque already, in the post.

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At this point, our camera is asked to move off the driveway.

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But having a sheriff on his doorstep has convinced Mr Miah

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that he'll have to try and raise the money today.

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It's now dark outside, and Chris is settling in for a wait to get paid.

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He's ringing around trying to get the funds together,

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he says he's going to struggle...

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to organise it, but in the same breath he's telling me

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he's got all the cars on the drive, which are worth a fortune.

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And he lives in a £1 million house,

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and they own all this land round here. So if that's the case,

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I'm sure he will be able to lay his hands on £1,800.

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Time for a little gallows humour.

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Might be a premonition this...

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HE CHUCKLES ..what's going to happen.

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RADIO PLAYS

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# I shot the sheriff

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# But I didn't shoot the deputy... #

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Now the debtor has returned with news about the outstanding balance.

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You've done well so far, you need to keep going, mate.

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It's the full amount you need to pay.

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It's nothing personal, it's just got to be the full amount.

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At this stage you need to pay it in full. It's non-negotiable.

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If that's what we need to do, we need to satisfy the full debt tonight.

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Whatever's left.

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The idea that one of his vehicles might be taken

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seems to have disturbed car dealer Mr Miah.

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Chris might need to turn on the charm.

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We'd get in, mate.

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-How would you not let us in?

-Say again.

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How would you not let us in?

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We'd remove it, take the car away.

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We get a tow truck to remove it.

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Police will turn up and all the vehicles will be removed.

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It's that easy, mate, it is. I don't want to do it,

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I'm sure you don't want to do it. Just have a ring around,

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and come back and see us, soon as you can.

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It's all right, no problem.

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Despite the ongoing banter, there's still no money.

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What sheriff Chris needs to see is the payment.

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Me patience is running a little thin,

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with him, to be honest.

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He seems like a nice enough guy,

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but I've seen it a thousand times, he's just...he's tying it on.

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I'm going to give him till 5.45.

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If he hasn't got the money sorted by then,

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I'm just going to clamp a car and get a truck. To be honest,

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a man of the means which he claims to be,

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he really should be able to organise these funds.

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The money still hasn't arrived - but more people have.

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There's been three...extra cars gone down since we've been here,

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so, I dare say, amongst them, they'll have the money, won't they?

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Time's up...

0:18:060:18:07

But before he can walk down the drive,

0:18:090:18:11

an unidentified man wants Chris to leave.

0:18:110:18:14

This is not private, is it?

0:18:140:18:16

This is not private, is it?

0:18:160:18:18

-He's not

-BLEEP

-at all.

0:18:180:18:19

I'm not going nowhere.

0:18:200:18:22

You do what you need to do, son. Simple as that. We're not going...

0:18:220:18:25

I tell you what...

0:18:250:18:27

What's it got to do with you? Who are you?

0:18:300:18:32

Who are you?

0:18:320:18:33

Who are you? Who are you?

0:18:330:18:35

Nothing to do with you.

0:18:350:18:37

No, nothing to do with you.

0:18:370:18:38

That's all I'm saying to you.

0:18:380:18:40

You do what you need to do.

0:18:400:18:41

The angry man is heading towards the debtor's property,

0:18:430:18:46

so Chris decides to wait.

0:18:460:18:47

Now the angry man has come to take a photo.

0:18:500:18:53

So someone did shoot the sheriff...

0:18:530:18:56

Weird.

0:18:560:18:57

Chris heads back up the driveway to clamp a car.

0:18:590:19:02

But there's an update.

0:19:020:19:03

It seems his presence

0:19:030:19:05

and the thought of losing a vehicle or two has motivated the debtor.

0:19:050:19:08

Mr Miah claimed he couldn't get his hands on the full amount,

0:19:080:19:12

so he phoned claimant Sheraz and offered to enter a formal financial agreement

0:19:120:19:17

of £500 a month, to clear the debt.

0:19:170:19:20

Sheraz would have preferred the lump sum Chris was chasing -

0:19:200:19:24

but he has decided to be reasonable

0:19:240:19:26

and let Mr Miah repay the debt in sizeable instalments.

0:19:260:19:31

Off camera, Chris has made the necessary arrangements.

0:19:310:19:34

We've taken control of goods and the debtor's signed...

0:19:350:19:39

signed for the goods. And the claimant's arranged,

0:19:390:19:42

well, agreed £500 a month. At the end of the day

0:19:420:19:44

it's a semi-result, I suppose - it's now officially arranged,

0:19:440:19:47

£500 a month, so four months it's going to be cleared off - going to be job done.

0:19:470:19:52

Getting an official agreement to pay what's owed to him

0:19:520:19:55

is what Sheraz wanted.

0:19:550:19:57

If he pays me - great, it's finished. If he doesn't pay me,

0:19:590:20:01

you know, they can go round and...

0:20:010:20:03

..um, get me the rest of the money.

0:20:050:20:07

So it's nice to have closure.

0:20:070:20:09

On a bright, cold, crisp, winter morning,

0:20:200:20:23

Sheriffs Kev and Lawrence are negotiating the streets

0:20:230:20:26

of London again, on their way to one of the city's iconic markets.

0:20:260:20:30

We are on our way to One Of A Kind.

0:20:320:20:35

I believe it's a vintage-clothing shop.

0:20:360:20:39

It's actually on Portobello Road, famous for its market.

0:20:390:20:42

We are looking for £6,251.

0:20:420:20:46

The shop specialises in designer vintage clothing.

0:20:480:20:51

The debt the sheriffs are chasing today

0:20:510:20:54

is on behalf of a supplier who's based abroad.

0:20:540:20:57

It's a European money order.

0:20:580:21:01

There's been a European judgment, there's an order to pay money,

0:21:010:21:04

and they've sought permission to have it enforced in this country.

0:21:040:21:08

If the shop's unwilling to pay, sheriffs Lawrence and Kev

0:21:100:21:13

can remove goods, to auction to settle the debt.

0:21:130:21:16

And they've made sure they've done their homework.

0:21:160:21:19

Lawrence has been online and they've got a vast selection of...

0:21:190:21:24

vintage designer clothing, I believe.

0:21:240:21:26

Clothes, handbags, accessories, belts.

0:21:260:21:30

Quite a small frontage to the shop, but it just...

0:21:300:21:33

they've got an immense amount of stock in there.

0:21:330:21:35

There it is.

0:21:400:21:42

Portobello Market's in full swing,

0:21:430:21:46

but Lawrence and Kev aren't here to shop.

0:21:460:21:48

Can they get their disgruntled client the money they're owed?

0:21:480:21:52

-Hello, mate. How are you doing?

-Yeah, good, how are you?

0:21:520:21:56

Good, thank you.

0:21:560:21:57

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

0:21:570:22:00

We're here with a High Court writ to execute against One Of A Kind.

0:22:000:22:03

While Lawrence and Kev's credentials are enough to get the ball rolling,

0:22:030:22:07

we're asked to leave.

0:22:070:22:09

The discussions continue inside.

0:22:090:22:11

Minutes later, Kev emerges to update us.

0:22:130:22:16

The owner's a guy called Jeff.

0:22:180:22:19

Told him what it's about, he's going to get him on the phone,

0:22:190:22:21

come down here and sort it out,

0:22:210:22:23

but he's not aware of who our claimant is at the moment.

0:22:230:22:26

Kev heads back in to support his partner, Lawrence.

0:22:260:22:30

Soon after, owner Jeff arrives and the negotiations continue.

0:22:300:22:35

We've been speaking to the owner in there. He's OK.

0:22:360:22:39

Er, he knows all about the debt,

0:22:390:22:42

he didn't realise it had gone this far, to be honest.

0:22:420:22:44

But he knows the lady who he owes the money to,

0:22:440:22:47

he apparently has every intention of paying,

0:22:470:22:49

he didn't realise it had got to this stage, which it has.

0:22:490:22:52

So, he claims he hasn't got any money.

0:22:520:22:55

While Lawrence has been doing the talking,

0:22:550:22:59

Kev's been keeping his eye on the stock.

0:22:590:23:01

Been upstairs, there's two rooms at the back, they're all empty,

0:23:010:23:05

there's nothing in them at all. There's probably, 200-odd shoes...

0:23:050:23:09

..so there is literally what there is in the front, which is still...

0:23:090:23:13

to itemise it, there's a lot of stuff.

0:23:130:23:15

Some expensive pieces, but retail money,

0:23:150:23:18

we'd have to take virtually the whole shop

0:23:180:23:20

to cover anywhere near the debt we're looking at.

0:23:200:23:22

And in case negotiations stall, Kev's worked out a plan.

0:23:220:23:27

One of the options was to maybe put some padlocks on it,

0:23:270:23:30

shut it up and have an on-site auction.

0:23:300:23:33

But we didn't really want to go down that route at the moment.

0:23:330:23:35

Luckily, there was no need for that.

0:23:350:23:38

Because minutes later, Lawrence and Kev emerge with a result.

0:23:380:23:42

Of sorts.

0:23:420:23:43

Basically there's lots, lots and lots of items in there,

0:23:430:23:47

he's got sales where people have put deposits on items

0:23:470:23:51

and he'll be able to clear the debt next Wednesday,

0:23:510:23:54

so I've been very kind and given him till next Friday,

0:23:540:23:58

taken £450 today, which was literally all he had in his bank account.

0:23:580:24:03

I've made him aware of what my intentions will be

0:24:030:24:06

if he doesn't pay in full and I'm quite content he's going to...

0:24:060:24:09

Oh, here we go, shouldn't say it really! Um...

0:24:090:24:12

if he pays, he pays, if he doesn't, we'll be back, put it that way.

0:24:120:24:15

Lawrence's confidence was not misplaced.

0:24:160:24:19

The shop later paid the debt in full.

0:24:190:24:22

The sheriffs are enforcement agents of the High Court.

0:24:340:24:38

Got a High Court writ to attend here today.

0:24:380:24:41

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

0:24:410:24:44

the sheriffs can enforce a writ and get you what you're owed.

0:24:440:24:49

I'm here with a court order to collect the sum of £34,311.

0:24:490:24:54

Once inside commercial premises, they don't have to leave.

0:24:550:24:59

-Just stay outside.

-No.

0:24:590:25:01

And they don't give up easily.

0:25:010:25:03

You can't tell us things, you need to prove things.

0:25:030:25:05

The onus isn't on us to prove anything at all.

0:25:050:25:08

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

0:25:080:25:11

and have them sold at auction to pay off the debt.

0:25:110:25:14

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

0:25:140:25:17

When the sheriffs do remove goods, the law says you can't stop them.

0:25:170:25:22

-It's been removed.

-No, you can't...

-We can.

0:25:220:25:26

A High Court writ costs £60.

0:25:260:25:28

If the sheriffs are successful, there's nothing more to pay.

0:25:280:25:31

All cleared up, paid in full.

0:25:310:25:33

If they're unsuccessful, the only cost is the compliance fee

0:25:330:25:36

of £75 plus VAT for each enforcement.

0:25:360:25:40

One of the most powerful weapons the sheriffs have in their armoury

0:25:500:25:54

is the threat that if a debt's not paid,

0:25:540:25:56

they'll remove goods to pay it off.

0:25:560:25:59

But it's very much a last resort

0:25:590:26:01

used in less than 1% of cases.

0:26:010:26:04

Today, Sheriff Craig Wild is heading to Wolverhampton.

0:26:040:26:08

He knows, if push comes to shove,

0:26:080:26:10

a tow truck is just a phone call away.

0:26:100:26:13

We're off to go and see Mr Oswell, Graham...

0:26:150:26:18

..who is the debtor.

0:26:190:26:21

The debt itself is for £6,700,

0:26:210:26:24

so it's not a small amount of money by any stretch of the imagination.

0:26:240:26:28

The defendant has not paid up so far and if that doesn't change today,

0:26:280:26:32

Craig's relying on information he's received from the client

0:26:320:26:36

about a BMW and a lorry believed to be kept at the property.

0:26:360:26:40

I haven't checked on Google Maps or anything.

0:26:400:26:43

It may be his, um, residential home.

0:26:430:26:46

Or it could be a commercial premises.

0:26:460:26:48

The claimant has said the BMW is registered to the defendant

0:26:480:26:53

but the lorry is registered to a limited company.

0:26:530:26:56

And significantly, Mr Oswell is the director of that company.

0:26:560:27:00

However, that's been dissolved as of last year,

0:27:000:27:03

so we'll have to have words with him with regard to,

0:27:030:27:07

it can't be a company asset because the company's been dissolved.

0:27:070:27:10

As he gets to his target address,

0:27:160:27:18

spotting which house is the debtor's doesn't prove difficult.

0:27:180:27:22

Oh, that could be the lorry.

0:27:220:27:24

That's probably the Beemer, eh?

0:27:260:27:28

Yes, that's his house, that's the lorry and that's the car there.

0:27:280:27:31

The house is on property connected to a working men's club.

0:27:310:27:35

Craig wants to see if either of the vehicles are on finance

0:27:350:27:38

and confirm their DVLA status.

0:27:380:27:41

We'll do the HPI now and see what comes back

0:27:450:27:47

and then we'll take it a bit further.

0:27:470:27:49

-Bravo, one, nine...

-Craig calls HQ.

0:27:490:27:53

'Yeah, the Beemer is fine.'

0:27:530:27:55

-Clear of finance, yeah?

-'Yes.'

0:27:550:27:57

'Roughly speaking, we should get about four grand for it.'

0:27:570:28:00

This means Craig can remove the car.

0:28:000:28:03

He believes that if he leaves it here, it would be in jeopardy

0:28:030:28:06

and could be moved by the owner.

0:28:060:28:08

But what about the lorry?

0:28:080:28:10

'Yeah, no, that's clear. There's no finance on that.'

0:28:100:28:13

-Right, lovely. Ta-ra.

-'Cheers, bye.'

0:28:130:28:15

The leverage is good.

0:28:150:28:16

Both vehicles come back clear of finance.

0:28:160:28:19

The BMW's worth about 4,000.

0:28:190:28:22

The lorry, they can't do a valuation on.

0:28:220:28:24

We're chasing £6,700, so, um...

0:28:240:28:27

yes, it's looking good. Looking good.

0:28:270:28:30

Ready to rock and roll. We'll go and see Mr Oswell now.

0:28:300:28:34

Craig heads in.

0:28:350:28:37

Can he get his client the money that's rightfully theirs?

0:28:370:28:40

Nice wheels.

0:28:400:28:42

If anyone is in, they're not answering the door.

0:28:490:28:52

To try and find the debtor's whereabouts, Craig turns detective.

0:28:540:28:58

The brake disc, slightly rusty. Only a few days there.

0:29:020:29:05

Craig suspects no-one has been here for a while.

0:29:050:29:08

December 14th.

0:29:100:29:11

Hasn't been driven for a long time.

0:29:150:29:17

We can't put a clamp on it, we don't do clamps that big, unfortunately,

0:29:170:29:21

so we'll speak to Lawrence and see what he wants us to do with it.

0:29:210:29:26

Hiya, mate. Just to pick your brains on this one.

0:29:260:29:29

No answer to the house at all, both vehicles are clear of finance.

0:29:290:29:33

We can't get a valuation on the Scania lorry, but,

0:29:330:29:35

to be fair, mate, that's probably worth about ten grand.

0:29:350:29:38

The lorry's registered to the limited company,

0:29:380:29:40

which is now dissolved,

0:29:400:29:42

so what will happen to the assets of the company? I don't know.

0:29:420:29:45

'We can't tell just like that, can we? We'll certainly take the BMW.'

0:29:450:29:49

With Lawrence at HQ green-lighting the removal of the BMW,

0:29:490:29:53

it's time for Craig to call the tow truck.

0:29:530:29:57

We've got a vehicle that needs recovering.

0:29:570:30:00

With the tow truck on its way, all Craig can do is wait,

0:30:000:30:03

but he's acutely aware the situation could change at any moment

0:30:030:30:08

if the debtor were to arrive in person.

0:30:080:30:10

Worst-case scenario is he suddenly turns up and has attitude.

0:30:100:30:15

He certainly will when he sees a tow truck

0:30:150:30:17

and it all kicks off.

0:30:170:30:19

Ideally I want the tow truck here as soon as possible.

0:30:190:30:23

With that in mind, Craig starts the paperwork.

0:30:230:30:27

Not bad condition.

0:30:290:30:30

Obviously likes to pimp it up a bit.

0:30:320:30:34

I'm not into this blingy sort of wheel.

0:30:340:30:36

I don't like BMWs, to be fair.

0:30:360:30:38

I'm more a Mercedes man myself.

0:30:380:30:40

Suddenly a man does appear, but it's not the debtor.

0:30:420:30:46

-Hello, sir.

-Good evening... I mean, afternoon.

0:30:460:30:48

-I'm the secretary of the club.

-Yes.

0:30:480:30:50

This is the club's house, this club's property...

0:30:500:30:53

-I thought it would be, yes.

-..and he's a tenant.

-Yes.

0:30:530:30:56

And he's in Thailand at the moment.

0:30:560:30:59

-He's in where, sorry?

-Thailand.

0:30:590:31:01

And he's due back on the 10th of March.

0:31:010:31:03

How long has he been away for?

0:31:030:31:04

Since about the 10th or 11th of January.

0:31:040:31:07

Oh, I see. It's been a long, long, long time.

0:31:070:31:10

The news for Craig is the debtor won't be here to prevent removal.

0:31:100:31:14

We're taking the car away today.

0:31:140:31:16

And, right on cue, the tow truck arrives to complete the job.

0:31:160:31:20

Hiya, mate. How are you doing?

0:31:200:31:21

Luckily for the tow truck driver,

0:31:230:31:25

this one is a straightforward removal.

0:31:250:31:27

But often the pressure is really on.

0:31:270:31:30

Yes, you just want to get in, clip it and get out,

0:31:300:31:33

because I have had people turn up before,

0:31:330:31:35

but by that time she's on the back of the truck

0:31:350:31:38

and I'm on down the road.

0:31:380:31:39

-With that, the debtor's car is whisked away.

-BEEPING

0:31:390:31:42

If the debt's not paid within seven days,

0:31:420:31:44

it will be sold at auction

0:31:440:31:46

and the money used to help pay the sheriff's client.

0:31:460:31:48

-Go on, then.

-Yeah, absolutely. You take care. Ta-ra, mate.

0:31:480:31:51

But the owner's away for three more weeks,

0:31:510:31:53

so his chances of being reunited with his BMW are slim.

0:31:530:31:57

The vehicle may be sold without him even knowing.

0:31:570:32:00

A lesson learned for everybody.

0:32:000:32:03

If you can afford to go to Thailand for at least three months,

0:32:030:32:05

then you can afford to pay your bills.

0:32:050:32:07

The more valuable lorry is not yet out of the woods either.

0:32:070:32:11

The truck itself, we'll do further investigations on that

0:32:110:32:14

and depending on how they prevail,

0:32:140:32:17

we may come back and remove the truck as well.

0:32:170:32:20

With the car gone and the paperwork delivered,

0:32:200:32:23

there's nothing more Craig can do today.

0:32:230:32:25

He leaves a front drive considerably emptier than when he arrived.

0:32:250:32:30

Sheriffs Craig Wild and Tommy Coyle are back in the van

0:32:450:32:49

and on their way to another job.

0:32:490:32:52

This morning, we're off to a job in Birmingham.

0:32:520:32:54

The defendant is a Thomas Moreby.

0:32:540:32:57

Thomas Moreby runs a garage called LT Motors,

0:32:570:33:00

but this case dates back to work he did on a vehicle

0:33:000:33:03

before he started the business.

0:33:030:33:05

He was taken to court by the car owner

0:33:050:33:08

and the judge found against him, but Mr Moreby hasn't paid up.

0:33:080:33:12

The debt is just shy of £6,000, so...

0:33:130:33:16

not a small amount of money.

0:33:160:33:17

Hopefully he'll be open and trading

0:33:170:33:19

and we can get in there and get it resolved.

0:33:190:33:22

The garage is located on a trading estate.

0:33:260:33:30

It doesn't take the sheriffs long to find it...

0:33:300:33:33

-There you go.

-LT Motors.

0:33:330:33:35

..and head straight in.

0:33:350:33:37

Hi, mate. Can I get in contact with Mr Moreby?

0:33:370:33:39

-Yes, speaking.

-My name's Mr Wild. It's about a High Court writ.

0:33:390:33:43

-They've sent us out to execute it today for £5,994.

-Oh, my...

0:33:430:33:48

I've got 80 quid in my pocket.

0:33:480:33:50

I'm waiting for customers to pick cars up and everything.

0:33:500:33:53

-I'm here on my own, as you can see.

-HE LAUGHS NERVOUSLY

0:33:530:33:55

The issue is, unfortunately, the court order commands us

0:33:550:33:58

to actually demand the payments or we take control of goods. The court...

0:33:580:34:01

-Not against LT Motors, is it?

-No, it's against you personally.

0:34:010:34:04

-Everything is under LT Motors.

-But it's you trading as,

0:34:040:34:09

-not a limited company.

-No.

-No, so it's still your gear.

0:34:090:34:12

Mr Moreby claims that the goods are owned by LT Motors.

0:34:120:34:16

But because it's not a limited company

0:34:160:34:18

and just a name the garage owner trades under,

0:34:180:34:21

the goods here are all the property of Mr Moreby.

0:34:210:34:23

That means the sheriffs can take control of them

0:34:230:34:26

if there's no payment.

0:34:260:34:27

Ultimately, the Court Order says

0:34:270:34:29

we have to take it in full. If we can't, we've got to take

0:34:290:34:31

-the stuff away.

-I can't physically do it today.

0:34:310:34:33

Right. We need to try and get as much money as we can at the moment

0:34:330:34:36

and try and put you on some sort of arrangement

0:34:360:34:38

-if you can't raise it.

-Not today.

0:34:380:34:40

-Then my hands are legally tied.

-Yeah, not today.

0:34:400:34:42

-Then you won't have a business today.

-No.

-All right.

0:34:420:34:45

Yeah, no problem at all.

0:34:470:34:48

The garage owner is desperately trying to raise money

0:34:480:34:51

to pay off what the court says he owes.

0:34:510:34:53

The sheriffs start listing removable assets

0:34:530:34:56

that could be taken and sold at auction to settle the debt.

0:34:560:34:59

We get this an awful lot - can't raise it, got no money.

0:35:000:35:04

I've tried as much as I can to explain the implications

0:35:040:35:06

of our actions today, to which he said he can't help out,

0:35:060:35:09

so Tommy's now in the process of taking control of goods.

0:35:090:35:12

Do that one as well.

0:35:120:35:13

How much is that worth?

0:35:140:35:16

There's a vehicle that's clearly owned by the garage

0:35:160:35:19

as well as tools and equipment.

0:35:190:35:21

They've also spotted a valuable red Audi car that could

0:35:230:35:27

belong to the owner. Tommy's made a call to the office

0:35:270:35:30

to get some details on both vehicles.

0:35:300:35:32

The Audi S Line has got a logbook loan against it

0:35:340:35:38

but it's secured, so we can't take it.

0:35:380:35:41

The other vehicle has a book value of about £1,300 on it,

0:35:410:35:47

-which isn't brilliant.

-Without the Audi,

0:35:470:35:49

there's not much here to cover the nearly £6,000 debt.

0:35:490:35:54

They're still hoping Mr Moreby can raise some funds

0:35:540:35:57

to make up the difference.

0:35:570:35:58

-Nothing, then?

-Still trying, still trying.

0:35:580:36:03

Ringing friends and family, by the sounds of it,

0:36:030:36:05

trying to raise as much money as he can.

0:36:050:36:08

Craig calls the office to put a tow truck on standby.

0:36:080:36:12

That way, Mr Moreby will know the sheriffs mean business.

0:36:120:36:16

Otherwise, he will lose the company-branded car and more.

0:36:160:36:19

One car, four-poster, normal garage equipment.

0:36:200:36:24

Seven and a half ton for the rest of it, yeah, it'll be easy.

0:36:240:36:27

Cheers, mate. Ta-ra, bye.

0:36:270:36:29

I've got a customer's car, I've got to finish that off,

0:36:300:36:33

he's not collecting that till tomorrow.

0:36:330:36:35

That Subaru out there, that engine's got to go in,

0:36:350:36:37

that'll be planned for today.

0:36:370:36:38

That owes me 800 quid out there.

0:36:380:36:40

But the writ needs paying now.

0:36:400:36:42

He can't raise anything until the weekend.

0:36:430:36:46

The value of the assets here are quite minimal,

0:36:470:36:50

but we are in a position to remove them if nothing is paid today.

0:36:500:36:54

The sheriffs have a dilemma.

0:36:540:36:56

Even if they take most of Mr Moreby's tools,

0:36:560:36:59

it won't cover the debt

0:36:590:37:00

and it could mean he can't work to earn the rest of what he owes.

0:37:000:37:04

Not much more we can do, to be honest with you.

0:37:040:37:07

But Craig's got an offer from the office.

0:37:070:37:09

Just give us five minutes and I'll ring you back. All right, cheers.

0:37:090:37:12

Can Mr Moreby find £2,000?

0:37:120:37:15

They said that if you can come up with the two,

0:37:150:37:17

they'd put you on arrangement.

0:37:170:37:18

That's the sort of minimum figure we're looking at.

0:37:180:37:23

Craig gets a call back - the truck he requested is standing by.

0:37:230:37:27

But just in the nick of time, Mr Moreby has had a brainwave.

0:37:270:37:32

How much time have you got left now?

0:37:320:37:34

He's just organising now, why?

0:37:340:37:36

I've got an Audi that I'm selling, the guy's going to pay me.

0:37:360:37:39

I've just actually managed to get hold of the wife,

0:37:390:37:41

so he's going to ring me back. Totally forgot about it.

0:37:410:37:46

How much is this guy looking to buy this car for, then?

0:37:460:37:49

-He's going to put a deposit down, hopefully of the two.

-The two.

0:37:490:37:53

A £2,000 deposit from the buyer might keep

0:37:530:37:56

the claimant happy as a first payment.

0:37:560:37:59

It's not the full amount, but it looks like Mr Moreby has found

0:37:590:38:02

just enough money to convince Craig to call off

0:38:020:38:05

his removal truck for now - if there's a plan for the rest.

0:38:050:38:09

What's the possibility of you raising the money within a week?

0:38:090:38:11

-Within a week?

-Yeah.

-All of it?

-Yeah.

0:38:110:38:14

Yeah.

0:38:140:38:15

Now Craig will have to convince the office

0:38:150:38:18

that Mr Moreby isn't being difficult.

0:38:180:38:20

'The guy, to be fair, is quite open and genuine,

0:38:200:38:22

'he's tried everybody in front of me.'

0:38:220:38:25

When can you get the two for us, sir? Later on today?

0:38:250:38:27

That's what I'm doing now, yeah.

0:38:270:38:29

Craig and Tommy need to move on to their next job

0:38:310:38:35

so, having done all they can for now, they give Mr Moreby

0:38:350:38:38

a control of goods agreement.

0:38:380:38:40

-We've taken control of these items here to act as security...

-Yeah.

0:38:400:38:45

..for the balance of £5,994.87.

0:38:450:38:48

Give me a bell if you get the two, anything, cash, whatever,

0:38:480:38:52

and I can come round and pick it up.

0:38:520:38:54

A sole trader in a garage without a great deal of assets

0:38:540:38:57

is a tricky assignment, but Craig's confident that he's taken

0:38:570:39:00

the best option to get the whole debt paid.

0:39:000:39:03

I think this is a fair result for both parties concerned.

0:39:030:39:06

Ultimately, the assets were insufficient to remove.

0:39:060:39:10

We've took control of them,

0:39:100:39:11

we've entered into an arrangement with the defendant to pay.

0:39:110:39:14

He's going to pay £2,000 later on today

0:39:140:39:16

with the remaining balance within a week.

0:39:160:39:18

Later that day, Craig did get a phone call from Mr Moreby,

0:39:200:39:23

but he only paid £1,000 of the 2,000 he'd promised.

0:39:230:39:28

He insists he intends to pay the rest and clear his debt.

0:39:280:39:31

Today, Chris Pearson has a job that will see him

0:39:440:39:46

enforcing against a household name on behalf of an unpaid client.

0:39:460:39:51

We're off to Manchester today,

0:39:520:39:54

Manchester Airport to see Thomas Cook Airlines Ltd.

0:39:540:39:58

Unfortunately on holiday, but we need to see them on behalf of

0:39:580:40:01

a couple of claimants who have put a claim in for compensation for delay.

0:40:010:40:06

Thomas Cook Airlines, for whatever reason, haven't been forthcoming.

0:40:080:40:12

A ruling by the European Court in 2012 enabled passengers

0:40:140:40:19

who had suffered long flight delays to claim for compensation

0:40:190:40:23

and if Chris doesn't get paid today, he has an alternative plan.

0:40:230:40:27

If push comes to shove, if we can't identify

0:40:280:40:31

any assets to take control of, we have to take control...

0:40:310:40:35

In the event that they don't pay,

0:40:350:40:37

we will need to take control of any available assets.

0:40:370:40:41

Now, if that involves taking control of a plane,

0:40:410:40:44

unfortunately that is what we will need to do.

0:40:440:40:47

Pretty sure it won't come to that, but we are well within our rights

0:40:470:40:50

if they are the only assets available.

0:40:500:40:52

Chris's sheriff powers allow him to visit any address

0:40:570:41:00

in England and Wales where he believes a debtor has assets,

0:41:000:41:04

and that includes Manchester Airport.

0:41:040:41:06

Parent company Thomas Cook made a £66 million profit

0:41:070:41:11

in one year in the UK, so they should have the cash.

0:41:110:41:15

But can Chris walk away with the £4,059 that's owed

0:41:150:41:19

to his clients today?

0:41:190:41:21

-Good morning.

-Hello, there.

0:41:230:41:25

I need to speak to somebody in connection with

0:41:250:41:27

Thomas Cook Airlines Ltd, please.

0:41:270:41:29

Thanks very much.

0:41:300:41:31

Chris is in an on the case, but our camera is asked to leave.

0:41:340:41:37

Travellers at Manchester Airport are flying off on their journeys,

0:41:410:41:44

while on the ground, sheriff Chris is trying to get payment

0:41:440:41:48

for the two clients who were delayed.

0:41:480:41:50

And in record time, Chris is out of the building with news.

0:41:500:41:54

They paid by credit card. I had a PDQ machine at the end of the day.

0:41:560:41:59

Both writs were cleared off, £1,232 for one

0:41:590:42:03

and £2,829 for another one.

0:42:030:42:07

That's two good results in one hit. Happy with that.

0:42:070:42:09

Hardest thing was just waiting and people who, with respect,

0:42:090:42:13

didn't know exactly what it was all about, people trying to help who were

0:42:130:42:17

really just putting barricades in the way, putting obstacles in the way.

0:42:170:42:20

That's a little frustrating at the time, but unfortunately,

0:42:200:42:23

you just have to let people say what they have to say, let them

0:42:230:42:25

get on with it and it'll all come to a peaceful outcome in the end.

0:42:250:42:29

There's just been some glitch somewhere down the line,

0:42:290:42:31

so we don't know what's happened, and to be honest,

0:42:310:42:34

we don't really care what's happened.

0:42:340:42:35

They've cleared up now, that's the end of it.

0:42:350:42:37

A lengthy delay was the cause of the problem, but sheriff Chris Pearson's

0:42:370:42:41

approach has led to a very swift end to this case.

0:42:410:42:45

Thomas Cook Airlines told us...

0:42:480:42:50

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