Episode 4 The Sheriffs Are Coming


Episode 4

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Transcript


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-Meet the sheriffs.

-Let's introduce ourselves.

-Got a High Court writ.

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If it's not payable, we're going to 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.

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

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

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We need to deal with it now.

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-We're going to remove the cost of that value.

-If you're acting on

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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,

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sir, or am I going to force entry into it?

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You need to pay this.

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..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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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 £42,000.

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Coming up...

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One proud Mini owner in Derbyshire put his car in for an engine refit,

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what he got back came as a surprise.

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They really did ruin the car completely.

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Tommy is on the case to get him his money back.

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They way it's standing at the minute,

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they want us to look to remove.

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So we're going to need to get some money together, basically.

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The sheriffs take up the fight for a small dental supply firm in Kent

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who were left feeling numb when they didn't get paid.

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The worst case scenario is that

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I potentially may have to make people redundant.

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Lawrence and Kev are sent to put that right

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My name's Mr Grix, I'm here today

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to take control of goods to the value of £1,022.91.

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And sheriffs Marc and Tony are visiting a car garage.

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We just need to speak to him cos if

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we don't, we'll be taking his cars out of here.

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But taking control of cars is difficult

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when the sheriffs get locked in.

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Today, sheriffs Tommy Coyle and Craig Wild

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are working together in the Midlands.

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They're both glad to have a partner with them because they've got

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a tricky job ahead.

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They're making a return visit to a company called Jonspeed Ltd

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but both of them are feeling the pressure on this case.

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Tommy carried out the first visit on his own

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but couldn't get any money and he had a dispute with the owners.

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We're on our way to a call in Nuneaton this morning,

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it's a business, Jonspeed Ltd, we've been on this call...

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Well, I've been on this call on my own previously.

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Very aggressive from the off, wanted me to leave the premises,

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obviously, I explain I can't do that.

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He's demanding I get out of the building, I stand my ground,

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it gets very heated, I have to call 999, police attend, he's concocted

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a story that I've assaulted him,

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to get me gone, basically.

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So it came out me actually leaving in the end.

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Thankfully, the allegations from staff at the company

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weren't taken any further.

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A few weeks later, I have a letter saying the case has been dropped,

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there's no case to answer cos it was just a ridiculous accusation.

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And we're back here today,

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hoping to meet the gentleman again and get it sorted.

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And the man hoping they really do get it sorted,

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is car-mad retiree, Anthony James, from Derbyshire.

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He's the very proud owner of this Mini.

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It's just that I love Minis.

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I loved the car from the first time I set my eyes on it and

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it was my pride and joy,

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and no matter what that car wanted, money-wise, it had spent on it.

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I would never, ever get rid of it.

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It's looking a bit dirty.

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I'm doing some work on her but I absolutely love it to bits.

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It was originally a Mini Mayfair,

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I've had it resprayed in Aston Martin guards red.

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But like so many of the things in life we love,

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they sometimes cause us a lot of grief.

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Anthony decided to have his Mini's engine refurbished.

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He hoped it would mean improved performance and speed.

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He looked around for a company to do the work

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and settled on a garage called Jonspeed Ltd.

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I entrusted them with the job, spoke to them, they seemed great.

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Me and a friend of mine took the engine out and took it to them.

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Initially, it was for six weeks,

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and unfortunately, the whole escapade lasted some 11 months.

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This is my de-stress room.

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Well, that's all lit up.

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With his Mini off the road,

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Anthony had an attic full of other cars to play with.

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The layout I have is based on '60s Goodwood.

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1,700 cars-plus,

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majority of them, Spanish and older cars

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and it's something I love doing,

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which I spend a lot of time up in my loft restoring

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and I sell on eBay and sell all over the world.

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Never mind, have another go.

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After weeks of waiting, the time came for Anthony to put down

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the Scalextric and go and collect the real engine from Jonspeed Ltd.

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He and his friend, Steven, a car expert,

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brought it home to fit it back into the Mini.

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After the engine had gone in, there was a leak from the water pump.

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The engine smoked, it just wasn't good at all

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and Steven, being a first-class mechanic, that's his trade,

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said, "This is not a particularly good engine, there's problems here."

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Naturally, he contacted Jonspeed Ltd.

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So, I dealt with them and asked them to collect the car, I didn't

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want to take the engine out, it was their responsibility

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because obviously, they'd done the work, so they collected the car

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and had, basically, four attempts to get the engine right.

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Despite that, the engine still wasn't running well.

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Anthony says he returned the car three times

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because the engine appeared to be smoking and when that problem

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seemed to have been fixed, he noticed the oil pressure was wrong.

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It was going down when it should be going up.

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He took it back for a fourth time but it still wasn't fixed.

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He says he lost patience with the garage

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and decided to take his car back for good.

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Well, after 11 months of trying and giving them every opportunity to

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put the car right, they couldn't.

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And on turning up at the workshop, the last time, to pick my car up,

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I was told never to go back to them.

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They made it very, very clear to

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me that they didn't want to see me or my car ever again.

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They really did ruin the car completely.

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I was very close to getting rid of the car.

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He had waited patiently but now, he didn't want to risk

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driving any distance in a car that he felt still wasn't running right.

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He decided he would need advice from another Mini specialist

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and that could mean more work being needed.

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I had to have the engine tuned by a proper specialist

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cos it was so rough.

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It's work after work after work

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but fortunately, now, the car runs perfect, the car's spot-on

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and I've got, touch wood, no more problems.

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Anthony was finally happy.

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The second garage was able to get the car running well

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and he was pleased with their work.

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But as a result, he was left with a bill for £1,000.

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Getting his car fixed up had proved a disaster and as a result,

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Anthony decided to take legal action

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to get back what he'd spent on the engine.

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The decision to go to court was not hard for me.

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It was a straightforward matter.

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I was passionate about the whole thing and it needed to be sorted

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because it's very unfair for us, as customers, we have to pay and

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if we don't pay, there's a problem, they can get their money.

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I paid, upfront, and for all the works done,

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and when it comes to getting your money back, it's a hard, long slog.

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He took his case to court but no-one from Jonspeed Ltd turned up to put

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their side of the story

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and the judgment was made in Anthony's favour.

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I was hoping they would pay up,

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the amount of £4,830 that was awarded.

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Unfortunately, they didn't.

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So then, the bailiffs from the small claims attended Jonspeed

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and had no success in claiming any money whatsoever.

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Now, in the meantime, there was a programme that came on the television

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called The Sheriffs Are Coming and I thought to myself,

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"I think I'll use them."

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The total now stands at over £7,500.

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On the road in Nuneaton, sheriffs Tommy and Craig are hoping

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to get stuck in and get Anthony his money.

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They're about to make their second visit to Jonspeed Ltd.

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The last one ended in confrontation with staff

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and the police had to be called.

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It also turned out that the sheriffs' writ said 'Jonspeed'

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instead of 'Jonspeed Ltd'

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but this time, they have the right name and are looking to get paid.

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There's been a change in name on the writ, they've got the 'Ltd' on there

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as well, so we'll be making a beeline for him

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and having a chat with him and see if he wants to pay this in full.

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There's a lot of money at stake and Tommy doesn't want a confrontation.

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It's always better to double up on these things and to calm

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the aggression down from the start.

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We're bringing the police with us to stop a breach of the peace

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from the off.

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The judgment debt, now, is just short of £8,000.

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There is assets there and if he ain't going to pay anything,

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then we might get the instruction just to remove what is there.

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The unit they are heading to is on an industrial estate,

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so they pull up and wait for the police to arrive.

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I think I've met these guys before.

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What we're going to do is I'm going to drive down

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turn round and pull up so I can come straight out

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and go to enter the unit.

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I don't know if you guys want to pull up straight away or follow me,

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and pull up behind, it's up to you.

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Tommy and Craig are straight in with the police behind them.

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There you go.

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Hello. All right, mate.

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Just trying to get in contact with Mr Warmington.

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-Mr Warmington...

-You all right, mate?

-We're back again.

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They've changed the name on the order

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to Jonspeed Ltd.

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Just sent us back to enforce the writ, unfortunately.

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-Was he going to pay it?

-Yeah.

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But a quick check by Tommy

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confirms no payment has been made

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towards the £7,000+ debt.

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There's absolutely nothing on the file.

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So what did you propose?

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If you had e-mailed 'em and said,

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"We're going to pay £1,000 today...?"

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-Right...

-Then we'll start paying monthly £1,000...

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I asked the question. I said, "What would be acceptable."

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They can't tell you that, it's down to you to offer.

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This employee is saying that he made an offer to pay,

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but Tommy feels he needed to offer a specific amount.

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As the court ordered them to pay up, they should have done so.

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So, you're going to need to get some money together, basically.

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Yeah, I know that.

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The way it stands, they want us to look to remove.

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That's what we're geared up for today,

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hence we've got the police here.

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I'm OK with the police being here,

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especially after what happened last time.

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Yeah, cool. We just need you to make payment or unfortunately...

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-..we need to start listing assets.

-What do we need to pay today?

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Well, the whole amount at the moment.

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We're not going to be able to afford the whole amount.

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But after Tommy's insistence,

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the staff realise they have to make a serious offer today.

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He's gave 'em a debit payment of £1,500 today -

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but...can't stretch any more than that. I might as well shut me door.

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Right. I'll put that to them

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and come and have a chat with you in a second.

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Tommy doesn't think their £1,500 offer is big enough.

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He goes outside to call the office.

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All right, I'll put that to them.

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We'll take it from there. No problem.

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They agree that Jonspeed Ltd need to improve it.

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Negotiations aren't over yet.

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If you pay 2,500 today,

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we will list everything down -

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which is only on paper -

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you then sign a controlled goods agreement,

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like you'll pay 500 a month after the 2,500

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and we go forward from there.

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Are you going to be able to do that? Cos other than that...

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They've agreed to Tommy's offer - it's a major success

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in getting Anthony his money as quickly as possible.

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And it's a big improvement over the last visit.

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It's just going to be a part-payment today of 2,500.

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We're going to take control of everything in there,

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get a controlled goods agreement signed, as we do,

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to secure the rest of the debt. They'll pay £500 a month -

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it's a good result.

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Tommy heads up to the office to arrange today's payment.

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And as part of their repayment agreement, the sheriffs have taken

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control of valuable assets in the garage such as tools and machinery.

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That means the company can't dispose of them

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until the debt is paid - and the sheriffs relinquish control.

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Is it a debit card? Yeah. OK.

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My colleague at the moment is just doing the list of assets.

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Once he's completed that, I'll leave you a copy of everything today,

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I'll briefly go through it with you.

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And I'll do you a handwritten receipt, for your payment today.

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And with the sheriffs' work done, Jonspeed Ltd can go back to work.

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And so can the police, who weren't needed this time round.

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All right, take care. Take care,

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I'll probably see you again in the future.

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Yeah, result. They managed get £2,500 paid on the PDQ machine.

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The value of the stuff was minimal

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compared to what the actual debt is,

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so getting a part-payment as Tommy did was quite an achievement.

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We took control of all the goods in there,

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got them into a controlled goods agreement, £500 per month.

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So it was a good result, considering what happened last time!

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The team at Jonspeed Ltd wanted a chance

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to put their side of the story.

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He didn't fit his oil filter housing correctly,

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which caused a lack of oil

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to go to the engine and blew it up. He blamed us for that.

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We brought the car back here to sort it out

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even though I don't have to sort it out.

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I wouldn't never change from the way I am.

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I'm honest, I'm fair with everybody.

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You know, we only earn an honest living here.

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Tommy and Craig are back on the road,

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and Anthony feels he can move on, as well.

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I feel great now that I've got the money.

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At last, justice has been done and I'd like to say

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to Tommy and Craig, thank you very much for what you've done.

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I really do appreciate it, and long may you be doing the job..

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Being a sheriff is not always a pleasant or easy job.

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They never know what's going to happen when they arrive

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at the place named on a writ. And although they have a very

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high success rate, there are days when things just don't go their way.

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Sheriffs Marc and Tony are about to have one of those days.

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Don't really have any details.

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Amount outstanding is £3,381.76

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The claimant, who doesn't want to be identified,

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bought a car from a dealer in the Southeast.

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The buyer alleged the car was faulty

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and won a court judgment,

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but despite the court's decision, the debt was never paid.

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So now, Marc and Tony will pay the dealer a visit.

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It doesn't take long to locate the premises.

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Yeah, it's on your side.

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There it is, there.

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Sales office.

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They park their van across the entrance and head in.

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-There's a man in the yard...

-Are you all right?

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And he isn't pleased to be filmed. He asks the sheriffs to go.

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We're not going anywhere, mate, cos we're from the High Court,

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so, yeah...

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As they make their way towards the office,

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the man runs ahead of them...

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..and locks the door behind him.

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Hey, mate, do you want to open the door? Here we go.

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It is them - they've got a Company House certificate on the wall.

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The certificate is in the name of the company they're looking for.

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There's another man inside the office

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and he asks the sheriffs what they've come for.

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You all right?

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We have a High Court writ against the company.

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The man says he's nothing to do with the business

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and that the owner isn't here.

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Can you ring him? It's important. We've a High Court writ against him.

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£3,381.

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We just need to speak to him, cos if we don't,

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we'll be taking his cars out of here.

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The man says he'll call the boss and retreats from the window.

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Things aren't off to a good start.

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Although there's a yard full of valuable vehicles,

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the people inside the office don't seem to want to cooperate

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and our camera is attracting some unwelcome attention.

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They really don't like the camera, do they?

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They're now spraying the cameraman with the jetwash.

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It looks like the sheriffs

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will have to take control of the company's goods.

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As Tony makes a list of cars, Marc's phone rings.

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-I don't know.

-Oh, that could be him.

0:18:230:18:25

Hello?

0:18:250:18:27

Hello? Hello, mate.

0:18:270:18:29

Could this be the absent boss?

0:18:290:18:31

Who am I speaking to?

0:18:310:18:33

It's to do with a High Court writ.

0:18:340:18:36

Suddenly, a large bucket of water is thrown over our cameraman,

0:18:370:18:41

and the camera is disabled.

0:18:410:18:43

A short while later, we continue filming on a mini camera.

0:18:460:18:50

Another camera arrives to replace the water-damaged one.

0:19:150:19:19

The sheriffs have now been at the garage for four hours

0:19:190:19:22

and the situation has deteriorated.

0:19:220:19:25

The business has refused to pay

0:19:250:19:27

and the sheriffs have clamped one of the cars.

0:19:270:19:30

Usually, this tactic prompts debtors to try and find some money,

0:19:300:19:34

but today, it's different.

0:19:340:19:36

More people connected to the garage have arrived and one of them

0:19:360:19:39

has parked across the entrance,

0:19:390:19:41

preventing the sheriffs removing any cars.

0:19:410:19:44

They've also chained up the gate with Marc and Tony inside.

0:19:440:19:47

Only one thing is going to resolve this situation -

0:19:470:19:51

Tony has called the police.

0:19:510:19:54

But as the sheriffs wait, locked

0:19:540:19:57

uncomfortably inside the premises, there is no sign of the police.

0:19:570:20:01

More time passes and the sheriffs'

0:20:010:20:04

tow trucks have arrived to take cars.

0:20:040:20:08

But there's still no police.

0:20:080:20:10

It's an offence to prevent a sheriff from carrying out his work,

0:20:100:20:14

but people at the garage have no intention of letting Marc

0:20:140:20:17

and Tony take cars.

0:20:170:20:19

With no police to help, Marc thinks the situation can't be saved.

0:20:190:20:23

He is now just looking at getting out.

0:20:230:20:25

We ain't getting nowhere. We're just going to leave.

0:20:250:20:29

-They're going to let us out.

-Yeah?

-Yeah. You go.

0:20:290:20:32

Just leave it at that.

0:20:320:20:34

-Sorry, guys, but...

-No, no, that's fine.

0:20:340:20:37

Staff at the garage agree to unlock the gate

0:20:390:20:42

if the sheriffs are only taking control of cars on paper,

0:20:420:20:45

so finally Marc and Tony walk out.

0:20:450:20:48

It's a frustrating end to a long day.

0:20:480:20:51

They've let us out, so...

0:20:520:20:54

Well, to be honest,

0:20:540:20:56

that was probably the most horrendous job I've done in 12,

0:20:560:20:59

13 years of doing the job.

0:20:590:21:01

We ended up getting locked in the yard, we was getting nowhere.

0:21:030:21:07

We've called the police over four hours ago.

0:21:070:21:12

It's just bit of a pain really,

0:21:120:21:14

cos we could have done with actually taking the cars away

0:21:140:21:17

but we've spent a good five hours of our day stuck here

0:21:170:21:21

wanting to enforce the writ which means either collecting the payment

0:21:210:21:25

or taking goods away to cover the debt, so all in all,

0:21:250:21:29

it's been a bit of a bad day.

0:21:290:21:30

Sometimes a sheriff as experienced as Marc knows he must admit defeat.

0:21:320:21:36

Tony's had enough, he wants to go home.

0:21:380:21:40

And that is where the case ended for the sheriffs.

0:21:420:21:45

After an appeal by the garage,

0:21:450:21:47

the original judgment was set aside and no further action taken.

0:21:470:21:52

So Marc and Tony were only too glad they didn't have to return.

0:21:520:21:56

These days, sheriffs are officially called

0:22:080:22:11

enforcement agents of the High Court.

0:22:110:22:13

Yeah, who are you, sir?

0:22:130:22:14

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

0:22:140:22:16

We're here to collect £1,930.20.

0:22:160:22:19

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

0:22:210:22:25

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

0:22:250:22:28

They enforce High Court writs

0:22:300:22:32

and also have protection under the law.

0:22:320:22:34

Craig, do you want to ring the police?

0:22:340:22:36

This gentleman's stopping me doing my job.

0:22:360:22:39

Stop a sheriff from doing his job and you've committed

0:22:390:22:42

a criminal offence.

0:22:420:22:43

We've got a legal document to evict you.

0:22:450:22:47

They can call the police who can arrest you, charge you

0:22:470:22:50

and take you into custody...

0:22:500:22:52

You don't have to say anything but it can harm your defence.

0:22:520:22:56

..leaving the sheriffs to recover the money their clients are owed.

0:22:560:22:59

It's 1,857.90, which needs to be paid today.

0:22:590:23:04

A High Court writ costs £60.

0:23:040:23:06

It's very odd.

0:23:060:23:08

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

0:23:080:23:11

Yay!

0:23:110:23:12

And if they're unsuccessful, the only cost is a compliance fee

0:23:120:23:16

of £75 plus VAT for each enforcement.

0:23:160:23:20

It's late morning in Kent.

0:23:330:23:35

Kev and Lawrence have already made several visits and they're

0:23:350:23:39

looking to get their teeth into one more before biting into lunch.

0:23:390:23:43

We're on our way to a Miss Meha Surendra Opie.

0:23:430:23:48

But we're actually going to a dental practice.

0:23:480:23:50

Generally speaking, dentists have got money.

0:23:500:23:54

So, hopefully, we should be able to clear this up.

0:23:540:23:57

But it's not just cash they can take.

0:23:570:23:59

Dental chairs are highly valuable,

0:23:590:24:03

along with some of their other equipment.

0:24:030:24:05

Obviously, it tends to be bolted to the floor.

0:24:050:24:09

But this isn't an ordinary case.

0:24:090:24:11

Today, the sheriffs are acting on behalf of a company

0:24:110:24:13

they've helped to keep afloat over the years,

0:24:130:24:16

by chasing debts and ensuring they got paid.

0:24:160:24:18

This is Dental Sky in Ashford, Kent.

0:24:200:24:23

It's a small dental wholesalers which supplied dentist

0:24:230:24:26

Meha Opie with consumables and disposable stock for the surgery,

0:24:260:24:31

but were not paid for what they supplied.

0:24:310:24:34

Carla Sutcliffe runs the business

0:24:340:24:36

and she's very worried that the unpaid debt

0:24:360:24:38

could have a major impact on the business she has helped to build.

0:24:380:24:42

Well, the sheriffs are my last hope on this.

0:24:420:24:45

If they can't collect,

0:24:450:24:47

then I'm going to have some short-term cash flow problems.

0:24:470:24:51

The worst-case scenario is that I potentially may have to

0:24:510:24:56

make people redundant.

0:24:560:24:57

Carla's business nearly went under a few years ago.

0:24:570:25:01

The company had several hundred thousand pounds of unpaid debts

0:25:010:25:05

and would have folded, if they hadn't brought in the sheriffs.

0:25:050:25:09

I soon realised that the only way we were going to survive

0:25:090:25:13

was to...pursue these debts.

0:25:130:25:18

We are not a big corporate company, we can't afford to absorb bad debt.

0:25:180:25:23

The sheriffs tracked down much of the money owed to the company.

0:25:230:25:27

It was a life-saver to the 40 people employed here.

0:25:270:25:30

Without that, we would never have survived.

0:25:300:25:34

And in the case of Meha Opie the dentist,

0:25:340:25:37

there's nearly £1,200 owed.

0:25:370:25:39

A repayment plan was in place, but it wasn't followed properly.

0:25:390:25:43

So Carla feels she's waited long enough before

0:25:430:25:46

calling in the sheriffs.

0:25:460:25:47

She made an offer to pay £300 a month which I accepted.

0:25:470:25:53

She didn't make the payments so then it had to be pursued.

0:25:530:25:58

The sheriffs are always the last resort.

0:25:580:26:01

I never want to have to go to them,

0:26:010:26:03

but it's a needs-must situation and I know they'll deliver.

0:26:030:26:06

But whether they can deliver or not is now a matter

0:26:150:26:18

for Lawrence and Kev.

0:26:180:26:19

-Here it is.

-Indeed it is.

0:26:190:26:21

See if that quizzer's on.

0:26:220:26:24

-Hi there.

-Hi, I'm looking for a Ms Meha Surendra Opie.

0:26:240:26:29

She's not here? So, does she actually own the practice?

0:26:300:26:33

So, everything here is hers?

0:26:340:26:35

Excellent.

0:26:370:26:38

If she owns the surgery, then goods here are more likely to be hers

0:26:380:26:42

and the sheriffs could take control of them.

0:26:420:26:45

Lawrence quickly gets her number

0:26:450:26:47

so he can explain in person that the sheriffs have come to have a chat.

0:26:470:26:51

Hello, is that Ms Meha Opie?

0:26:530:26:56

Good afternoon, my name's Mr Grix, I'm an enforcement agent.

0:26:560:27:00

I'm at your dental practice at the moment.

0:27:000:27:02

I have a High Court writ in favour of Dental Sky Wholesale Ltd.

0:27:020:27:07

And I'm here today to take control of goods to the value of £1,022.91.

0:27:070:27:12

The only way to prevent further action is pay in full.

0:27:130:27:17

Lawrence is straight through but there's a problem.

0:27:170:27:20

The dentist says she has been making monthly payments of £300

0:27:200:27:24

as agreed by the court.

0:27:240:27:26

Right, so you've paid June, July...?

0:27:260:27:29

And that's it, you've not paid August yet?

0:27:290:27:32

OK, bear with me, what I'll do, I've got your number,

0:27:320:27:35

I'm going to get in touch with my office and find out what's going on

0:27:350:27:37

and I'll give you a ring back.

0:27:370:27:40

OK? Bye-bye.

0:27:400:27:41

But Kev has a suspicion of what's happened.

0:27:430:27:46

So she, she knew all about it...?

0:27:460:27:48

Yeah, if she's paid late by a day, though,

0:27:480:27:50

she's breached the court order.

0:27:500:27:53

A quick call to the office puts Lawrence in the picture.

0:27:530:27:56

Cheers, bye.

0:27:560:27:57

I found out that at least one of the payments was late,

0:27:570:28:00

there was payment made on the 31st of July, obviously should have been

0:28:000:28:03

the 23rd of July so it looks like she's paying late.

0:28:030:28:06

If a court order says that you pay by that date,

0:28:060:28:09

those funds have to clear by that date.

0:28:090:28:11

So, I'm just going to give her a buzz back.

0:28:110:28:13

With the court order breached, Carla now wants payment in full.

0:28:150:28:18

And whilst Lawrence gives the dentist the bad news,

0:28:180:28:21

Kev has his mind on the backup plan.

0:28:210:28:23

What we'll do is stay on site

0:28:230:28:25

at the moment, just in case she doesn't pay

0:28:250:28:27

and we have to potentially remove goods as there's...I guess there's

0:28:270:28:32

going to be a lot of value here if we need to.

0:28:320:28:35

Lawrence has spoken to the dentist and she promised to pay

0:28:350:28:38

the full sum, of over £1,000, straight away.

0:28:380:28:42

She's on the motorway coming down from Derby

0:28:420:28:46

and she's going to pull into motorway services

0:28:460:28:49

so that she can get an internet connection

0:28:490:28:51

and make a payment online...um...

0:28:510:28:55

A little while ago I spoke to her, now.

0:28:560:28:58

Straight to voicemail.

0:29:010:29:02

With no further word on payment,

0:29:040:29:06

Kev decides to see exactly what assets are here.

0:29:060:29:10

Pretty sure that on its own will be more than enough to cover the amount

0:29:100:29:14

we're after at the moment.

0:29:140:29:15

But as Lawrence said, he'll have to unbolt the chair from the floor

0:29:150:29:18

if it's to be taken.

0:29:180:29:21

Outside, Lawrence is back in touch with the debtor.

0:29:210:29:24

She says she's paid the full amount to clear the debt.

0:29:240:29:27

Right, what I'll do, I'll just give my office a ring

0:29:270:29:30

just to confirm that

0:29:300:29:31

and then I'll leave some paperwork and a receipt for you

0:29:310:29:34

in a sealed envelope with your receptionist.

0:29:340:29:37

OK? Thanks. Bye-bye.

0:29:370:29:39

A quick check reveals the account is now settled.

0:29:420:29:45

Lawrence doesn't understand

0:29:460:29:48

why people don't run their accounts more carefully.

0:29:480:29:51

One of the payments was late, at least one of them,

0:29:510:29:54

so she was in breach of the court order, basically,

0:29:540:29:57

so the full amount was due.

0:29:570:29:58

She pulled into the motorway services where she could get

0:29:580:30:01

a signal on her computer, went on to our online card payment system

0:30:010:30:04

and paid in full online.

0:30:040:30:05

If you've got the money to pay a debt you should just pay it,

0:30:050:30:07

because if you opt to pay by instalments and it's down to you

0:30:070:30:10

to make the payments and you miss an instalment, then you leave yourself

0:30:100:30:15

open to due legal process and we can be knocking on your door.

0:30:150:30:18

So if you've got the money to pay a debt, why not just pay it?

0:30:180:30:21

It's been another good day for Lawrence and Kev.

0:30:240:30:27

But more importantly, it means Carla Sutcliffe's Dental Sky in Kent

0:30:270:30:31

getting back the money that they're owed.

0:30:310:30:34

Absolutely delighted and it's a huge relief.

0:30:340:30:38

They were able to recover...

0:30:380:30:42

It was about £1,200 which doesn't sound like a lot of money

0:30:420:30:45

to some people...um...but now, it means I can pay a few bills,

0:30:450:30:50

but it also means that we can continue trading...confidently.

0:30:500:30:55

I would urge all small businesses

0:30:580:31:00

not to try and deal with debt on your own.

0:31:000:31:02

It's really not worth it.

0:31:020:31:04

There is somebody out there that can help you.

0:31:040:31:07

It's just learning how to go through the process

0:31:070:31:10

and not being frightened of it.

0:31:100:31:12

For a £60 fee, the sheriffs can enforce a High Court writ,

0:31:250:31:30

and that means they're out trying to get people the money they're owed,

0:31:300:31:33

whatever the weather.

0:31:330:31:34

We're out this morning on this very cold wintry morning in a little

0:31:360:31:41

place near Worcester. We're out to see a limited company called

0:31:410:31:45

Rhino Recycling Ltd, near enough £7,700 balance on the account.

0:31:450:31:50

But this isn't the first time Craig has driven down this road.

0:31:510:31:55

I've personally been here before, took control of goods and entered

0:31:550:32:00

into an arrangement with the director of the company

0:32:000:32:03

to pay £1,000 a week.

0:32:030:32:04

Um...he paid me £1,600 on the day but unfortunately,

0:32:040:32:08

since then, he's failed to maintain his arrangement,

0:32:080:32:10

hence the reason why me and Tommy are back.

0:32:100:32:12

On arrival at the site, there's a locked gate between the sheriffs

0:32:220:32:25

and the company they're after.

0:32:250:32:27

They have the authority to gain access by climbing the fence -

0:32:270:32:31

it's part of their power as sheriffs.

0:32:310:32:33

But on this cold and frosty day,

0:32:330:32:34

they are going for a different tactic.

0:32:340:32:37

So the plan is just to sort of hang back here at the moment, hoping that

0:32:370:32:41

somebody will come onto the estate or come out of the estate

0:32:410:32:44

so therefore, the gates will automatically open.

0:32:440:32:48

And then we can gain our entry that way.

0:32:480:32:50

There's a car coming.

0:32:530:32:54

Can you just follow him in?

0:32:560:32:57

Yeah, yeah. Not yet, not yet, wait until...and go.

0:32:570:33:03

Craig's tactic has worked,

0:33:030:33:05

and its a bit more subtle than scaling the fence.

0:33:050:33:08

Craig and Tommy are in.

0:33:080:33:10

Time to find out why the company has stopped paying as per

0:33:100:33:13

the agreement from Craig's last visit.

0:33:130:33:15

See the white lorry there? That's their truck.

0:33:150:33:18

That's the little hut there?

0:33:180:33:19

Yeah, that's his office. And this is all of it.

0:33:190:33:22

It's a large open-air recycling site for industrial companies.

0:33:220:33:26

It stinks, doesn't it?

0:33:260:33:28

But the sheriffs head straight to the nerve centre - this hut.

0:33:280:33:32

-Hello, sir.

-Hello, mate.

-Is the director about at all?

0:33:320:33:35

-No, I'm afraid.

-Can he be contacted at all?

0:33:350:33:37

Don't care, can we have him out, please?

0:33:380:33:40

They ask us to leave the hut, but Craig and Tommy investigate

0:33:400:33:43

why the agreement to pay is not being kept to.

0:33:430:33:46

And after a bit of negotiation,

0:33:470:33:49

Tommy thinks they're getting somewhere.

0:33:490:33:51

Craig spoke to the director, who he spoke to on his previous visit,

0:33:530:33:57

explained that he signed the controlled goods agreement,

0:33:570:34:00

he hasn't made the payments, needs to pay in full.

0:34:000:34:02

The director is having two teeth out quite urgently this morning,

0:34:020:34:06

just about to get to the dentist.

0:34:060:34:08

He says he can pay £1,000.

0:34:080:34:11

With £1,000 today and £1,600 paid on Craig's previous visit,

0:34:110:34:16

they will still need nearly £5,000 to clear the debt.

0:34:160:34:20

If the cash isn't available on the day,

0:34:200:34:22

Craig will look at taking control

0:34:220:34:24

of any expensive plant equipment the company may have.

0:34:240:34:28

That means it can be sold at auction to clear a debt.

0:34:280:34:31

But Craig will have to prove it belongs to the company.

0:34:310:34:34

He's also saying that everything here is on finance.

0:34:340:34:37

He's not supplied that evidence which he should have done

0:34:370:34:40

when the goods were taken control of.

0:34:400:34:42

But we will still look at it.

0:34:420:34:44

So he's got an employee in there digging out the information

0:34:440:34:47

about everything being on finance.

0:34:470:34:49

I mean, if everything is on finance, then obviously

0:34:490:34:52

we need to renegotiate, maybe look at accepting what he's got today

0:34:520:34:57

and getting him back into an agreement.

0:34:570:34:59

It can go either way at the minute -

0:34:590:35:01

if all stacks up and it is on finance,

0:35:010:35:02

there is no nothing we can legally remove.

0:35:020:35:05

In the hut,

0:35:050:35:06

Craig is with company staff as they look through their records

0:35:060:35:09

to find any credit agreements for the equipment that is here.

0:35:090:35:13

The sheriffs are hoping to prove

0:35:130:35:14

that some of it is owned by the company.

0:35:140:35:17

Craig's just going through some paperwork with the gentleman

0:35:190:35:22

but at the moment, it's looking like anything of any real monetary value

0:35:220:35:27

is on a lease or an agreement.

0:35:270:35:30

We're still going to be getting some money today,

0:35:300:35:33

we're just going to keep pressing and getting as much as we can today

0:35:330:35:35

and then probably look at getting him back on an agreement but

0:35:350:35:38

obviously we're not going to let him know that yet until we've gone

0:35:380:35:41

through all the paperwork with a fine-tooth comb.

0:35:410:35:44

But the sheriffs want the maximum for their client.

0:35:460:35:49

Craig is going to check the site for any unlisted gear...

0:35:490:35:52

..which gives Tommy a chance to attend to more personal matters.

0:35:570:36:01

It's a beard comb. Just to keep myself well groomed, you know?

0:36:030:36:08

And while Tommy is thorough with his grooming,

0:36:110:36:14

Craig's examination of the records has revealed that there might

0:36:140:36:17

be a few items the sheriffs can take control of.

0:36:170:36:20

Unfortunately for them, there are some assets which aren't on finance,

0:36:200:36:23

which we are liable to take today - this was the office furniture and

0:36:230:36:27

a few items of plant.

0:36:270:36:30

The sheriffs have the power to search the site.

0:36:300:36:33

By finding the equipment the company does own,

0:36:330:36:35

Craig is in a stronger position to push them

0:36:350:36:38

to make a decent cash offer to get the debt paid.

0:36:380:36:41

And that's what he's now doing.

0:36:410:36:43

Inside the hut,

0:36:430:36:44

he's managed to get a better offer than their original £1,000.

0:36:440:36:48

However, it's not a paid in full, or PIF for short.

0:36:480:36:52

So, we've come to an arrangement today to pay £2,000 today,

0:36:520:36:58

£2,700 in a weeks' time,

0:36:580:37:00

£1,500 a week after that,

0:37:000:37:03

and the remaining £1,500 a week after that.

0:37:030:37:06

So all in all, in four weeks' time, it will be paid.

0:37:060:37:09

As happy as we can be today - obviously it's not a PIF but it's

0:37:090:37:12

a result with the situation we had. So...yeah, happy.

0:37:120:37:16

Let's go.

0:37:180:37:20

Rhino Recycling later failed to keep up repayments

0:37:200:37:23

via the sheriffs

0:37:230:37:24

and the team are awaiting instructions from their client.

0:37:240:37:27

Sheriffs Tommy Coyle and Craig Wild are heading into central Nottingham

0:37:370:37:41

looking for a place that's rumoured to do the best sandwiches in town.

0:37:410:37:45

But they won't be trying them.

0:37:450:37:47

Right, so, we're in Nottingham today, off to see Brown Betty's,

0:37:470:37:51

it's a sandwich bar.

0:37:510:37:53

The claimant itself is a company called Manor Foods, we understand

0:37:530:37:56

that they probably supply food to these premises.

0:37:560:37:59

We've had a little look at it on the internet, it looks quite popular,

0:37:590:38:04

it's got some good write-ups about their sandwiches and breakfasts

0:38:040:38:08

they do, so they seem to do quite well.

0:38:080:38:10

The debt itself is quite large, it's just short of £15,000,

0:38:100:38:16

so not a small amount of money.

0:38:160:38:18

So the intention is to gain access

0:38:180:38:21

as quick as we can, and see where we go from there.

0:38:210:38:25

Hopefully might get a paid in full.

0:38:250:38:27

Debts or not, Craig has fond memories of Nottingham.

0:38:270:38:31

Back in the day, it was quite a good nightlife.

0:38:330:38:37

The ratio was always quite good in Nottingham...

0:38:370:38:40

Colleagues told me it was about six to one, and I couldn't believe that

0:38:400:38:44

but when I found myself here on a few nights, it wasn't a six to one,

0:38:440:38:48

it was a good five.

0:38:480:38:49

And the nightclubbing lifestyle has been good to Craig.

0:38:510:38:54

I did meet my wife in a nightclub, but not up here, in Birmingham.

0:38:540:39:01

Been happily married ever since. So...yeah.

0:39:010:39:04

Yeah?

0:39:050:39:07

But his relationship with his other partner

0:39:070:39:09

is getting off to a bad start today.

0:39:090:39:12

Why don't you take one for the team? I did yesterday.

0:39:120:39:15

I ain't paying again. I ain't paying for parking every day.

0:39:150:39:19

Lend me four quid.

0:39:190:39:20

I paid £6 yesterday.

0:39:200:39:23

He don't like parting with money, our Wild.

0:39:230:39:27

He's collected millions in unpaid debts over the years,

0:39:270:39:31

but putting small change into a parking machine has stumped Craig.

0:39:310:39:35

Welcome to Nottingham.

0:39:350:39:36

-Eh?

-Oh, geez!

0:39:360:39:39

What's the problem? It ain't rocket science, son.

0:39:390:39:42

-Nah. Can't do it.

-Why?

-Won't accept the money.

0:39:420:39:47

Check tariff, put the money in, press the green button.

0:39:470:39:50

Do that then. There you go. Press green.

0:39:500:39:54

Yeah. That's green, yes, isn't it?

0:39:540:39:57

Finally, they're parked up legitimately.

0:39:570:40:00

-Done?

-We're in, we're in.

0:40:000:40:01

Now they can get on with the job at the sandwich shop.

0:40:030:40:06

It's a busy place and the sheriffs don't want to interrupt them

0:40:130:40:16

from serving customers.

0:40:160:40:19

# Whoa Brown Betty, bam ba lam. #

0:40:190:40:21

You all right? Is the boss about?

0:40:210:40:23

You're all bosses? Is there anywhere I can have a word in private?

0:40:240:40:27

I can come out the back if you want me to,

0:40:270:40:29

I'll explain everything to you.

0:40:290:40:31

-I'll wait here.

-If there's only room for two it's fine.

0:40:330:40:37

Tommy moves out of the way of paying customers

0:40:370:40:40

as our camera is asked to wait outside.

0:40:400:40:43

Being asked to pay almost £15,000 is a shock for any small business.

0:40:430:40:48

And whilst Tommy explains,

0:40:480:40:50

Craig stays inside to get an idea of what assets might be in the shop.

0:40:500:40:55

The sheriffs need to see what money, if any, they can get today.

0:40:550:40:59

It's all down to the sheriffs' negotiating skills

0:40:590:41:02

but the staff are saying there's no way they can pay.

0:41:020:41:05

They seem to be like a family-run business, they've been here

0:41:050:41:08

in excess of 30 years, trading.

0:41:080:41:10

Tom is explaining the situation to them now.

0:41:120:41:15

We want to be as discreet as possible,

0:41:150:41:16

they're a small family-run business,

0:41:160:41:18

so we don't want to affect it too much.

0:41:180:41:20

Absolute maximum I can get is £1,000 today.

0:41:200:41:22

There's limited assets. I've explained you're going

0:41:220:41:25

to come in now - be very discreet,

0:41:250:41:26

list some items, do it from the other side if you can.

0:41:260:41:29

I've done most of it.

0:41:290:41:30

Have you done most of it? If you can just do that for me, I'm going to do

0:41:300:41:33

the rest of the paperwork in there.

0:41:330:41:36

Can I have a receipt book as well, mate?

0:41:360:41:39

While some jobs require them to deal with confrontational non-payers,

0:41:390:41:43

the sheriffs can see the sandwich shop needs more careful handling.

0:41:430:41:47

They realise that if they take too much cash or stock from the shop,

0:41:470:41:51

then the business won't be able to make any money from customers.

0:41:510:41:55

That would mean the nearly £15,000 debt won't get paid.

0:41:550:41:59

And after further discussions inside, the till is opening.

0:41:590:42:03

They've agreed to make a payment.

0:42:030:42:05

Tommy and Craig's softer approach has got a result,

0:42:050:42:08

and the sheriffs are leaving without removing a single bread roll.

0:42:080:42:12

Yeah, that went fine, they got as much money as they can which was

0:42:120:42:16

£1,000 cash today, which we're quite happy with. Took control of the

0:42:160:42:20

rest of the goods on site, got a CGA, controlled goods agreement signed.

0:42:200:42:24

They're going to forward a proposal into the office within 24 hours.

0:42:240:42:28

They're all quite compliant, no aggression at all,

0:42:280:42:32

being a sandwich bar, very little assets within the premises

0:42:320:42:37

and what assets they had were of minimal value.

0:42:370:42:40

It is a small business, they'd rather keep it running

0:42:400:42:43

so they can get this debt paid.

0:42:430:42:45

To do that, we took the part payment

0:42:450:42:48

and looked to give them the agreement.

0:42:480:42:50

Good result for the sheriffs and hopefully another happy claimant.

0:42:500:42:53

The sandwich shop later agreed to pay £500 a month

0:42:530:42:58

to clear the remaining debt.

0:42:580:43:00

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