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If you're owed money, but aren't getting paid, | 0:00:02 | 0:00:04 | |
it's time to call the sheriffs. | 0:00:04 | 0:00:05 | |
My name's Mr Grix, my colleague and I are enforcement agents. | 0:00:05 | 0:00:08 | |
I'm here to issue a High Court writ. | 0:00:08 | 0:00:09 | |
I've got to do what I'm instructed to by the courts. | 0:00:09 | 0:00:12 | |
They're enforcement agents of the High Court. | 0:00:12 | 0:00:14 | |
And if a court's ruled in your favour - they're on your side. | 0:00:14 | 0:00:19 | |
If the debtor doesn't want to pay... | 0:00:20 | 0:00:21 | |
You currently owe £9,461.80. | 0:00:21 | 0:00:25 | |
..the law says the sheriffs can get you what you're owed. | 0:00:25 | 0:00:28 | |
If you don't come to the door | 0:00:28 | 0:00:29 | |
we have to remove the vehicle off the drive. | 0:00:29 | 0:00:31 | |
You'll have a week to pay in full before it gets sold at auction. | 0:00:31 | 0:00:34 | |
Whether it's a small company... | 0:00:34 | 0:00:36 | |
Can I speak to the person in charge, please? | 0:00:36 | 0:00:38 | |
..or a household name... | 0:00:38 | 0:00:39 | |
We're here to see somebody from G4S. | 0:00:39 | 0:00:41 | |
..if they owe you money - the sheriffs get it paid. | 0:00:41 | 0:00:44 | |
I'm not going anywhere, you get him to come in here. | 0:00:44 | 0:00:46 | |
We're not going to be waiting around like that, it needs to be done now. | 0:00:46 | 0:00:49 | |
I just collected 42 grand. | 0:00:49 | 0:00:50 | |
Coming up - Lawrence and Kev face | 0:00:53 | 0:00:56 | |
an unusual barricade on an eviction job. | 0:00:56 | 0:00:58 | |
This will be interesting. | 0:00:58 | 0:01:01 | |
I think he's probably deadlocked it off, mate. | 0:01:01 | 0:01:03 | |
But will they be able to get in and reclaim the building for its owners? | 0:01:03 | 0:01:07 | |
When Stephen McKinnon moved to London, | 0:01:09 | 0:01:11 | |
he was messed around by a lettings agent. | 0:01:11 | 0:01:14 | |
I came home one day | 0:01:14 | 0:01:15 | |
and there was another person living in the living room. | 0:01:15 | 0:01:18 | |
He moved out and is owed compensation. | 0:01:18 | 0:01:21 | |
Can the sheriffs get him his money? | 0:01:21 | 0:01:23 | |
As we're here now with the High Court warrant, we have to insist on full payment. | 0:01:23 | 0:01:27 | |
Mechanic Dilwyn Stoole was sold a duff second-hand engine. | 0:01:27 | 0:01:31 | |
It was in a dreadful state. | 0:01:31 | 0:01:33 | |
It really wasn't the engine that these people had promised me. | 0:01:33 | 0:01:35 | |
But when Sheriff Alan enters the scrapyard which sold it to him, | 0:01:35 | 0:01:39 | |
things get nasty. | 0:01:39 | 0:01:40 | |
It's a dangerous place where you are, Mr Khan. | 0:01:45 | 0:01:47 | |
And Tommy and Craig pay a visit to a multi-billion pound company. | 0:01:47 | 0:01:52 | |
Can they get the money owed to a former worker? | 0:01:52 | 0:01:55 | |
Big old place, this, isn't it? | 0:01:55 | 0:01:56 | |
We want the main reception, don't we? | 0:01:56 | 0:01:59 | |
It's an early start for enforcement agents Lawrence Grix | 0:02:03 | 0:02:06 | |
and Kev McNally who are on their way to a car garage in Luton. | 0:02:06 | 0:02:10 | |
The business owner has stopped paying rent, | 0:02:10 | 0:02:13 | |
so the landlord wants the premises back. | 0:02:13 | 0:02:16 | |
It's a car body shop | 0:02:16 | 0:02:17 | |
and the tenant has been evicted twice already, I believe, | 0:02:17 | 0:02:21 | |
but he keeps breaking back in again and carrying on business, | 0:02:21 | 0:02:24 | |
so we're going up there today taking possession of the premises | 0:02:24 | 0:02:28 | |
and then handing it over to the client. | 0:02:28 | 0:02:30 | |
This job is a writ of possession, | 0:02:30 | 0:02:32 | |
where the sheriffs are taking back a building | 0:02:32 | 0:02:34 | |
rather than pursuing a debt, | 0:02:34 | 0:02:36 | |
but from the information they've been given, | 0:02:36 | 0:02:38 | |
it sounds like there could be complications. | 0:02:38 | 0:02:41 | |
We've been advised that the roller shutter | 0:02:41 | 0:02:43 | |
may be blockaded on the inside by a vehicle. | 0:02:43 | 0:02:46 | |
And that's not all. | 0:02:46 | 0:02:48 | |
There's a small gated yard to the front | 0:02:48 | 0:02:49 | |
where we've been advised there might be a dog. | 0:02:49 | 0:02:52 | |
Doesn't sound too bad. | 0:02:53 | 0:02:56 | |
-Famous last words. -Yeah, I bet it'd still bite you. | 0:02:56 | 0:02:59 | |
Maybe. | 0:03:00 | 0:03:01 | |
When they arrive, it's still early and the garage is shut. | 0:03:03 | 0:03:07 | |
It becomes immediately obvious | 0:03:07 | 0:03:09 | |
that they've got a problem on their hands. | 0:03:09 | 0:03:12 | |
-Oh, so that's what he's doing. -Oh, now I understand. -Yeah. | 0:03:12 | 0:03:16 | |
So, that is going to be a bit of a pain. | 0:03:16 | 0:03:18 | |
We were presuming the car was inside and the door opens outwards, | 0:03:18 | 0:03:22 | |
but the door opens outwards with a car in front. | 0:03:22 | 0:03:24 | |
So, we've now got to get the car moved back | 0:03:26 | 0:03:28 | |
before we can get through the door. | 0:03:28 | 0:03:30 | |
As the handbrake's on, that's going to be tricky, | 0:03:31 | 0:03:34 | |
but locksmith Andy Marsh thinks he might be able to help. | 0:03:34 | 0:03:37 | |
Could try and open it through the...the air bag... | 0:03:38 | 0:03:42 | |
-You've got a puffy bag, have you? -Yeah. | 0:03:42 | 0:03:44 | |
-And then see if we can pull the door handle, see if that does it. -Yeah. | 0:03:44 | 0:03:47 | |
If Andy can get in and take the handbrake off, | 0:03:47 | 0:03:50 | |
it'd be problem solved. | 0:03:50 | 0:03:52 | |
We use air bags. That won't damage the vehicle in any way. | 0:03:52 | 0:03:57 | |
It's all electric, so you won't be able to wind the windows down, | 0:03:57 | 0:04:00 | |
so it's pretty much fingers crossed on this one. | 0:04:00 | 0:04:03 | |
The pressure's on. | 0:04:03 | 0:04:05 | |
While Andy gets started, | 0:04:06 | 0:04:08 | |
Lawrence and Kev get their bit of good news - | 0:04:08 | 0:04:11 | |
-the dog's not here. -The neighbour has advised us | 0:04:11 | 0:04:13 | |
that if the dog was in there, we'd have heard it by now. | 0:04:13 | 0:04:16 | |
So, not going to get bitten, as yet. That's always nice to hear. | 0:04:16 | 0:04:20 | |
Meanwhile, Andy's struggling. | 0:04:20 | 0:04:22 | |
I think he's probably deadlocked it off, mate. | 0:04:24 | 0:04:27 | |
If the car's been fitted with deadlocks, | 0:04:27 | 0:04:29 | |
they won't get in without a key. | 0:04:29 | 0:04:31 | |
Oh, yeah, of course. It's Vauxhall, isn't it? | 0:04:31 | 0:04:33 | |
Some you win, some you lose. | 0:04:33 | 0:04:34 | |
But one way or another, it'll be moved. | 0:04:34 | 0:04:38 | |
The only option now might be a tow truck, | 0:04:38 | 0:04:40 | |
which the landlord has said they would provide if needed. | 0:04:40 | 0:04:44 | |
Lawrence gets on the phone, only to find they've been let down. | 0:04:44 | 0:04:48 | |
She's just informed me her nephew was looking into it | 0:04:48 | 0:04:50 | |
and the guy they were going to use is in Poland, | 0:04:50 | 0:04:52 | |
so he's been trying to find somebody else. | 0:04:52 | 0:04:55 | |
If the sheriffs had known, they would've brought one themselves. | 0:04:55 | 0:04:58 | |
-Now it's too late. -This is one of the issues you get. | 0:04:58 | 0:05:01 | |
Occasionally, a client says they're going to arrange a truck, | 0:05:01 | 0:05:05 | |
so we've left it for them to arrange a truck. | 0:05:05 | 0:05:07 | |
Soon, the landlord herself arrives with her solicitor, | 0:05:09 | 0:05:12 | |
and it turns out she's pretty pleased to see Lawrence and Kev. | 0:05:12 | 0:05:16 | |
-Hi, Lawrence. -Morning. -Are you OK? | 0:05:16 | 0:05:19 | |
-Hiya, Kev. -Hi, there. How you doing? | 0:05:19 | 0:05:21 | |
Hello. All right? How's it going? Big fan of you guys. | 0:05:21 | 0:05:23 | |
I didn't think I'd actually meet you in my life... | 0:05:23 | 0:05:25 | |
-Thank you. -..but it happens to me, yeah. | 0:05:25 | 0:05:27 | |
While the family starts calling around for a tow truck, | 0:05:27 | 0:05:30 | |
Kev's looking at other options. | 0:05:30 | 0:05:32 | |
-Hello, mate. -Hiya. | 0:05:33 | 0:05:35 | |
You haven't got any skates, have you? | 0:05:35 | 0:05:37 | |
-Skates? No, man. -Not got any? | 0:05:37 | 0:05:38 | |
-Has anyone around here got any, do you think? -Yeah. | 0:05:38 | 0:05:41 | |
Skates are rollers which can be used to move a stationary car, | 0:05:41 | 0:05:44 | |
and the search is on to see if they can borrow some. | 0:05:44 | 0:05:47 | |
Meanwhile, Lawrence is looking at another way | 0:05:47 | 0:05:49 | |
of getting inside the building. | 0:05:49 | 0:05:51 | |
Do you know which way the fire exit is? | 0:05:51 | 0:05:53 | |
-You know. -The fire exits, they're all linked. | 0:05:53 | 0:05:56 | |
There might be access at the back through the next-door garage, | 0:05:56 | 0:05:59 | |
so Lawrence goes to investigate. | 0:05:59 | 0:06:01 | |
This chap's in the back of the... | 0:06:04 | 0:06:06 | |
The problem is, they've dumped a lot of rubbish. I'll show you. | 0:06:06 | 0:06:09 | |
-If you go out through here... -Oh, yeah. | 0:06:09 | 0:06:12 | |
..they've dumped a load of rubbish in the back there. | 0:06:12 | 0:06:14 | |
You'd be all right getting out in a fire. They wouldn't, would they? | 0:06:14 | 0:06:17 | |
It's a no-go. The alley is completely blocked. | 0:06:18 | 0:06:22 | |
Back on the forecourt, the landlords haven't given up on the car | 0:06:22 | 0:06:26 | |
and are taking matters into their own hands. | 0:06:26 | 0:06:29 | |
What are we towing it with now? | 0:06:30 | 0:06:31 | |
It's going to be dragged. | 0:06:34 | 0:06:35 | |
This will be interesting. | 0:06:37 | 0:06:38 | |
-Safety footwear. -LAUGHTER | 0:06:40 | 0:06:43 | |
And it's not just the funky footwear troubling Lawrence. | 0:06:45 | 0:06:49 | |
My concern is that silly little strap thing | 0:06:49 | 0:06:52 | |
that you can buy out of a petrol station. | 0:06:52 | 0:06:54 | |
It is no way rated to tow something that's in gear with the brakes on. | 0:06:54 | 0:07:01 | |
-If that hook goes... -Could well ping. -Yeah, so... | 0:07:01 | 0:07:05 | |
Don't stand too close to that. | 0:07:06 | 0:07:09 | |
It's not quite the set-up Lawrence and Kev are used to. | 0:07:09 | 0:07:13 | |
Not ideal, to say the least, but... | 0:07:13 | 0:07:16 | |
It's not ideal in the slightest. | 0:07:16 | 0:07:18 | |
Cable is not rated to pull that at all. | 0:07:20 | 0:07:23 | |
But will it work? CREAKING | 0:07:23 | 0:07:26 | |
The strain sounds wrong. I'm getting further back. | 0:07:26 | 0:07:29 | |
-CLATTERING -There you go. | 0:07:29 | 0:07:31 | |
This is so ghetto, isn't it? This is... | 0:07:31 | 0:07:34 | |
Later, we find out whether the sheriffs | 0:07:36 | 0:07:39 | |
can get into the garage. | 0:07:39 | 0:07:41 | |
MOTOR REVS | 0:07:41 | 0:07:42 | |
A petrol grinder pretty much goes through everything and anything. | 0:07:42 | 0:07:45 | |
In London, enforcement agent Ken Warby is headed | 0:07:59 | 0:08:02 | |
to a lettings agents in Camden. | 0:08:02 | 0:08:04 | |
We're on our way to a place called Education For London Limited, | 0:08:05 | 0:08:08 | |
trading as London Homes. | 0:08:08 | 0:08:10 | |
The claimant has got a judgment against them | 0:08:10 | 0:08:14 | |
for withholding a tenancy deposit. | 0:08:14 | 0:08:18 | |
It's just over £5,000. | 0:08:18 | 0:08:20 | |
The claimant is Stephen McKinnon. | 0:08:22 | 0:08:25 | |
The saga began when he moved to London from his native Scotland. | 0:08:25 | 0:08:28 | |
I'm originally from Glasgow. I do like to travel. | 0:08:29 | 0:08:33 | |
Lived in Greece for a while. | 0:08:33 | 0:08:34 | |
Travel quite a lot to America and Europe. | 0:08:34 | 0:08:37 | |
So, I decided to move to London, | 0:08:37 | 0:08:39 | |
one of the biggest cities in the world. | 0:08:39 | 0:08:41 | |
He'd got a new job, but needed somewhere to live | 0:08:41 | 0:08:44 | |
and found property hunting in the capital a daunting experience. | 0:08:44 | 0:08:48 | |
Compared to the prices back home, | 0:08:48 | 0:08:50 | |
you know, I could get a mansion back home for the price of a studio here. | 0:08:50 | 0:08:55 | |
Online he managed to find a two-bedroom flat-share | 0:08:55 | 0:08:58 | |
he liked the look of in Belsize Park in the north-west of the city, | 0:08:58 | 0:09:02 | |
and arranged a viewing with the agents - London Homes. | 0:09:02 | 0:09:05 | |
Based in Camden, | 0:09:05 | 0:09:07 | |
they're not to be confused with any other company of a similar name. | 0:09:07 | 0:09:10 | |
The flat seemed perfect. | 0:09:10 | 0:09:11 | |
It was a good size, it was a nice area that I liked. | 0:09:11 | 0:09:14 | |
It was close to the Tube for work. | 0:09:14 | 0:09:15 | |
And there was another couple sharing another room | 0:09:15 | 0:09:17 | |
in the property which I was fully aware of. | 0:09:17 | 0:09:20 | |
By the time I got on the Tube back to work, | 0:09:20 | 0:09:22 | |
I'd decided that was going to be the flat for me. | 0:09:22 | 0:09:26 | |
He signed a tenancy agreement and arranged to move in. | 0:09:26 | 0:09:29 | |
But the welcome into his new home didn't go as planned. | 0:09:29 | 0:09:33 | |
It was the first time I'd been in the property since I viewed it. | 0:09:33 | 0:09:35 | |
And I put the key in the door | 0:09:35 | 0:09:37 | |
and opened the door and the chain was locked from the inside. | 0:09:37 | 0:09:40 | |
They hadn't told the other tenants who were there that I was moving in. | 0:09:40 | 0:09:44 | |
It turned out to be the first in a long line of problems | 0:09:44 | 0:09:47 | |
with London Homes. | 0:09:47 | 0:09:49 | |
About three weeks later, | 0:09:49 | 0:09:50 | |
I had someone come to the door from one of the energy companies, | 0:09:50 | 0:09:54 | |
basically telling us that the bills hadn't been paid | 0:09:54 | 0:09:56 | |
for the property and therefore | 0:09:56 | 0:09:58 | |
they were coming to switch off the electricity and the gas. | 0:09:58 | 0:10:00 | |
The bills were supposed to be paid by the agents | 0:10:00 | 0:10:03 | |
as part of the contract. | 0:10:03 | 0:10:04 | |
Then there were the unwelcome wake-up calls. | 0:10:04 | 0:10:07 | |
Contractors coming out at 8.00 in the morning, | 0:10:07 | 0:10:10 | |
basically coming to do work we didn't know anything about. | 0:10:10 | 0:10:13 | |
There was no warning, no nothing. | 0:10:13 | 0:10:15 | |
Basically just came in with their own keys | 0:10:15 | 0:10:17 | |
and started drilling holes in the walls. | 0:10:17 | 0:10:20 | |
And things were about to get worse. | 0:10:20 | 0:10:23 | |
I came home one day | 0:10:23 | 0:10:25 | |
and there was another person living in the living room. | 0:10:25 | 0:10:28 | |
Yes, the agent had rented it out. | 0:10:28 | 0:10:31 | |
There was now four people living in a two-bedroom flat. | 0:10:31 | 0:10:34 | |
At this point, I had had enough. | 0:10:34 | 0:10:37 | |
He tried to raise the issues with the agent, but with little success. | 0:10:37 | 0:10:41 | |
Basically they just stopped talking to me. | 0:10:41 | 0:10:43 | |
They stopped replying to e-mails, they wouldn't take my calls. | 0:10:43 | 0:10:47 | |
And it got to the point where I just got fed up | 0:10:47 | 0:10:49 | |
and basically said to them I would really like to end the contract | 0:10:49 | 0:10:52 | |
and move out the flat. | 0:10:52 | 0:10:53 | |
I tried to come to some kind of agreement with them | 0:10:53 | 0:10:56 | |
about the rent - they basically said that I had a contract | 0:10:56 | 0:10:58 | |
and they hadn't broken their contract. | 0:10:58 | 0:11:00 | |
And that that was that. | 0:11:00 | 0:11:02 | |
So, I eventually just cleaned the flat, took the keys back, | 0:11:02 | 0:11:04 | |
got them to sign just to say I've returned the keys | 0:11:04 | 0:11:07 | |
and I moved out a month earlier than I was supposed to. | 0:11:07 | 0:11:10 | |
Nevertheless, Stephen honoured his side of the contract | 0:11:10 | 0:11:13 | |
and paid the final month's rent, leaving him out of pocket. | 0:11:13 | 0:11:17 | |
Then there was his deposit. | 0:11:17 | 0:11:19 | |
I was expecting my deposit to be returned, | 0:11:19 | 0:11:22 | |
cos the flat was in the same condition as it was when I moved in. | 0:11:22 | 0:11:26 | |
And I expected to receive that within maybe two or three weeks | 0:11:26 | 0:11:30 | |
of moving out of the property, if not sooner. | 0:11:30 | 0:11:34 | |
But from there, that didn't happen. | 0:11:34 | 0:11:37 | |
That left him another £1,000 down. | 0:11:37 | 0:11:39 | |
Time, he thought, to pay a visit to London Homes in person. | 0:11:39 | 0:11:43 | |
So I decided just to go down to the agents | 0:11:43 | 0:11:46 | |
and try and speak to the manager. | 0:11:46 | 0:11:48 | |
The manager basically came and spoke to me. | 0:11:48 | 0:11:52 | |
Halfway through the conversation, she got up and left | 0:11:52 | 0:11:55 | |
and went into the back office and never returned. | 0:11:55 | 0:11:57 | |
So I was sitting for about 20 minutes, | 0:11:57 | 0:11:59 | |
waiting for her to come back out | 0:11:59 | 0:12:01 | |
and eventually I had to ask someone else, you know, "Where is she? | 0:12:01 | 0:12:04 | |
"What's happening? Is she coming back out?" | 0:12:04 | 0:12:06 | |
And they told me she was in a meeting | 0:12:06 | 0:12:07 | |
and wouldn't be able to continue the conversation. | 0:12:07 | 0:12:09 | |
Despite a number of e-mails and calls to the office, | 0:12:09 | 0:12:12 | |
Stephen never heard any more about his deposit, | 0:12:12 | 0:12:15 | |
which had a huge impact on him personally. | 0:12:15 | 0:12:18 | |
The deposit that they had on hold for me | 0:12:18 | 0:12:21 | |
would've gone onto another property. | 0:12:21 | 0:12:23 | |
Not receiving that money made it very difficult | 0:12:23 | 0:12:26 | |
to the fact that I ended up moving back to Scotland. | 0:12:26 | 0:12:30 | |
But Stephen hadn't given up on his money. | 0:12:31 | 0:12:34 | |
And after doing some research, he realised that the agents | 0:12:34 | 0:12:37 | |
should have put his deposit | 0:12:37 | 0:12:38 | |
into a government-backed protection scheme - only they hadn't. | 0:12:38 | 0:12:42 | |
I was obviously quite angry that they hadn't followed, you know, | 0:12:42 | 0:12:45 | |
followed the legal procedure that they should've done. | 0:12:45 | 0:12:48 | |
So, where my money went, I don't know. | 0:12:48 | 0:12:50 | |
I presume it's in the company's bank account. | 0:12:50 | 0:12:53 | |
But, you know, it should've been protected for me. | 0:12:53 | 0:12:56 | |
On the plus side, that meant he was entitled to compensation - | 0:12:56 | 0:12:59 | |
up to three times the value of the deposit. | 0:12:59 | 0:13:03 | |
The only way to get it, though, | 0:13:03 | 0:13:04 | |
would be to take the lettings agent to court. | 0:13:04 | 0:13:07 | |
When the company didn't defend the case, | 0:13:07 | 0:13:09 | |
he got the outcome he wanted. | 0:13:09 | 0:13:11 | |
Got a letter from the courts, | 0:13:11 | 0:13:13 | |
basically to say that the judge had awarded the judgment in my favour, | 0:13:13 | 0:13:16 | |
which was absolutely fantastic after... | 0:13:16 | 0:13:19 | |
This is now nine months after I moved out of the flat. | 0:13:19 | 0:13:23 | |
So it just felt, you know, that I was getting somewhere with it. | 0:13:23 | 0:13:26 | |
The court ordered that he be paid back his last month's rent, | 0:13:26 | 0:13:30 | |
his deposit and compensation. | 0:13:30 | 0:13:32 | |
But London Homes never paid. | 0:13:32 | 0:13:34 | |
I've now contacted the sheriffs | 0:13:34 | 0:13:36 | |
because they are basically my last hope. | 0:13:36 | 0:13:39 | |
The company which owes Stephen money | 0:13:44 | 0:13:46 | |
is actually Education For London Limited, | 0:13:46 | 0:13:49 | |
which trades as London Homes from their office in Camden. | 0:13:49 | 0:13:52 | |
Sheriff Ken Warby is on his way there now | 0:13:52 | 0:13:55 | |
to try to get the debt paid | 0:13:55 | 0:13:56 | |
and he's anticipating a tricky job. | 0:13:56 | 0:14:00 | |
As it's an estate agents, | 0:14:00 | 0:14:01 | |
chances are you're not going to get too much | 0:14:01 | 0:14:03 | |
in the way of assets there. | 0:14:03 | 0:14:06 | |
Usually the odd PC, bit of office equipment. | 0:14:06 | 0:14:09 | |
But we'll see how it goes when we get there. | 0:14:10 | 0:14:13 | |
Ken's North London patch has its unique challenges. | 0:14:13 | 0:14:16 | |
There's no parking outside the business. | 0:14:16 | 0:14:20 | |
Let's have a look here. | 0:14:20 | 0:14:22 | |
No, no, no. | 0:14:22 | 0:14:24 | |
The joys of working in London. | 0:14:25 | 0:14:28 | |
There we go, yeah. We can park here. | 0:14:30 | 0:14:32 | |
Ah, that's not going to happen, is it? | 0:14:32 | 0:14:35 | |
-Second time around the block. -Ah, yeah. | 0:14:37 | 0:14:41 | |
Bingo. | 0:14:43 | 0:14:44 | |
After managing to bag a space, he heads in. | 0:14:47 | 0:14:50 | |
The staff are busy with customers. | 0:14:50 | 0:14:52 | |
Ken's in no mood to hang around in the queue. | 0:14:52 | 0:14:55 | |
Excuse me, sir. Sorry to bother you. Is there anyone in charge here? | 0:14:57 | 0:15:01 | |
I don't have an appointment, no, | 0:15:01 | 0:15:03 | |
I just need to speak to the person in charge here. | 0:15:03 | 0:15:05 | |
-Yes, sir, are you in charge? -No. -You're not? -No. | 0:15:08 | 0:15:12 | |
There appears to be some confusion. | 0:15:12 | 0:15:14 | |
Nonetheless, the man seems willing to help. | 0:15:14 | 0:15:17 | |
I need to speak to someone at Education For London Limited. | 0:15:17 | 0:15:19 | |
-Yeah, yeah, we are they. -That's you? -Yes. | 0:15:19 | 0:15:21 | |
Right, OK, my name's Mr Warby. | 0:15:21 | 0:15:23 | |
An individual called Stephen McKinnon has a judgment | 0:15:23 | 0:15:27 | |
against the company for, originally, £5,146. Do you know about this? | 0:15:27 | 0:15:32 | |
At first, the man says he knows nothing about the case. | 0:15:34 | 0:15:37 | |
But Ken is able to jog his memory. | 0:15:37 | 0:15:40 | |
You remember the name now, yes? | 0:15:40 | 0:15:43 | |
Well, I'm here now for the money in full. | 0:15:43 | 0:15:46 | |
So, that's where we are. | 0:15:46 | 0:15:48 | |
Do you make the...? | 0:15:48 | 0:15:49 | |
Can you get him on the phone? | 0:15:52 | 0:15:54 | |
OK, thank you. | 0:15:54 | 0:15:56 | |
The boss of the company is apparently out to lunch. | 0:15:58 | 0:16:01 | |
But the staff appear to be co-operative. | 0:16:01 | 0:16:04 | |
They're going to get the boss on the phone and explain why I'm here. | 0:16:04 | 0:16:09 | |
I've told him I need payment in full now, | 0:16:09 | 0:16:12 | |
so we'll see where we go with that. | 0:16:12 | 0:16:14 | |
The boss can't be reached. | 0:16:16 | 0:16:18 | |
Instead, Ken is introduced to another senior staff member. | 0:16:18 | 0:16:21 | |
-Hi, how are you? -Hello. | 0:16:21 | 0:16:24 | |
-Hi, my name is Alejandra. -Hello, I'm Mr Warby. | 0:16:24 | 0:16:27 | |
The woman says the company knew the tenant had been to court - | 0:16:27 | 0:16:31 | |
but she says they didn't know the final details of the payment | 0:16:31 | 0:16:34 | |
they needed to make. It also sounds like she can't pay today. | 0:16:34 | 0:16:37 | |
Of course. | 0:16:47 | 0:16:48 | |
The problem you've got is if you don't pay, | 0:16:48 | 0:16:52 | |
I have to list the items, and organise removal of them. | 0:16:52 | 0:16:56 | |
The woman is asking if they can pay in instalments. | 0:16:56 | 0:16:59 | |
But Ken is holding his ground. | 0:16:59 | 0:17:02 | |
The situation's this - | 0:17:02 | 0:17:03 | |
as we're here now with a High Court warrant, we have to execute it. | 0:17:03 | 0:17:06 | |
Unfortunately, we have to insist on full payment. | 0:17:06 | 0:17:09 | |
What are you able to pay now? | 0:17:15 | 0:17:17 | |
The woman does seem willing to pay, | 0:17:19 | 0:17:21 | |
and with a substantial offer on the table | 0:17:21 | 0:17:23 | |
and few sizeable assets to remove in the office, | 0:17:23 | 0:17:26 | |
Ken is now willing to consider it. | 0:17:26 | 0:17:28 | |
OK, so you make the first payment, that would be 3,270.06. | 0:17:29 | 0:17:33 | |
When are you looking to clear the balance of 3,270? | 0:17:33 | 0:17:36 | |
On the 16th of this month. | 0:17:38 | 0:17:39 | |
Yeah, OK. | 0:17:40 | 0:17:42 | |
-It will not kill me that much. -I can agree to that. | 0:17:42 | 0:17:45 | |
-I can agree to it. Everyone's happy. -Yes. -That's cool. | 0:17:45 | 0:17:47 | |
OK. | 0:17:47 | 0:17:49 | |
They've struck a deal, and it looks like half of the money | 0:17:49 | 0:17:52 | |
owed will be paid today, with the rest to follow in a week's time. | 0:17:52 | 0:17:56 | |
But to be on the safe side, Ken will also get them | 0:17:56 | 0:17:59 | |
to sign a controlled goods agreement for the assets here. | 0:17:59 | 0:18:03 | |
I have to list items here as well and... | 0:18:03 | 0:18:05 | |
In case you don't do it and then we come back. | 0:18:07 | 0:18:11 | |
-LAUGHING: -Don't worry. -It's not going to happen, | 0:18:11 | 0:18:13 | |
I understand that. It's just something we have to do. | 0:18:13 | 0:18:15 | |
Meanwhile, the employee gives his side of the story | 0:18:15 | 0:18:18 | |
of how the writ came about. | 0:18:18 | 0:18:20 | |
In this case, the court clarified that Stephen was owed more | 0:18:32 | 0:18:35 | |
than £5,000 - the man claims the company was never told. | 0:18:35 | 0:18:39 | |
Additional fees and interest mean the bill's now more than £6,500 - | 0:18:50 | 0:18:55 | |
with the company stumping up half today. | 0:18:55 | 0:18:57 | |
-KEN LAUGHS -That's all right, sir, thank you. | 0:19:00 | 0:19:03 | |
What a nice chap. | 0:19:03 | 0:19:04 | |
-Thank you very much for being so nice about that. -Pleasure. Bye. | 0:19:04 | 0:19:07 | |
Bye-bye. | 0:19:07 | 0:19:08 | |
All in all, it's been a successful visit. | 0:19:08 | 0:19:12 | |
That's a good deal. | 0:19:12 | 0:19:13 | |
They happily paid the half, I've taken that | 0:19:13 | 0:19:16 | |
and I'm pretty convinced they'll pay the balance within seven days. | 0:19:16 | 0:19:19 | |
London Homes did pay the balance | 0:19:21 | 0:19:23 | |
and Stephen McKinnon got his money back. | 0:19:23 | 0:19:26 | |
I'd just like to say thank you to the sheriffs, | 0:19:26 | 0:19:28 | |
they've done exactly what they said they'd do. | 0:19:28 | 0:19:30 | |
I've received all the money that was due back to me, | 0:19:30 | 0:19:33 | |
so I'm absolutely ecstatic. It's been a long year. | 0:19:33 | 0:19:36 | |
His message to other people is don't be put off. | 0:19:36 | 0:19:39 | |
I've done all this without any help from, you know, lawyers, | 0:19:39 | 0:19:42 | |
done a lot of research myself. | 0:19:42 | 0:19:43 | |
And it just shows you that if you took the time and patience, | 0:19:43 | 0:19:46 | |
you know, you can win. | 0:19:46 | 0:19:49 | |
If you've been ripped off | 0:19:51 | 0:19:53 | |
and the person or company responsible refuses to pay you back, | 0:19:53 | 0:19:56 | |
the first step is to make a claim in the County Court. | 0:19:56 | 0:20:00 | |
It's simple to do this online, | 0:20:00 | 0:20:02 | |
for a small fee, depending on the size of the claim. | 0:20:02 | 0:20:05 | |
The court will review the evidence and if it finds in your favour, | 0:20:05 | 0:20:08 | |
the debtor will be ordered to pay up. | 0:20:08 | 0:20:11 | |
If they don't, then for a further £60, | 0:20:11 | 0:20:14 | |
the High Court will grant a writ | 0:20:14 | 0:20:16 | |
authorising the sheriffs to act on your behalf. | 0:20:16 | 0:20:19 | |
If they're successful, you get all your money back. | 0:20:19 | 0:20:22 | |
Lawrence and Kev are in Luton trying to reclaim a garage for its owner | 0:20:25 | 0:20:29 | |
after the tenant stopped paying rent. | 0:20:29 | 0:20:32 | |
But a car's blocking the door | 0:20:32 | 0:20:33 | |
and a tow truck, which was promised, hasn't arrived, | 0:20:33 | 0:20:37 | |
so now the landlords are trying to move the car themselves - | 0:20:37 | 0:20:40 | |
much to Lawrence and Kev's disapproval. | 0:20:40 | 0:20:43 | |
-Could well ping. -Yes. | 0:20:43 | 0:20:44 | |
Their first attempt failed. | 0:20:44 | 0:20:46 | |
CREAKING AND CLATTERING | 0:20:46 | 0:20:49 | |
Now it's take two. | 0:20:49 | 0:20:52 | |
-CREAKING -Knot's going to go. | 0:20:52 | 0:20:55 | |
Not rated to pull that at all. | 0:20:55 | 0:20:56 | |
This time, it works. | 0:20:59 | 0:21:02 | |
-That'll do you. -That'll do. | 0:21:02 | 0:21:04 | |
Yeah, remarkably enough, | 0:21:04 | 0:21:06 | |
the double knot on the little garage towrope did the job. | 0:21:06 | 0:21:11 | |
Now it's just a matter of getting through the door. | 0:21:11 | 0:21:15 | |
MOTOR REVS | 0:21:15 | 0:21:17 | |
A petrol grinder pretty much goes through everything and anything. | 0:21:17 | 0:21:21 | |
Diamond-tip blade on it. | 0:21:21 | 0:21:23 | |
Andy gets to work. | 0:21:24 | 0:21:26 | |
He's through the hinges. | 0:21:39 | 0:21:41 | |
And a crowbar finishes the job. | 0:21:42 | 0:21:45 | |
That was it, was it? | 0:21:45 | 0:21:47 | |
-There we go. -No problem. | 0:21:47 | 0:21:50 | |
Inside, the garage has been left in a bit of a mess, | 0:21:53 | 0:21:56 | |
and you need to watch your step, | 0:21:56 | 0:21:58 | |
but much to the landlord's relief, there's no sign of any major damage | 0:21:58 | 0:22:02 | |
and the equipment they own is still there. | 0:22:02 | 0:22:05 | |
-Just a case of making it secure, then, isn't it? -Yeah. | 0:22:05 | 0:22:08 | |
While work starts on the doors, Lawrence takes a look around. | 0:22:11 | 0:22:15 | |
The tenant owes rent, and so, along with the writ to evict him, | 0:22:15 | 0:22:19 | |
they've got another one to take control of goods, | 0:22:19 | 0:22:22 | |
but there's nothing here of value. | 0:22:22 | 0:22:23 | |
Certainly no sign of the supercars advertised outside. | 0:22:23 | 0:22:27 | |
Works on some nice cars - | 0:22:27 | 0:22:28 | |
Ferraris, Aston Martins, Lamborghinis, Porsches. | 0:22:28 | 0:22:32 | |
Can't see many people rushing to bring their Lamborghini here, | 0:22:32 | 0:22:35 | |
to be honest, but...hey-ho. | 0:22:35 | 0:22:38 | |
The only things of interest are some dirt bikes, | 0:22:38 | 0:22:41 | |
but it's not clear who they belong to. | 0:22:41 | 0:22:43 | |
They haven't got number plates on them, | 0:22:43 | 0:22:46 | |
so there's no real way of ascertaining ownership. | 0:22:46 | 0:22:49 | |
Doubt they're street legal, to be honest. | 0:22:49 | 0:22:51 | |
Another obstacle to enforcing the writ of control | 0:22:51 | 0:22:54 | |
is that they have to serve the former tenant notice. | 0:22:54 | 0:22:57 | |
I brought a notice of enforcement with me today | 0:22:57 | 0:23:00 | |
in case he'd been here. | 0:23:00 | 0:23:01 | |
If he'd turned up, I could've served him with the notice, | 0:23:01 | 0:23:04 | |
but he hasn't, so we've now got to have an alternative address | 0:23:04 | 0:23:07 | |
cos obviously this is no longer his address. | 0:23:07 | 0:23:09 | |
Hopefully, he won't be able to get back in here. | 0:23:09 | 0:23:11 | |
So, for now, all that's left to do is seal the property up, | 0:23:14 | 0:23:18 | |
and this time the landlord's solicitor wants it done properly. | 0:23:18 | 0:23:22 | |
We used commercial bailiffs initially. | 0:23:24 | 0:23:26 | |
We got possession of the premises | 0:23:26 | 0:23:28 | |
and the occupier broke back in the next day, | 0:23:28 | 0:23:32 | |
so we then got a County Court bailiff to come round | 0:23:32 | 0:23:35 | |
and, again, the occupier broke back in the next day, | 0:23:35 | 0:23:39 | |
which is why the sheriffs are here. | 0:23:39 | 0:23:42 | |
And they're not going to make the same mistake. | 0:23:42 | 0:23:46 | |
Check out the fire exit. | 0:23:46 | 0:23:48 | |
Apparently, this is how he got in last time. | 0:23:48 | 0:23:50 | |
Yeah, he's nailed it all up. | 0:23:50 | 0:23:52 | |
He seems to have screwed it up quite securely since he got back in, | 0:23:52 | 0:23:57 | |
but I still see this as the weak point. | 0:23:57 | 0:23:59 | |
So, we're just making extra sure... | 0:24:02 | 0:24:04 | |
..that it's secured. | 0:24:05 | 0:24:08 | |
And then it's time to head off, | 0:24:08 | 0:24:10 | |
though not before enjoying a bit more attention from their fans. | 0:24:10 | 0:24:14 | |
-She's been banging on about you guys for ages. -Oh, stop it! | 0:24:14 | 0:24:18 | |
It's all coming out now. | 0:24:18 | 0:24:19 | |
"The sheriffs are coming! The sheriffs are coming!" | 0:24:19 | 0:24:21 | |
I hope she doesn't tell you everything what I say. | 0:24:21 | 0:24:24 | |
-Oh, really? Sounds interesting. -You'll start blushing again. | 0:24:24 | 0:24:28 | |
-Might do. -Yes. -SHE LAUGHS | 0:24:28 | 0:24:31 | |
Quite nice to not be getting abused. | 0:24:32 | 0:24:35 | |
Makes a change. But no, no, it's nice. | 0:24:35 | 0:24:39 | |
Job done. | 0:24:39 | 0:24:40 | |
Off for breakfast. | 0:24:42 | 0:24:44 | |
-There you go. There's your keys. -Cheers then. | 0:24:45 | 0:24:48 | |
-See you later. -Very nice to meet you, guys. | 0:24:48 | 0:24:51 | |
-Thank you. -Yeah, thank you very much. | 0:24:51 | 0:24:54 | |
The premises is safely back in the hands of its relieved owners, | 0:24:54 | 0:24:57 | |
and with another successful job in the bag, | 0:24:57 | 0:25:00 | |
the sheriffs are on their way. | 0:25:00 | 0:25:02 | |
Sheriffs are now officially known as High Court Enforcement Agents, | 0:25:05 | 0:25:09 | |
and they'll collect the money you're owed. | 0:25:09 | 0:25:11 | |
My job is to collect in full or remove goods. | 0:25:11 | 0:25:14 | |
They've got more powers of entry than bailiffs. | 0:25:14 | 0:25:17 | |
We don't have to take any notice of your security protocol, I'm afraid. | 0:25:17 | 0:25:20 | |
And there's no limit on the size of the debts they can pursue. | 0:25:20 | 0:25:23 | |
£1.6 million. | 0:25:23 | 0:25:26 | |
Their fees are set by the government, | 0:25:26 | 0:25:28 | |
which debtors have to pay on top of what they already owe. | 0:25:28 | 0:25:31 | |
Thank you very much. See you later. | 0:25:31 | 0:25:34 | |
If the sheriffs can't recover any of your money, | 0:25:34 | 0:25:36 | |
there's a fee of £75 plus VAT. | 0:25:36 | 0:25:39 | |
All too often, the sheriffs deal with cases | 0:25:48 | 0:25:50 | |
where there's more than one company trading from the same address. | 0:25:50 | 0:25:54 | |
Debts owed by companies like these | 0:25:54 | 0:25:56 | |
are among the hardest for the sheriffs to collect, | 0:25:56 | 0:25:59 | |
as it can be difficult to determine which business owns the assets. | 0:25:59 | 0:26:03 | |
In Manchester, Sheriff Alan Pennington | 0:26:03 | 0:26:05 | |
is about to become embroiled in just such a case. | 0:26:05 | 0:26:08 | |
Yeah, I'm off to serve a High Court writ. | 0:26:08 | 0:26:10 | |
The company's called Sal-Ford & Vauxhall Limited. | 0:26:10 | 0:26:15 | |
Sal-Ford & Vauxhall, | 0:26:15 | 0:26:17 | |
which has no connection to the car manufacturer Vauxhall, | 0:26:17 | 0:26:20 | |
owes £2,500, but the chances of getting paid aren't looking good. | 0:26:20 | 0:26:25 | |
The company has applied to be dissolved. | 0:26:25 | 0:26:28 | |
Alan has been to visit once already, but found it shut. | 0:26:28 | 0:26:32 | |
We did leave a letter at the first instance. | 0:26:32 | 0:26:34 | |
We've had no reply from that letter. | 0:26:34 | 0:26:36 | |
But it's one of those cases where we need to really make contact | 0:26:36 | 0:26:39 | |
to try and get this resolved for the claimant. | 0:26:39 | 0:26:42 | |
That claimant is lifelong mechanic Dilwyn Stoole | 0:26:44 | 0:26:47 | |
from Newport in South Wales. | 0:26:47 | 0:26:49 | |
He came into contact with Sal-Ford & Vauxhall | 0:26:49 | 0:26:52 | |
when he was looking for a new engine | 0:26:52 | 0:26:53 | |
for a second-hand car he was fixing up. | 0:26:53 | 0:26:56 | |
I bought a Fiesta which had an engine problem. | 0:26:56 | 0:26:58 | |
It was overheating, so, obviously, we had to replace the engine, | 0:26:58 | 0:27:02 | |
so I thought, "Well, I'll put a nice, low-mileage engine in | 0:27:02 | 0:27:04 | |
"and it'll last me a few years." | 0:27:04 | 0:27:06 | |
To find the engine he wanted, he posted on internet forums | 0:27:06 | 0:27:09 | |
and received a number of offers, | 0:27:09 | 0:27:11 | |
but one particular engine stood out - | 0:27:11 | 0:27:13 | |
from a dealer based in the Manchester area. | 0:27:13 | 0:27:16 | |
31,000 miles. Came out of a very modern vehicle. | 0:27:16 | 0:27:21 | |
Despite having lower quotes, I picked Sal-Ford & Vauxhall | 0:27:21 | 0:27:24 | |
because they promised me this engine was a low-mileage, | 0:27:24 | 0:27:27 | |
clean, tidy engine. | 0:27:27 | 0:27:28 | |
Dilwyn paid £705 to Sal-Ford & Vauxhall for a new engine | 0:27:28 | 0:27:33 | |
in exchange for his old one, | 0:27:33 | 0:27:35 | |
and within a few days, a van arrived with the new engine. | 0:27:35 | 0:27:38 | |
The minute he dropped the pallet on the floor | 0:27:38 | 0:27:40 | |
and I took off the wrapping, the engine was in a dreadful state. | 0:27:40 | 0:27:43 | |
The sump was smashed. There were parts of the engine broke. | 0:27:43 | 0:27:46 | |
I've taken a video which proves the problems. | 0:27:46 | 0:27:49 | |
-ON VIDEO: -'The gold plug is snapped in the block | 0:27:49 | 0:27:51 | |
'and the injector is totally loose.' | 0:27:51 | 0:27:53 | |
There was no vacuum pump on it. | 0:27:53 | 0:27:55 | |
'This engine supposedly has done 30,000 miles | 0:27:55 | 0:27:59 | |
'and this is a clutch we've taken out of it, | 0:27:59 | 0:28:01 | |
'and as you can see, it's on the rivets.' | 0:28:01 | 0:28:04 | |
I honestly think this engine had done 130,000 miles. | 0:28:04 | 0:28:07 | |
It was almost a scrap engine. | 0:28:07 | 0:28:09 | |
It really wasn't the engine that these people had promised me. | 0:28:09 | 0:28:13 | |
Dilwyn wasted no time in ringing up Sal-Ford & Vauxhall to complain | 0:28:13 | 0:28:17 | |
and spoke to a woman there. | 0:28:17 | 0:28:18 | |
The initial response was, "Oh, we must have sent you the wrong engine. | 0:28:18 | 0:28:22 | |
"We're just a depot here. | 0:28:22 | 0:28:23 | |
"Where the engine was was a different building." | 0:28:23 | 0:28:25 | |
And I said, "Well, I was really disappointed | 0:28:25 | 0:28:27 | |
"and rejecting the engine." | 0:28:27 | 0:28:29 | |
I told her straight, "This isn't the engine we talked about | 0:28:29 | 0:28:34 | |
"and, you know, I don't want it." | 0:28:34 | 0:28:36 | |
Dilwyn thought the dealer would send him a complete replacement, | 0:28:36 | 0:28:40 | |
and sure enough, a few days later, there was a delivery, | 0:28:40 | 0:28:43 | |
but it wasn't what he was expecting. | 0:28:43 | 0:28:45 | |
On the Wednesday or the Thursday, some parts arrived, | 0:28:45 | 0:28:48 | |
which were the parts I'd described to her as being broken. | 0:28:48 | 0:28:50 | |
I immediately got on the phone to her and said, | 0:28:50 | 0:28:52 | |
you know, that wasn't enough. I needed for the engine to go back. | 0:28:52 | 0:28:56 | |
After a few days of bickering and barking, | 0:28:56 | 0:28:58 | |
she promised that the engine would be picked back up. | 0:28:58 | 0:29:01 | |
A week later, it hadn't been. | 0:29:01 | 0:29:04 | |
And that was the start of a pattern which kept repeating. | 0:29:05 | 0:29:08 | |
Another week went by, the engine hadn't been picked up. | 0:29:08 | 0:29:11 | |
Back on the phone again. | 0:29:11 | 0:29:13 | |
She explained there was another problem - | 0:29:13 | 0:29:15 | |
the van wouldn't come down the lane. | 0:29:15 | 0:29:16 | |
The excuses Sal-Ford & Vauxhall made were absolutely ridiculous. | 0:29:16 | 0:29:20 | |
In the end, the woman at Sal-Ford & Vauxhall | 0:29:20 | 0:29:22 | |
came up with a new solution. | 0:29:22 | 0:29:24 | |
She said the best thing to do would be to send it back at my expense. | 0:29:24 | 0:29:28 | |
-I said, "Well, at my expense?" -HE LAUGHS | 0:29:28 | 0:29:30 | |
And she said, "Yeah, it's not a problem. | 0:29:30 | 0:29:33 | |
"We'll refund you with the full refund. | 0:29:33 | 0:29:36 | |
"We'll give you the cost of whatever it cost | 0:29:36 | 0:29:38 | |
"to send the engine back." Which I did. | 0:29:38 | 0:29:41 | |
Dilwyn was now £755 down | 0:29:41 | 0:29:45 | |
and still didn't have a working engine for his van. | 0:29:45 | 0:29:47 | |
Eventually, a cheque arrived from Sal-Ford & Vauxhall, | 0:29:47 | 0:29:50 | |
but for just £250, so Dilwyn refused to cash it, | 0:29:50 | 0:29:55 | |
holding out for the full refund he'd been promised. | 0:29:55 | 0:29:58 | |
I was really, really polite. I wasn't going to wind anybody up. | 0:29:58 | 0:30:01 | |
I wanted somebody to help me, | 0:30:01 | 0:30:03 | |
but I was just fobbed off week after week after week. | 0:30:03 | 0:30:06 | |
It was promises and the engine wasn't forthcoming. | 0:30:06 | 0:30:08 | |
It was never going to come. | 0:30:08 | 0:30:10 | |
So, I'm probably into this the best part of a grand now. | 0:30:10 | 0:30:13 | |
I'm thinking, "Whatever. Now I've got to go all the way." | 0:30:13 | 0:30:15 | |
So, I did. | 0:30:15 | 0:30:17 | |
Dilwyn filed a claim against Sal-Ford & Vauxhall | 0:30:17 | 0:30:19 | |
in the County Court. | 0:30:19 | 0:30:21 | |
It's something he'd never done before | 0:30:21 | 0:30:23 | |
and was pleasantly surprised by the process. | 0:30:23 | 0:30:26 | |
It's so easy to do that. | 0:30:26 | 0:30:27 | |
On a computer, it takes a couple of hours. | 0:30:27 | 0:30:30 | |
Don't ever be afraid to take anybody to County Court. | 0:30:30 | 0:30:32 | |
But while winning the case against the dealer in court | 0:30:32 | 0:30:35 | |
proved to be easy... | 0:30:35 | 0:30:36 | |
They didn't even turn up. They had no defence. | 0:30:36 | 0:30:38 | |
They didn't even bother going to court. | 0:30:38 | 0:30:40 | |
..getting the money back wasn't. | 0:30:40 | 0:30:42 | |
I won by default. They've lost the case | 0:30:42 | 0:30:45 | |
and they're still not forthcoming with the money, | 0:30:45 | 0:30:47 | |
so I'm really annoyed to think that this guy has supplied me | 0:30:47 | 0:30:50 | |
with an engine that wasn't what he said it was. | 0:30:50 | 0:30:53 | |
He's taken my money, | 0:30:53 | 0:30:54 | |
he's made me send it back at my expense | 0:30:54 | 0:30:57 | |
and now he's doing a runner. | 0:30:57 | 0:30:59 | |
And that's why the next step for Dilwyn | 0:30:59 | 0:31:01 | |
has been to enlist the help of the sheriffs. | 0:31:01 | 0:31:03 | |
You can ignore letters. | 0:31:03 | 0:31:05 | |
You can't ignore someone who's there with an order | 0:31:05 | 0:31:07 | |
and a bit of authority, you know, so... | 0:31:07 | 0:31:10 | |
I've seen the programmes and I've watched the sheriffs in action | 0:31:10 | 0:31:12 | |
and I'm still hoping that | 0:31:12 | 0:31:14 | |
the sheriffs can go in there and retrieve my money, yes. | 0:31:14 | 0:31:17 | |
Sheriff Alan Pennington is en route to Sal-Ford & Vauxhall, | 0:31:27 | 0:31:31 | |
and after his previous visit, has got some idea of what to expect. | 0:31:31 | 0:31:35 | |
It presents itself as a very large area | 0:31:35 | 0:31:38 | |
of scrap cars and metal. | 0:31:38 | 0:31:41 | |
Both main gates to the premises were padlocked. | 0:31:41 | 0:31:44 | |
As the company has applied for dissolution, | 0:31:44 | 0:31:47 | |
it might no longer be trading, | 0:31:47 | 0:31:49 | |
but there are some indications it's not all over just yet. | 0:31:49 | 0:31:53 | |
I spoke to a neighbour from a local business | 0:31:53 | 0:31:56 | |
who basically said they come and go. | 0:31:56 | 0:31:58 | |
They're not always there each day. They arrive at different times. | 0:31:58 | 0:32:02 | |
Alan's determined to get Dilwyn's money back | 0:32:02 | 0:32:05 | |
before the company dissolution is completed | 0:32:05 | 0:32:07 | |
and its assets are gone, but will today be his day? | 0:32:07 | 0:32:11 | |
Looks like the gates are padlocked again. | 0:32:11 | 0:32:14 | |
Or maybe they're not. Let's just have a quick look. | 0:32:17 | 0:32:21 | |
It's open. | 0:32:24 | 0:32:25 | |
The gates are open after all, so Alan is allowed to go in. | 0:32:25 | 0:32:30 | |
Hello? | 0:32:30 | 0:32:31 | |
Hello? | 0:32:32 | 0:32:34 | |
At first, there's no sign of life, | 0:32:34 | 0:32:36 | |
but then a man appears, keeping his back to our camera. | 0:32:36 | 0:32:39 | |
Oh, hello, sir. Looking for Mr Khan. | 0:32:39 | 0:32:43 | |
Mr Khan. | 0:32:44 | 0:32:46 | |
This is Sal-Ford & Vauxhall Limited, yeah? | 0:32:50 | 0:32:53 | |
Can you get him on the phone for me, kid? | 0:32:56 | 0:32:58 | |
I'm from the High Court. I've got a High Court writ. | 0:32:58 | 0:33:00 | |
Thank you. | 0:33:02 | 0:33:03 | |
Although Dilwyn applied for a writ | 0:33:03 | 0:33:05 | |
in the name of Sal-Ford & Vauxhall Limited, | 0:33:05 | 0:33:07 | |
the company's full name is Sal-Ford & Vauxhall Spares Limited. | 0:33:07 | 0:33:11 | |
-Mr Khan is its owner. -Is he coming, bud? | 0:33:11 | 0:33:14 | |
Is he coming? | 0:33:15 | 0:33:16 | |
Thank you. | 0:33:16 | 0:33:18 | |
Alan's on the phone when Mr Khan arrives. | 0:33:18 | 0:33:21 | |
I'll explain to you in a minute, sir. | 0:33:23 | 0:33:25 | |
Mr Khan asks our cameraman to leave. | 0:33:27 | 0:33:30 | |
Put the camera down. | 0:33:30 | 0:33:31 | |
He tells Alan the business here is a different company | 0:33:32 | 0:33:35 | |
and he's got the documents to prove it. | 0:33:35 | 0:33:38 | |
He then marches him off the premises. | 0:33:39 | 0:33:42 | |
-You go and get me your proof. -I will. | 0:34:01 | 0:34:03 | |
Obstructing the work of a High Court enforcement agent | 0:34:03 | 0:34:06 | |
is illegal and Alan gets straight on the phone. | 0:34:06 | 0:34:08 | |
Hello, sir. My name's Mr Pennington from the High Court Sheriffs Office. | 0:34:10 | 0:34:14 | |
Can I have the police, please? | 0:34:14 | 0:34:15 | |
It's 1A Sutherland Street. | 0:34:18 | 0:34:20 | |
Meanwhile, Mr Khan walks off. | 0:34:20 | 0:34:22 | |
Just basically told me to get out of the property | 0:34:24 | 0:34:26 | |
and for my own safety I did that, but he manhandled me out. | 0:34:26 | 0:34:30 | |
Thanks very much. Thanks for your time. Bye-bye. Bye. | 0:34:31 | 0:34:34 | |
And Alan isn't impressed by Mr Khan's behaviour. | 0:34:34 | 0:34:38 | |
He wasn't prepared to listen to me. | 0:34:38 | 0:34:39 | |
He was being abusive and basically escorted me out, | 0:34:39 | 0:34:43 | |
manhandling me to the gate. | 0:34:43 | 0:34:44 | |
He's then left | 0:34:44 | 0:34:46 | |
and there are two other people still in the property. | 0:34:46 | 0:34:48 | |
I've called for the police cos as far as I'm concerned, | 0:34:48 | 0:34:51 | |
I've been assaulted whilst doing my duty, | 0:34:51 | 0:34:53 | |
and whether we speak to Mr Khan today again, I'm not sure. | 0:34:53 | 0:34:58 | |
The company which sold Dilwyn the duff engine | 0:34:58 | 0:35:01 | |
is based at this scrapyard, | 0:35:01 | 0:35:03 | |
but it sounds like Mr Khan might have a second company here, too. | 0:35:03 | 0:35:07 | |
Finding out whether any assets belong to the debtor - | 0:35:07 | 0:35:09 | |
Sal-Ford & Vauxhall - could be tricky. | 0:35:09 | 0:35:13 | |
Now Mr Khan's returned brandishing some paperwork. | 0:35:13 | 0:35:17 | |
I'll speak to you, Mr Khan, when the police arrive, OK? | 0:35:17 | 0:35:20 | |
-Take my number. -You've assaulted... -I assaulted nobody. -Yes, you have. | 0:35:20 | 0:35:23 | |
No, I haven't. I asked you to leave the premises. | 0:35:23 | 0:35:25 | |
You've assaulted me, manhandled me. | 0:35:25 | 0:35:27 | |
You've assaulted me and manhandled me out of the premises. | 0:35:27 | 0:35:30 | |
-I escorted you out. -No, you didn't. -It's a dangerous place, mate. | 0:35:30 | 0:35:33 | |
You can't be in there. That's why the gate's shut. | 0:35:33 | 0:35:35 | |
It's a dangerous place where you are, Mr Khan, | 0:35:35 | 0:35:37 | |
because you assaulted me | 0:35:37 | 0:35:38 | |
-and forced me out of the premises. -I barely touched you. | 0:35:38 | 0:35:41 | |
Alan doesn't want to speak to Mr Khan without the police present, | 0:35:41 | 0:35:44 | |
but they still haven't arrived and Mr Khan's come back for more. | 0:35:44 | 0:35:48 | |
-You opened that gate and walked in. -That's right. It wasn't locked. | 0:35:48 | 0:35:51 | |
-You're not allowed to do that. -I'm entitled to move in. | 0:35:51 | 0:35:54 | |
-If it's open, I'll walk in peacefully. -It's a dangerous place. | 0:35:54 | 0:35:57 | |
You've come to the wrong place. | 0:35:57 | 0:35:59 | |
I even told you you have the wrong place | 0:35:59 | 0:36:01 | |
and I've asked you nicely, | 0:36:01 | 0:36:02 | |
"Come to my office and we can speak about this," but no. | 0:36:02 | 0:36:05 | |
What's all that about? I've got things to do. | 0:36:05 | 0:36:08 | |
-Leave, then. -I'm telling you, take my number, give me a call. | 0:36:08 | 0:36:11 | |
No, I'm going to deal with you here. | 0:36:11 | 0:36:13 | |
-Right, there's the stuff you need. -Let's see. -OK? | 0:36:13 | 0:36:17 | |
Mr Khan hands over paperwork relating to his second company - | 0:36:17 | 0:36:21 | |
Sal-Ford Auto Spares Limited - | 0:36:21 | 0:36:23 | |
including invoices for some of the items in the yard. | 0:36:23 | 0:36:26 | |
There's an invoice for Sal-Ford Auto Spares. | 0:36:26 | 0:36:29 | |
That's the company here. | 0:36:29 | 0:36:30 | |
Everything in there is owned by that company. | 0:36:30 | 0:36:33 | |
So, if you go and touch anything, it's going to be illegal, isn't it? | 0:36:33 | 0:36:36 | |
OK? Thank you very much. Thank you. | 0:36:36 | 0:36:39 | |
Thank you. Goodbye. | 0:36:39 | 0:36:41 | |
With that, Mr Khan makes his exit. | 0:36:42 | 0:36:45 | |
You've got my number. | 0:36:45 | 0:36:47 | |
The gates to the yard are locked and the police never turned up, | 0:36:47 | 0:36:51 | |
which means Alan's hands are tied. | 0:36:51 | 0:36:53 | |
There's nothing we can do at this stage. | 0:36:53 | 0:36:55 | |
I've only gone in the premises this morning because the gates were open. | 0:36:55 | 0:36:59 | |
Those gates have now been locked | 0:36:59 | 0:37:00 | |
and I don't have right of access unless the court allow me, | 0:37:00 | 0:37:03 | |
so I'll take direction from the office | 0:37:03 | 0:37:05 | |
over the next few weeks and we go from there, really. | 0:37:05 | 0:37:09 | |
The sheriffs now know this case is going to be tough to enforce. | 0:37:09 | 0:37:13 | |
It's likely Sal-Ford & Vauxhall Spares Limited | 0:37:13 | 0:37:16 | |
has few, if any, assets left. | 0:37:16 | 0:37:18 | |
Also, as Dilwyn didn't use the company's full name | 0:37:19 | 0:37:22 | |
when he took them to court, | 0:37:22 | 0:37:24 | |
the sheriffs are now concerned the debtor will use that | 0:37:24 | 0:37:27 | |
as yet another excuse not to pay. | 0:37:27 | 0:37:29 | |
They've advised Dilwyn to apply for a new writ, | 0:37:30 | 0:37:33 | |
but instead, he's decided to let the matter go. | 0:37:33 | 0:37:36 | |
It was disappointing. Just annoyed to think | 0:37:37 | 0:37:39 | |
this man has got away with what he's got away with. | 0:37:39 | 0:37:42 | |
Although Mr Khan | 0:37:42 | 0:37:43 | |
remains the owner of Sal-Ford & Vauxhall Spares Limited, | 0:37:43 | 0:37:46 | |
he told us that... | 0:37:46 | 0:37:48 | |
It's 9am and Craig Wild and Tommy Coyle are in the van | 0:38:03 | 0:38:07 | |
travelling through the East Midlands. | 0:38:07 | 0:38:09 | |
They're on their way to see a household name | 0:38:09 | 0:38:11 | |
normally thought of as the best of British. | 0:38:11 | 0:38:14 | |
Rolls-Royce, in fact. | 0:38:14 | 0:38:17 | |
Rolls-Royce owes money as a result of a personal injury claim | 0:38:17 | 0:38:20 | |
made by a former worker who suffered hearing loss | 0:38:20 | 0:38:23 | |
from operating machinery. | 0:38:23 | 0:38:25 | |
Although the company settled the majority of the claim, | 0:38:25 | 0:38:28 | |
some legal costs are outstanding. | 0:38:28 | 0:38:31 | |
£1,500. We're off there now to try and get the money. | 0:38:31 | 0:38:35 | |
It's the aerospace division of the business | 0:38:35 | 0:38:37 | |
that the sheriffs are visiting, | 0:38:37 | 0:38:39 | |
but the name on the writ is just one part | 0:38:39 | 0:38:41 | |
of a complex company structure. | 0:38:41 | 0:38:43 | |
It's Rolls-Royce Industrial Power Engineering (Overseas Projects) Limited. | 0:38:43 | 0:38:49 | |
So, we've done a bit of digging. | 0:38:49 | 0:38:51 | |
It is, as a limited company, non-trading, | 0:38:51 | 0:38:54 | |
but it's part of a group of companies belonging to Rolls-Royce. | 0:38:54 | 0:38:57 | |
This'll be a massive place, mate. | 0:38:59 | 0:39:00 | |
I've got a feeling it's going to be big, yeah. | 0:39:00 | 0:39:03 | |
It's not long before the Rolls-Royce complex comes into view. | 0:39:03 | 0:39:07 | |
-Big place, this, isn't it? -It's all that over there. | 0:39:07 | 0:39:11 | |
We want the main reception, don't we? | 0:39:15 | 0:39:17 | |
The site's huge, | 0:39:19 | 0:39:20 | |
so finding the right person to deal with is not going to be easy. | 0:39:20 | 0:39:25 | |
Time to start knocking on doors. | 0:39:25 | 0:39:28 | |
Hello there, sir. I'm an enforcement agent. | 0:39:28 | 0:39:30 | |
Can I speak to someone from finance? | 0:39:30 | 0:39:33 | |
-G-wing? -G-wing. -How do I get there? -Turn left. -Turn left. | 0:39:33 | 0:39:37 | |
-And head through this way. -Brilliant. OK, thank you very much. | 0:39:37 | 0:39:40 | |
Simple, easy-to-follow directions. | 0:39:42 | 0:39:46 | |
-I'm sure he said G-wing or G-zone? -G-something. | 0:39:46 | 0:39:49 | |
G-zone, G-wing or something. | 0:39:49 | 0:39:50 | |
-G-something like that, though, isn't it? -Yeah, I think so. | 0:39:50 | 0:39:53 | |
-Is it that way or this way? -This way. This way, mate. | 0:39:53 | 0:39:55 | |
C-wing, this is. I'm sure he said G-wing. | 0:39:57 | 0:40:00 | |
-Well, we'll try. -We'll ask in here. | 0:40:00 | 0:40:02 | |
It's just...it's getting through to the right person, isn't it? | 0:40:03 | 0:40:07 | |
-Somewhere this big. -These places always are, aren't they? | 0:40:07 | 0:40:10 | |
Hello there. I need to speak to someone in finance. | 0:40:10 | 0:40:13 | |
Is that possible? | 0:40:13 | 0:40:14 | |
I don't think they do, no. | 0:40:16 | 0:40:18 | |
They're not going to know I'm here, no. | 0:40:18 | 0:40:20 | |
Thank you. | 0:40:24 | 0:40:25 | |
Despite being in the wrong wing, the sheriffs are offered a seat | 0:40:26 | 0:40:30 | |
and promised someone will come along to deal with them. | 0:40:30 | 0:40:33 | |
I think he's finding whoever authorised that initial payment. | 0:40:33 | 0:40:37 | |
They'll be aware of the payment, hopefully, | 0:40:37 | 0:40:39 | |
and then they can just sort out the balance. | 0:40:39 | 0:40:41 | |
As an £11,500 payment's already been made towards the claim, | 0:40:41 | 0:40:46 | |
the guys are hoping the finance department | 0:40:46 | 0:40:48 | |
will know the details of the case, but it might not be that simple. | 0:40:48 | 0:40:52 | |
Most people go, "Yeah, I remember him cos it's 11.5 G's," | 0:40:52 | 0:40:55 | |
but 11.5 G's to these is small change. | 0:40:55 | 0:40:57 | |
Moments later, we're asked to stop filming... | 0:40:58 | 0:41:01 | |
..and we have to leave. | 0:41:04 | 0:41:05 | |
After an hour of talking to various company representatives, | 0:41:08 | 0:41:12 | |
Craig comes outside to update us. | 0:41:12 | 0:41:15 | |
As we thought, | 0:41:15 | 0:41:16 | |
we've had to go through several layers of the hierarchy. | 0:41:16 | 0:41:18 | |
They've found the details. | 0:41:18 | 0:41:20 | |
The majority of the actual payment was made by Rolls-Royce's insurers. | 0:41:20 | 0:41:25 | |
However, they've neglected to pay the court costs for the claimant. | 0:41:25 | 0:41:29 | |
As the matter was being dealt with by its insurers, | 0:41:30 | 0:41:33 | |
the Rolls-Royce staff are unsure why it hadn't been settled in full, | 0:41:33 | 0:41:37 | |
but they've agreed to look into it and an hour and a half later, | 0:41:37 | 0:41:40 | |
Tommy and Craig are back. | 0:41:40 | 0:41:43 | |
It's all about talking to the right person and going up the chain. | 0:41:43 | 0:41:46 | |
Yeah, we took some time, eventually got the company lawyer down. | 0:41:46 | 0:41:50 | |
He agreed this needs to be paid. | 0:41:50 | 0:41:51 | |
And now it has been, in full. | 0:41:52 | 0:41:55 | |
It's another successful result for the sheriffs. | 0:41:55 | 0:41:58 | |
If we have the writ, | 0:42:00 | 0:42:02 | |
the court's saying you have to pay it, and you will pay it. | 0:42:02 | 0:42:05 | |
Rolls-Royce told us, "Once we were made aware of the oversight | 0:42:06 | 0:42:10 | |
"that led to the non-payment in this case, we..." | 0:42:10 | 0:42:13 | |
High Court enforcement agents are no strangers | 0:42:35 | 0:42:38 | |
to a bit of detective work. | 0:42:38 | 0:42:40 | |
Unsurprisingly, some debtors aren't keen to pay up | 0:42:40 | 0:42:43 | |
and it's down to the sheriffs to do whatever they can | 0:42:43 | 0:42:46 | |
to track down their assets. | 0:42:46 | 0:42:47 | |
They don't yet know it, but in Kent this morning, | 0:42:50 | 0:42:52 | |
Lawrence and Kev have just such a day ahead of them. | 0:42:52 | 0:42:55 | |
We're going to Mid Kent Generators looking for £6,960 this morning. | 0:42:56 | 0:43:02 | |
The money is owed to a supplier, which rented equipment | 0:43:03 | 0:43:06 | |
to Mid Kent Generators and took the company to court | 0:43:06 | 0:43:09 | |
when they didn't get paid. | 0:43:09 | 0:43:11 | |
A judgment was awarded in their favour, | 0:43:11 | 0:43:13 | |
but as they still didn't get their money back, | 0:43:13 | 0:43:15 | |
the sheriffs are going to pay Mid Kent Generators a visit. | 0:43:15 | 0:43:19 | |
But as they get near, | 0:43:20 | 0:43:21 | |
it doesn't look like the address on the writ | 0:43:21 | 0:43:24 | |
is leading to a commercial premises. | 0:43:24 | 0:43:26 | |
So, it is residential, then. | 0:43:27 | 0:43:29 | |
Looking for a company but at a residential. | 0:43:29 | 0:43:32 | |
It's not...it's not great. | 0:43:32 | 0:43:35 | |
You wouldn't have thought there was potentially any assets here. | 0:43:35 | 0:43:40 | |
Mind you, at least we're here sort of early enough | 0:43:40 | 0:43:42 | |
that we might catch him. | 0:43:42 | 0:43:44 | |
It's not a good start. | 0:43:44 | 0:43:46 | |
This looks like the company director's house, | 0:43:46 | 0:43:48 | |
and any assets will probably belong to him personally, | 0:43:48 | 0:43:51 | |
not the debtor company. | 0:43:51 | 0:43:53 | |
At least someone is in. | 0:43:56 | 0:43:59 | |
Morning. I'm looking for Mid Kent Generators. | 0:43:59 | 0:44:01 | |
Um, is it Mr Monger, the director? | 0:44:04 | 0:44:07 | |
My name's Mr Grix. | 0:44:07 | 0:44:08 | |
I'm an enforcement agent, as is my colleague. | 0:44:08 | 0:44:10 | |
We've got a High Court writ against Mid Kent Generators. | 0:44:10 | 0:44:13 | |
But Mr Monger says he doesn't recognise | 0:44:13 | 0:44:15 | |
the name of the company that's taken him to court. | 0:44:15 | 0:44:18 | |
No idea who they are? | 0:44:19 | 0:44:21 | |
Right, well, we've got a High Court writ in their favour | 0:44:21 | 0:44:23 | |
and we're ordered out today to take control of goods | 0:44:23 | 0:44:26 | |
to the value of £6,960.48. | 0:44:26 | 0:44:30 | |
The company has been dissolved? | 0:44:30 | 0:44:32 | |
Right. When was the company dissolved? | 0:44:32 | 0:44:35 | |
A bad start has got even worse. | 0:44:37 | 0:44:39 | |
They've found the director, but if the company is defunct, | 0:44:39 | 0:44:42 | |
it might be the end of the road. | 0:44:42 | 0:44:44 | |
Lawrence, however, isn't going to give up without some proof. | 0:44:44 | 0:44:48 | |
So, can you evidence that the company has got no money? | 0:44:48 | 0:44:51 | |
Company bank accounts? Something like that? | 0:44:51 | 0:44:54 | |
-Have you got evidence that it was dissolved? -No. | 0:44:54 | 0:44:57 | |
Have you got your dissolution paperwork? No? | 0:44:57 | 0:45:00 | |
Mr Monger seems vague on the details, | 0:45:00 | 0:45:03 | |
so Lawrence fills him in. | 0:45:03 | 0:45:05 | |
I'll tell you what it's about cos we've got notes here. | 0:45:05 | 0:45:07 | |
Hire of four generators at different sites in Kent and Surrey, | 0:45:07 | 0:45:11 | |
court costs, interest and returned cheque fees. | 0:45:11 | 0:45:14 | |
So, you've obviously bounced cheques on him, | 0:45:14 | 0:45:17 | |
so you can't say you don't know what it's all about, I'm afraid. | 0:45:17 | 0:45:20 | |
Mr Monger now says he does know about the case, | 0:45:20 | 0:45:23 | |
but that he knew the claimant company under a different name. | 0:45:23 | 0:45:26 | |
He says he thought the court case against him had been dropped. | 0:45:26 | 0:45:30 | |
Have you got paperwork to that effect? | 0:45:30 | 0:45:32 | |
Do you want to see if you can find that? | 0:45:33 | 0:45:35 | |
The man disappears inside to look for his court documents. | 0:45:37 | 0:45:40 | |
In the meantime, Lawrence checks the status | 0:45:40 | 0:45:42 | |
of Mid Kent Generators on the internet. | 0:45:42 | 0:45:45 | |
Oh, no, it's not dissolved. The company's house is still live. | 0:45:46 | 0:45:50 | |
When Mr Monger returns, he says he can't find the paperwork, | 0:45:51 | 0:45:55 | |
but is still adamant that the company has ceased trading | 0:45:55 | 0:45:58 | |
three weeks ago and has no assets. | 0:45:58 | 0:46:00 | |
The only thing here is an old VW Golf | 0:46:02 | 0:46:05 | |
that probably doesn't belong to the company, | 0:46:05 | 0:46:07 | |
and certainly isn't worth enough to cover the seven grand he owes. | 0:46:07 | 0:46:11 | |
Getting nowhere, Lawrence decides to give the man some time | 0:46:12 | 0:46:16 | |
to prove his side of the story. | 0:46:16 | 0:46:18 | |
Right, well, I'll give you that. | 0:46:18 | 0:46:19 | |
-It's got my contact details on it... -Yeah. -..down the bottom there. -OK. | 0:46:19 | 0:46:23 | |
You need to send any evidence you've got with regards to assets, | 0:46:23 | 0:46:27 | |
what have you. | 0:46:27 | 0:46:28 | |
OK, I'll give you five days to get that sorted. OK? | 0:46:28 | 0:46:32 | |
-Thank you. -Bye-bye. | 0:46:32 | 0:46:34 | |
But Lawrence isn't done with Mid Kent Generators | 0:46:36 | 0:46:39 | |
for today just yet. | 0:46:39 | 0:46:40 | |
He's not sure he's getting the full story | 0:46:40 | 0:46:42 | |
and wants to make some further investigations. | 0:46:42 | 0:46:45 | |
It was all very evasive. | 0:46:45 | 0:46:47 | |
He's saying the company's liquidated, which it isn't. | 0:46:47 | 0:46:50 | |
He has no assets, no money. He can't evidence any of that at the moment. | 0:46:50 | 0:46:54 | |
Mr Monger might not have given much away, | 0:46:54 | 0:46:57 | |
but he did provide an address which he says his company traded from. | 0:46:57 | 0:47:01 | |
What he doesn't know is that Lawrence's notes also include | 0:47:01 | 0:47:04 | |
a second address, which he didn't mention. | 0:47:04 | 0:47:07 | |
Although it's a 50-mile round trip, Lawrence wants to check them out, | 0:47:08 | 0:47:12 | |
starting with the address that Mr Monger didn't volunteer. | 0:47:12 | 0:47:16 | |
There we go. | 0:47:16 | 0:47:17 | |
The address leads them to a trading estate, | 0:47:17 | 0:47:19 | |
but the unit in question seems to have someone else's name on it. | 0:47:19 | 0:47:24 | |
Yeah, that's not it. | 0:47:24 | 0:47:25 | |
That's an empty unit being refurbished, isn't it? | 0:47:25 | 0:47:28 | |
He's gone from here. | 0:47:29 | 0:47:31 | |
But we now know it's definitely not here. | 0:47:31 | 0:47:34 | |
So far, the man's story is holding up | 0:47:34 | 0:47:36 | |
and the road trip might be a waste of time. | 0:47:36 | 0:47:39 | |
Still, they head to the second address - | 0:47:39 | 0:47:41 | |
the one Mr Monger did give them - hoping for better luck. | 0:47:41 | 0:47:45 | |
-All right, at the back. -The end one. | 0:47:45 | 0:47:47 | |
When they arrive, | 0:47:47 | 0:47:48 | |
Lawrence immediately spots something suspicious. | 0:47:48 | 0:47:51 | |
Got milk. | 0:47:51 | 0:47:53 | |
There's fresh milk at the door. | 0:47:53 | 0:47:56 | |
And there's only one day's worth of post there. | 0:47:56 | 0:47:58 | |
He's coming here. | 0:47:58 | 0:48:00 | |
And the milkman wouldn't keep delivering. | 0:48:00 | 0:48:02 | |
If he sees an empty unit and doesn't get paid, | 0:48:02 | 0:48:05 | |
he's not going to keep coming here and delivering milk. | 0:48:05 | 0:48:08 | |
If he's not actually trading out of here, | 0:48:08 | 0:48:10 | |
he's certainly coming back here on a fairly regular basis, I would say, | 0:48:10 | 0:48:15 | |
and there could well be some assets in there. | 0:48:15 | 0:48:17 | |
Although there's nothing valuable visible through the windows, | 0:48:21 | 0:48:24 | |
Lawrence needs to know for sure, | 0:48:24 | 0:48:26 | |
so he goes on the hunt for more evidence. | 0:48:26 | 0:48:29 | |
Mid Kent Generators - is he still running out of next door? | 0:48:30 | 0:48:33 | |
The man in the neighbouring unit says that they have indeed gone. | 0:48:33 | 0:48:37 | |
All right. Cheers. | 0:48:37 | 0:48:39 | |
It sounds like the company has stopped trading, | 0:48:39 | 0:48:42 | |
just like Mr Monger said, | 0:48:42 | 0:48:43 | |
but Lawrence isn't giving up altogether | 0:48:43 | 0:48:46 | |
on the hope of finding something. | 0:48:46 | 0:48:47 | |
He may not be running out of here, | 0:48:47 | 0:48:50 | |
but, you know, three weeks, sold all his assets? | 0:48:50 | 0:48:55 | |
It's unlikely. | 0:48:55 | 0:48:56 | |
But in the end, Lawrence never needs to discover | 0:48:58 | 0:49:01 | |
whether the company still has any assets. | 0:49:01 | 0:49:03 | |
Their visit to Mr Monger earlier | 0:49:03 | 0:49:05 | |
appears to have prompted him into action. | 0:49:05 | 0:49:07 | |
Soon afterwards, he enters a payment plan | 0:49:07 | 0:49:10 | |
in order to clear his debt to the supplier. | 0:49:10 | 0:49:12 | |
Mr Monger told us... | 0:49:17 | 0:49:19 | |
And he says... | 0:49:32 | 0:49:33 | |
In North London, Ken is on his way to a heavy-duty job. | 0:49:45 | 0:49:48 | |
He's chasing a debt owed by a company | 0:49:48 | 0:49:51 | |
specialising in construction machinery. | 0:49:51 | 0:49:54 | |
We're going to Hunter Plant Hire Limited. | 0:49:54 | 0:49:56 | |
Hunter Plant Hire has tried to sue a demolition company | 0:49:56 | 0:49:59 | |
for unpaid invoices, but the case was dismissed. | 0:49:59 | 0:50:03 | |
They were ordered to pay their opponents' legal costs, | 0:50:03 | 0:50:05 | |
but haven't, so now it's down to Ken to collect. | 0:50:05 | 0:50:09 | |
This one is quite a chunky one. | 0:50:09 | 0:50:12 | |
Around about 14 and a half grand after our fees. | 0:50:12 | 0:50:16 | |
Nevertheless, he's hopeful of finding enough assets to cover it. | 0:50:18 | 0:50:22 | |
Should be plenty of stuff there, I would imagine. | 0:50:22 | 0:50:24 | |
Heavy plant, for one. | 0:50:24 | 0:50:25 | |
Small office, loads of plant machinery. | 0:50:27 | 0:50:29 | |
When he arrives, it's just as he imagined. | 0:50:30 | 0:50:33 | |
And here we are. | 0:50:34 | 0:50:36 | |
Ken heads into the office. | 0:50:36 | 0:50:38 | |
-Hello. -Hello. | 0:50:40 | 0:50:42 | |
Hello. I need to speak to the person in charge. | 0:50:42 | 0:50:44 | |
PHONE RINGS The boss has made an appearance... | 0:50:44 | 0:50:47 | |
Hello, sir. | 0:50:47 | 0:50:49 | |
..so Ken explains he's here with a writ. | 0:50:49 | 0:50:51 | |
It's regarding a judgment against Hunter Plant Hire. | 0:50:51 | 0:50:54 | |
It was for £12,500, | 0:50:54 | 0:50:57 | |
which has now gone up, with our fees. | 0:50:57 | 0:51:00 | |
But the boss has a different take on events. | 0:51:00 | 0:51:03 | |
The boss asks our cameraman to leave. | 0:51:12 | 0:51:15 | |
Ken remains inside to negotiate. | 0:51:20 | 0:51:22 | |
Shortly afterwards, he comes outside to fill us in. | 0:51:24 | 0:51:27 | |
Well, the MD seems to think that he's owed £18,000 | 0:51:27 | 0:51:32 | |
as opposed to he owes them originally £12,500. | 0:51:32 | 0:51:37 | |
However, I told him the judgment is against themselves | 0:51:37 | 0:51:42 | |
and we will remove goods straightaway | 0:51:42 | 0:51:44 | |
should he not pay any money. | 0:51:44 | 0:51:46 | |
And by goods, he really does mean the big metal stuff in the yard. | 0:51:46 | 0:51:51 | |
We would hire a specialist low-loader company | 0:51:51 | 0:51:54 | |
that specialise in removing these big diggers | 0:51:54 | 0:51:57 | |
and take one of them away. | 0:51:57 | 0:51:59 | |
I think he's going to pay | 0:51:59 | 0:52:01 | |
because there's no way he's going to want to lose one of his diggers. | 0:52:01 | 0:52:04 | |
Those diggers on their own are worth in excess of £50,000, | 0:52:04 | 0:52:09 | |
and he won't want that at all. | 0:52:09 | 0:52:10 | |
I think he'll pay. | 0:52:10 | 0:52:12 | |
With the law on his side and plenty of assets here, | 0:52:13 | 0:52:16 | |
Ken has every reason to be confident, | 0:52:16 | 0:52:18 | |
but there are no guarantees in this business. | 0:52:18 | 0:52:21 | |
A short while later, he emerges from the office. | 0:52:23 | 0:52:26 | |
So, has he secured payment? | 0:52:26 | 0:52:29 | |
The upshot was he paid half the debt, which is £7,126, | 0:52:29 | 0:52:34 | |
and he's signed a controlled goods agreement | 0:52:34 | 0:52:37 | |
to a piece of plant equipment and office equipment there, | 0:52:37 | 0:52:40 | |
to pay in full within 14 days. | 0:52:40 | 0:52:42 | |
That means, if he doesn't, | 0:52:42 | 0:52:44 | |
the sheriffs will be back to take the goods. | 0:52:44 | 0:52:47 | |
He really didn't want to pay it. | 0:52:47 | 0:52:49 | |
Paid it in the end, and all in all, good result. | 0:52:49 | 0:52:53 | |
The MD paid the rest of the balance as promised | 0:52:54 | 0:52:57 | |
and the demolition firm have got the money they were owed. | 0:52:57 | 0:53:00 | |
190 miles away, Sheriff Chris Pearson is in Huddersfield, | 0:53:11 | 0:53:15 | |
on the road and chasing another unpaid debt. | 0:53:15 | 0:53:17 | |
We're going to see a company, Kayflex Limited, | 0:53:19 | 0:53:21 | |
for an amount of £11,919.52. | 0:53:21 | 0:53:25 | |
Kayflex Limited is a mattress supplier, | 0:53:26 | 0:53:28 | |
which hired a sales agent called Karen Saunders. | 0:53:28 | 0:53:32 | |
When the company terminated the relationship, | 0:53:32 | 0:53:34 | |
under industry regulations she was due compensation, | 0:53:34 | 0:53:37 | |
which hasn't been paid. | 0:53:37 | 0:53:39 | |
She's taken them to court, she's won the case. | 0:53:39 | 0:53:42 | |
It's been progressed to the High Court and they've asked us | 0:53:42 | 0:53:45 | |
to attend today with a writ. | 0:53:45 | 0:53:46 | |
But when Chris approaches the address he's been given | 0:53:46 | 0:53:49 | |
for the company, it looks like there could be a problem. | 0:53:49 | 0:53:52 | |
That's locked. | 0:53:52 | 0:53:54 | |
It's not clear whether the business is even open, | 0:53:54 | 0:53:56 | |
so Chris tries their number. | 0:53:56 | 0:53:58 | |
Hello. I'm stood at the gates looking directly at your factory. | 0:54:01 | 0:54:04 | |
I can't get in. They're all locked up. | 0:54:04 | 0:54:06 | |
Someone's in and comes out to speak to him. | 0:54:07 | 0:54:11 | |
I'm just here to come and speak to | 0:54:11 | 0:54:13 | |
somebody at Kayflex, if I can, please. | 0:54:13 | 0:54:15 | |
How do I get round? | 0:54:15 | 0:54:16 | |
The man seems surprised Chris needs to ask - although there's a padlock | 0:54:16 | 0:54:20 | |
hanging on the gate, it looks like it was open all along. | 0:54:20 | 0:54:23 | |
Chris drives through | 0:54:26 | 0:54:28 | |
and parks up. | 0:54:28 | 0:54:30 | |
-Are you an employee at Kayflex, are you, mate? -Yeah. -Yeah, it's to | 0:54:31 | 0:54:34 | |
do with Karen Saunders. | 0:54:34 | 0:54:36 | |
Yeah, yeah. | 0:54:36 | 0:54:37 | |
Shall we go in and sort it out, yeah? Thank you very much. | 0:54:39 | 0:54:42 | |
Chris explains he's come looking for nearly £12,000. | 0:54:42 | 0:54:45 | |
Although the man's cooperative, | 0:54:45 | 0:54:47 | |
he says he doesn't think Chris should be enforcing today. | 0:54:47 | 0:54:50 | |
Not as far as I'm aware. | 0:54:53 | 0:54:54 | |
-No problem. -Yeah. | 0:54:57 | 0:54:58 | |
The man says the matter's still in legal dispute and tries to get his solicitor on the phone. | 0:54:58 | 0:55:03 | |
Meanwhile, Chris checks his file. | 0:55:03 | 0:55:06 | |
-Are you Mr Khan, are you, sir? -Sorry? | 0:55:06 | 0:55:08 | |
-Are you Mr Khan? -No, Iqbal. | 0:55:08 | 0:55:10 | |
-Mr Iqbal, yeah? -Yeah. | 0:55:10 | 0:55:12 | |
Far from being an employee, Mr Iqbal is one of the company directors and | 0:55:13 | 0:55:17 | |
the file also reveals some unwelcome information about the business. | 0:55:17 | 0:55:21 | |
They're trying to dissolve the old company, Kayflex Limited, | 0:55:21 | 0:55:25 | |
and trying to set up a new company, Kayflex UK Limited. | 0:55:25 | 0:55:29 | |
An application for a voluntary strike-off, a form of liquidation, | 0:55:29 | 0:55:33 | |
has been made by the company. If it goes through, it will | 0:55:33 | 0:55:36 | |
officially no longer exist and Chris won't be able to collect. | 0:55:36 | 0:55:40 | |
He needs to finish the job today. | 0:55:40 | 0:55:43 | |
It could be a messy one, this. | 0:55:43 | 0:55:44 | |
They'll probably try and play for more time. | 0:55:44 | 0:55:46 | |
Unfortunately, time's ran out today, so we're here to collect. | 0:55:46 | 0:55:49 | |
A member of staff comes through a security door | 0:55:49 | 0:55:52 | |
and Chris takes the opportunity to explore. | 0:55:52 | 0:55:54 | |
There's a large warehouse full of mattress supplies. | 0:55:55 | 0:55:58 | |
It would take all day to clear the place out | 0:55:58 | 0:56:01 | |
but Chris has the bargaining chip he needs. | 0:56:01 | 0:56:04 | |
He can now tell Mr Iqbal that time is up. | 0:56:04 | 0:56:07 | |
PHONE RINGS | 0:56:07 | 0:56:09 | |
Can you not? | 0:56:09 | 0:56:11 | |
OK. Well, somebody needs to pay the outstanding debt, mate. | 0:56:11 | 0:56:15 | |
Will you just wait in here? | 0:56:16 | 0:56:19 | |
I appreciate your solicitor's probably dealing with it | 0:56:19 | 0:56:21 | |
but the writ is still live, | 0:56:21 | 0:56:23 | |
which means we need to continue with enforcement. | 0:56:23 | 0:56:26 | |
So if we can't get the debt paid today, | 0:56:26 | 0:56:28 | |
we need to take control and remove goods from the property. | 0:56:28 | 0:56:31 | |
No problem. | 0:56:33 | 0:56:35 | |
The man's off to make another phone call. | 0:56:35 | 0:56:37 | |
But Chris has made his point. | 0:56:37 | 0:56:39 | |
When Mr Iqbal comes back, he wants to pay up. | 0:56:39 | 0:56:41 | |
Yeah. | 0:56:44 | 0:56:45 | |
Do a bank transfer. That's fine, yeah. | 0:56:45 | 0:56:48 | |
I'll give you the details. No problem. | 0:56:48 | 0:56:51 | |
Mr Iqbal has had enough of being filmed and asks us to leave. | 0:56:54 | 0:56:59 | |
20 minutes later, Chris is out, too. | 0:56:59 | 0:57:01 | |
He decided, quite easily, to be honest, to pay in full - | 0:57:01 | 0:57:04 | |
clear the debt off | 0:57:04 | 0:57:06 | |
and then speak to his solicitor at a later date. | 0:57:06 | 0:57:09 | |
Kayflex Limited did go back to court to challenge the judgment | 0:57:09 | 0:57:13 | |
but their application was dismissed. | 0:57:13 | 0:57:15 | |
After a long legal fight, the sales agent Karen Saunders has finally got | 0:57:15 | 0:57:20 | |
the money she was owed. | 0:57:20 | 0:57:21 |