Episode 3 The Sheriffs Are Coming


Episode 3

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Transcript


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If you're owed money but aren't getting paid...

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it's time to call the sheriffs.

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

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I'm here to issue a high court writ.

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I've got to do what I'm instructed to by the courts.

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They're enforcement agents of the High Court.

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And if a court's ruled in your favour, they're on your side.

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If the debtor doesn't want to pay...

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You currently owe £9461.80.

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The law says the sheriffs can get you what you're owed.

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If you don't come to the door, we have to remove

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the vehicle off the drive.

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You'll have a week to pay in full before it gets sold at auction.

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Whether it's a small company...

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Can I speak to the person in charge please?

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..or a household name...

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We're here to see somebody from G4S.

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If they owe you money, the sheriffs get it paid.

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I'm not going anywhere, you get him to come in here.

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We're not going to be waiting around like that, it needs to be done now.

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I just collected 42 grand.

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Coming up...

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..things get heated at a car dealers in East London.

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-Move, move.

-Oi, oi, oi! Pal.

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You think you can come in here and start bullying people.

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I'll get my pals here and we'll see who's going to bully who.

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But can Sheriff Ken Warby get them to pay the five grand they owe?

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The value of the goods is here.

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Did I not warn you earlier that this would happen?

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Estate Agent, Karen Vaughan, was left on the brink of financial ruin,

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after a building project went wrong.

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The snowball effect was catastrophic.

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I was over £20,000 further in debt.

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Enforcement agents Tommy Coyle and Craig Wilde track down a man

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who owes her money but will he pay up?

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In Leeds, Michael Redman's house was left exposed to the elements

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after an insulation job was abandoned halfway through.

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It leaked, it was drafty, it was an eyesore.

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You could actually look through the window frames out into the street.

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Sheriff Chris Pearson pays the company a visit.

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-Can they take the heat?

-Is the boss in, mate.

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-He's not, no.

-Can you get him on the phone for me?

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And when Lawrence and Kev visit a classic car restorers,

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the boss admits he's made a mistake in ignoring the court.

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The reason I didn't pay was purely on principle.

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It's a chilly winter's morning in London and enforcement agent

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Ken Warby is working his patch in the north of the city.

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His first job today is to pay a visit to a car

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dealership in Walthamstow.

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We're going to a place called BD Trade Sales Ltd.

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And it's an individual that has taken them to court for just over

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four grand.

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BD Trade Sales Ltd were taken to court by a Mr Tarsem Kainth.

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He bought a second-hand car which broke down on the way home,

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and was refused a refund.

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The company didn't defend the case,

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so Mr Kainth won a default judgment, but he's never been paid.

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Now, including fees, the debt's just over £5,000.

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Ken knows that collecting money from car dealerships can be tricky.

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Different people owning different vehicles in the yard.

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Paperwork has to be got out. Proof has to be shown.

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There's usually an argument there somewhere.

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What he doesn't know, is that today's argument is going to

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involve not one but two car dealerships.

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Blue Diamond garages. That could be the one.

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No, BD Trade Sales is different.

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-Hello.

-Hello.

-BD Trade Sales Ltd?

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I'm here regarding a high court writ of control against

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BD Trade Sales from a Mr Tarsem Kainth.

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Why you got the camera here? Tell the camera to move away.

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The man asks our camera to leave the forecourt before telling

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Ken that the case against the company is in dispute.

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-It's to be set aside, is it?

-No, it's already set aside.

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Is it? Have you got any paperwork I can see?

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-Yeah.

-Thank you.

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The man says the judgment against BD Trade Sales has already been

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overturned by the courts.

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But when he shows Ken the paperwork, it instead seems to

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show their application for a set aside hasn't yet been successful.

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But then he comes up with a different reason not to pay...

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It's not his company.

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This debt is against BD Trade Sales.

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And he is the MD of a company called Blue Diamond.

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Blue Diamond is different garage, just down the road.

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But there's a reason why its boss is manning the BD Trade Sales office.

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They're brothers and one owes the other one a debt.

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The man says that because his brother owes him money,

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he's given him all the cars on the BD Trade Sales forecourt,

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so now they belong to Blue Diamond Garages Ltd.

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That would mean Ken can't remove them,

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but he's not just going to take his word for it.

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Unless they can provide money transfer proof that each

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vehicle on this site was sold from the defendant company to the

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brother's company, then we can remove the vehicles.

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Inside, the man does manage to produce invoices which appear

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to back up his story..

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But for Ken, it's still not enough.

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Because there are no actual bank transfers

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and no solicitors undertaking for one company to satisfy

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the debt to another company, also that's not around.

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So it all looks a little bit iffy.

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The man in the office has now got hold of his brother

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on the phone, so Ken talks to him to try to clarify the situation.

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You are the MD of BD Trade Sales Ltd, are you?

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My instructions are to remove a vehicle or two from here to

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cover this debt.

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The boss doesn't want to pay.

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He too is claiming the cars on the forecourt belong to

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Blue Diamond, but Ken disagrees.

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Because we don't have anything in concrete from a solicitor,

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for example, saying that this is a bona fide debt

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and it needs to be paid in a certain way, we can remove vehicles.

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Yeah, I understand that.

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But on the basis of you saying you owe him loads of money

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and him saying the same, that isn't good enough.

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We have to have it properly documented.

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Yeah. It's not good enough, mate, it's not good enough.

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Unfortunately you've got a stance there, I've got a stance as well.

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Unfortunately we're at an impasse.

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I'll just make a phone call and get a transporter on its way down here.

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And obviously you do what you've got to do my friend,

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and I've got to do what I'm instructed to by the courts.

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Yeah, you just said that. Thank you very much.

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Cheers for speaking to me.

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True to his word, Ken makes a call, to book a tow truck to remove cars.

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If I need you in E17, how long?

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That's all right, I might need it, I might not.

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The truck's now on standby and Ken warns the man

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that if he has to call it, then there'll be extra charges.

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It seems to have the desired effect as the man now says he'll

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try to get some money together on his brother's behalf.

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But not all of it.

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He does have the means to pay. I'm sure he does.

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He's saying I can pay part and part at the end of this month.

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But considering the value of the vehicles here

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and we're only after around five grand, I want payment in one go.

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If it was a football match it's like a one-all draw at the moment.

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You know, going in at half-time it's like one-all.

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But I know we're going to come out strong in the second half

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and get full payment, win the game.

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Later in the programme...

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Move that camera from here.

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..it all kicks off at BD Trade Sales...

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Why you coming in here and start bullying the man?

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Why you doing that for?

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And we find out whether Ken can get the money owed.

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-Did I not warn you earlier that this would happen?

-No.

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The police would turn up, the transporter would turn up,

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it would be like a scene out of Beadle's About and here we are.

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If you've been ripped off and the person or company responsible

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refuses to pay you back,

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the first step is to make a claim in the County Court.

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It's simple to do this online

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for a small fee depending on the size of the claim.

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The court will review the evidence,

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and if it finds in your favour, the debtor will be ordered to pay up.

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If they don't, then for a further £60

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the High Court will grant a writ,

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authorising the sheriffs to act on your behalf.

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If they're successful, you get all your money back.

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In the Midlands, enforcement agents Tommy Coyle and Craig Wild

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are on their way to Solihull.

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They're looking to try to recover a debt

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resulting from a business deal gone sour.

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The judgement's against a Mr Alan Beale.

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It's a home address.

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For just over £15,000, so it's a lot of money.

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The money is owed to Karen Vaughan,

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an independent estate agent,

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who also dabbles in property development.

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Her involvement with Mr Beale began

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when she was looking for a new project, to invest her savings.

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I've done a few projects. I've bought land.

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I've done some refurbishments on properties.

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And what I was really hoping to do, is to actually do a build.

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That was really the next stage. The natural progression for me.

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A suitable site in Wolverhampton had come up.

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Perfect to build four houses.

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Karen could afford to buy the land,

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but needed help to see the project through,

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so teamed up with a local builder, Alan Beale.

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I was providing the finance for the project,

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and Alan was dealing with all the building aspects.

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I'd seen some properties that had already been built with Alan.

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He's a likeable person,

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he seemed very knowledgeable on what he was doing.

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So, yeah, I thought that we were starting a good working relationship

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and it was the start of things to come, really.

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Before they could buy the plot

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the pair got surveys done and plans drawn up.

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But then the project started to drag

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and Karen began to realise there was a problem.

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Alan was quite a busy person,

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and it would appear that he wasn't getting back to architects,

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solicitors, the vendor of the site, etc,

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within the timescales that they required.

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And eventually the vendor decided that he couldn't wait any longer.

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The seller pulled out and sold the land to someone else.

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That meant all their work so far was down the drain.

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Alan started to forward to me

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the invoices for the work that he'd instructed.

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For example the architects, the site investigation works, etc.

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And I think it was at that point that the realisation hit

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that we were somewhere in the region of 20,000 in debt.

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And those bills needed paying.

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So, Karen paid them... All £20,000 of it.

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She assumed her business partner would chip in.

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But she was in for a shock.

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Alan's attitude was that we had set up a limited company

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and the idea of a limited company is to protect you

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personally from any debt if the company fails.

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And he felt that there was no legal need to have to pay that debt.

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And therefore if I wanted to pay them, that was my choice.

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Karen had been counting on the income from the completion

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of the project to honour other financial commitments

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and was now plunged into crisis.

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Personally, I was devastated that I was over £20,000 further in debt

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than I was to start with.

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The snowball effect financially was catastrophic.

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She missed loan payments and her business was nearly repossessed.

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So, when she finally managed persuade Mr Beale to pay back

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half of the money, it was a huge relief.

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He drew up loan agreement,

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and agreed to pay an amount each month to clear that debt.

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He made the first payment and so I thought everything was great.

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We were moving forward at last,

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but unfortunately when the second payment was due

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there was no money forthcoming.

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Despite phone calls, messages, texting

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and e-mails, Alan never came forward with any further payments.

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As he had broken a signed agreement,

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Karen was able to pursue him through the courts.

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She won a County Court judgment against Mr Beale.

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and when he still didn't pay, took it to the High Court.

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I've given him every opportunity to make this payment,

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but he's ignored everything.

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And I've put it in the hands of the sheriffs

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and I hope that this will evoke some sort of response

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and make him see that this debt is not going away.

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Now, Tommy and Craig are on their way to see Mr Beale.

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And Craig is feeling confident.

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He is a director of four limited companies.

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Building companies, a log-home company.

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He's obviously, clearly a man of means.

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So, hopefully we'll go and see Mr Beale

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and try and get Mrs Vaughan's money for her.

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At the house, there's no sign of a builder's van on the drive.

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But is Mr Beale home?

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KNOCK ON DOOR

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Builder's boots.

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Hello, my love. Sorry to disturb you.

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I'm trying to get in contact with Mr Alan Beale.

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-He's not here.

-Are you his wife, are you?

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No, I'm not his wife.

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My name's Mr Wild. I'm from the High Court.

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-Right, OK.

-If you can get him on the phone for me,

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I'm here to execute a court order.

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Yes, no problem at all. Just let me wipe my feet.

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No, not you, Tommy.

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-DOOR CLOSES

-No. I'm locked out.

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Craig's inside, at least. So...

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..get some dialogue going

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Inside, the woman tells Craig that she is Mr Beale's partner.

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As he seems to live there, the sheriffs could begin to list items

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to remove from the house to cover the debt.

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But it would be much better if Mr Beale could pay in some other way.

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So, the woman manages to reach him by phone

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and Craig fills Tommy in via the window.

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-He's just phoned in. He's saying he hasn't got the money.

-Right.

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So, we'll wait until he turns up anyway

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cos he's only about 10/15 minutes away.

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But there's another guy called Kevin turning up, as well.

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Mr Beale's apparently on his way back to the house.

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So, it looks like the sheriffs

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are going to get to speak to him face-to-face.

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After a short wait, a truck pulls up.

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Here we go.

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Mr Beale has arrived alone.

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He tells Tommy he can't afford to pay back his debt to Karen Vaughan,

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and he hasn't brought any money.

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He doesn't want to be filmed, and goes into the house,

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where Craig explains he's got a writ from the High Court,

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that empowers him to remove goods to cover the debt.

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And after some fraught discussions,

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there are some promising signs.

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Craig's just come out now,

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and he just requested to get the card machine.

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It looks like Craig has managed to negotiate

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at least some kind of payment.

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Sure enough, before long the sheriffs are on their way.

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So, nearly 18 months after signing the loan agreement with Mr Beale,

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has Karen finally got her money?

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The defendant turned up. He couldn't pay.

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But his partner decided to extend the hand of gratuity to him

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to get it paid off.

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So, that's what she's done. £15,000. There you go.

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Another good day for the sheriffs,

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and another good day hopefully for Miss Vaughan.

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I have to say, I am actually surprised.

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Whilst I was hoping for a good outcome,

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I did not expect this. So, thank you sheriffs

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you've done an amazing job, I can't thank you enough.

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Sheriff Ken Warby is at a car dealers in Walthamstow,

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where he's chasing a debt of £5,000.

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BD Trades Sales Ltd sold a car to Tarsem Kainth

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and when it broke down didn't give him a refund.

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Ken is dealing with the director's brother,

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who says he's trying to raise the money.

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But after a lot of waiting around, Ken has run out of patience.

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I've just been kept waiting.

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And fed a load of rubbish at the moment.

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Saying, "Give me five minutes, give me five minutes,

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"I need to make a few phone calls." Nothing's happened.

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Going to phone the office now,

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organise a transporter to come down, remove one or two of these vehicles.

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As Ken gets ready to make the call,

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the director's brother makes a last-ditch attempt

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to put on the brakes.

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Sorry, mate.

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Mate.

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But Ken's heard enough of this argument already.

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Hello, Wayne.

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It's Ken Warby.

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Look, I need a transporter down in Walthamstow.

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If you could get down here as soon as possible.

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About 40 minutes? Nice one, mate, appreciate it. Cheers. Bye.

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All the stalling has cost the debtor dearly.

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The fees sheriffs charge are set by the government

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and now that the transporter its on its way, the final bill has shot up.

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£5,075...

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to a, erm... To a whopping £6,700.

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And counting.

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But no sooner than the call is made,

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the boss' brother says a friend is on his way with the cash.

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It is the larger amount now, unfortunately.

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I called the transporter, mate. It's on its way.

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Just left the yard.

0:17:450:17:46

But you just....

0:17:460:17:48

Mate, it's not.

0:17:480:17:49

It's been like an hour and a half

0:17:490:17:51

since that first five minutes, do you remember?

0:17:510:17:53

Yeah.

0:17:530:17:55

I did warn ya. I had a coffee, we chatted.

0:17:550:17:59

Still nothing happened. The five minutes became an hour and a half.

0:17:590:18:02

Enough's enough.

0:18:020:18:03

Yeah, that's not enough now. It needs to be the full amount.

0:18:090:18:12

It makes no difference.

0:18:140:18:15

As soon as I tell the office,

0:18:150:18:17

"They're not paying" and that I need a transporter, these fees go on.

0:18:170:18:21

No.

0:18:230:18:24

The man said a friend was coming and sure enough one soon turns up.

0:18:240:18:28

Only it doesn't look like this guy's in the mood to hand over any cash.

0:18:280:18:33

-Move your camera from here.

-I'm on the street.

0:18:330:18:35

-Move your camera from here. Move. Move.

-Oi, oi, oi, oi, oi.

0:18:350:18:38

-Move.

-Oi, pal. Seriously...

0:18:380:18:39

You think you can come in here and start bullying people.

0:18:390:18:41

I'll get my people here right now.

0:18:410:18:43

-Why you

-BLEEP

-come here try bully the man? Huh?

0:18:430:18:46

-I'm not trying to bully...

-Why you come here to bully the man?

0:18:460:18:48

Mate, I'm not trying to bully anybody.

0:18:480:18:50

-I'll get my

-BLEEP

-pals here. Move that camera from here.

0:18:500:18:53

I'm on the public street. I'm on the public street.

0:18:530:18:56

Move away from my premises.

0:18:560:18:58

Ken has seen enough.

0:18:580:19:00

Police, please.

0:19:000:19:01

Someone has been physically threatening.

0:19:020:19:05

He's just suddenly come on to the car yard.

0:19:050:19:07

I would like someone here to prevent the breach of the peace.

0:19:070:19:10

I think they knew I was on the phone to the police

0:19:100:19:12

and they've sort of like disappeared,

0:19:120:19:14

so I'm in the car yard on my own at the moment.

0:19:140:19:16

But not for long, as the men soon return.

0:19:160:19:18

Move that camera away from me. Move that camera away from me.

0:19:180:19:21

Yeah, that's it, good boy. Yes, sir.

0:19:210:19:24

Why you coming in here and start bullying the man?

0:19:240:19:26

Why you doing that for?

0:19:260:19:27

I'll get my pals here and we'll see who's going to bully who.

0:19:270:19:30

If that's the way you wanna do it.

0:19:300:19:32

Has this gentleman just told you I was bullying him?

0:19:320:19:34

Well, that's the approach you've come along.

0:19:340:19:36

"Oh, we're going to do that, we going to remove cars."

0:19:360:19:38

Come on, mate.

0:19:380:19:39

-Can I just ask who you are?

-Khan, Mr Khan.

-Mr Khan.

-Mr Khan.

0:19:390:19:42

-And what involvement...?

-Listen, forget that involvement.

0:19:420:19:46

Tell him to switch that camera off.

0:19:460:19:47

-Otherwise he's going to be in a lot of trouble.

-Listen.

0:19:470:19:50

Tell him to switch that camera off.

0:19:500:19:51

If you want I can go talk to him personally.

0:19:510:19:53

Mate, switch that off, or I'll take that off you.

0:19:530:19:55

-Mate, you won't be doing that.

-No, no. Don't tell me that.

0:19:550:19:58

Why are you recording?

0:19:580:19:59

Just as the situation is spiralling out of control,

0:19:590:20:01

the police arrive, and Mr Khan makes himself scarce.

0:20:010:20:05

Meanwhile, the director's father has also arrived.

0:20:070:20:09

And he's brought cash.

0:20:090:20:11

Yep.

0:20:130:20:15

OK. I understand what you're saying.

0:20:210:20:23

The father is willing to pay his son's original bill,

0:20:230:20:25

but not the extra fees which were added

0:20:250:20:28

when the transporter was called.

0:20:280:20:30

But as far as Ken's concerned,

0:20:300:20:31

this is a situation entirely of their own making.

0:20:310:20:34

I did explain to this person loads of times that

0:20:340:20:37

-if I had to call the transporter, a lot of fees go on there.

-Yeah.

0:20:370:20:40

I was patient over two hours. But in the end enough's enough.

0:20:400:20:43

-I've called the transporter.

-Yeah.

0:20:430:20:44

Now, a load of fees have gone on there. I can't reverse that.

0:20:440:20:47

Did I not warn you earlier that this would happen?

0:20:470:20:49

The police would turn up, the transporter would turn up,

0:20:490:20:52

it'd be like a scene out of Beadle's About and here we are.

0:20:520:20:54

Are you able to settle the full amount with the gentleman?

0:20:540:20:57

No.

0:20:570:20:58

The father isn't budging.

0:20:580:21:00

OK. He is not willing to accept that. That's what he's saying.

0:21:030:21:07

But it will be here soon

0:21:120:21:13

and you've got sufficient goods in the yard to cover the debt.

0:21:130:21:15

But the son still thinks these cars can't be taken.

0:21:150:21:18

And now with the police in attendance,

0:21:180:21:20

he's hoping he can convince them of his side of the story.

0:21:200:21:23

-You've got a High Court writ for BD Trade Sales.

-Yes.

0:21:230:21:26

These cars, they belong to me, they belong to Blue Diamond Garages.

0:21:260:21:29

That's what I was trying to explain to you and you weren't listening.

0:21:290:21:32

-I hear what you're saying.

-Yeah.

-And so does this gentleman.

-Yeah.

0:21:320:21:35

But what happened is he's been issued

0:21:350:21:38

with a court writ for these premises.

0:21:380:21:40

-For BD Trade Sales.

-OK. I hear what you're saying.

0:21:400:21:43

But these cars are here, on this premises.

0:21:430:21:48

You got a big sign up there.

0:21:480:21:50

If you've got 6,600 and whatever it is,

0:21:500:21:53

then I would suggest you pay it.

0:21:530:21:55

Then you can go to court.

0:21:550:21:57

If it is proved in your favour you will get reimbursed.

0:21:570:22:01

If you chose not to pay back today, these guys can take the cars.

0:22:010:22:07

With the policewoman delivering the final verdict,

0:22:070:22:10

father and son realise the game is up.

0:22:100:22:13

-What we at?

-6,708... Just shy of 7 grand.

0:22:130:22:17

Is what we said earlier on we needed to avoid.

0:22:170:22:21

The father reluctantly agrees to pay

0:22:210:22:24

and hands over the full total in cash.

0:22:240:22:27

At the same time the transporter arrives and is sent on its way.

0:22:270:22:30

They think it's all over... It is now.

0:22:330:22:36

Well, I did tell you earlier on it was like one-all at half-time.

0:22:360:22:40

But, erm... 2-1 to the sheriffs.

0:22:400:22:43

Much to the father's disapproval.

0:22:430:22:45

This is very unfair system here.

0:22:450:22:47

Because the case is still in the court.

0:22:470:22:50

But nevertheless, to finish this matter off,

0:22:500:22:53

I didn't want any aggravation with no-one.

0:22:530:22:55

I paid the sheriffs, now we will claim it back.

0:22:550:22:58

The case never went back to court.

0:22:590:23:01

And Tarsem Kainth has got back the money he was rightfully owed.

0:23:010:23:05

Sheriff Chris Pearson is chasing a debt owed by a businessman

0:23:170:23:20

specialising in green home improvements.

0:23:200:23:23

We're in Leeds today.

0:23:240:23:25

We're off to see a Mr James Kahn.

0:23:250:23:27

It's for the sum of £1,587.

0:23:290:23:32

Owed for... Which I believe is insulation.

0:23:330:23:35

Which is either incorrectly fitted, or it wasn't fitted at all.

0:23:350:23:40

Mr Kahn runs a company called the Green Deal Warehouse.

0:23:400:23:43

It sold the insulation to pensioner Michael Redman

0:23:430:23:46

who lives in the Cookridge area of Leeds.

0:23:460:23:49

A place where to stay warm, you need all the help you can get.

0:23:490:23:52

We're one of the highest points in Leeds.

0:23:520:23:55

We get a lot of fog. Get a lot of wind.

0:23:550:23:58

It's horrendous up here when winter comes.

0:23:580:24:00

We can have snow up here,

0:24:000:24:03

when you can go a mile down the road,

0:24:030:24:07

and people are walking around in T-shirts.

0:24:070:24:09

It is so cold in winter.

0:24:090:24:13

And it's not just the elements which the residents have to contend with.

0:24:130:24:16

Much of the post-war housing here

0:24:160:24:18

is poorly insulated and can't easily be improved.

0:24:180:24:22

Houses are solid wall.

0:24:220:24:24

There is no cavity.

0:24:240:24:26

So, you can't put insulation inside.

0:24:260:24:30

Which is where a special type of insulation

0:24:300:24:32

called thermal cladding comes in.

0:24:320:24:34

It involves adding a whole new shell to the outside of the house.

0:24:340:24:38

It's like wrapping your house in a rather large blanket.

0:24:380:24:43

Hoping to keep his house warm, and cut down his bills,

0:24:430:24:46

Michael decided to buy thermal cladding

0:24:460:24:49

from local company The Green Deal Warehouse.

0:24:490:24:52

We had a choice of two firms that we could have gone with.

0:24:520:24:55

And we just decided to go with the first telephone number

0:24:550:24:58

which happened to be Green Deal.

0:24:580:25:01

Now we wished we hadn't.

0:25:010:25:03

The job meant also replacing his doors and windows

0:25:040:25:07

and the work got off to a good start.

0:25:070:25:09

But the progress would prove to be short-lived.

0:25:090:25:12

We paid £1,000 deposit.

0:25:120:25:14

They came out within a week to fit the new windows and doors.

0:25:140:25:19

They said we're coming back to do the insulation the scaffolding

0:25:190:25:24

and everything within the next fortnight.

0:25:240:25:26

And that was the last time we saw Green Deal Warehouse

0:25:280:25:32

for five months.

0:25:320:25:35

And it wasn't for lack of trying.

0:25:350:25:37

Michael called time and again

0:25:370:25:39

to try and arrange for the main work to begin.

0:25:390:25:41

They kept telling us that the scaffolding

0:25:410:25:45

was going to be coming next week.

0:25:450:25:47

Never came.

0:25:470:25:48

Ring up again. "Coming in another week's time."

0:25:480:25:52

Never came.

0:25:520:25:53

And it went on and on.

0:25:530:25:55

In the meantime, the windows and doors had been left half-finished.

0:25:550:25:59

So, far from keeping the heat in, the house was colder than ever.

0:25:590:26:04

You could actually look through the window frames. Not the glass.

0:26:040:26:09

Out into the street. Cos there were rather large holes.

0:26:090:26:13

And a lot of expanding foam.

0:26:130:26:16

It leaked if it rained.

0:26:160:26:19

It were drafty. It were an eyesore.

0:26:190:26:21

After months of phone calls and missed appointments,

0:26:230:26:25

Michael finally had enough and made one last call

0:26:250:26:29

to the boss of Green Deal Warehouse, James Kahn.

0:26:290:26:33

I said, "I'm cancelling it."

0:26:330:26:35

And straightaway Mr Kahn says, "You'll not get your deposit back."

0:26:350:26:39

I says I'm not going to argue with you.

0:26:400:26:44

I'll see you in court and put the phone down on him.

0:26:440:26:46

I think Mr Kahn thought I was joking.

0:26:460:26:50

But after spending £1,000 and five months exposed to the elements,

0:26:500:26:54

this was no laughing matter.

0:26:540:26:56

Michael got another company to complete the work

0:26:560:26:59

and took the Green Deal Warehouse to the County Court.

0:26:590:27:02

Although Mr Kahn did offer a defence,

0:27:020:27:04

he missed the hearing, and judgment was found against him.

0:27:040:27:08

He was ordered to pay Michael back his deposit, plus costs.

0:27:080:27:11

Not that it seemed to make any difference.

0:27:110:27:14

He just wouldn't pay.

0:27:140:27:16

We never saw a penny.

0:27:160:27:18

He just...totally ignored it.

0:27:180:27:22

Which left Michael with few options, other than to turn to the Sheriffs.

0:27:220:27:26

Something which he had no qualms about doing.

0:27:260:27:29

It's the right thing to do.

0:27:310:27:33

And I'm not that type of person what...

0:27:330:27:38

What's going to sit back and let him get away with it.

0:27:380:27:43

Sheriff Chris Pearson is on his way to the Green Deal Warehouse

0:27:480:27:52

to try to get Michael his money back.

0:27:520:27:54

And as a fellow northerner,

0:27:540:27:56

he has every sympathy with Michael's insulation nightmare.

0:27:560:28:00

Where I live it's on the coast. It's not too bad.

0:28:000:28:02

A couple of the hilly districts

0:28:020:28:04

you can get the snow up to two to three feet deep.

0:28:040:28:07

Can get a bit cold as well, to say the least.

0:28:070:28:09

So, if you're looking to get your property, your home, insulated,

0:28:090:28:12

it's got to be done correctly, I would say.

0:28:120:28:14

As Chris arrives, the business is open

0:28:170:28:19

and production seems to be in full swing.

0:28:190:28:21

But is Mr Kahn here?

0:28:210:28:23

Hello, mate.

0:28:240:28:26

Hello?

0:28:260:28:27

Is the boss in, mate, please?

0:28:280:28:31

Just up here, yeah? Cheers.

0:28:310:28:33

-Is Mr Kahn in, please?

-He's not mate, no.

0:28:330:28:35

Can you get him on the phone for me? I'm from the High Court.

0:28:350:28:37

-He's away, mate.

-Can you get him on the phone for us, mate.

0:28:370:28:41

Upstairs in the office, Chris explains the purpose of his visit.

0:28:410:28:45

There's been a writ issued, love, to seize company assets.

0:28:450:28:48

It's not for a great deal of money,

0:28:480:28:50

I'm sure we'll resolve it straight away.

0:28:500:28:53

The staff offer to contact the boss,

0:28:530:28:55

but they don't want our camera in the office.

0:28:550:28:58

-Could you all just go downstairs five minutes?

-Absolutely.

0:28:580:29:00

-I can wait down here, no problem.

-Yeah. Yeah, cheers for that.

0:29:000:29:03

But once downstairs, our cameraman's asked to leave altogether.

0:29:050:29:09

Chris remains inside to negotiate

0:29:160:29:19

and soon emerges to fill us in on what's going on.

0:29:190:29:22

The actual debtor is not there. Apparently, he's away on holiday,

0:29:220:29:25

but they are trying to get in touch with him at the minute.

0:29:250:29:27

So, hopefully, within a couple of minutes,

0:29:270:29:29

we'll get in touch with him, get this paid.

0:29:290:29:31

Until they can get hold of him,

0:29:310:29:33

there's no guarantee he'll agree to pay up.

0:29:330:29:36

But if he doesn't,

0:29:360:29:37

Chris is confident he's got plenty to fall back on.

0:29:370:29:40

Forklifts, windows, cars. There's all-sorts in there.

0:29:400:29:44

Hopefully they'll pay,

0:29:440:29:45

but if they don't there seems to be more than enough to cover the debt.

0:29:450:29:48

Back inside the staff manage to make contact with Mr Kahn abroad

0:29:480:29:53

and break the news that a High Court sheriff is on the doorstep.

0:29:530:29:56

Mr Kahn says that the case is still in dispute,

0:29:560:29:59

but Chris explains that he's got a High Court writ

0:29:590:30:02

and so the debt to Mr Redman needs to be paid now.

0:30:020:30:05

Soon enough, Chris is heading back to his car.

0:30:080:30:11

So, what's the news?

0:30:110:30:12

Mr Kahn was away on holiday, but we managed to contact him by phone.

0:30:120:30:17

And he's agreed to pay the full amount.

0:30:170:30:19

It's a textbook job for the sheriffs.

0:30:190:30:21

That was one of the better ones.

0:30:210:30:22

Yeah. If they could all go like that, it'd be fantastic.

0:30:220:30:25

Unfortunately, they don't.

0:30:250:30:27

Michael Redman will now get his lost deposit back.

0:30:270:30:30

We've received a cheque for a total of £1246.73

0:30:300:30:36

and I think they've done a superb job for us.

0:30:360:30:40

The Green Deal Warehouse told us,

0:30:400:30:42

"The work on Mr Redman's house was subject to a voucher scheme and was

0:30:420:30:45

"delayed due to a government backlog in processing the applications.

0:30:450:30:50

"Mr Redman was offered a number of start dates which he refused

0:30:500:30:53

"because they weren't convenient."

0:30:530:30:55

The company says it was unable to attend the court hearing due

0:30:550:30:59

to work commitments.

0:30:590:31:01

And the reason they didn't pay the debt is that they never

0:31:010:31:03

received the letter from the court.

0:31:030:31:05

Sheriffs are now officially known as High Court Enforcement Agents

0:31:080:31:12

and they'll collect the money you're owed.

0:31:120:31:14

My job is to collect in full or remove goods.

0:31:140:31:18

They've got more powers of entry than bailiffs.

0:31:180:31:20

We don't have to take any notice of your security protocol, I'm afraid.

0:31:200:31:23

And there's no limit on the size of the debts they can pursue.

0:31:230:31:26

£1.6 million.

0:31:260:31:29

Their fees are set by the government

0:31:290:31:31

which debtors have to pay on top of what they already owe.

0:31:310:31:34

Thank you very much, see you later.

0:31:340:31:37

If the sheriffs can't recover any of your money,

0:31:370:31:40

there's a fee of £75, plus VAT.

0:31:400:31:43

In the Midlands, enforcement agents Tommy Coyle and Craig Wild

0:31:480:31:52

are heading into the countryside

0:31:520:31:54

on a job which will pose some unique challenges.

0:31:540:31:57

We're off to see a company called Stoneridge Vehicle Sales.

0:31:570:32:01

The balance on the account is just short of £3,500.

0:32:010:32:04

The claimant successfully took Stoneridge Vehicle Sales

0:32:070:32:10

to court after buying a car which turned out to be faulty

0:32:100:32:13

and was refused a refund.

0:32:130:32:15

The company didn't defend the case,

0:32:150:32:17

so judgment was issued in default, but there's still been no payment.

0:32:170:32:21

The sheriffs are now headed to company-director's house,

0:32:210:32:24

which is the only address they've been given.

0:32:240:32:27

We've done our research, it's a large manor house, grade two listed.

0:32:270:32:32

Currently on the market for 1.3 million.

0:32:320:32:35

But it's not clear whether the business trades

0:32:350:32:38

from the house or not.

0:32:380:32:39

And just because it's an expensive property,

0:32:390:32:41

that won't make it any easier for the sheriffs to get paid.

0:32:410:32:45

If it was an individual's name on the writ then obviously

0:32:450:32:48

he would own items within the house.

0:32:480:32:51

So, we'd be pushing the point trying to get inside the house.

0:32:510:32:54

But with this we're just after business assets.

0:32:540:32:57

So, it makes it a bit more difficult.

0:32:570:32:59

-Oh, there we go. That's it there.

-That's it.

0:33:000:33:03

Two expensive-looking cars are on the driveway

0:33:050:33:08

and a courtyard behind the house looks promising, too.

0:33:080:33:12

-Is there cars in there, as well?

-I think so.

0:33:120:33:15

On closer inspection, he's right.

0:33:150:33:18

Yeah, there's loads of cars there.

0:33:180:33:20

The question is, are they owned by the company they're looking for?

0:33:200:33:24

To find out they'll have to run checks on the registration numbers.

0:33:240:33:27

So, they start taking them down.

0:33:270:33:30

-RA.

-R, what?

-RA02.

0:33:300:33:34

Some of the license plates are out of view.

0:33:340:33:36

To get a closer look, they might have to scale the wall.

0:33:360:33:40

But they don't want to alert the occupants of the house,

0:33:400:33:43

until they've got the information they need.

0:33:430:33:46

-(They're going to see me in the window, aren't they?)

-No.

0:33:460:33:49

So, up goes Tommy.

0:33:490:33:52

-M44.

-M44.

0:33:520:33:55

And Craig takes down the all the registrations Tommy can see.

0:33:550:33:59

Yeah. There's a couple more in a little garage there.

0:34:050:34:08

There are certainly a lot of cars for one house,

0:34:080:34:11

so it's possible they could belong to the car-sales business.

0:34:110:34:14

But until they get them checked out, they won't know for sure.

0:34:140:34:18

Now, they need to try to make contact with the debtor.

0:34:180:34:21

PHONE RINGS

0:34:230:34:25

The intercom system seems to be diverting

0:34:270:34:29

to a telephone's voicemail.

0:34:290:34:32

Just keep trying it, I bet they'll answer.

0:34:320:34:35

This is the Vodafone voicemail service for...

0:34:350:34:38

So now, the sheriffs need to get insistent.

0:34:380:34:41

As they're legally entitled to jump perimeter walls...

0:34:410:34:44

over they go.

0:34:440:34:45

Oh, drops down a bit, mate.

0:34:480:34:50

Go on, son. You can do it.

0:34:500:34:52

The things you do!

0:34:530:34:54

They then try the front doorbell, but there's no answer there, either.

0:34:580:35:02

Hello.

0:35:040:35:05

Hello.

0:35:060:35:08

Nobody coming to the door.

0:35:080:35:11

I mean, you could say they're in bed cos it's a huge manor house.

0:35:110:35:14

But obviously the bell we're ringing echoes through the house.

0:35:140:35:17

So, I'd say they know we're here,

0:35:170:35:19

but no-one wants to come to the door.

0:35:190:35:21

Would you come to the door?

0:35:230:35:26

You'd certainly come to the window, wouldn't you?

0:35:260:35:28

With no-one answering, the front gates locked shut,

0:35:280:35:31

and without yet knowing who owns the cars,

0:35:310:35:33

the sheriffs are running out of options.

0:35:330:35:36

Very difficult what we can do here this morning.

0:35:360:35:39

We've gathered a lot of information, took a lot of reg plates down

0:35:390:35:42

in the courtyard, which we'll DVLA check, and HPI check.

0:35:420:35:46

If they come back to our company name, we'll come back and have them.

0:35:460:35:50

We'll give it a couple more knocks,

0:35:500:35:52

and then unfortunately we might have to leave a letter today.

0:35:520:35:54

Which is exactly what they do.

0:35:540:35:58

Checks later showed that the cars weren't registered

0:35:580:36:01

to Stonebridge Vehicle Sales.

0:36:010:36:03

Shortly afterwards, the company was dissolved.

0:36:030:36:06

That means that it no longer has any money or assets,

0:36:060:36:09

and on this occasion, there's nothing more the sheriffs can do

0:36:090:36:13

to get the claimant's money back.

0:36:130:36:15

The boss of Stoneridge Vehicle Sales told us

0:36:170:36:20

he made every effort to settle the matter before it went to court.

0:36:200:36:24

He offered to inspect the car,

0:36:240:36:26

but the claimant wouldn't return it without being refunded first.

0:36:260:36:30

And he says he missed the court date because of an administrative error.

0:36:300:36:34

In the south-east, Enforcement Agents Lawrence Grix and Kev McNally

0:36:390:36:43

are in Kent. And their prospects of getting paid today

0:36:430:36:46

are looking pretty good.

0:36:460:36:48

The company they're going to is definitely still trading,

0:36:480:36:52

and it specialises in classic-car restoration.

0:36:520:36:55

We're in Ashford. We're going to Xtreme Jaguar Restorations Ltd.

0:36:550:37:00

They owe £3,161.

0:37:000:37:03

They soup up and restore old Jaguars.

0:37:030:37:06

Xtreme Jaguar was taken to court by a supplier.

0:37:060:37:10

And unlike many of the sheriffs' jobs, this time the debtor

0:37:100:37:13

won't be able to claim they never got the paperwork.

0:37:130:37:15

Mr Gannon, who is the director of Xtreme Jaguar Ltd,

0:37:150:37:19

he was actually in court to defend the hearing with his solicitor.

0:37:190:37:23

He's not going to be able to say he's not aware of this.

0:37:230:37:25

Mr Gannon didn't pay what he was ordered to by the court.

0:37:250:37:29

And now the sheriffs are heading his way.

0:37:290:37:31

One of them in particular can't wait.

0:37:310:37:34

Not because of the money, but because of his love of cars.

0:37:340:37:36

I'm very much looking forward to this one. I do like my Jags.

0:37:360:37:39

Always have done. I got one about a year ago.

0:37:390:37:41

Mine is like a metallic British racing green. I couldn't tell you...

0:37:410:37:45

Well, I could tell you the exact colour,

0:37:450:37:47

but that would be a bit geeky.

0:37:470:37:49

I've always loved the shape of the Jag.

0:37:490:37:51

There's just something about them.

0:37:510:37:53

Never seen him as excited about a job.

0:37:530:37:55

It's probably about as good as it gets for him.

0:37:550:37:58

As for getting paid, the Jaguars themselves are likely

0:37:580:38:01

to be out of the equation...

0:38:010:38:03

What we're going to find here I would imagine

0:38:030:38:05

is most of the actual cars belong to customers.

0:38:050:38:07

Parts, tools is the main thing we'll be looking for.

0:38:070:38:10

But will they need to take anything, or will the garage pay up?

0:38:100:38:14

Time to find out.

0:38:170:38:18

-Hi, there.

-Hi, there.

-How are you doing?

-Fine.

0:38:190:38:22

We're enforcement agents. We've got a High Court writ

0:38:220:38:25

against Xtreme Jaguar Restorations Ltd.

0:38:250:38:27

We're ordered here today to take control of goods

0:38:270:38:29

to the value of £3161.14.

0:38:290:38:32

-£3,100 and...?

-£61.14.

0:38:330:38:38

Right, well, first of all, what's the camera for?

0:38:380:38:41

At this point our cameraman's asked to leave.

0:38:430:38:46

Inside, Lawrence tells Mr Gannon that the outstanding debt

0:38:510:38:55

needs to be paid today.

0:38:550:38:57

Shortly afterwards our camera's let back in,

0:38:570:39:00

only to find Lawrence and the owner talking shop.

0:39:000:39:04

Ah.

0:39:040:39:06

-So, I've just built all...

-Oh, it's lovely.

0:39:060:39:10

That is just gorgeous. I've got an X300.

0:39:100:39:13

It's the last of the 3.2s cos I wanted a straight 6.

0:39:130:39:16

I didn't want a V8.

0:39:160:39:17

It's lucky it's the sheriffs' last job of the day

0:39:170:39:20

because they could be here a while.

0:39:200:39:22

I always, always loved Jags. Always wanted one.

0:39:220:39:25

And I thought for that money,

0:39:250:39:27

-just for something to pootle around in at weekends.

-That's right, yeah.

0:39:270:39:30

It's never going to be anything like this.

0:39:300:39:33

So, he's just showing Lawrence around the workshop at the moment.

0:39:330:39:36

He knew Lawrence was pretty keen to look round here,

0:39:360:39:38

so he's giving him a guided tour.

0:39:380:39:40

And Lawrence is geeking him out with information over there,

0:39:400:39:43

showing off that he knows a little bit about it.

0:39:430:39:46

So, let him have his moment. He's loving it over there.

0:39:460:39:49

Back to the writ in question.

0:39:490:39:52

Lawrence wants to know if any of these cars belong to the garage.

0:39:520:39:55

I'm guessing these are customers' cars, aren't they?

0:39:550:39:57

They're all customers' cars.

0:39:570:39:58

They are, which mean they can't be removed by the sheriffs,

0:39:580:40:01

or used as leverage to get payment.

0:40:010:40:03

But it doesn't look that will be necessary, anyway.

0:40:030:40:06

You can pay online with a card,

0:40:060:40:07

-we've got a secure online payment system.

-Yeah.

0:40:070:40:10

Or you can go online and do a bank transfer.

0:40:100:40:13

Mr Gannon is willing to pay £1,100 today.

0:40:130:40:17

And says he'll clear the rest tomorrow.

0:40:170:40:20

-There you go.

-OK.

0:40:200:40:22

Mr Gannon tells us his side of the story.

0:40:220:40:25

He says the dispute arose from a respray job on an E-Type Jaguar.

0:40:250:40:29

The paint shop involved sent me a sample of the paint, which is this.

0:40:290:40:34

And based on that being the correct colour,

0:40:340:40:37

I sent the car to the paint shop to be resprayed.

0:40:370:40:39

Mr Gannon claims that when the car came back, the colour wasn't right.

0:40:390:40:44

So, he refused to pay the full cost of the job,

0:40:440:40:47

and instead made an offer for part payment.

0:40:470:40:49

He wouldn't accept it. We went to court.

0:40:490:40:52

Sadly, the magistrate involved couldn't see the concept

0:40:520:40:55

of how much it was going to cost to respray a complete E-Type.

0:40:550:40:59

She did however find in my favour and knocked some off the bill,

0:40:590:41:04

but nowhere near enough.

0:41:040:41:05

She only knocked £1,000 off and anybody who's in this industry

0:41:050:41:09

will tell you you're looking at a minimum of £6,000

0:41:090:41:12

to respray an E-Type.

0:41:120:41:13

The reason I didn't pay it was purely on principle.

0:41:130:41:16

But the court made its decision

0:41:160:41:18

and Mr Gannon has tried to ignore it.

0:41:180:41:20

As a result he's now facing a higher bill, with extra charges and fees.

0:41:200:41:26

As he seems willing to pay,

0:41:260:41:27

Lawrence and Kev are happy to leave with £1,100 for the time being.

0:41:270:41:33

But they do list a couple of vehicles

0:41:330:41:34

belonging to the company, just in case.

0:41:340:41:37

What they've got outside, they've got a recovery vehicle.

0:41:370:41:40

A sort of 7.5-tonne van and they've also got a transit van, as well.

0:41:400:41:44

So, between the two vans there, there's more than enough

0:41:440:41:46

to cover the little that's left owing.

0:41:460:41:49

But I've got no doubt these guys are going to be paying in the morning.

0:41:490:41:52

-Right, this is your controlled goods agreement.

-OK.

0:41:520:41:55

The controlled goods agreement means that if Mr Gannon doesn't make

0:41:550:41:58

the promised payment, the sheriffs will be back to take the vehicles.

0:41:580:42:01

-All right, cheers.

-All right, thanks very much.

0:42:010:42:04

It's job done for the sheriffs.

0:42:040:42:06

And the moral of the story is that a court's decision is final.

0:42:060:42:10

The judge has said this is how much you've got to pay.

0:42:100:42:12

So, that's what we have to do, we have to enforce the writ.

0:42:120:42:15

So, we've taken what we could get today, which is £1,100.

0:42:150:42:18

We've got controlled goods agreement signed for the full balance

0:42:180:42:22

by close of business tomorrow.

0:42:220:42:23

The guys have come today. They're just doing a job.

0:42:230:42:26

So yes, I'm quite happy to pay it.

0:42:260:42:29

It's unfortunate, but I'll just have to chalk it up to experience.

0:42:290:42:33

And for Lawrence,

0:42:330:42:34

it's been a bit of case of mixing business with pleasure.

0:42:340:42:37

If I had to pick one from in here, that would be it, I think.

0:42:370:42:39

Oh, it would have to be.

0:42:390:42:41

I'd love to own some of the cars that are in there.

0:42:410:42:43

But hey ho, I've got my cheap old runaround, and that will do me

0:42:430:42:45

and I picked up a bit of advice while I was in there, as well.

0:42:450:42:48

So, happy days.

0:42:480:42:50

Xtreme Jaguar Restorations Limited paid the remaining balance,

0:42:510:42:55

and the paint shop got the money they were owed.

0:42:550:42:58

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