Episode 2 The Sheriffs Are Coming

-Meet the sheriffs.

-My name's Mr Grix, my colleagues and I are enforcement agents.

-It's to do with a High Court order.

-They work for the High Court,

and if it says you're owed money,

it's their job to go and get it.

I'm here for £6,072.18.

-They can demand payment on the spot.

-I'm here for the full balance.

-How are you going to pay it?

-Or remove assets instead.

The car will be going, unless you can pay it.

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

Obstructing their work can be a criminal offence.

-I wouldn't do that if I was you.

-The door needs to stay open.

Every year in England and Wales, unpaid debts totalling more

than £80 million are recovered by the sheriffs.

Coming up... Louise Alderson bought a second-hand car which was

a deathtrap.

The back wheels were only holding on by one wheel nut,

the side impact bars weren't there. I am lucky to be alive.

But when the sheriffs visit the dealer, it all kicks off.

Lawrence discovers his claimant's not the only one owed money.

Now that you've told me that, if this isn't paid,

I'm going to be pulling the shutters down and changing the locks.

Ken's got a writ for a multinational giant.

Look at the size of these buildings! It looks like Cape Canaveral.

And Lawrence gets tired of being messed around by a beautician.

Half an hour later, she's still on her way.

And I'm being told one thing and then another.

The sheriffs' success is often down to their ability to take

control of a debtor's goods to use as leverage until they pay up.

A common ruse used by debtors is to claim their stuff belongs to

someone else.

But the sheriffs don't take that at face value,

and will always do what they can to get to the truth.

Today in the West Midlands, Tommy Coyle and Craig Wild's

investigative skills are about to be tested.

We're going back to a job where we've been to before.

It's a car pound. When we went before, we left notification of our attendance.

They haven't responded to our paperwork,

so we're back here again.

The debtor deals in second-hand cars, and the claimant in the case

is the Louise Alderson, a teacher who came across

the company when she was looking for a new car to get her to work.

My old car had done quite a lot of mileage, it was getting to

the point where it probably needed a lot of repair work.

I was looking for another Ford Fiesta.

And when I spotted a lovely car advertised in Auto Trader,

it looked really sporty and really attractive.

And I'd just got married

and my husband said, "Yeah, spoil yourself."

So Louise went to have a look...

and was initially underwhelmed by the dealership.

My first impression was that actually,

this isn't what I was expecting, it was in the middle of an

industrial estate, there was a tip nearby.

And it didn't have a proper office.

So I was immediately put off by that, but then when I saw the car

and saw how lovely it was, and the man,

the sales guy I spoke to, he came across as very friendly and

very genuine, very honest, so that changed my mind.

The Fiesta was £6,000,

reduced to £5,000 with the part exchange of her old car.

She took out a loan to pay for it, and drove it away.

But it wasn't long before she experienced the first sign of trouble.

About ten miles, maybe 15 miles away, on the way home,

the engine warning light came on.

So I pulled over, phoned them up and said this is what's happened,

and he basically said, "Turn the engine off and turn it back

"on again, and I assure you it won't come back on." And it didn't.

But when the same thing happened the following day, Louise began

to get worried and took the car to a Ford specialist to check it over.

They found that the car had been badly repaired

following an accident. And there was a catalogue of problems.

The welding had been done incorrectly,

the brake pipe was severely bent.

The fan... The wiring for the brakes was actually hanging into the fan,

and all of the electrics, most of them,

had been disconnected, so it didn't even have air conditioning.

It was a shock.

A, I was very emotionally upset, and B,

I'd just spent the money, couldn't afford, needed a car for

work and was thinking, "What on earth am I going to do?"

What she did was get straight on the phone to the dealers.

They told me that the actual owner was away...abroad at the time.

And we'd have to wait until the following Monday until he was back.

That Monday came and went, no call. I phoned them.

They still said, "Oh, no, he's still not here, you'll have to wait."

And it was a continuum of that,

my husband tried to ring them and speak to them as well.

However, they just kept fobbing me off.

Frustrated, Louise called Trading Standards.

They sent out an independent vehicle inspector, who found even more

problems with the car.

The back wheels were only holding on by one wheel nut.

He found there had been other damage,

the side impact bars weren't there.

He actually said I was very lucky to be alive.

And that's how I do feel, that I am lucky to be alive.

Yet even with this damning verdict on the car's dangerous condition,

the garage still wouldn't commit to giving her a refund.

It was just a continuum of, "Where's the car, we want the car,

"meet the car, we'll send somebody out to get the car."

But never at any point promising to actually pay for it

at the same time as well.

And my husband and I had decided that the one thing that we were

adamant about not happening was for that car to go back on the road.

So, Louise pursued the dealership through the county courts.

They didn't defend the case, and she was awarded a default judgment,

requiring the company to pay her back, plus costs.

They didn't, and now Louise has turned to the sheriffs as

a last resort.

The whole thing has been such an ordeal,

I've had sleepless nights, I've been ill through it.

All I can hope is that the sheriffs can get some money back for

this for me, because if they can't do it, nobody can.

Last time the sheriffs visited the dealership,

they found a large lot full of vehicles.

However, it was locked up and no-one was around,

so all they could do was leave a letter.

Today, they're back, and it already looks more promising.

-It's open.

-Are you ready?

So it is open,

we're going to go straight in now and hopefully confront these people.

Again, there are plenty of cars in the yard,

and this time the sheriffs have no problem finding someone to speak to.

-Good morning.

-How are you?

-Not too bad, mate.

-He'll explain it.

-Hello, sir, Mr Wild.

-Sheriff one, sheriff two.

-Is the boss about?

-He is not here at the moment.

-Can he be contacted?

We need to get him on the phone, basically.

They don't seem surprised to see the sheriffs,

and manage to get the company director on the phone.

Hello, sir.

It's to do with the High Court writ that's been issued against

the company for £8,627.07, as it stands at the moment.

Obviously they've sent us out, they've sent us out to execute this court writ today.

And it sounds like he's making all the noises Craig likes to hear.

Right. Brilliant.

-Lovely.

-Sounds positive.

It seems that it could be... he's just sorting it out.

Maybe he got the letter before. So, it could be getting sorted.

Actually, the situation isn't quite as straightforward as Tommy is hoping.

The director doesn't want to pay,

and says the sheriffs can't touch the cars here.

He's saying that all the stock belongs to another limited company,

and they're supplying us now more documentation for the cars here.

In other words, none of the assets here belong to the debtor.

If so, then the sheriffs will more than likely have to leave

empty-handed, but they're not going to just take his word for it.

So what we need to do, we'll just make a list now.

-If we can tick them off.

-OK.

There may be dozens of cars here, but the sheriffs plan to

check every single one against the paperwork the director provides.

So they start noting the registration numbers of the cars.

DY09.

FG56.

FG56.

WP07.

It's like a maze getting through here, a maze of cars.

It's going to take some time, but as they only need to find a few

decent cars belonging to the debtor company, it might be worth it.

Just when they're getting stuck in,

Craig's interrupted by a phone call from his office.

The director has sent in some paperwork as promised,

but it only serves to convince the sheriffs they're on the right track.

We've had an e-mail in straight away from the director, but they only

list two cars, which I don't think are even here, to be fair.

Meanwhile, perhaps unsure themselves of what stock is here,

the employees are making a list of their own.

They're taking their own lists.

If they can supply the evidence that it was bought and paid for by

a third-party company, rather than our company,

then we'll be satisfied with that and then we'll walk away.

If they can't supply that,

then clearly we'll take it to the next level.

Later, tempers flare as the sheriffs up the ante.

LAUGHTER

Mind that egg.

Your cameraman!

If this balance isn't paid, then we are instructed to remove these vehicles.

Using the county courts to try to recover money you're owed

isn't difficult.

1.5 million money claims are made every year in England and Wales,

involving anything from faulty goods or poor workmanship to unpaid invoices.

Claims can be filed by post or online for a small fee.

Both parties in the case will be asked to submit evidence.

And you may have to attend a court hearing.

If you're successful,

a County Court Judgment, or CCJ, will be issued against the debtor.

And if they still don't pay, that's when you call the sheriffs.

The sheriffs are often called upon to visit companies

with cash-flow problems who are struggling to pay their bills.

Jobs like these can be tricky,

as the sheriffs are tasked with getting payments for their clients,

but they'd rather not put anyone out of business in the process.

This morning, enforcement agent Lawrence Grix is visiting

a company in Kent.

We're in the Garden of England today, just near Tonbridge.

Going to a company called MetCon Sustainable Building Systems.

It looks like, basically, they haven't paid one of their suppliers.

MetCon Sustainable Building Ltd has been taken to court by

a supplier which sold them some steel.

They didn't defend the case, and so a default judgment was awarded.

MetCon now owes £5,934.

It is a trading address.

And it's a limited company, so hopefully there'll be some assets there.

And we'll be able to get this resolved.

But as he pulls up outside the premises, Lawrence is disappointed.

First impressions, it doesn't look like they've got a lot here,

to be honest.

There's a pick-up that's sign-written.

Lawrence, however, is never one to prejudge a situation...

and heads inside in search of a manager.

Hello there, sir. Is this MetCon Sustainable Building Systems?

Lawrence is ushered through to a warehouse.

Who's in charge at the moment?

Where he explains to the staff the purpose of his visit.

I'm asking who's in charge here at the moment.

I've got a High Court writ against this company.

Pretty soon he's handed the director on the phone.

Hello, sir.

The director, it seems, knows all about the debt.

He says the company owes money to a number of people and is

trying to agree a repayment plan.

You've sent a proposal for a company voluntary arrangement?

You say you have got an insolvency practitioner involved, yeah?

Right, so have you sent the proposal to all your other creditors?

The business has applied for what's known as

a company voluntary arrangement.

That's a legally binding agreement which helps a company with

cash-flow problems gradually pay off its debts while continuing to trade.

Such an arrangement would prevent Lawrence enforcing today.

But it has to be approved by 75% of the company's creditors first,

and that hasn't yet happened.

Now that you've told me that, it actually doesn't put you in

a better position, it puts you in a worse position.

It means I've got to act today to secure this debt for our claimant.

The company may owe money to a number of parties,

but Lawrence is working for only one of them.

What I'm going to do, because there's so much stuff here,

and it's difficult to remove, I am now going to call

a locksmith and I'm going to secure the premises. I'm going to change the locks,

secure the premises and take control of goods on the premises.

That's my only option.

Unless, of course, the director is able to pay instead.

The amount due is £5,934.69.

If I end up having to secure the premises, basically there's

going to be another £1,800 plus VAT go onto that.

OK, then, sir. Thanks, bye-bye.

Apparently he'd sent a letter to our creditor proposing an

arrangement last Friday.

But they've sent the same letter to all the different creditors,

which basically, from my point of view, escalates it, because it

now means that I've got to protect our creditor's interest.

And that means getting paid first before anyone else gets

a slice of the pie.

It might seem like Lawrence's threat of bringing down the shutters

is going nuclear, but it seems to be working.

He said give him 20 minutes, so I think he's now focused his

mind a little bit and he's going to try and come up with the money.

20 minutes later, the director does indeed call back.

This time asking for bank details.

Right, it's NatWest bank.

But just as it appears to be heading in the right direction,

progress stalls.

No payment is made, and the director keeps asking for more time.

Another hour passes, and Lawrence is running out of patience.

I got the gentleman here to phone the director again,

and he said, "Give him another 15 minutes."

It's been another 15 minutes, he's trying him again now.

He's also tried to get a shareholder,

who apparently is the money man,

but he's not answering his phone at the moment.

Not been able to get him, no?

Although the company seem keen to pay,

Lawrence is once again forced to consider his options.

But while he could carry out his threat of securing the premises,

he's not confident it would result in getting his claimant's money.

There's not much in the way of assets here,

it's mainly raw materials, and the preformed bits of building

that they've already made, which, really, would only be worth scrap value.

There is a machine for folding the steel, folds it into a

three-quarter box, which apparently they're about £200,000 new.

Well, obviously this isn't new,

and unless there's somebody who specifically wants to buy it,

we'd probably be looking at scrap value for it, to be honest.

There is the sign-written pick-up,

but the rest of the vehicles here appear to belong to the staff.

-So that white Transit's yours as well, is it?

-Yeah.

-OK.

But then, finally, Lawrence gets another call.

-This time from the company's shareholder.

-Hello, sir.

Lawrence is hoping he will understand the urgency of the situation.

I've been here since 11:45,

so I think I've been more than patient so far.

I have got to execute this writ to its fullest NOW.

If this isn't paid, I'm going to be pulling the shutters down and

changing the locks to secure all the assets on site,

and we will then conduct an on-site auction.

It doesn't matter where you are in the world, sir, if you've got

the funds to make a payment, it can be done from anywhere.

That's me.

HE LAUGHS

I'm the good-looking one with the goatee beard.

It seems the message has sunk in.

He's on holiday in Cornwall at the moment.

You could actually hear seagulls in the background when I spoke to him.

So he said he's not in a position to actually deal with it himself.

But he's going to phone his daughter.

I'm a bit more confident there's going to be some money coming now.

He apologised for the delay.

I'll give him a few more minutes just to make a couple of phone calls.

He's seen the programme, so he knows how it works!

So, yeah, hopefully it's going to get resolved shortly.

It does. Lawrence soon confirms with his office that a payment has been made.

Brilliant, cheers. Bye.

I shall issue you a receipt.

My favourite bit.

We got paid in full in the end. Good job, really.

No aggression, everybody here was amicable.

There you go. Thanks very much.

I'm pleased, certainly for the guys here, that I didn't have to...

didn't have to lock the doors, which obviously is one of the main

reasons, I think, it got paid, because they wanted to keep

the business going and keep the guys employed, so that's it.

We're out of here.

Cheers, mate. See you later.

And you.

Lawrence is on his way,

and the steel supplier who hadn't been paid has now got its money.

MetCon Sustainable Building Systems Ltd's application to enter a

company voluntary arrangement with its creditors has now been successful.

In the West Midlands, Tommy and Craig are at a used-car dealers

who owe just over £8,500 to Louise Alderson,

who bought a car from them which was too dangerous to drive.

The boss of the business claims all the cars on the forecourt

today belong to another company.

But he's not here, and so far has e-mailed through paperwork for just two of them.

Now Craig's office have rung to say he's sent two more.

So he's supplied those four. But no others yet.

So those four are obviously exempt.

Sheriffs are entitled to do a diligent search of

a debtor's premises.

While they wait for the paperwork to trickle in, Craig has a look

through the filing cabinet to see if he can speed the process up.

The first thing he finds is a sales ledger.

The Renault Megane, right there - £2,560.

Good price...

for you.

MAN LAUGHS

It's not long before he discovers some more interesting information -

logbooks and sales invoices.

One immediately catches his attention.

This document here says "purchased from the third-party company",

and this is for a Subaru that's outside,

but it's only an 02 plate, and we're after 8,000 quid.

There's some of these other vehicles as well.

The document shows that one of the cars outside was bought FROM

the very company the sheriffs were told owns everything here.

Something isn't stacking up.

Before long, Craig's identified a number of other vehicles too,

and the sheriffs step outside the cabin to confer in private.

-We've got an '09 Renault Clio. These are all here.

-Mm-hm.

The logbooks are in there and the keys are in there as well,

so the game might be up soon.

Seize this paperwork, then, yeah? They ain't having it back.

Craig reckons if these vehicles don't belong to the other company,

and they're up for sale in the debtor's yard,

then they must belong to the debtor.

Confident they're onto a winner, Tommy takes all the keys and

documents he can from the cabin and locks them in his van.

Craig calls up the director and gets straight to the point.

My office have instructed me to let you know that, obviously,

if this balance isn't paid,

then we're instructed to remove these vehicles.

The director still claims the vehicles belong to someone else.

Sir, I'm not here to argue.

If you can't provide evidence -

further evidence, because we've got the evidence here -

these vehicles will be removed today.

Unless, of course, he's willing to pay.

OK, so the choice is yours.

The balance stands at £8,627.07.

I need an answer from you, and if you want to pay this bill or not.

That'll be a no, then, yeah? Right.

It looks like this is about to become a removal job,

and just as they start making the calls,

a third man arrives in the office.

-Hello, my friend.

-I don't want no camera in here.

You've got to get out.

-No, no, no.

-We're here for the, erm...

I don't want no camera in my face, mate, so get out, please.

Yeah, yeah...

Although it's not clear who he is,

one thing that is certain is he's not pleased to see us.

He tells the cameraman to leave, but then follows him to the road

and unleashes an extraordinary tirade of abuse.

-White

-BLEEP.

-Listen, yeah? You dirty

-BLEEP.

You feel me?

-I'll smack your head all over the floor, you white

-BLEEP. BLEEP!

Have that for the BBC.

-BLEEP

-dirty

-BLEEP.

Feel me? You know what?

-Dirty

-BLEEP!

Pleased with himself, he heads back to the hut

and, shortly afterwards, drives off...

Out my way, mate!

..but not without once again making known his feelings

towards the camera.

Don't film me, mate.

And he's not done yet -

ten minutes later, the same man is back,

this time with a friend in tow, and armed.

With eggs.

All right, all right... Lads...

-MEN LAUGH

-That man got egged!

The men run off, still hurling abuse.

Yeah, you're on camera, mate!

MAN YELLS INDISTINCTLY

As they leave, one throws a rock.

-Come on, then, you

-BLEEP!

What connection, if any, they have to the dealership is unclear,

and the salesman left behind takes a very different approach.

Are you OK?

Tommy, meanwhile, is unfazed.

We've just been attacked with eggs,

and they're trying to film it and stuff, so just...

They look like young lads being idiots,

but we're going to get the police here now, cos assault's happened.

It's a bit unfortunate, but part of the job.

The cameraman's coat's come off worse for wear,

but luckily no-one's hurt...

More of it's on your head, mate.

..and the men have vanished by the time the police arrive.

Are you all right? It's just that they've ran off.

-They jumped our cameraman, basically...

-OK.

..smashed eggs on him, started throwing rocks at him.

-A rock just skimmed his head.

-OK.

-And we got you... Obviously, we called you guys.

-All right.

After speaking to our cameraman, the police head into the cabin.

They're just going to make a bit of an investigation.

There was threats made of...that they were going to petrol-bomb us,

and that they were going to come back,

so obviously we have to take these things seriously,

especially the fact they were throwing rocks.

Craig, meanwhile, has made some progress -

a friend of the director arrived during the disturbance on the road.

He's now leaving, but it seems he wants to get the debt paid.

Luckily for us,

a friend arrived and managed to talk round the situation to him,

and it's more cost-effective to pay it now and challenge it later,

which is exactly what he's going to try and do,

so, as we speak now, the money's on its way.

We'll be about another half an hour,

so we're just getting the receipt ready,

so, as soon as it turns up, we can count it and be on our way.

Satisfied the situation has calmed down, the police leave,

and soon word comes through that the money is ready for collection.

One of the salesmen goes to pick it up.

When he returns 45 minutes later, the sheriffs are expectant.

Oh, look, he's got an envelope.

-Have we got it? Yeah?

-There we go.

Have you got the money?

-No money?

-No.

-No money at all?

-No, man.

-Well, where did you go?

-TOMMY LAUGHS

The man has returned empty-handed.

That's wasting our time, now - it's as simple as that.

He said he was going to get the money.

Quite what has caused the apparent change of heart isn't clear,

but Craig no longer cares,

and once again gets the director on the phone.

Your man's come back without the money,

so my office has just told us to start removing the vehicles now.

There's six vehicles to have away.

No problem, then, sir. Thanks a lot. Bye-bye.

Done now?

"Do so as you wish," he said, so that's fine by me.

All right, then, Tommy-boy, let's get these cars done now, shall we?

Later, the job goes right up to the wire,

as the company makes more promises of payment.

Here we go. He's back.

Is it...? Have you got the cash now, then?

Let's have a look at it.

When debtors can't pay on the spot...

I'm assuming that you haven't got £5,000.

Oh, dear.

..the sheriffs won't always remove assets to get your money.

Goods go for about a fifth of their true value at auction,

and it's often better to agree to a payment plan.

If you can come up with half of it today...

Do you reckon you can do 200 a week?

They'll make a list of assets...

They've got an ice machine, bar-chilling cabinets...

Television, PlayStation...

..and a controlled goods agreement is signed,

making it an offence for anyone else to remove them...

When you sign the form, it acts as security.

..and the sheriffs will only return to take the goods if the debtor

fails to make payments.

I've signed him up for £1,000 a month.

Providing you stick to that, you won't hear from us again.

Cases the sheriffs take on come in all shapes and sizes.

Debts start at £600, but can reach well into the millions,

and the debtors are anything from one man and his dog

to huge corporations.

For enforcement agent Ken Warby, today's first job is the latter.

Well, this morning, we are off to a company called Procter & Gamble -

huge company, soaps and toothpastes and suchlike,

distributing to many of the big superstores.

To be specific, Ken's writ is for a division of the corporation

called Procter & Gamble Product Supply UK Limited,

which owes a man £3,108 in legal costs...

..but Ken's not fazed by the company's stature.

I prefer the bigger companies, actually.

Yeah. They look after you. Usually got...

They usually offer you a cup of tea.

They also shouldn't have a problem coming up with a few grand,

but how straightforward it'll be is likely to boil down to what

exactly is at the address he's been given, which is in Essex.

I think this is an office premises we're going to visit,

so there should be some assets there.

I would imagine, a company of this size,

they will have a head office that would do any payments,

so I wouldn't imagine the payment would probably come from here.

But as Ken approaches his destination,

it becomes clear it's not what he was expecting.

"P&G London".

I think we're going in the right direction.

Instead of a small office with a car park,

his sat nav has led him to a sprawling industrial site.

Look at the size of these buildings! Look at the size of them!

They all seem to be Procter & Gamble,

and Ken's got no idea where he's going.

There's no signs up or anything.

Where would the office be?

It's got to be around here somewhere.

I... I can smell soap.

Eventually, he's directed to a car park outside a chemical plant.

It looks like Cape Canaveral.

What kind of assets he could possibly remove from

a place like this isn't clear.

Still, he tracks down reception and heads in,

but before he can utter a word...

Erm... No, sir. Can you turn that off?

..our cameraman's asked to leave.

Inside, Ken begins the task of retrieving the claimant's money.

He knows all too well that turning up unannounced at the doors

of huge companies often causes confusion.

Half the battle is usually finding someone on site who knows

about the debt or has the authorisation to make a payment.

This time, Ken gets lucky, and the reception staff manage to

track someone down who knows about the case -

even better, they agree to pay it.

So far, so good -

only, it turns out not to be that simple.

Two hours after walking in, Ken comes back out empty-handed.

They've tried to make the payment by American Express.

Unfortunately, we don't take American Express,

and they are the only cards that they've got on the premises.

So we've had to wait around for the office to contact their head office,

that isn't here, to make a bank transfer or an alternative card.

Hopefully they'll do it.

Ken's hardly worried about the company's ability to pay.

Although the name on his writ is for one of its UK subsidiaries,

Procter & Gamble is an American multinational giant,

with a turnover running into many billions of pounds,

but, after being here two hours, Ken would rather not have to wait

much longer for payment, and he doesn't have to.

The head office have been able to access another card,

not an Amex card, and the payment's gone through.

It all went smoothly, really. I didn't have to raise my voice.

They knew from the off that they owed the money.

And that means Ken never had to seriously consider removing

assets from the chemical plant, although he did threaten it.

I told them my intentions were to list items and have them removed.

It's not going to happen for a small debt

for a company of this size.

If it was, it would end up a right soap story. Excuse the pun.

Back in the south-east, Lawrence is in the van,

on his way to enforce another debt.

He's looking for a businesswoman who, it seems,

hasn't paid some of her invoices.

We're in west London.

We've got a writ against a lady called Nara Simonyan,

trading as Nara Health & Beauty, so we're off to a beauty parlour.

It looks quite big.

The lady owes £2,200 or thereabouts,

and it's for multimedia marketing which she hasn't paid for.

The marketing firm has taken Miss Simonyan to court,

and when she didn't defend the case,

awarded a judgment against her by default.

She now owes a grand total of £2,201.

Lawrence pulls up outside the salon and goes in.

Hello there. Good morning. I'm looking for Nara Simonyan.

She's not in yet. Are you able to get her on the phone at all?

I'll show you some identification as well.

My name's Mr Grix. I'm an enforcement agent.

I've got a High Court writ to execute against Nara,

so it's vital that I speak to her.

The staff member manages to get through to

Miss Simonyan straight away, and Laurence is handed the phone.

Thank you.

Hello there.

I've got a High Court writ today against you.

I believe it's for unpaid multimedia marketing.

OK, I'm here today to take control of goods to the value of £2201.10.

Yes, goods which can be removed and sold at auction.

You're going to do that now, yeah?

OK.

Thank you.

Bye-bye.

So far, so good.

Well, she's immediately said, "Oh, don't take anything. I'll pay."

She said it might take about half an hour,

and then she's going to let them know here

once she's made the payment.

-She said she's going to contact you when she's done it...

-OK.

..and I'll be able to check with my office.

It looks like a textbook job,

but several minutes later there seems to be a change of plan.

Is she coming here now, is she?

So, how far...?

Oh, she's really close, is she?

Not as far as I'm concerned - I've got a High Court writ.

Miss Simonyan's belief that the matter is still in court is

a worrying development for Lawrence,

especially when, after another 30 minutes waiting around,

there's no sign of either the debtor or the money.

A half-hour later, she's still on her way,

it's going to be 15 minutes, and the case is back in court.

It's...

No, it doesn't... It doesn't bode well.

I don't like being told one thing and then another.

And soon the staff weighed in,

saying the matter is still in dispute,

and they don't think their boss should have to pay.

Lawrence tries to set them straight.

The judgment was entered.

She didn't pay it,

so they've transferred it to the High Court for enforcement purposes.

It's not still in the court. It's not still in the court.

There is a High Court writ.

She may have a hearing at the court,

but whatever she's done to get that hearing hasn't affected the writ.

Lawrence is beginning to wonder whether Miss Simonyan

really is going to pay,

and starts to consider his options in case she doesn't.

Yeah, I know, I'm just having a look round.

I'm not removing anything yet.

But she said, initially, she was making the payment,

and now she's coming here, so...

In an effort to lighten the mood,

the staff offer to do Lawrence's nails while he waits,

but he's not convinced he needs their help.

I cut my fingernails regularly, with my teeth.

Besides, there may not be time to rectify the damage done by

Lawrence's hand-care techniques.

All right.

Apparently, the debtor is actually in the bank now.

So...hopefully she's making the payment.

She is, and soon confirmation comes through in the form of

a photo of the paying-in slip.

-Looks clear enough. Are you able to text that to me?

-Yeah.

Ms Simonyan has paid the £2,200 owing

and Lawrence makes a hasty retreat...

-Thank you.

-Thank you.

-Goodbye.

-Bye.

..before anyone can suggest a facial.

That went quite smoothly in the end, really.

There was a phone call saying she was on her way and the case

was back in court, et cetera, et cetera, so, for a while,

I thought she was coming down to have an argument rather than pay

but then it turns out she was in the bank all along.

Texted over a photo of the paying-in slip to one of her friends

in there and the payment was in.

The marketing company whose invoices went unpaid will now get

the money they're owed.

Back in the West Midlands, Tommy and Craig are still at the car dealers.

They've been there for four hours hoping to collect more than

£8,500 on behalf of a customer,

Louise Alderson, who was sold a dangerous second-hand car.

It's been a very tense day.

We've been pelted with eggs...

MEN LAUGH

..and rocks...

..by two young men whose connection to the garage is unclear.

Don't film me, mate!

Meanwhile, the boss finally agreed to pay, before his courier

turned up without the cash.

-No money.

-No.

-No money at all?

Enough is enough.

And the sheriffs have now ordered low loaders to come and remove

a total of six cars from the yard.

So, the money hasn't arrived,

I think what they're trying to do is just blag for time, I think.

I spoke to my office, they're organising the transport

now and then we'll take it from there.

Tommy parks the van in the entrance to prevent anyone from trying to

shut the gates.

As he does so, he spots a car waiting in the street outside.

-I think them lads are back here.

-In that car, are they?

I think that's them, yeah.

It's not clear who's in the car or what, if anything, they plan to do.

Either way, it is clear the tension of this job is getting to everyone.

No money has arrived and it's cold. Freezing.

I need to go home, I need to lie down.

But after another chat with his boss, the man says they're

struggling to raise the money and comes forward with an offer.

-OK.

-Yes, my friend?

Is there no possibility at all you can take half the money now

and take the other half on a bank transfer or something?

I can't help you, my friend.

After four tense hours here, and with a bunch of cars they could

remove, the sheriffs are in no mood whatsoever to do a half-price deal.

I don't really believe what they're saying,

especially the way they've messed us around now.

It's going to go to removal so we're looking to get the six cars gone.

The car outside, at least, has gone without any further mischief.

The prospect of vehicles being imminently removed is definitely

-making the company's attempts to raise the cash more urgent.

-Hello?

The problem is, now that six low loaders are on the way,

they'll have to pay for those too.

-250 plus the VAT times six.

-Six...

-1,800 quid, isn't it?

-Yeah. Just coming up 1,800 quid.

-How long has he got before...

-Done. The truck's on the way.

It's kind of too late, isn't it, now?

You had the chance over an hour ago.

What can you do?

They don't want to pay the extra fees,

and in an effort to get the removal called off,

again promise that someone's on the way with cash.

He's going to be back in 15 minutes maximum. Cancel it, yes?

-I can't cancel it.

-No, no... You have to.

I can't. How long have we been here?

-I know, I know, I know, I understand that.

-I ain't cancelling it.

I'm not cancelling it at all.

Craig is no longer interested in promises, only payment.

As far as he's concerned, it's just a case of waiting to see

which turns up first, the removal trucks or the money.

Here we go, he's back.

It's the staff member who was sent for the money the last time

but came back empty-handed.

What's going to happen now?

Is it... Have you got the cash there now? How much have you got?

-Got £8,927.

-Let's have a look at it.

He says he's come back with £300 more than the sheriffs asked for at

the beginning of the day.

But that's now not enough, because of the extra fees.

Craig calls his office.

Lawrence, there's a whole bundle of cash here now, which is 8,900 quid.

How much do we need to call this all to a halt?

According to Lawrence, so far only one removal truck has

actually set off, so they'll settle for just one cancellation fee.

Yeah, cheers, mate. Ta-ra, goodbye.

Which means, provided the cash adds up, this job might finally be over.

44 20s...

5, 6, 7, 8, 9, 10, 11, 12, 13...

All looking good so far.

The gentleman has paid, at the moment, £8,900.

And with the contents of the salesman's pocket...

-I've got 70 as well.

-Thank you, my friend.

..they've come up with enough to satisfy the writ and the sheriffs.

The tow trucks are called off, Craig finishes writing out the receipt

he started two hours ago and Tommy gives back their keys and paperwork.

They've earned these back now.

All your keys and all the logbooks.

Take care of yourself. Yeah, sorry about any misunderstanding.

-No, it's fine.

-Sorry about the...

I do apologise and have a safe journey home.

-Yeah, and you, you take care of yourself, mate.

-OK.

It's taken all day, but with the job finally in the bag,

the sheriffs are all smiles.

So, a massive ordeal for us today, bit of drama with the police,

but finally we won the battle.

It ended up being exactly what we wanted in the end.

THEY LAUGH

The debtor company later appealed the judgment against them

but a judge rejected their case

and Louise was finally given back her money.

If the sheriffs were here now, I'd give them all a big hug and a

kiss because they've done an amazing job.

I never thought anyone would be able to get the money,

it's just fantastic news.

And it didn't end there.

Trading Standards subsequently prosecuted the business for

misdescribing the Fiesta in their advert and for selling Louise

a dangerous and unroadworthy vehicle.

They were fined a total of £7,500.

The best outcome was that the car had a destruction order on it

and therefore that car will never get back on the road.

For Louise, it's the end of a long ordeal.

I'm absolutely relieved, and now it's over, yes,

maybe I can start to relax and look forward to

one day buying a new car when I feel more confident about doing so.