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-Meet the sheriffs. -My name's Mr Grix, my colleague and I are enforcement agents. | 0:00:02 | 0:00:05 | |
It's to do with a High Court order. | 0:00:05 | 0:00:06 | |
They work for the High Court. | 0:00:06 | 0:00:08 | |
And if it says you're owed money, it's their job to go and get it. | 0:00:08 | 0:00:12 | |
I'm here for £6,072.18. | 0:00:12 | 0:00:16 | |
They can demand payment on the spot... | 0:00:16 | 0:00:18 | |
I'm here for the full balance. | 0:00:18 | 0:00:20 | |
-How're you going to pay it? -..or remove assets instead. | 0:00:20 | 0:00:24 | |
The car will be going unless you can pay it. | 0:00:24 | 0:00:26 | |
You'll have a week to pay in full before it gets sold at auction. | 0:00:26 | 0:00:30 | |
Obstructing their work can be a criminal offence. | 0:00:30 | 0:00:33 | |
I wouldn't do that if I were you. | 0:00:33 | 0:00:35 | |
The door needs to stay open. | 0:00:35 | 0:00:37 | |
Every year in England and Wales, | 0:00:38 | 0:00:40 | |
unpaid debts totalling more than £80 million are recovered by the sheriffs. | 0:00:40 | 0:00:45 | |
Coming up - Rob Gallon took his car in for a repair and hasn't seen it since. | 0:00:48 | 0:00:55 | |
The car's very important. | 0:00:55 | 0:00:56 | |
It's a big part of my life, it's a hell of a big part of my life. | 0:00:56 | 0:00:59 | |
He's now owed thousands of pounds. | 0:00:59 | 0:01:02 | |
But will the sheriffs be able to get it? | 0:01:02 | 0:01:05 | |
-Can you keep it shut, please? -I've got every legal right. | 0:01:05 | 0:01:07 | |
-Diligent search, they call it. -No, you can't. -Yes, I can. | 0:01:07 | 0:01:10 | |
Lawrence puts the squeeze on a finance company which hasn't paid its rent. | 0:01:10 | 0:01:15 | |
You had a turnover, last time you submitted books of 1.8 million, | 0:01:15 | 0:01:19 | |
so I can't believe that you can't come up with £16,000. | 0:01:19 | 0:01:22 | |
An airline hasn't paid compensation it owes to a passenger. | 0:01:22 | 0:01:26 | |
His family were each entitled to 600 euros but, unfortunately, there was | 0:01:26 | 0:01:30 | |
no response. | 0:01:30 | 0:01:32 | |
Now the sheriffs are on the case. | 0:01:32 | 0:01:34 | |
Are you going to come and open the door? | 0:01:35 | 0:01:37 | |
And Ken tells a shop fitters it's time to pay. | 0:01:37 | 0:01:41 | |
If you consider this a game of poker, this person is holding all the aces. | 0:01:41 | 0:01:45 | |
Today, sheriff Craig Wild is flying solo without his trusted partner, | 0:01:50 | 0:01:55 | |
Tommy Coyle. He's going to visit the director of a car garage, | 0:01:55 | 0:01:59 | |
specialising in engine refurbishments. | 0:01:59 | 0:02:02 | |
We're off to go and see Nitin Kareer | 0:02:02 | 0:02:06 | |
in the centre of Birmingham. It's to do with a car, just over £6,000. | 0:02:06 | 0:02:12 | |
It all stems from a dispute over the repair of a 4x4, a Mitsubishi L200 | 0:02:12 | 0:02:18 | |
owned by Rob Gallon, who needs an off-road vehicle for work. | 0:02:18 | 0:02:23 | |
Good boy. We install water mains and water services, | 0:02:23 | 0:02:26 | |
it's a family-run business | 0:02:26 | 0:02:29 | |
and it does require going off onto sites where I have to go off road, | 0:02:29 | 0:02:34 | |
across fields. My personal life, I do some shooting, | 0:02:34 | 0:02:38 | |
so the Mitsubishi L200 was absolutely perfect. | 0:02:38 | 0:02:41 | |
But when the turbo failed, causing piston damage, | 0:02:41 | 0:02:44 | |
Rob decided to get the engine replaced and started looking for a garage to | 0:02:44 | 0:02:49 | |
-do the work. -Quality Engine Services from Birmingham, | 0:02:49 | 0:02:52 | |
sounded like a company that knew what they were doing. | 0:02:52 | 0:02:55 | |
I did explain to the guy that I would prefer another engine in the | 0:02:55 | 0:03:00 | |
car and not to rebuild the one that I've got. | 0:03:00 | 0:03:02 | |
And he convinced me that he was the one to put this car right. | 0:03:02 | 0:03:07 | |
The man he dealt with called himself Nick. | 0:03:07 | 0:03:10 | |
A week later, the repair was complete and Rob went to take a look. | 0:03:10 | 0:03:15 | |
Started it up and it didn't sound right. | 0:03:15 | 0:03:17 | |
And he said, "Oh, it just needs running in." | 0:03:17 | 0:03:20 | |
Anyway, I drove the car home down the motorway, | 0:03:20 | 0:03:23 | |
half a mile away from home it broke down and spilt all the oil all over the road. | 0:03:23 | 0:03:28 | |
After handing over £2,000, Rob wasn't best pleased, | 0:03:28 | 0:03:32 | |
especially when he inspected the engine and found it was still the | 0:03:32 | 0:03:36 | |
same one. Nick was apologetic and took the car back for a second time. | 0:03:36 | 0:03:41 | |
The car, again, was supposed to be in the garage for no more than seven days. | 0:03:41 | 0:03:45 | |
I contacted Nick after nine days and he said they were having a few | 0:03:46 | 0:03:51 | |
problems with a few of the belts and the auxiliaries, | 0:03:51 | 0:03:54 | |
it should be ready for the weekend. | 0:03:54 | 0:03:56 | |
I rang again at the weekend and it was Monday it was going to be finished, | 0:03:58 | 0:04:02 | |
and then I rang on Monday and it would be Wednesday, and it just continued | 0:04:02 | 0:04:06 | |
on and on and on. | 0:04:06 | 0:04:07 | |
For weeks, Rob chased it up, but still no car. | 0:04:08 | 0:04:13 | |
He told me that he wasn't the big boss, | 0:04:13 | 0:04:15 | |
that he'd have to speak to the big boss to get things sorted. | 0:04:15 | 0:04:18 | |
He gave me three different names, with three different numbers, | 0:04:19 | 0:04:22 | |
which, speaking to him on the phone, I know is the same guy, | 0:04:22 | 0:04:26 | |
I know it's this Nick. | 0:04:26 | 0:04:27 | |
But some of Nick's reasons for the delay were difficult to | 0:04:27 | 0:04:30 | |
argue with. | 0:04:30 | 0:04:32 | |
He can't do anything for me at the minute because his wife had | 0:04:32 | 0:04:34 | |
died over the last two weeks and that's why the car hadn't been | 0:04:34 | 0:04:39 | |
delivered back. | 0:04:39 | 0:04:41 | |
So Rob gave him some time. | 0:04:41 | 0:04:43 | |
But as weeks became months, | 0:04:43 | 0:04:45 | |
he got increasingly worried he was never going to get the car back. | 0:04:45 | 0:04:49 | |
And it wasn't just about the money. It also had sentimental value. | 0:04:49 | 0:04:53 | |
I owned a Mitsubishi L200 prior to this one that I had | 0:04:54 | 0:04:59 | |
an accident in, in 2008, and it saved my life. | 0:04:59 | 0:05:04 | |
If I was in any other vehicle, I wouldn't be here today. | 0:05:04 | 0:05:07 | |
And I didn't drive from 2008 to 2012, | 0:05:07 | 0:05:11 | |
and my wife went and bought me this L200 to get me back out on the road, | 0:05:11 | 0:05:15 | |
get me driving again. So the car is very important. | 0:05:15 | 0:05:19 | |
It's a big part of my life, it's a hell of a big part of my life. | 0:05:19 | 0:05:22 | |
That was the vehicle that got me back on track, | 0:05:22 | 0:05:24 | |
it started getting our life back together. | 0:05:24 | 0:05:26 | |
As Rob's hopes of ever seeing his beloved car again faded, | 0:05:26 | 0:05:30 | |
he began to get desperate. | 0:05:30 | 0:05:32 | |
I contacted Staffordshire Police and West Midlands Police a number of | 0:05:32 | 0:05:37 | |
times to see if they would accompany me to the garage in Birmingham, | 0:05:37 | 0:05:40 | |
so as I could recover my vehicle. | 0:05:40 | 0:05:43 | |
At this point I was told by the police there was nothing they can do | 0:05:43 | 0:05:46 | |
because this is a civil matter, | 0:05:46 | 0:05:49 | |
and unless Nick hands over the keys to that | 0:05:49 | 0:05:53 | |
car, I legally cannot take that car out of that garage, or else I'll be | 0:05:53 | 0:05:57 | |
charged with theft. | 0:05:57 | 0:05:59 | |
Eventually, the garage offered to sell his car on and Rob reluctantly agreed, | 0:05:59 | 0:06:03 | |
thinking it was the only way out. | 0:06:03 | 0:06:06 | |
But he never received any money, | 0:06:06 | 0:06:07 | |
apart from a refund of the £2,000 he'd already spent on the repair. | 0:06:07 | 0:06:12 | |
His bank statement revealed the money came from | 0:06:13 | 0:06:16 | |
Rocco Motor Solutions Limited. | 0:06:16 | 0:06:18 | |
Presuming this to be the company behind the trading name | 0:06:18 | 0:06:21 | |
Quality Engine Services, | 0:06:21 | 0:06:22 | |
Rob took its director, Nitin Kareer, to court for the value of the car. | 0:06:22 | 0:06:27 | |
My initial thoughts were, "I can't wait to get this guy in court," but | 0:06:27 | 0:06:31 | |
that never happened because he never responded to any letter or any | 0:06:31 | 0:06:35 | |
correspondence from the courts at all. | 0:06:35 | 0:06:38 | |
Rob was awarded a County Court judgment in his favour by default, | 0:06:38 | 0:06:43 | |
and when Mr Kareer didn't pay it, put the matter in the hands of the sheriffs. | 0:06:43 | 0:06:48 | |
They're most certainly my last hope. | 0:06:48 | 0:06:49 | |
I don't think there's any other way that I can get this sorted. | 0:06:49 | 0:06:55 | |
I don't know any other way that I can get it resolved. | 0:06:55 | 0:06:57 | |
At the end of the day, you need back what's yours. | 0:06:57 | 0:07:01 | |
I work hard to make that sort of money, | 0:07:02 | 0:07:05 | |
it's not that I can just give it away. | 0:07:05 | 0:07:07 | |
In Birmingham, Craig is approaching the garage. | 0:07:14 | 0:07:17 | |
He's hopeful there'll be plenty of assets that can be removed if payment isn't forthcoming. | 0:07:17 | 0:07:23 | |
There's going to be sort of other vehicles or, | 0:07:23 | 0:07:25 | |
you know, lifts or mechanical tools of that nature. | 0:07:25 | 0:07:29 | |
There it is, over there. | 0:07:33 | 0:07:34 | |
Craig parks up opposite the premises and checks the paperwork. | 0:07:36 | 0:07:39 | |
A potential pitfall catches his eye. | 0:07:41 | 0:07:44 | |
The claimant has actually sued the actual individual, as opposed to a | 0:07:44 | 0:07:49 | |
limited company, so if he does trade from here as a limited company, | 0:07:49 | 0:07:53 | |
and he can provide evidence of that, then we're a bit stuffed. | 0:07:53 | 0:07:56 | |
We'll go and find out now. | 0:07:56 | 0:07:58 | |
There's no name above the door and no mention of Quality Engine Services. | 0:07:58 | 0:08:03 | |
But that's no concern to Craig. | 0:08:03 | 0:08:05 | |
There's only one name on his writ, a Mr Nitin Kareer, | 0:08:05 | 0:08:09 | |
and that's who he needs to find. | 0:08:09 | 0:08:11 | |
Hello. Is the boss about? | 0:08:11 | 0:08:13 | |
Can he be contacted at all? | 0:08:14 | 0:08:16 | |
Is it a Nitin Kareer or something? | 0:08:19 | 0:08:21 | |
If you can get him on the phone, mate, I'll have a chat with him. | 0:08:23 | 0:08:26 | |
I'm Mr Wild from the High Court. | 0:08:26 | 0:08:28 | |
While the staff member goes off to phone the boss, | 0:08:29 | 0:08:32 | |
Craig is pleased to have verification that this is indeed the | 0:08:32 | 0:08:36 | |
-debtor's business. -He's confirmed that our guy is the boss. | 0:08:36 | 0:08:40 | |
It just depends what, who owns the assets here, | 0:08:41 | 0:08:44 | |
whether it's him personally or whether it's a limited company. | 0:08:44 | 0:08:48 | |
-We'll see how it goes. -A few minutes later, | 0:08:48 | 0:08:50 | |
the man returns and says the boss is on his way. | 0:08:50 | 0:08:53 | |
-He's coming down. -Oh, he's coming down. | 0:08:53 | 0:08:56 | |
Yeah, yeah, absolutely, yeah, yeah. | 0:08:56 | 0:08:58 | |
There's so far no indication of whether Mr Kareer is planning to | 0:08:59 | 0:09:03 | |
pay, but if he isn't, then Craig's best hope of persuading him to do so | 0:09:03 | 0:09:08 | |
will be threatening to remove his assets. | 0:09:08 | 0:09:11 | |
The problem is, anything here owned by his company, rather than by him | 0:09:11 | 0:09:14 | |
personally, would be off limits. | 0:09:14 | 0:09:17 | |
So while he waits for him to arrive, Craig turns detective. | 0:09:17 | 0:09:21 | |
I'm still going to try and look around the place, | 0:09:21 | 0:09:23 | |
try and get some evidence that our guy, as an individual, trades from | 0:09:23 | 0:09:27 | |
here, as opposed to his company. | 0:09:27 | 0:09:30 | |
And it doesn't take long before he stumbles across something of interest. | 0:09:30 | 0:09:34 | |
Not one, not two, not three, | 0:09:34 | 0:09:37 | |
not four, not five, not six, | 0:09:37 | 0:09:41 | |
but seven, | 0:09:41 | 0:09:43 | |
seven penalty charge notices. | 0:09:43 | 0:09:45 | |
The evidence seems to suggest the director is not keen to pay his debts. | 0:09:45 | 0:09:50 | |
Worse still, as Craig carries on searching, | 0:09:50 | 0:09:53 | |
he discovers exactly what he was afraid of. | 0:09:53 | 0:09:56 | |
I've located some of the invoices that they used for recent sort of | 0:09:56 | 0:09:59 | |
parts and it's all in the name of his limited company. | 0:09:59 | 0:10:02 | |
So, unfortunately, it's looking like our | 0:10:04 | 0:10:06 | |
guy trades under a limited company here, so not as an individual. | 0:10:06 | 0:10:12 | |
It's bad news for Craig, | 0:10:12 | 0:10:13 | |
as it looks like he'll need to persuade the debtor to pay up | 0:10:13 | 0:10:17 | |
without having any leverage to negotiate with. | 0:10:17 | 0:10:20 | |
Mr Kareer hasn't shown up yet either, and soon, | 0:10:20 | 0:10:23 | |
one of the mechanics hands Craig a phone. | 0:10:23 | 0:10:26 | |
Who's this? Nitin, yeah? | 0:10:26 | 0:10:28 | |
Yash? | 0:10:30 | 0:10:32 | |
I'm trying to get in contact with Nitin. | 0:10:32 | 0:10:35 | |
It's an outstanding High Court writ. | 0:10:35 | 0:10:37 | |
It's not Mr Kareer on the phone, | 0:10:37 | 0:10:40 | |
so Craig can't go into the case details unless they are authorised | 0:10:40 | 0:10:44 | |
by the defendant to do so. | 0:10:44 | 0:10:46 | |
Craig emphasises that someone, preferably Mr Nitin, | 0:10:46 | 0:10:49 | |
needs to come to the garage to sort it out. | 0:10:49 | 0:10:52 | |
And soon, a man arrives. | 0:10:53 | 0:10:55 | |
-Can you come outside? -I'm not coming outside, I'm waiting here, | 0:10:55 | 0:10:58 | |
-I'll have a discussion with you in the office, yeah. -Yeah, come inside my office. -Yeah, yeah. | 0:10:58 | 0:11:01 | |
-What's up, mate? -I don't know, mate. I'll find out. | 0:11:01 | 0:11:04 | |
-And what relation are you to Nitin? -I'm his friend. -You're his friend? | 0:11:06 | 0:11:08 | |
-Yeah. -Right. My name's Mr Wild. | 0:11:08 | 0:11:11 | |
Have you been sent down to sort this situation out? | 0:11:11 | 0:11:13 | |
-Which situation? -Well, the one they phoned you about. | 0:11:13 | 0:11:16 | |
-What? -I'm here under a High Court writ for a balance outstanding of £6,072.18. | 0:11:16 | 0:11:22 | |
-The claimant is a Mr Robert Gallon. -Oh, he's took us to court? | 0:11:22 | 0:11:26 | |
-That's right. -I don't know nothing about it. | 0:11:26 | 0:11:28 | |
I have overtook from Nitin, and we are going to only just do parts, | 0:11:28 | 0:11:31 | |
-we've got nothing else to do. -Right. -Or anything like that. | 0:11:31 | 0:11:34 | |
Despite a staff member telling Craig that Nitin Kareer was the boss, | 0:11:34 | 0:11:39 | |
this man is claiming he's in charge and Nitin no longer works here. | 0:11:39 | 0:11:44 | |
If so, then Craig will have difficulty enforcing the debt. | 0:11:44 | 0:11:47 | |
But later, he finds more clues which cast doubt on the man's story. | 0:11:47 | 0:11:52 | |
I've got invoices proving that he's trading from here. | 0:11:52 | 0:11:55 | |
I'll always try and help people out. | 0:11:55 | 0:11:57 | |
But what I don't like being is being mugged off, do you know what I mean? | 0:11:57 | 0:12:00 | |
Using the County Courts to try to recover money you're owed isn't | 0:12:08 | 0:12:11 | |
difficult. | 0:12:11 | 0:12:13 | |
One and a half million money claims are made every year in | 0:12:13 | 0:12:16 | |
England and Wales, involving anything from faulty goods or poor | 0:12:16 | 0:12:19 | |
workmanship, to unpaid invoices. | 0:12:19 | 0:12:21 | |
Claims can be filed by post or online for a small fee. | 0:12:23 | 0:12:27 | |
Both parties in the case will be asked to submit evidence, and you | 0:12:27 | 0:12:31 | |
may have to attend a court hearing. If you're successful, | 0:12:31 | 0:12:34 | |
a County Court judgment, or CCJ, will be issued against the debtor. | 0:12:34 | 0:12:39 | |
And if they still don't pay, that's when you call the sheriffs. | 0:12:39 | 0:12:42 | |
In the capital, Lawrence and Kev are slogging through the mid-morning | 0:12:47 | 0:12:50 | |
traffic on their way to collect another unpaid debt. | 0:12:50 | 0:12:54 | |
We're in central London actually, just near Earls Court. | 0:12:54 | 0:12:57 | |
We're going to Berkeley Credit & Guarantee Limited. | 0:12:57 | 0:13:00 | |
I think it's some sort of finance company. | 0:13:00 | 0:13:03 | |
They owe £16,251. | 0:13:03 | 0:13:07 | |
Berkeley Credit & Guarantee Limited was taken to court by their landlord | 0:13:11 | 0:13:14 | |
for unpaid rent. | 0:13:14 | 0:13:17 | |
The company defended the case in court, but lost and was ordered to | 0:13:17 | 0:13:21 | |
pay their debt plus costs. | 0:13:21 | 0:13:23 | |
Six months later, it still hasn't done so. | 0:13:23 | 0:13:26 | |
Now it's down to the sheriffs to collect. | 0:13:26 | 0:13:29 | |
It's tough one to call, this. | 0:13:29 | 0:13:30 | |
It's going to be an office, we're in the middle of London. | 0:13:30 | 0:13:32 | |
At a guess, you'd say they're not going to have too many assets. | 0:13:32 | 0:13:36 | |
It's quite a lot of money we're after as well, but... | 0:13:36 | 0:13:39 | |
ever hopeful. | 0:13:39 | 0:13:42 | |
There it is, there. | 0:13:42 | 0:13:43 | |
-Yeah. -It looks like one of these money express places. | 0:13:43 | 0:13:47 | |
Well, at least there should be some cash on site. | 0:13:47 | 0:13:50 | |
Whether it'll stretch to £16,000 is another matter. | 0:13:50 | 0:13:54 | |
The sheriffs are about to find out. | 0:13:54 | 0:13:56 | |
Morning, I'm looking for Berkeley Credit & Guarantee Limited. | 0:14:05 | 0:14:08 | |
Berkeley Credit & Guarantee Limited. | 0:14:10 | 0:14:12 | |
Bizarrely, despite branding everywhere which suggests they're in the right | 0:14:12 | 0:14:16 | |
place, the cashier says that's not who he works for. | 0:14:16 | 0:14:20 | |
Is there anyone here from them, then? | 0:14:20 | 0:14:22 | |
No? This is their registered office. | 0:14:22 | 0:14:25 | |
The man thinks it isn't, so Lawrence sets him straight. | 0:14:25 | 0:14:28 | |
There you are, it says so on this door. | 0:14:28 | 0:14:30 | |
It says there on the door. | 0:14:30 | 0:14:32 | |
It does. | 0:14:33 | 0:14:35 | |
So, have you got contact with them upstairs? | 0:14:35 | 0:14:37 | |
There's no buzzer, no intercom? | 0:14:37 | 0:14:39 | |
LOUD KNOCKING | 0:14:39 | 0:14:42 | |
The cashier doesn't seem to know very much, but there is one thing he's sure of. | 0:14:42 | 0:14:47 | |
-There's no-one there? -There's nobody there. | 0:14:47 | 0:14:49 | |
How do you know? You've never seen it open. | 0:14:49 | 0:14:52 | |
What time do you get here in the morning? | 0:14:52 | 0:14:55 | |
9:30, yeah. What time do you leave? | 0:14:55 | 0:14:58 | |
5:30. And you've never seen anybody come in or out the door? | 0:14:58 | 0:15:01 | |
They are getting some answers at last, even if they're not very useful. | 0:15:01 | 0:15:06 | |
Lawrence tries a different tack. | 0:15:06 | 0:15:08 | |
I've got a number on the file... | 0:15:08 | 0:15:10 | |
..so I'm going to give it a ring. | 0:15:11 | 0:15:14 | |
See if it goes through to them. | 0:15:14 | 0:15:16 | |
But that doesn't get him anywhere either. | 0:15:16 | 0:15:19 | |
Sounds like it's a non-existent number. | 0:15:19 | 0:15:22 | |
Do you want to just go and ask them next-door for us, mate? | 0:15:22 | 0:15:24 | |
No, it's not looking good at the moment. | 0:15:26 | 0:15:28 | |
This chap says he's only been here two months, | 0:15:28 | 0:15:30 | |
but in all that time, he's never seen anybody in or out of the offices. | 0:15:30 | 0:15:33 | |
I don't want to go through the rigmarole at the moment of calling | 0:15:33 | 0:15:36 | |
out a locksmith and potentially forcing entry without making contact. | 0:15:36 | 0:15:41 | |
As you look through the door, you can just see a mop and a bucket, | 0:15:41 | 0:15:44 | |
and I very much doubt we'd actually find anything here. | 0:15:44 | 0:15:46 | |
So if Kev comes back with a negative as well, I'll just leave paperwork, | 0:15:46 | 0:15:49 | |
I'll just slide it under the door and we'll see what happens. | 0:15:49 | 0:15:53 | |
But in fact, Kev comes back with a new lead. | 0:15:53 | 0:15:57 | |
Give this number a ring, Lawrence. | 0:15:57 | 0:15:59 | |
-Oh, you've got another number. -Yeah. | 0:15:59 | 0:16:01 | |
This woman should be something to do with them, apparently. | 0:16:01 | 0:16:04 | |
Hello there. My name's Mr Grix, I'm an enforcement agent. | 0:16:06 | 0:16:08 | |
I'm looking for Berkeley Credit & Guarantee Limited. | 0:16:08 | 0:16:11 | |
I've been told, been given your number. | 0:16:11 | 0:16:13 | |
He is indeed through to someone who works for the debtor. | 0:16:14 | 0:16:17 | |
So, what are you to do with the company? | 0:16:17 | 0:16:21 | |
You're an administrator. | 0:16:21 | 0:16:22 | |
Right, well, I'm basically here with a High Court writ, | 0:16:22 | 0:16:26 | |
which orders me to take control of the goods of the company which can | 0:16:26 | 0:16:29 | |
be sold at auction to clear a debt. | 0:16:29 | 0:16:30 | |
The total outstanding at the moment is £16,251.96. | 0:16:32 | 0:16:38 | |
And as this is commercial premises, | 0:16:38 | 0:16:40 | |
I can force entry with a locksmith if necessary... | 0:16:40 | 0:16:43 | |
..to search for company assets and remove them. | 0:16:44 | 0:16:47 | |
The administrator says she'll need to talk to someone else, so Lawrence | 0:16:47 | 0:16:51 | |
makes sure she understands the urgency of the situation. | 0:16:51 | 0:16:54 | |
They need to ring me back within the next ten minutes or I'll be getting | 0:16:54 | 0:16:57 | |
a locksmith and forcing entry. | 0:16:57 | 0:16:59 | |
It seems to do the trick. | 0:16:59 | 0:17:01 | |
Yeah, if somebody wants to come here and pay in cash, yes, that's fine. | 0:17:01 | 0:17:04 | |
Right, bye-bye. | 0:17:06 | 0:17:07 | |
She's asked for half an hour to get it sorted. | 0:17:09 | 0:17:11 | |
So, who knows? | 0:17:13 | 0:17:14 | |
From what had seemed like a bit of a dead-end, | 0:17:16 | 0:17:18 | |
suddenly this job's looking up. | 0:17:18 | 0:17:20 | |
A few minutes later, the cashier beckons Lawrence over. | 0:17:20 | 0:17:24 | |
A call from head office and... | 0:17:24 | 0:17:28 | |
have your number, please? | 0:17:28 | 0:17:30 | |
Who's head office is this, yours? | 0:17:30 | 0:17:32 | |
Or the company I'm looking for? | 0:17:32 | 0:17:35 | |
Once again, communication is difficult. | 0:17:35 | 0:17:39 | |
Oh, whatever. I don't know why you don't speak into that microphone, I might be able to hear you. | 0:17:39 | 0:17:42 | |
One way or another, though, head office does get through. | 0:17:42 | 0:17:46 | |
MOBILE RINGS | 0:17:46 | 0:17:48 | |
Hello, Mr Grix speaking. | 0:17:48 | 0:17:50 | |
Hello there. No, it needs to be full payment, | 0:17:52 | 0:17:55 | |
I can't believe that a company such as yourselves can't rustle up £16,000, | 0:17:55 | 0:17:58 | |
to be honest. | 0:17:58 | 0:18:00 | |
Well, you had a turnover, last time you submitted books, of £1.8 million. | 0:18:01 | 0:18:05 | |
So I can't believe that you can't come up with £16,000. | 0:18:06 | 0:18:09 | |
I know what you're saying, it's short notice, but it's not short notice | 0:18:09 | 0:18:12 | |
because it's been all through the County Court. | 0:18:12 | 0:18:15 | |
We've sent a notice of enforcement, there's been plenty of paperwork to do with this, but somebody's either | 0:18:15 | 0:18:19 | |
ignored it or buried their heads in the sand and it's now crunch day. | 0:18:19 | 0:18:25 | |
OK. | 0:18:25 | 0:18:26 | |
Bye-bye. | 0:18:26 | 0:18:28 | |
She's spoken to somebody and they can pay half the money now | 0:18:30 | 0:18:33 | |
and the balance on Friday. | 0:18:33 | 0:18:35 | |
But at the moment, I've said no to that because they've managed to come | 0:18:35 | 0:18:38 | |
up with half the money very, very quickly, | 0:18:38 | 0:18:41 | |
so I don't see how a company with that sort of turnover could fail to | 0:18:41 | 0:18:45 | |
come up with £16,000. | 0:18:45 | 0:18:47 | |
So I'm playing hardball at the moment, I've said no, | 0:18:47 | 0:18:50 | |
and we'll see what she comes back with in half an hour. | 0:18:50 | 0:18:53 | |
In fact, he only has to wait a few minutes for an improved offer. | 0:18:53 | 0:18:57 | |
MOBILE RINGS | 0:18:57 | 0:18:59 | |
Hello, Mr Grix speaking. | 0:18:59 | 0:19:00 | |
It's not for the full amount, but it's enough. | 0:19:02 | 0:19:04 | |
Yeah, if you make that by immediate payment and just give me a buzz when | 0:19:04 | 0:19:08 | |
it's done. And providing the balance hits the account by close of | 0:19:08 | 0:19:11 | |
business Friday, then that will be the matter dealt with. | 0:19:11 | 0:19:13 | |
OK, thanks. Bye-bye. | 0:19:15 | 0:19:16 | |
They're going to make £10,000 payment in the next couple of minutes | 0:19:19 | 0:19:22 | |
and then the balance on Friday. | 0:19:22 | 0:19:24 | |
It's Wednesday, so I can live with that. | 0:19:24 | 0:19:26 | |
Lawrence soon gets confirmation that the first payment's been made... | 0:19:27 | 0:19:30 | |
-£10,000 is in. -..leaves a receipt... | 0:19:30 | 0:19:33 | |
They know I'm leaving it with you. | 0:19:33 | 0:19:35 | |
I'm presuming somebody will come and collect it at some point. | 0:19:35 | 0:19:37 | |
..and is on his way, pleasantly surprised. | 0:19:37 | 0:19:40 | |
They offered half the debt initially. | 0:19:40 | 0:19:42 | |
I insisted on full payment. | 0:19:42 | 0:19:45 | |
They came back sort of ten minutes later with an offer of £10,000 and, | 0:19:45 | 0:19:49 | |
really, in the situation where I hadn't even got into the office, and | 0:19:49 | 0:19:53 | |
it looks like they don't even use the office, | 0:19:53 | 0:19:55 | |
so I'd have to use locksmiths to get in, | 0:19:55 | 0:19:58 | |
I think that's a pretty good result, really. | 0:19:58 | 0:20:00 | |
So, £10,000 today by a transfer, | 0:20:00 | 0:20:02 | |
which they did very quickly, and I've no doubt that the other just | 0:20:02 | 0:20:06 | |
over £6,000 will be transferred in on Friday. | 0:20:06 | 0:20:09 | |
Berkeley Credit & Guarantee Limited later made the second payment, | 0:20:09 | 0:20:13 | |
and their landlord finally got the money they were owed. | 0:20:13 | 0:20:16 | |
In the north-west, | 0:20:20 | 0:20:22 | |
sheriff Alan Pennington is on his way to enforce a debt against a | 0:20:22 | 0:20:25 | |
manufacturing business. | 0:20:25 | 0:20:27 | |
We're off to Oldham today in this miserable, wonderful, wet weather. | 0:20:27 | 0:20:31 | |
We're going to Oldham Precision. | 0:20:31 | 0:20:33 | |
It's only a small bill, it's only about £1,800. | 0:20:33 | 0:20:36 | |
Oldham Precision Limited has been taken to court by a supplier over an | 0:20:36 | 0:20:41 | |
unpaid invoice. | 0:20:41 | 0:20:42 | |
The company didn't defend the case in court and a judgment was issued | 0:20:42 | 0:20:46 | |
by default. They now over £1,803. | 0:20:46 | 0:20:50 | |
Alan is hoping that getting paid is going to be just a formality. | 0:20:55 | 0:20:59 | |
It sounds like the company do know about the debt that's | 0:20:59 | 0:21:03 | |
still outstanding, so I'm going to discuss it with them shortly. | 0:21:03 | 0:21:06 | |
We're only around the corner and we'll get this paid for the client and move on. | 0:21:06 | 0:21:10 | |
The business is on an industrial estate. | 0:21:12 | 0:21:15 | |
-Closed. -The shutters are down. | 0:21:15 | 0:21:18 | |
-Is that a door? -But Alan spies a side door. | 0:21:18 | 0:21:21 | |
Hello, sir. Is there anyone I can speak to? | 0:21:27 | 0:21:29 | |
-I don't know, I just do deliveries. -All right, is there an office here? | 0:21:29 | 0:21:33 | |
There is, and Alan is shown the way in to meet a manager. | 0:21:33 | 0:21:36 | |
-Hello. -Hi. -I'm an enforcement agent. | 0:21:39 | 0:21:42 | |
-Right. -With a High Court writ for yourselves, Oldham Precision. | 0:21:42 | 0:21:46 | |
What for? | 0:21:46 | 0:21:47 | |
Alan explains the details of the writ, | 0:21:47 | 0:21:50 | |
but the woman's response isn't what he's expecting. | 0:21:50 | 0:21:53 | |
-I phoned up and paid it on the phone the other day. -To who? | 0:21:53 | 0:21:56 | |
-They gave me a sort code and account number, I had to do it on the phone. -Who did? | 0:21:56 | 0:21:59 | |
-When I phoned the... -The Sheriffs Office? -In the Sheriffs Office. | 0:21:59 | 0:22:02 | |
I paid about £1,300. | 0:22:02 | 0:22:04 | |
Alan checks his file again, but there's no record of any payment and | 0:22:04 | 0:22:09 | |
the figure the woman says she's paid doesn't match the writ. | 0:22:09 | 0:22:13 | |
Alan calls his office and gets them to check the bank account. | 0:22:13 | 0:22:17 | |
It's not there? | 0:22:17 | 0:22:18 | |
Nothing in the bank? | 0:22:20 | 0:22:22 | |
-Is there any way you can go and have a look for us to give us proof? -Yeah. | 0:22:22 | 0:22:25 | |
-How you paid it. -Do you want me to print, like, a bank statement? | 0:22:25 | 0:22:27 | |
-Whatever you've got. -Yeah, give me two minutes. -Yeah, that's fine. | 0:22:27 | 0:22:30 | |
The woman soon returns - and sure enough, she has the bank statement as promised. | 0:22:33 | 0:22:38 | |
-There. -What have you got there? -It was on the 18th, bank statement, | 0:22:38 | 0:22:41 | |
High Court Sheriff, £1,354.07. | 0:22:41 | 0:22:44 | |
The statement does indeed show a payment made three days ago, marked | 0:22:47 | 0:22:52 | |
-as High Court Sheriffs. -When was the 18th, is that Thursday, Thursday, Friday? | 0:22:52 | 0:22:55 | |
It might not clear until tomorrow morning. When you pay someone for the first time, it is three days. | 0:22:55 | 0:23:00 | |
In fact, bank payments usually go through within a matter of minutes, | 0:23:00 | 0:23:04 | |
and most are guaranteed to be processed within two hours. | 0:23:04 | 0:23:07 | |
Yet for some reason, | 0:23:07 | 0:23:08 | |
the woman's money hasn't arrived, and so as far as the law's concerned, | 0:23:08 | 0:23:13 | |
the writ still needs paying. | 0:23:13 | 0:23:14 | |
What you'll need to do to satisfy this judgment for us today, because | 0:23:14 | 0:23:18 | |
that money you've paid hasn't hit our account, is you'll need to pay that by card to | 0:23:18 | 0:23:22 | |
me today with the machine, and then that money there that's gone in, | 0:23:22 | 0:23:25 | |
if it's in the bank tomorrow or Wednesday, whenever it is, | 0:23:25 | 0:23:27 | |
-you'll be refunded. -Can we not pay the difference? | 0:23:27 | 0:23:29 | |
No, because it's not in our account yet. | 0:23:29 | 0:23:31 | |
We've already checked the bank. | 0:23:31 | 0:23:33 | |
-Right. -My manager's just checked the bank, it's not there. | 0:23:33 | 0:23:36 | |
It's a bitter pill to swallow because, as far as the woman is concerned, | 0:23:36 | 0:23:40 | |
the company doesn't even owe this debt in the first place. | 0:23:40 | 0:23:43 | |
It's come from a company who did some work for us and invoiced us twice, | 0:23:43 | 0:23:47 | |
so the original amount was paid and this is a debt that has already been | 0:23:47 | 0:23:51 | |
paid, but they've invoiced twice. | 0:23:51 | 0:23:53 | |
However, the time to make their case has passed. | 0:23:53 | 0:23:57 | |
As Oldham Precision Limited didn't defend the claim in court, | 0:23:57 | 0:24:00 | |
their supplier has obtained a CCJ and is legally entitled to the money. | 0:24:00 | 0:24:05 | |
Despite her reservations, | 0:24:05 | 0:24:07 | |
the woman agrees to make another payment without argument and Alan | 0:24:07 | 0:24:11 | |
leaves with the debt paid in full. | 0:24:11 | 0:24:13 | |
-All right, thanks very much, Emma. -Right, thank you so much. -OK, bye, love. | 0:24:13 | 0:24:17 | |
Oh! | 0:24:19 | 0:24:21 | |
We're satisfied the full judgment today of £1,800, and the | 0:24:24 | 0:24:27 | |
money that they paid last week, when it reaches our account, will be | 0:24:27 | 0:24:31 | |
refunded back to them. | 0:24:31 | 0:24:33 | |
Very co-operative, no problems and the client will be paid in full. | 0:24:33 | 0:24:37 | |
In fact, the money the woman thought she'd previously paid the | 0:24:38 | 0:24:42 | |
Sheriffs Office never turned up. | 0:24:42 | 0:24:44 | |
However, the company had a number of other outstanding CCJs and it's | 0:24:44 | 0:24:48 | |
possible the payment was made towards a different debt. | 0:24:48 | 0:24:52 | |
Oldham Precision Limited has since gone into administration. | 0:24:52 | 0:24:56 | |
In Birmingham, Craig's chasing more than £6,000 at a garage. | 0:25:05 | 0:25:09 | |
A customer, Rob Gallon, put his car in for repair but never got it back. | 0:25:09 | 0:25:13 | |
When he first arrived, Craig thought he had confirmed that the man he's | 0:25:13 | 0:25:17 | |
looking for is in charge here. | 0:25:17 | 0:25:19 | |
Is the boss about? | 0:25:19 | 0:25:20 | |
Is it a Nitin Kareer or something? | 0:25:21 | 0:25:23 | |
-Come inside. -Yeah, yeah. | 0:25:25 | 0:25:26 | |
But this man has since arrived, saying he's the boss and he's | 0:25:26 | 0:25:30 | |
called Mr Ali. | 0:25:30 | 0:25:32 | |
I have overtook from Nitin and we are just going to do parts. | 0:25:32 | 0:25:37 | |
And now someone else is on the phone. | 0:25:37 | 0:25:40 | |
-Is that Nitin? -It's Ash. | 0:25:40 | 0:25:43 | |
This is Ash. | 0:25:43 | 0:25:44 | |
Hello, Ash. You're taking over the premises, yeah, to sell parts? | 0:25:44 | 0:25:48 | |
Ash says he's Nitin's cousin and, along with Mr Ali, took over the | 0:25:49 | 0:25:54 | |
business six months ago. | 0:25:54 | 0:25:55 | |
But as Craig flicks through the paperwork on the desk, | 0:25:56 | 0:25:59 | |
he finds Nitin Kareer's name is all over it. | 0:25:59 | 0:26:03 | |
-Those are old letters? -Old letters? -Yeah, old letters, they're old letters. | 0:26:03 | 0:26:07 | |
-How many other letters have they got? -They are old letters. | 0:26:07 | 0:26:09 | |
We haven't got any letters coming in. | 0:26:09 | 0:26:11 | |
-That's for the water. -That's old. | 0:26:11 | 0:26:14 | |
It's for the water, isn't it? | 0:26:14 | 0:26:16 | |
Their story isn't adding up. | 0:26:16 | 0:26:18 | |
Everything I'm looking at now at the moment is obviously | 0:26:20 | 0:26:23 | |
your cousin's details on it. | 0:26:23 | 0:26:25 | |
I know, I appreciate you're saying he's not, but if you're going to | 0:26:26 | 0:26:29 | |
take over a premises, you'd change the water, you'd change the gas, | 0:26:29 | 0:26:32 | |
you'd change the electric as a matter of course, wouldn't you? | 0:26:32 | 0:26:35 | |
Ash, I'm looking at an invoice here, 27th of September, addressed to your cousin's company. | 0:26:35 | 0:26:41 | |
That isn't April, is it? You took over in April, | 0:26:41 | 0:26:44 | |
he shouldn't even be trading from here. Yet I've got invoices | 0:26:44 | 0:26:47 | |
proving that he's trading from here. | 0:26:47 | 0:26:49 | |
Although he still hasn't got any proof there are assets here in the | 0:26:49 | 0:26:53 | |
debtor's name personally, | 0:26:53 | 0:26:54 | |
he has at least got the people he's dealing with on the back foot. | 0:26:54 | 0:26:58 | |
Perhaps that'll be enough to ramp up the pressure and get a payment. | 0:26:58 | 0:27:02 | |
You need to get your cousin, | 0:27:02 | 0:27:04 | |
talk to me and then hopefully I can try and help him out. | 0:27:04 | 0:27:06 | |
I'll always try and help people out, | 0:27:06 | 0:27:08 | |
but what I don't like being is being mugged off. Do you know what I mean? | 0:27:08 | 0:27:12 | |
It appears without his right-hand man, Tommy, by his | 0:27:12 | 0:27:14 | |
side, Craig's taking on both roles of good cop and bad cop. | 0:27:14 | 0:27:19 | |
He's going to call me. | 0:27:20 | 0:27:21 | |
While Craig waits to finally hear from Mr Kareer, | 0:27:21 | 0:27:24 | |
he decides to do a bit more investigating. | 0:27:24 | 0:27:27 | |
I've got every legal right. | 0:27:29 | 0:27:30 | |
Legal rights for what? | 0:27:30 | 0:27:32 | |
-Diligent search, they call it. -No, you can't. -Yes, I can. | 0:27:32 | 0:27:35 | |
-No, you can't. -Yes, I can. -Can't. -Yes, I can. | 0:27:35 | 0:27:38 | |
Craig does have the law on his side, and any attempts to stop his | 0:27:38 | 0:27:42 | |
diligent search could quickly become a matter for the police. | 0:27:42 | 0:27:46 | |
Luckily, the situation calms down, | 0:27:46 | 0:27:49 | |
Mr Ali let's Craig carry on, before again handing him his phone. | 0:27:49 | 0:27:53 | |
Is he on the phone, is he? | 0:27:53 | 0:27:55 | |
But he is not the elusive Mr Kareer. | 0:27:55 | 0:27:58 | |
Once more, it's his cousin, Ash. | 0:27:58 | 0:28:01 | |
Hiya, Ash. | 0:28:01 | 0:28:03 | |
He's still saying the debt's got nothing to do with him and he doesn't want | 0:28:03 | 0:28:06 | |
to pay. | 0:28:06 | 0:28:08 | |
As I explained, Ash, and as I explained to your business partner here, Mr Ali, | 0:28:08 | 0:28:12 | |
I'm here with a court order for six grand, mate, and my job today is | 0:28:12 | 0:28:15 | |
to collect that money under the terms of the High Court writ of control. | 0:28:15 | 0:28:18 | |
Because money talks, that's the thing. | 0:28:18 | 0:28:20 | |
Finally, Craig's persuasive techniques land on target. | 0:28:20 | 0:28:24 | |
Perhaps realising that he isn't going to go away, | 0:28:24 | 0:28:27 | |
Ash says he owes his cousin some money. | 0:28:27 | 0:28:30 | |
He says he's willing to pay part of the debt for him and offers £1,000. | 0:28:30 | 0:28:35 | |
Yeah, I'll make a phone call first, yeah, and I'll come back to you. | 0:28:35 | 0:28:40 | |
If that's acceptable, then I'll leave a letter here for your cousin, | 0:28:40 | 0:28:44 | |
but he has to deal with it. This is a personal liability. | 0:28:44 | 0:28:47 | |
He needs to get in contact with our office and then he can sort an | 0:28:47 | 0:28:50 | |
arrangement out to pay the balance off over a period of time, if he can't pay it in one go. | 0:28:50 | 0:28:54 | |
Craig checks with his office, and the offer is accepted. | 0:28:54 | 0:28:58 | |
Mr Ali makes the payment on a card, and Craig issues a receipt, along | 0:28:58 | 0:29:03 | |
with the letter for Mr Kareer, asking him to contact the sheriffs | 0:29:03 | 0:29:06 | |
to pay the remainder of the debt. | 0:29:06 | 0:29:09 | |
-Thank you very much. -Sorry for your... -No problem at all. | 0:29:09 | 0:29:12 | |
It's not the perfect outcome, but given that neither the | 0:29:12 | 0:29:15 | |
debtor nor any sign of his assets were present, | 0:29:15 | 0:29:18 | |
Craig's satisfied he's done the best he can. | 0:29:18 | 0:29:21 | |
All in all, I think it's a good result for the claimant at the moment. | 0:29:21 | 0:29:24 | |
I never met the debtor, claims not to be trading from here at all. | 0:29:24 | 0:29:28 | |
Most of the assets there are in the limited company name, | 0:29:28 | 0:29:30 | |
not personal to our guy. | 0:29:30 | 0:29:33 | |
However, took the £1,000 and best result we could get out of that. | 0:29:33 | 0:29:37 | |
Back in Staffordshire, | 0:29:40 | 0:29:41 | |
Rob Gallon is disappointed that the sheriffs weren't able to recover the | 0:29:41 | 0:29:45 | |
full amount. But is at least glad to see things moving in the right direction. | 0:29:45 | 0:29:49 | |
It's something I've been fighting this guy for well over 12 months. | 0:29:49 | 0:29:54 | |
We have had some luck. | 0:29:54 | 0:29:55 | |
We've recovered £1,000, so we are getting somewhere with it. | 0:29:55 | 0:29:59 | |
Mr Kareer did subsequently make contact with the sheriffs and offer | 0:30:00 | 0:30:04 | |
to make payments of £40 a week to clear his debt. | 0:30:04 | 0:30:08 | |
However, Mr Gallon rejected this, | 0:30:08 | 0:30:11 | |
opting instead to hold out for a better offer or payment in full. | 0:30:11 | 0:30:15 | |
So far, the sheriffs haven't been able to recover any more of his money. | 0:30:15 | 0:30:19 | |
If you've won a County Court judgment and haven't been paid, | 0:30:21 | 0:30:24 | |
for £66, you can get the case transferred up to the High Court, | 0:30:24 | 0:30:28 | |
which will issue a writ for enforcement by the sheriffs. | 0:30:28 | 0:30:32 | |
My job is to collect in full or remove goods. | 0:30:32 | 0:30:36 | |
They've got special powers of entry. | 0:30:36 | 0:30:39 | |
We don't have to take any notice of your security protocol, I'm afraid. | 0:30:39 | 0:30:42 | |
And there's no limit on the size of the debts they can pursue. | 0:30:42 | 0:30:45 | |
£1.6 million. | 0:30:45 | 0:30:47 | |
If they're successful, they'll recover your money and costs from the debtor. | 0:30:48 | 0:30:53 | |
Have you got the cash now, then? | 0:30:53 | 0:30:54 | |
As well as their own fees, which are set by the government. | 0:30:54 | 0:30:57 | |
She's paid, the judgment is settled. | 0:30:57 | 0:30:59 | |
Thank you very much. | 0:30:59 | 0:31:01 | |
If the sheriffs can't get your money, | 0:31:01 | 0:31:03 | |
they'll ask you to pay a fee of £75 plus VAT. | 0:31:03 | 0:31:07 | |
It's 10:30 in the morning and enforcement agents Lawrence Grix and Kev McNally are | 0:31:12 | 0:31:18 | |
in West London. They're on their way to enforce an unpaid debt, | 0:31:18 | 0:31:21 | |
owed by a large international company. | 0:31:21 | 0:31:24 | |
We are in Brentford. | 0:31:24 | 0:31:27 | |
We're going to Pakistan International Airlines Corporation. | 0:31:27 | 0:31:30 | |
They owe us £1,088, this is relating to a delayed flight, | 0:31:32 | 0:31:37 | |
so it's compensation. | 0:31:37 | 0:31:39 | |
Since an EU ruling came into force in 2005, | 0:31:39 | 0:31:43 | |
flight delay compensation has provided a steady stream of work for | 0:31:43 | 0:31:47 | |
the sheriffs. Under the rules, | 0:31:47 | 0:31:49 | |
passengers on delayed flights in and out of the UK could be entitled to | 0:31:49 | 0:31:53 | |
compensation of up to 600 euros, and it's estimated around 900,000 | 0:31:53 | 0:31:59 | |
passengers are eligible every year. | 0:31:59 | 0:32:02 | |
But all too often, airlines are reluctant to pay out. | 0:32:02 | 0:32:05 | |
Nicholas Parkinson is the solicitor acting on behalf of today's claimant. | 0:32:05 | 0:32:10 | |
There are some airlines that are good at paying claims. | 0:32:10 | 0:32:12 | |
Unfortunately, with other airlines, it's very much the opposite. | 0:32:12 | 0:32:15 | |
They've been fighting these claims voraciously for several years. | 0:32:15 | 0:32:19 | |
They simply don't like the idea of paying people compensation. | 0:32:19 | 0:32:23 | |
That means many eligible passengers end up having to take the airlines | 0:32:23 | 0:32:27 | |
to court and ultimately engaging the sheriffs. | 0:32:27 | 0:32:31 | |
Lawrence and Kev's job today is on behalf of a Mr Uzman Rafique. | 0:32:31 | 0:32:36 | |
Mr Rafique and his family flew from London Heathrow to Lahore Airport in | 0:32:36 | 0:32:41 | |
Pakistan. Their flight was delayed by over five hours, so Mr Rafique | 0:32:41 | 0:32:46 | |
and his family were each entitled to 600 euros compensation. | 0:32:46 | 0:32:50 | |
Several letters were sent chasing for payments, | 0:32:50 | 0:32:54 | |
but, unfortunately, there was no response. | 0:32:54 | 0:32:56 | |
So the solicitors went to court and won a CCJ, | 0:32:56 | 0:33:00 | |
which still hasn't been paid. | 0:33:00 | 0:33:02 | |
Now it's down to Lawrence and Kev to get the £1,088 Mr Rafique's owed. | 0:33:02 | 0:33:07 | |
Kev is feeling confident. | 0:33:12 | 0:33:14 | |
We're heading to their offices now, and I can't see this being a problem. | 0:33:14 | 0:33:19 | |
20 minutes, paid,... | 0:33:20 | 0:33:22 | |
..out we go. | 0:33:24 | 0:33:25 | |
They locate the block where Pakistan International Airlines has its UK | 0:33:26 | 0:33:30 | |
office and head in. | 0:33:30 | 0:33:32 | |
Here we are, we're in anyway. | 0:33:33 | 0:33:35 | |
-All right, mate. -But their attempt to breeze past security doesn't go unnoticed. | 0:33:35 | 0:33:40 | |
-Go on, you go and sign in for us, then. -I'll sign in, yeah. | 0:33:42 | 0:33:45 | |
Are you going to come and open the door? | 0:33:46 | 0:33:49 | |
Our cameraman's also asked to leave. | 0:33:49 | 0:33:51 | |
Inside, the sheriffs show the airline their writ and demand payment. | 0:33:55 | 0:34:00 | |
Sadly, Kev's prediction of being out in 20 minutes doesn't come good. | 0:34:00 | 0:34:04 | |
But when he does make an appearance after half an hour, | 0:34:04 | 0:34:07 | |
it sounds like things are going more or less to plan. | 0:34:07 | 0:34:10 | |
Literally come to get the card machine, they're going to pay. | 0:34:10 | 0:34:13 | |
They're struggling to find the debt and the judgment, but they know they've got to | 0:34:13 | 0:34:16 | |
pay it, so... It's such a minimal amount, | 0:34:16 | 0:34:18 | |
they're going to get rid of us and pay that and then sort the details out later. | 0:34:18 | 0:34:23 | |
That is exactly what happens, and the sheriffs are soon heading back to the van. | 0:34:23 | 0:34:27 | |
That went as well as could be expected, really. | 0:34:28 | 0:34:30 | |
Payment in less than an hour, walked straight past the security guard, | 0:34:30 | 0:34:34 | |
who wasn't too happy and came and sort of chased us down. | 0:34:34 | 0:34:37 | |
So Kev had to go and sign us in, | 0:34:37 | 0:34:39 | |
but the airline company themselves just let me straight in. | 0:34:39 | 0:34:43 | |
They phoned up their boss, | 0:34:43 | 0:34:45 | |
who's not in the office today, and he got a bit shirty with me at one | 0:34:45 | 0:34:48 | |
point, "I haven't had this, I haven't had that," | 0:34:48 | 0:34:51 | |
But, basically, I talked him down and they paid on a card. | 0:34:51 | 0:34:54 | |
It's a scenario the sheriffs have seen time and time again. | 0:34:54 | 0:34:58 | |
After months of fighting or brushing off a compensation claim, | 0:34:58 | 0:35:02 | |
a brief visit by the sheriffs is suddenly enough to make them reach | 0:35:02 | 0:35:05 | |
for their wallets. After years of jobs like these, | 0:35:05 | 0:35:09 | |
Lawrence still can't get his head around it. | 0:35:09 | 0:35:11 | |
I don't know why, if they know that a flight's been delayed and, under | 0:35:11 | 0:35:17 | |
the legislation, they're obliged to pay compensation, | 0:35:17 | 0:35:20 | |
I don't know why they don't just pay it. | 0:35:20 | 0:35:23 | |
But they've paid now. | 0:35:23 | 0:35:24 | |
Mr Rafique has finally got the money he's legally entitled to. | 0:35:27 | 0:35:31 | |
His solicitor's delighted and hopes it sends out a clear message. | 0:35:31 | 0:35:35 | |
We were pleased that we got the result we needed for ourselves, | 0:35:35 | 0:35:38 | |
for our client and also to, you know, | 0:35:38 | 0:35:41 | |
set an example as such to the airline to let them know, you know, | 0:35:41 | 0:35:45 | |
there's nowhere to hide. | 0:35:45 | 0:35:46 | |
These are court orders, you must pay these, and hopefully in the future, | 0:35:46 | 0:35:51 | |
this won't be a repeat occurrence. | 0:35:51 | 0:35:53 | |
Enforcement agent Ken Warby is on the road and heading to Northampton. | 0:35:58 | 0:36:03 | |
Sheriffs can travel up to 3,000 miles every month in pursuit of | 0:36:03 | 0:36:07 | |
unpaid debts, and for this Londoner, today's job is taking him into unfamiliar territory. | 0:36:07 | 0:36:13 | |
I don't know Northampton well at all, | 0:36:13 | 0:36:15 | |
this is a rare job for me to come up here. | 0:36:15 | 0:36:17 | |
Though the footy mad sheriff has at least heard of the local team. | 0:36:17 | 0:36:21 | |
Called the Cobblers. They used to make shoes and stuff up here. | 0:36:21 | 0:36:25 | |
But it's unlikely such insights will help him with the task ahead, | 0:36:25 | 0:36:29 | |
collecting money owed to a decorator. | 0:36:29 | 0:36:31 | |
We're off to a place called PPS Shopfitters. | 0:36:32 | 0:36:36 | |
An individual has taken them to court as he was employed by the | 0:36:36 | 0:36:41 | |
debtor company. They had a signed ten-day contract | 0:36:41 | 0:36:45 | |
to carry out some work on site. | 0:36:45 | 0:36:47 | |
But the contract was broken when the decorator was told to leave after | 0:36:49 | 0:36:52 | |
seven days, and he was only paid for half of the job. | 0:36:52 | 0:36:56 | |
He took PPS Shopfitters Limited to court. | 0:36:56 | 0:36:59 | |
They didn't defend the case and judgment was issued by default. | 0:36:59 | 0:37:03 | |
The company now owes £3,347. | 0:37:03 | 0:37:08 | |
After a couple of wrong turns... | 0:37:11 | 0:37:13 | |
-End of the road. -..Ken finds the industrial estate. | 0:37:13 | 0:37:16 | |
Kings Thorpe Business Centre. | 0:37:16 | 0:37:19 | |
And the unit. | 0:37:19 | 0:37:20 | |
Oh, it's here, PPS Shopfitters, yeah. | 0:37:20 | 0:37:23 | |
It's open and it looks like there's someone there. | 0:37:23 | 0:37:27 | |
Ken heads in and make himself known. | 0:37:27 | 0:37:29 | |
Hello, yeah, I'm looking for the person in charge, please. | 0:37:31 | 0:37:35 | |
He's not in? Oh. | 0:37:37 | 0:37:40 | |
The boss is apparently an hour's drive away on a site visit. | 0:37:40 | 0:37:43 | |
I'm from the courts, there's my ID. | 0:37:43 | 0:37:46 | |
Is there any chance you can get him on the phone, | 0:37:46 | 0:37:47 | |
-it's quite important? -Ken is hoping that the mention of the courts | 0:37:47 | 0:37:50 | |
will make it clear his visit is urgent. | 0:37:50 | 0:37:52 | |
But it seems like the message hasn't sunk in. | 0:37:52 | 0:37:56 | |
No, no, we don't make appointments. | 0:37:58 | 0:38:01 | |
While the man tries to reach his boss by phone, | 0:38:01 | 0:38:04 | |
Ken decides it's time to size up the assets. | 0:38:04 | 0:38:08 | |
We've got machinery, but it's big machinery, and then raw materials. | 0:38:08 | 0:38:13 | |
Wood, paint and some smaller hand tools as well. | 0:38:13 | 0:38:18 | |
But the most promising and easily removable asset is out front. | 0:38:19 | 0:38:23 | |
It's a van emblazoned with the company logo, | 0:38:23 | 0:38:26 | |
which might belong to the business. | 0:38:26 | 0:38:28 | |
Ken puts a call into his office. | 0:38:28 | 0:38:30 | |
Could you do me an HPI check on a sign written van, please? | 0:38:30 | 0:38:35 | |
The HPI check won't confirm the company owns it, | 0:38:35 | 0:38:38 | |
but it will reveal whether it's free of finance and therefore could be | 0:38:38 | 0:38:42 | |
removed if necessary. And it is. | 0:38:42 | 0:38:45 | |
It's only a couple of years old and it is signed, written with | 0:38:45 | 0:38:48 | |
the debtor's name on it, so should we not get anywhere on the phone, | 0:38:48 | 0:38:51 | |
that could be a bit of leverage in getting our money back. | 0:38:51 | 0:38:55 | |
I've got a clamp in the car, so we'll just wait and see. | 0:38:56 | 0:38:59 | |
Meanwhile, a staff member's managed to reach the boss, Paul Houston. | 0:38:59 | 0:39:03 | |
Thank you. Hello, is that Paul? | 0:39:03 | 0:39:05 | |
Hello, my name's Ken Warby, I'm from... | 0:39:05 | 0:39:08 | |
Ken explains he's here for the decorator's money. | 0:39:08 | 0:39:10 | |
He's got a judgment against you, as I'm sure you're aware. | 0:39:10 | 0:39:14 | |
-Oh, he hasn't? -Mr Houston seems to have a different understanding of | 0:39:14 | 0:39:18 | |
the situation. | 0:39:18 | 0:39:19 | |
He wants you to get something for him. Cheers. | 0:39:22 | 0:39:24 | |
He's got one of his work colleagues here to get some paperwork, | 0:39:24 | 0:39:27 | |
apparently suggesting why we shouldn't be here, so that's interesting. | 0:39:27 | 0:39:31 | |
Thanks, mate, ta. | 0:39:34 | 0:39:35 | |
But what the paperwork shows is exactly what Ken suspected it might. | 0:39:38 | 0:39:42 | |
Can I speak to him again? Thank you. | 0:39:42 | 0:39:44 | |
Hello, Paul. | 0:39:46 | 0:39:48 | |
I can see what you've got here. | 0:39:48 | 0:39:50 | |
What you've got is, you've got an application to get the judgment set aside. | 0:39:50 | 0:39:53 | |
You've got a court date to appeal. | 0:39:53 | 0:39:55 | |
Unfortunately, that's not enough. | 0:39:55 | 0:39:58 | |
Mr Houston doesn't agree. | 0:39:58 | 0:40:00 | |
He says the court's got it wrong and doesn't think he should have to pay | 0:40:00 | 0:40:03 | |
anything until the case is re-heard. | 0:40:03 | 0:40:06 | |
Only that's not how the law works. | 0:40:06 | 0:40:08 | |
What you've got is literally what it says on the can. | 0:40:08 | 0:40:12 | |
You've got an application to set the judgment aside and it doesn't trump | 0:40:12 | 0:40:17 | |
this, unfortunately. If you consider this a game of poker, | 0:40:17 | 0:40:21 | |
this person is holding all the aces because they've got a court judgment | 0:40:21 | 0:40:24 | |
against PPS. | 0:40:24 | 0:40:26 | |
Mr Houston doesn't like what he's hearing, | 0:40:26 | 0:40:28 | |
so Ken tries to make him see it's in his best interests to pay. | 0:40:28 | 0:40:32 | |
I'll give you an option and you can decide whether or not you're going | 0:40:32 | 0:40:35 | |
to take it, OK? | 0:40:35 | 0:40:37 | |
The total cost is £3,347.11. | 0:40:37 | 0:40:42 | |
Now, the only way this is going to change is if you refuse to pay, | 0:40:42 | 0:40:48 | |
because I then have to call up a removal van to remove goods and it all gets | 0:40:48 | 0:40:52 | |
really messy. I would get it paid for now, because if you pay it, | 0:40:52 | 0:40:57 | |
we can't do anything with the money for 14 days, we hold on to it. | 0:40:57 | 0:41:01 | |
In that 14 days, | 0:41:01 | 0:41:02 | |
what I would suggest you do is do your utmost in order to dispute it. | 0:41:02 | 0:41:07 | |
If he isn't paid, Ken will be forced to remove goods. | 0:41:07 | 0:41:11 | |
But Mr Houston's taking some convincing. | 0:41:11 | 0:41:14 | |
I can't give you legal advice, sir, I'm not allowed to. | 0:41:14 | 0:41:16 | |
But if in that 14 days you dispute it, you dispute it correctly, | 0:41:16 | 0:41:20 | |
then obviously you have to be given that money back. | 0:41:20 | 0:41:23 | |
Finally, after ten minutes on the phone, | 0:41:24 | 0:41:26 | |
Mr Houston backs down and authorises a staff member to pay with a card. | 0:41:26 | 0:41:31 | |
But just when it looks like the job's in the bag, there's a hitch. | 0:41:31 | 0:41:35 | |
I've been up in the office trying to get some cards to go through a | 0:41:35 | 0:41:38 | |
payment line and they've failed. | 0:41:38 | 0:41:42 | |
The boss himself is now on his way back. | 0:41:42 | 0:41:45 | |
Until he arrives, | 0:41:45 | 0:41:46 | |
all Ken can do is wait and contemplate whether he'd make a good shop fitter. | 0:41:46 | 0:41:51 | |
I can cut a piece of wood. | 0:41:51 | 0:41:53 | |
I can cut a piece of metal, so, yeah. | 0:41:53 | 0:41:56 | |
Just as Ken's mulling over an alternative career, Mr Houston arrives. | 0:41:56 | 0:42:00 | |
Hello, I'm Ken, I spoke to you on the phone. | 0:42:00 | 0:42:02 | |
As all the bank cards in the office have already been declined, | 0:42:04 | 0:42:07 | |
hopes are resting on the boss being able to access some funds. | 0:42:07 | 0:42:11 | |
Luckily, he is. | 0:42:14 | 0:42:16 | |
I've tried several cards before he turned up. | 0:42:16 | 0:42:18 | |
His one worked, and he's just paid £3,347. | 0:42:19 | 0:42:24 | |
He is, however, going to contest it because he just feels that he | 0:42:24 | 0:42:28 | |
shouldn't have to pay this money, according to him. | 0:42:28 | 0:42:31 | |
But we've got the money, we've got what we come for, and job done. | 0:42:31 | 0:42:36 | |
PPS Shopfitters Limited subsequently withdrew its application to appeal | 0:42:38 | 0:42:43 | |
the case and the decorator finally got paid what he was owed. | 0:42:43 | 0:42:47 |