Episode 6 The Sheriffs Are Coming


Episode 6

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Transcript


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-Meet the sheriffs.

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

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It's to do with a High Court order.

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They work for the High Court.

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And if it says you're owed money, it's their job to go and get it.

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I'm here for £6,072.18.

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They can demand payment on the spot...

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I'm here for the full balance.

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-How're you going to pay it?

-..or remove assets instead.

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The car will be going unless you can pay it.

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

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Obstructing their work can be a criminal offence.

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I wouldn't do that if I were you.

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The door needs to stay open.

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Every year in England and Wales,

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unpaid debts totalling more than £80 million are recovered by the sheriffs.

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Coming up - Rob Gallon took his car in for a repair and hasn't seen it since.

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The car's very important.

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It's a big part of my life, it's a hell of a big part of my life.

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He's now owed thousands of pounds.

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But will the sheriffs be able to get it?

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-Can you keep it shut, please?

-I've got every legal right.

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-Diligent search, they call it.

-No, you can't.

-Yes, I can.

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Lawrence puts the squeeze on a finance company which hasn't paid its rent.

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You had a turnover, last time you submitted books of 1.8 million,

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so I can't believe that you can't come up with £16,000.

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An airline hasn't paid compensation it owes to a passenger.

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His family were each entitled to 600 euros but, unfortunately, there was

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no response.

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Now the sheriffs are on the case.

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Are you going to come and open the door?

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And Ken tells a shop fitters it's time to pay.

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If you consider this a game of poker, this person is holding all the aces.

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Today, sheriff Craig Wild is flying solo without his trusted partner,

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Tommy Coyle. He's going to visit the director of a car garage,

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specialising in engine refurbishments.

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We're off to go and see Nitin Kareer

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in the centre of Birmingham. It's to do with a car, just over £6,000.

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It all stems from a dispute over the repair of a 4x4, a Mitsubishi L200

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owned by Rob Gallon, who needs an off-road vehicle for work.

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Good boy. We install water mains and water services,

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it's a family-run business

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and it does require going off onto sites where I have to go off road,

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across fields. My personal life, I do some shooting,

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so the Mitsubishi L200 was absolutely perfect.

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But when the turbo failed, causing piston damage,

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Rob decided to get the engine replaced and started looking for a garage to

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-do the work.

-Quality Engine Services from Birmingham,

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sounded like a company that knew what they were doing.

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I did explain to the guy that I would prefer another engine in the

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car and not to rebuild the one that I've got.

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And he convinced me that he was the one to put this car right.

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The man he dealt with called himself Nick.

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A week later, the repair was complete and Rob went to take a look.

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Started it up and it didn't sound right.

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And he said, "Oh, it just needs running in."

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Anyway, I drove the car home down the motorway,

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half a mile away from home it broke down and spilt all the oil all over the road.

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After handing over £2,000, Rob wasn't best pleased,

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especially when he inspected the engine and found it was still the

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same one. Nick was apologetic and took the car back for a second time.

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The car, again, was supposed to be in the garage for no more than seven days.

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I contacted Nick after nine days and he said they were having a few

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problems with a few of the belts and the auxiliaries,

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it should be ready for the weekend.

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I rang again at the weekend and it was Monday it was going to be finished,

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and then I rang on Monday and it would be Wednesday, and it just continued

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on and on and on.

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For weeks, Rob chased it up, but still no car.

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He told me that he wasn't the big boss,

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that he'd have to speak to the big boss to get things sorted.

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He gave me three different names, with three different numbers,

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which, speaking to him on the phone, I know is the same guy,

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I know it's this Nick.

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But some of Nick's reasons for the delay were difficult to

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argue with.

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He can't do anything for me at the minute because his wife had

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died over the last two weeks and that's why the car hadn't been

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delivered back.

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So Rob gave him some time.

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But as weeks became months,

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he got increasingly worried he was never going to get the car back.

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And it wasn't just about the money. It also had sentimental value.

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I owned a Mitsubishi L200 prior to this one that I had

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an accident in, in 2008, and it saved my life.

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If I was in any other vehicle, I wouldn't be here today.

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And I didn't drive from 2008 to 2012,

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and my wife went and bought me this L200 to get me back out on the road,

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get me driving again. So the car is very important.

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It's a big part of my life, it's a hell of a big part of my life.

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That was the vehicle that got me back on track,

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it started getting our life back together.

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As Rob's hopes of ever seeing his beloved car again faded,

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he began to get desperate.

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I contacted Staffordshire Police and West Midlands Police a number of

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times to see if they would accompany me to the garage in Birmingham,

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so as I could recover my vehicle.

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At this point I was told by the police there was nothing they can do

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because this is a civil matter,

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and unless Nick hands over the keys to that

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car, I legally cannot take that car out of that garage, or else I'll be

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charged with theft.

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Eventually, the garage offered to sell his car on and Rob reluctantly agreed,

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thinking it was the only way out.

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But he never received any money,

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apart from a refund of the £2,000 he'd already spent on the repair.

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His bank statement revealed the money came from

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Rocco Motor Solutions Limited.

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Presuming this to be the company behind the trading name

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Quality Engine Services,

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Rob took its director, Nitin Kareer, to court for the value of the car.

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My initial thoughts were, "I can't wait to get this guy in court," but

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that never happened because he never responded to any letter or any

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correspondence from the courts at all.

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Rob was awarded a County Court judgment in his favour by default,

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and when Mr Kareer didn't pay it, put the matter in the hands of the sheriffs.

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They're most certainly my last hope.

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I don't think there's any other way that I can get this sorted.

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I don't know any other way that I can get it resolved.

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At the end of the day, you need back what's yours.

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I work hard to make that sort of money,

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it's not that I can just give it away.

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In Birmingham, Craig is approaching the garage.

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He's hopeful there'll be plenty of assets that can be removed if payment isn't forthcoming.

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There's going to be sort of other vehicles or,

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you know, lifts or mechanical tools of that nature.

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There it is, over there.

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Craig parks up opposite the premises and checks the paperwork.

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A potential pitfall catches his eye.

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The claimant has actually sued the actual individual, as opposed to a

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limited company, so if he does trade from here as a limited company,

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and he can provide evidence of that, then we're a bit stuffed.

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We'll go and find out now.

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There's no name above the door and no mention of Quality Engine Services.

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But that's no concern to Craig.

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There's only one name on his writ, a Mr Nitin Kareer,

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and that's who he needs to find.

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Hello. Is the boss about?

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Can he be contacted at all?

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Is it a Nitin Kareer or something?

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If you can get him on the phone, mate, I'll have a chat with him.

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I'm Mr Wild from the High Court.

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While the staff member goes off to phone the boss,

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Craig is pleased to have verification that this is indeed the

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-debtor's business.

-He's confirmed that our guy is the boss.

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It just depends what, who owns the assets here,

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whether it's him personally or whether it's a limited company.

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-We'll see how it goes.

-A few minutes later,

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the man returns and says the boss is on his way.

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-He's coming down.

-Oh, he's coming down.

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Yeah, yeah, absolutely, yeah, yeah.

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There's so far no indication of whether Mr Kareer is planning to

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pay, but if he isn't, then Craig's best hope of persuading him to do so

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will be threatening to remove his assets.

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The problem is, anything here owned by his company, rather than by him

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personally, would be off limits.

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So while he waits for him to arrive, Craig turns detective.

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I'm still going to try and look around the place,

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try and get some evidence that our guy, as an individual, trades from

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here, as opposed to his company.

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And it doesn't take long before he stumbles across something of interest.

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Not one, not two, not three,

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not four, not five, not six,

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but seven,

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seven penalty charge notices.

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The evidence seems to suggest the director is not keen to pay his debts.

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Worse still, as Craig carries on searching,

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he discovers exactly what he was afraid of.

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I've located some of the invoices that they used for recent sort of

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parts and it's all in the name of his limited company.

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So, unfortunately, it's looking like our

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guy trades under a limited company here, so not as an individual.

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It's bad news for Craig,

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as it looks like he'll need to persuade the debtor to pay up

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without having any leverage to negotiate with.

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Mr Kareer hasn't shown up yet either, and soon,

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one of the mechanics hands Craig a phone.

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Who's this? Nitin, yeah?

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Yash?

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I'm trying to get in contact with Nitin.

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It's an outstanding High Court writ.

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It's not Mr Kareer on the phone,

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so Craig can't go into the case details unless they are authorised

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by the defendant to do so.

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Craig emphasises that someone, preferably Mr Nitin,

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needs to come to the garage to sort it out.

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And soon, a man arrives.

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-Can you come outside?

-I'm not coming outside, I'm waiting here,

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-I'll have a discussion with you in the office, yeah.

-Yeah, come inside my office.

-Yeah, yeah.

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-What's up, mate?

-I don't know, mate. I'll find out.

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-And what relation are you to Nitin?

-I'm his friend.

-You're his friend?

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-Yeah.

-Right. My name's Mr Wild.

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Have you been sent down to sort this situation out?

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-Which situation?

-Well, the one they phoned you about.

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-What?

-I'm here under a High Court writ for a balance outstanding of £6,072.18.

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-The claimant is a Mr Robert Gallon.

-Oh, he's took us to court?

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-That's right.

-I don't know nothing about it.

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I have overtook from Nitin, and we are going to only just do parts,

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-we've got nothing else to do.

-Right.

-Or anything like that.

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Despite a staff member telling Craig that Nitin Kareer was the boss,

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this man is claiming he's in charge and Nitin no longer works here.

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If so, then Craig will have difficulty enforcing the debt.

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But later, he finds more clues which cast doubt on the man's story.

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I've got invoices proving that he's trading from here.

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I'll always try and help people out.

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But what I don't like being is being mugged off, do you know what I mean?

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Using the County Courts to try to recover money you're owed isn't

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difficult.

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One and a half million money claims are made every year in

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England and Wales, involving anything from faulty goods or poor

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workmanship, to unpaid invoices.

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

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Both parties in the case will be asked to submit evidence, and you

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may have to attend a court hearing. If you're successful,

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

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

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In the capital, Lawrence and Kev are slogging through the mid-morning

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traffic on their way to collect another unpaid debt.

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We're in central London actually, just near Earls Court.

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We're going to Berkeley Credit & Guarantee Limited.

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I think it's some sort of finance company.

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They owe £16,251.

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Berkeley Credit & Guarantee Limited was taken to court by their landlord

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for unpaid rent.

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The company defended the case in court, but lost and was ordered to

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pay their debt plus costs.

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Six months later, it still hasn't done so.

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Now it's down to the sheriffs to collect.

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It's tough one to call, this.

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It's going to be an office, we're in the middle of London.

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At a guess, you'd say they're not going to have too many assets.

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It's quite a lot of money we're after as well, but...

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ever hopeful.

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There it is, there.

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-Yeah.

-It looks like one of these money express places.

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Well, at least there should be some cash on site.

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Whether it'll stretch to £16,000 is another matter.

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The sheriffs are about to find out.

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Morning, I'm looking for Berkeley Credit & Guarantee Limited.

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Berkeley Credit & Guarantee Limited.

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Bizarrely, despite branding everywhere which suggests they're in the right

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place, the cashier says that's not who he works for.

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Is there anyone here from them, then?

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No? This is their registered office.

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The man thinks it isn't, so Lawrence sets him straight.

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There you are, it says so on this door.

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It says there on the door.

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It does.

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So, have you got contact with them upstairs?

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There's no buzzer, no intercom?

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LOUD KNOCKING

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The cashier doesn't seem to know very much, but there is one thing he's sure of.

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-There's no-one there?

-There's nobody there.

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How do you know? You've never seen it open.

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What time do you get here in the morning?

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9:30, yeah. What time do you leave?

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5:30. And you've never seen anybody come in or out the door?

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They are getting some answers at last, even if they're not very useful.

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Lawrence tries a different tack.

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I've got a number on the file...

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..so I'm going to give it a ring.

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See if it goes through to them.

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But that doesn't get him anywhere either.

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Sounds like it's a non-existent number.

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Do you want to just go and ask them next-door for us, mate?

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No, it's not looking good at the moment.

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This chap says he's only been here two months,

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but in all that time, he's never seen anybody in or out of the offices.

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I don't want to go through the rigmarole at the moment of calling

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out a locksmith and potentially forcing entry without making contact.

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As you look through the door, you can just see a mop and a bucket,

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and I very much doubt we'd actually find anything here.

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So if Kev comes back with a negative as well, I'll just leave paperwork,

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I'll just slide it under the door and we'll see what happens.

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But in fact, Kev comes back with a new lead.

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Give this number a ring, Lawrence.

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-Oh, you've got another number.

-Yeah.

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This woman should be something to do with them, apparently.

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

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I'm looking for Berkeley Credit & Guarantee Limited.

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I've been told, been given your number.

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He is indeed through to someone who works for the debtor.

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So, what are you to do with the company?

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You're an administrator.

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Right, well, I'm basically here with a High Court writ,

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which orders me to take control of the goods of the company which can

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be sold at auction to clear a debt.

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The total outstanding at the moment is £16,251.96.

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And as this is commercial premises,

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I can force entry with a locksmith if necessary...

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..to search for company assets and remove them.

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The administrator says she'll need to talk to someone else, so Lawrence

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makes sure she understands the urgency of the situation.

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They need to ring me back within the next ten minutes or I'll be getting

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a locksmith and forcing entry.

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It seems to do the trick.

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Yeah, if somebody wants to come here and pay in cash, yes, that's fine.

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Right, bye-bye.

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She's asked for half an hour to get it sorted.

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So, who knows?

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From what had seemed like a bit of a dead-end,

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suddenly this job's looking up.

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A few minutes later, the cashier beckons Lawrence over.

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A call from head office and...

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have your number, please?

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Who's head office is this, yours?

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Or the company I'm looking for?

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Once again, communication is difficult.

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Oh, whatever. I don't know why you don't speak into that microphone, I might be able to hear you.

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One way or another, though, head office does get through.

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MOBILE RINGS

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Hello, Mr Grix speaking.

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Hello there. No, it needs to be full payment,

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I can't believe that a company such as yourselves can't rustle up £16,000,

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to be honest.

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Well, you had a turnover, last time you submitted books, of £1.8 million.

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So I can't believe that you can't come up with £16,000.

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I know what you're saying, it's short notice, but it's not short notice

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because it's been all through the County Court.

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We've sent a notice of enforcement, there's been plenty of paperwork to do with this, but somebody's either

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ignored it or buried their heads in the sand and it's now crunch day.

0:18:190:18:25

OK.

0:18:250:18:26

Bye-bye.

0:18:260:18:28

She's spoken to somebody and they can pay half the money now

0:18:300:18:33

and the balance on Friday.

0:18:330:18:35

But at the moment, I've said no to that because they've managed to come

0:18:350:18:38

up with half the money very, very quickly,

0:18:380:18:41

so I don't see how a company with that sort of turnover could fail to

0:18:410:18:45

come up with £16,000.

0:18:450:18:47

So I'm playing hardball at the moment, I've said no,

0:18:470:18:50

and we'll see what she comes back with in half an hour.

0:18:500:18:53

In fact, he only has to wait a few minutes for an improved offer.

0:18:530:18:57

MOBILE RINGS

0:18:570:18:59

Hello, Mr Grix speaking.

0:18:590:19:00

It's not for the full amount, but it's enough.

0:19:020:19:04

Yeah, if you make that by immediate payment and just give me a buzz when

0:19:040:19:08

it's done. And providing the balance hits the account by close of

0:19:080:19:11

business Friday, then that will be the matter dealt with.

0:19:110:19:13

OK, thanks. Bye-bye.

0:19:150:19:16

They're going to make £10,000 payment in the next couple of minutes

0:19:190:19:22

and then the balance on Friday.

0:19:220:19:24

It's Wednesday, so I can live with that.

0:19:240:19:26

Lawrence soon gets confirmation that the first payment's been made...

0:19:270:19:30

-£10,000 is in.

-..leaves a receipt...

0:19:300:19:33

They know I'm leaving it with you.

0:19:330:19:35

I'm presuming somebody will come and collect it at some point.

0:19:350:19:37

..and is on his way, pleasantly surprised.

0:19:370:19:40

They offered half the debt initially.

0:19:400:19:42

I insisted on full payment.

0:19:420:19:45

They came back sort of ten minutes later with an offer of £10,000 and,

0:19:450:19:49

really, in the situation where I hadn't even got into the office, and

0:19:490:19:53

it looks like they don't even use the office,

0:19:530:19:55

so I'd have to use locksmiths to get in,

0:19:550:19:58

I think that's a pretty good result, really.

0:19:580:20:00

So, £10,000 today by a transfer,

0:20:000:20:02

which they did very quickly, and I've no doubt that the other just

0:20:020:20:06

over £6,000 will be transferred in on Friday.

0:20:060:20:09

Berkeley Credit & Guarantee Limited later made the second payment,

0:20:090:20:13

and their landlord finally got the money they were owed.

0:20:130:20:16

In the north-west,

0:20:200:20:22

sheriff Alan Pennington is on his way to enforce a debt against a

0:20:220:20:25

manufacturing business.

0:20:250:20:27

We're off to Oldham today in this miserable, wonderful, wet weather.

0:20:270:20:31

We're going to Oldham Precision.

0:20:310:20:33

It's only a small bill, it's only about £1,800.

0:20:330:20:36

Oldham Precision Limited has been taken to court by a supplier over an

0:20:360:20:41

unpaid invoice.

0:20:410:20:42

The company didn't defend the case in court and a judgment was issued

0:20:420:20:46

by default. They now over £1,803.

0:20:460:20:50

Alan is hoping that getting paid is going to be just a formality.

0:20:550:20:59

It sounds like the company do know about the debt that's

0:20:590:21:03

still outstanding, so I'm going to discuss it with them shortly.

0:21:030:21:06

We're only around the corner and we'll get this paid for the client and move on.

0:21:060:21:10

The business is on an industrial estate.

0:21:120:21:15

-Closed.

-The shutters are down.

0:21:150:21:18

-Is that a door?

-But Alan spies a side door.

0:21:180:21:21

Hello, sir. Is there anyone I can speak to?

0:21:270:21:29

-I don't know, I just do deliveries.

-All right, is there an office here?

0:21:290:21:33

There is, and Alan is shown the way in to meet a manager.

0:21:330:21:36

-Hello.

-Hi.

-I'm an enforcement agent.

0:21:390:21:42

-Right.

-With a High Court writ for yourselves, Oldham Precision.

0:21:420:21:46

What for?

0:21:460:21:47

Alan explains the details of the writ,

0:21:470:21:50

but the woman's response isn't what he's expecting.

0:21:500:21:53

-I phoned up and paid it on the phone the other day.

-To who?

0:21:530:21:56

-They gave me a sort code and account number, I had to do it on the phone.

-Who did?

0:21:560:21:59

-When I phoned the...

-The Sheriffs Office?

-In the Sheriffs Office.

0:21:590:22:02

I paid about £1,300.

0:22:020:22:04

Alan checks his file again, but there's no record of any payment and

0:22:040:22:09

the figure the woman says she's paid doesn't match the writ.

0:22:090:22:13

Alan calls his office and gets them to check the bank account.

0:22:130:22:17

It's not there?

0:22:170:22:18

Nothing in the bank?

0:22:200:22:22

-Is there any way you can go and have a look for us to give us proof?

-Yeah.

0:22:220:22:25

-How you paid it.

-Do you want me to print, like, a bank statement?

0:22:250:22:27

-Whatever you've got.

-Yeah, give me two minutes.

-Yeah, that's fine.

0:22:270:22:30

The woman soon returns - and sure enough, she has the bank statement as promised.

0:22:330:22:38

-There.

-What have you got there?

-It was on the 18th, bank statement,

0:22:380:22:41

High Court Sheriff, £1,354.07.

0:22:410:22:44

The statement does indeed show a payment made three days ago, marked

0:22:470:22:52

-as High Court Sheriffs.

-When was the 18th, is that Thursday, Thursday, Friday?

0:22:520:22:55

It might not clear until tomorrow morning. When you pay someone for the first time, it is three days.

0:22:550:23:00

In fact, bank payments usually go through within a matter of minutes,

0:23:000:23:04

and most are guaranteed to be processed within two hours.

0:23:040:23:07

Yet for some reason,

0:23:070:23:08

the woman's money hasn't arrived, and so as far as the law's concerned,

0:23:080:23:13

the writ still needs paying.

0:23:130:23:14

What you'll need to do to satisfy this judgment for us today, because

0:23:140:23:18

that money you've paid hasn't hit our account, is you'll need to pay that by card to

0:23:180:23:22

me today with the machine, and then that money there that's gone in,

0:23:220:23:25

if it's in the bank tomorrow or Wednesday, whenever it is,

0:23:250:23:27

-you'll be refunded.

-Can we not pay the difference?

0:23:270:23:29

No, because it's not in our account yet.

0:23:290:23:31

We've already checked the bank.

0:23:310:23:33

-Right.

-My manager's just checked the bank, it's not there.

0:23:330:23:36

It's a bitter pill to swallow because, as far as the woman is concerned,

0:23:360:23:40

the company doesn't even owe this debt in the first place.

0:23:400:23:43

It's come from a company who did some work for us and invoiced us twice,

0:23:430:23:47

so the original amount was paid and this is a debt that has already been

0:23:470:23:51

paid, but they've invoiced twice.

0:23:510:23:53

However, the time to make their case has passed.

0:23:530:23:57

As Oldham Precision Limited didn't defend the claim in court,

0:23:570:24:00

their supplier has obtained a CCJ and is legally entitled to the money.

0:24:000:24:05

Despite her reservations,

0:24:050:24:07

the woman agrees to make another payment without argument and Alan

0:24:070:24:11

leaves with the debt paid in full.

0:24:110:24:13

-All right, thanks very much, Emma.

-Right, thank you so much.

-OK, bye, love.

0:24:130:24:17

Oh!

0:24:190:24:21

We're satisfied the full judgment today of £1,800, and the

0:24:240:24:27

money that they paid last week, when it reaches our account, will be

0:24:270:24:31

refunded back to them.

0:24:310:24:33

Very co-operative, no problems and the client will be paid in full.

0:24:330:24:37

In fact, the money the woman thought she'd previously paid the

0:24:380:24:42

Sheriffs Office never turned up.

0:24:420:24:44

However, the company had a number of other outstanding CCJs and it's

0:24:440:24:48

possible the payment was made towards a different debt.

0:24:480:24:52

Oldham Precision Limited has since gone into administration.

0:24:520:24:56

In Birmingham, Craig's chasing more than £6,000 at a garage.

0:25:050:25:09

A customer, Rob Gallon, put his car in for repair but never got it back.

0:25:090:25:13

When he first arrived, Craig thought he had confirmed that the man he's

0:25:130:25:17

looking for is in charge here.

0:25:170:25:19

Is the boss about?

0:25:190:25:20

Is it a Nitin Kareer or something?

0:25:210:25:23

-Come inside.

-Yeah, yeah.

0:25:250:25:26

But this man has since arrived, saying he's the boss and he's

0:25:260:25:30

called Mr Ali.

0:25:300:25:32

I have overtook from Nitin and we are just going to do parts.

0:25:320:25:37

And now someone else is on the phone.

0:25:370:25:40

-Is that Nitin?

-It's Ash.

0:25:400:25:43

This is Ash.

0:25:430:25:44

Hello, Ash. You're taking over the premises, yeah, to sell parts?

0:25:440:25:48

Ash says he's Nitin's cousin and, along with Mr Ali, took over the

0:25:490:25:54

business six months ago.

0:25:540:25:55

But as Craig flicks through the paperwork on the desk,

0:25:560:25:59

he finds Nitin Kareer's name is all over it.

0:25:590:26:03

-Those are old letters?

-Old letters?

-Yeah, old letters, they're old letters.

0:26:030:26:07

-How many other letters have they got?

-They are old letters.

0:26:070:26:09

We haven't got any letters coming in.

0:26:090:26:11

-That's for the water.

-That's old.

0:26:110:26:14

It's for the water, isn't it?

0:26:140:26:16

Their story isn't adding up.

0:26:160:26:18

Everything I'm looking at now at the moment is obviously

0:26:200:26:23

your cousin's details on it.

0:26:230:26:25

I know, I appreciate you're saying he's not, but if you're going to

0:26:260:26:29

take over a premises, you'd change the water, you'd change the gas,

0:26:290:26:32

you'd change the electric as a matter of course, wouldn't you?

0:26:320:26:35

Ash, I'm looking at an invoice here, 27th of September, addressed to your cousin's company.

0:26:350:26:41

That isn't April, is it? You took over in April,

0:26:410:26:44

he shouldn't even be trading from here. Yet I've got invoices

0:26:440:26:47

proving that he's trading from here.

0:26:470:26:49

Although he still hasn't got any proof there are assets here in the

0:26:490:26:53

debtor's name personally,

0:26:530:26:54

he has at least got the people he's dealing with on the back foot.

0:26:540:26:58

Perhaps that'll be enough to ramp up the pressure and get a payment.

0:26:580:27:02

You need to get your cousin,

0:27:020:27:04

talk to me and then hopefully I can try and help him out.

0:27:040:27:06

I'll always try and help people out,

0:27:060:27:08

but what I don't like being is being mugged off. Do you know what I mean?

0:27:080:27:12

It appears without his right-hand man, Tommy, by his

0:27:120:27:14

side, Craig's taking on both roles of good cop and bad cop.

0:27:140:27:19

He's going to call me.

0:27:200:27:21

While Craig waits to finally hear from Mr Kareer,

0:27:210:27:24

he decides to do a bit more investigating.

0:27:240:27:27

I've got every legal right.

0:27:290:27:30

Legal rights for what?

0:27:300:27:32

-Diligent search, they call it.

-No, you can't.

-Yes, I can.

0:27:320:27:35

-No, you can't.

-Yes, I can.

-Can't.

-Yes, I can.

0:27:350:27:38

Craig does have the law on his side, and any attempts to stop his

0:27:380:27:42

diligent search could quickly become a matter for the police.

0:27:420:27:46

Luckily, the situation calms down,

0:27:460:27:49

Mr Ali let's Craig carry on, before again handing him his phone.

0:27:490:27:53

Is he on the phone, is he?

0:27:530:27:55

But he is not the elusive Mr Kareer.

0:27:550:27:58

Once more, it's his cousin, Ash.

0:27:580:28:01

Hiya, Ash.

0:28:010:28:03

He's still saying the debt's got nothing to do with him and he doesn't want

0:28:030:28:06

to pay.

0:28:060:28:08

As I explained, Ash, and as I explained to your business partner here, Mr Ali,

0:28:080:28:12

I'm here with a court order for six grand, mate, and my job today is

0:28:120:28:15

to collect that money under the terms of the High Court writ of control.

0:28:150:28:18

Because money talks, that's the thing.

0:28:180:28:20

Finally, Craig's persuasive techniques land on target.

0:28:200:28:24

Perhaps realising that he isn't going to go away,

0:28:240:28:27

Ash says he owes his cousin some money.

0:28:270:28:30

He says he's willing to pay part of the debt for him and offers £1,000.

0:28:300:28:35

Yeah, I'll make a phone call first, yeah, and I'll come back to you.

0:28:350:28:40

If that's acceptable, then I'll leave a letter here for your cousin,

0:28:400:28:44

but he has to deal with it. This is a personal liability.

0:28:440:28:47

He needs to get in contact with our office and then he can sort an

0:28:470:28:50

arrangement out to pay the balance off over a period of time, if he can't pay it in one go.

0:28:500:28:54

Craig checks with his office, and the offer is accepted.

0:28:540:28:58

Mr Ali makes the payment on a card, and Craig issues a receipt, along

0:28:580:29:03

with the letter for Mr Kareer, asking him to contact the sheriffs

0:29:030:29:06

to pay the remainder of the debt.

0:29:060:29:09

-Thank you very much.

-Sorry for your...

-No problem at all.

0:29:090:29:12

It's not the perfect outcome, but given that neither the

0:29:120:29:15

debtor nor any sign of his assets were present,

0:29:150:29:18

Craig's satisfied he's done the best he can.

0:29:180:29:21

All in all, I think it's a good result for the claimant at the moment.

0:29:210:29:24

I never met the debtor, claims not to be trading from here at all.

0:29:240:29:28

Most of the assets there are in the limited company name,

0:29:280:29:30

not personal to our guy.

0:29:300:29:33

However, took the £1,000 and best result we could get out of that.

0:29:330:29:37

Back in Staffordshire,

0:29:400:29:41

Rob Gallon is disappointed that the sheriffs weren't able to recover the

0:29:410:29:45

full amount. But is at least glad to see things moving in the right direction.

0:29:450:29:49

It's something I've been fighting this guy for well over 12 months.

0:29:490:29:54

We have had some luck.

0:29:540:29:55

We've recovered £1,000, so we are getting somewhere with it.

0:29:550:29:59

Mr Kareer did subsequently make contact with the sheriffs and offer

0:30:000:30:04

to make payments of £40 a week to clear his debt.

0:30:040:30:08

However, Mr Gallon rejected this,

0:30:080:30:11

opting instead to hold out for a better offer or payment in full.

0:30:110:30:15

So far, the sheriffs haven't been able to recover any more of his money.

0:30:150:30:19

If you've won a County Court judgment and haven't been paid,

0:30:210:30:24

for £66, you can get the case transferred up to the High Court,

0:30:240:30:28

which will issue a writ for enforcement by the sheriffs.

0:30:280:30:32

My job is to collect in full or remove goods.

0:30:320:30:36

They've got special powers of entry.

0:30:360:30:39

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

0:30:390:30:42

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

0:30:420:30:45

£1.6 million.

0:30:450:30:47

If they're successful, they'll recover your money and costs from the debtor.

0:30:480:30:53

Have you got the cash now, then?

0:30:530:30:54

As well as their own fees, which are set by the government.

0:30:540:30:57

She's paid, the judgment is settled.

0:30:570:30:59

Thank you very much.

0:30:590:31:01

If the sheriffs can't get your money,

0:31:010:31:03

they'll ask you to pay a fee of £75 plus VAT.

0:31:030:31:07

It's 10:30 in the morning and enforcement agents Lawrence Grix and Kev McNally are

0:31:120:31:18

in West London. They're on their way to enforce an unpaid debt,

0:31:180:31:21

owed by a large international company.

0:31:210:31:24

We are in Brentford.

0:31:240:31:27

We're going to Pakistan International Airlines Corporation.

0:31:270:31:30

They owe us £1,088, this is relating to a delayed flight,

0:31:320:31:37

so it's compensation.

0:31:370:31:39

Since an EU ruling came into force in 2005,

0:31:390:31:43

flight delay compensation has provided a steady stream of work for

0:31:430:31:47

the sheriffs. Under the rules,

0:31:470:31:49

passengers on delayed flights in and out of the UK could be entitled to

0:31:490:31:53

compensation of up to 600 euros, and it's estimated around 900,000

0:31:530:31:59

passengers are eligible every year.

0:31:590:32:02

But all too often, airlines are reluctant to pay out.

0:32:020:32:05

Nicholas Parkinson is the solicitor acting on behalf of today's claimant.

0:32:050:32:10

There are some airlines that are good at paying claims.

0:32:100:32:12

Unfortunately, with other airlines, it's very much the opposite.

0:32:120:32:15

They've been fighting these claims voraciously for several years.

0:32:150:32:19

They simply don't like the idea of paying people compensation.

0:32:190:32:23

That means many eligible passengers end up having to take the airlines

0:32:230:32:27

to court and ultimately engaging the sheriffs.

0:32:270:32:31

Lawrence and Kev's job today is on behalf of a Mr Uzman Rafique.

0:32:310:32:36

Mr Rafique and his family flew from London Heathrow to Lahore Airport in

0:32:360:32:41

Pakistan. Their flight was delayed by over five hours, so Mr Rafique

0:32:410:32:46

and his family were each entitled to 600 euros compensation.

0:32:460:32:50

Several letters were sent chasing for payments,

0:32:500:32:54

but, unfortunately, there was no response.

0:32:540:32:56

So the solicitors went to court and won a CCJ,

0:32:560:33:00

which still hasn't been paid.

0:33:000:33:02

Now it's down to Lawrence and Kev to get the £1,088 Mr Rafique's owed.

0:33:020:33:07

Kev is feeling confident.

0:33:120:33:14

We're heading to their offices now, and I can't see this being a problem.

0:33:140:33:19

20 minutes, paid,...

0:33:200:33:22

..out we go.

0:33:240:33:25

They locate the block where Pakistan International Airlines has its UK

0:33:260:33:30

office and head in.

0:33:300:33:32

Here we are, we're in anyway.

0:33:330:33:35

-All right, mate.

-But their attempt to breeze past security doesn't go unnoticed.

0:33:350:33:40

-Go on, you go and sign in for us, then.

-I'll sign in, yeah.

0:33:420:33:45

Are you going to come and open the door?

0:33:460:33:49

Our cameraman's also asked to leave.

0:33:490:33:51

Inside, the sheriffs show the airline their writ and demand payment.

0:33:550:34:00

Sadly, Kev's prediction of being out in 20 minutes doesn't come good.

0:34:000:34:04

But when he does make an appearance after half an hour,

0:34:040:34:07

it sounds like things are going more or less to plan.

0:34:070:34:10

Literally come to get the card machine, they're going to pay.

0:34:100:34:13

They're struggling to find the debt and the judgment, but they know they've got to

0:34:130:34:16

pay it, so... It's such a minimal amount,

0:34:160:34:18

they're going to get rid of us and pay that and then sort the details out later.

0:34:180:34:23

That is exactly what happens, and the sheriffs are soon heading back to the van.

0:34:230:34:27

That went as well as could be expected, really.

0:34:280:34:30

Payment in less than an hour, walked straight past the security guard,

0:34:300:34:34

who wasn't too happy and came and sort of chased us down.

0:34:340:34:37

So Kev had to go and sign us in,

0:34:370:34:39

but the airline company themselves just let me straight in.

0:34:390:34:43

They phoned up their boss,

0:34:430:34:45

who's not in the office today, and he got a bit shirty with me at one

0:34:450:34:48

point, "I haven't had this, I haven't had that,"

0:34:480:34:51

But, basically, I talked him down and they paid on a card.

0:34:510:34:54

It's a scenario the sheriffs have seen time and time again.

0:34:540:34:58

After months of fighting or brushing off a compensation claim,

0:34:580:35:02

a brief visit by the sheriffs is suddenly enough to make them reach

0:35:020:35:05

for their wallets. After years of jobs like these,

0:35:050:35:09

Lawrence still can't get his head around it.

0:35:090:35:11

I don't know why, if they know that a flight's been delayed and, under

0:35:110:35:17

the legislation, they're obliged to pay compensation,

0:35:170:35:20

I don't know why they don't just pay it.

0:35:200:35:23

But they've paid now.

0:35:230:35:24

Mr Rafique has finally got the money he's legally entitled to.

0:35:270:35:31

His solicitor's delighted and hopes it sends out a clear message.

0:35:310:35:35

We were pleased that we got the result we needed for ourselves,

0:35:350:35:38

for our client and also to, you know,

0:35:380:35:41

set an example as such to the airline to let them know, you know,

0:35:410:35:45

there's nowhere to hide.

0:35:450:35:46

These are court orders, you must pay these, and hopefully in the future,

0:35:460:35:51

this won't be a repeat occurrence.

0:35:510:35:53

Enforcement agent Ken Warby is on the road and heading to Northampton.

0:35:580:36:03

Sheriffs can travel up to 3,000 miles every month in pursuit of

0:36:030:36:07

unpaid debts, and for this Londoner, today's job is taking him into unfamiliar territory.

0:36:070:36:13

I don't know Northampton well at all,

0:36:130:36:15

this is a rare job for me to come up here.

0:36:150:36:17

Though the footy mad sheriff has at least heard of the local team.

0:36:170:36:21

Called the Cobblers. They used to make shoes and stuff up here.

0:36:210:36:25

But it's unlikely such insights will help him with the task ahead,

0:36:250:36:29

collecting money owed to a decorator.

0:36:290:36:31

We're off to a place called PPS Shopfitters.

0:36:320:36:36

An individual has taken them to court as he was employed by the

0:36:360:36:41

debtor company. They had a signed ten-day contract

0:36:410:36:45

to carry out some work on site.

0:36:450:36:47

But the contract was broken when the decorator was told to leave after

0:36:490:36:52

seven days, and he was only paid for half of the job.

0:36:520:36:56

He took PPS Shopfitters Limited to court.

0:36:560:36:59

They didn't defend the case and judgment was issued by default.

0:36:590:37:03

The company now owes £3,347.

0:37:030:37:08

After a couple of wrong turns...

0:37:110:37:13

-End of the road.

-..Ken finds the industrial estate.

0:37:130:37:16

Kings Thorpe Business Centre.

0:37:160:37:19

And the unit.

0:37:190:37:20

Oh, it's here, PPS Shopfitters, yeah.

0:37:200:37:23

It's open and it looks like there's someone there.

0:37:230:37:27

Ken heads in and make himself known.

0:37:270:37:29

Hello, yeah, I'm looking for the person in charge, please.

0:37:310:37:35

He's not in? Oh.

0:37:370:37:40

The boss is apparently an hour's drive away on a site visit.

0:37:400:37:43

I'm from the courts, there's my ID.

0:37:430:37:46

Is there any chance you can get him on the phone,

0:37:460:37:47

-it's quite important?

-Ken is hoping that the mention of the courts

0:37:470:37:50

will make it clear his visit is urgent.

0:37:500:37:52

But it seems like the message hasn't sunk in.

0:37:520:37:56

No, no, we don't make appointments.

0:37:580:38:01

While the man tries to reach his boss by phone,

0:38:010:38:04

Ken decides it's time to size up the assets.

0:38:040:38:08

We've got machinery, but it's big machinery, and then raw materials.

0:38:080:38:13

Wood, paint and some smaller hand tools as well.

0:38:130:38:18

But the most promising and easily removable asset is out front.

0:38:190:38:23

It's a van emblazoned with the company logo,

0:38:230:38:26

which might belong to the business.

0:38:260:38:28

Ken puts a call into his office.

0:38:280:38:30

Could you do me an HPI check on a sign written van, please?

0:38:300:38:35

The HPI check won't confirm the company owns it,

0:38:350:38:38

but it will reveal whether it's free of finance and therefore could be

0:38:380:38:42

removed if necessary. And it is.

0:38:420:38:45

It's only a couple of years old and it is signed, written with

0:38:450:38:48

the debtor's name on it, so should we not get anywhere on the phone,

0:38:480:38:51

that could be a bit of leverage in getting our money back.

0:38:510:38:55

I've got a clamp in the car, so we'll just wait and see.

0:38:560:38:59

Meanwhile, a staff member's managed to reach the boss, Paul Houston.

0:38:590:39:03

Thank you. Hello, is that Paul?

0:39:030:39:05

Hello, my name's Ken Warby, I'm from...

0:39:050:39:08

Ken explains he's here for the decorator's money.

0:39:080:39:10

He's got a judgment against you, as I'm sure you're aware.

0:39:100:39:14

-Oh, he hasn't?

-Mr Houston seems to have a different understanding of

0:39:140:39:18

the situation.

0:39:180:39:19

He wants you to get something for him. Cheers.

0:39:220:39:24

He's got one of his work colleagues here to get some paperwork,

0:39:240:39:27

apparently suggesting why we shouldn't be here, so that's interesting.

0:39:270:39:31

Thanks, mate, ta.

0:39:340:39:35

But what the paperwork shows is exactly what Ken suspected it might.

0:39:380:39:42

Can I speak to him again? Thank you.

0:39:420:39:44

Hello, Paul.

0:39:460:39:48

I can see what you've got here.

0:39:480:39:50

What you've got is, you've got an application to get the judgment set aside.

0:39:500:39:53

You've got a court date to appeal.

0:39:530:39:55

Unfortunately, that's not enough.

0:39:550:39:58

Mr Houston doesn't agree.

0:39:580:40:00

He says the court's got it wrong and doesn't think he should have to pay

0:40:000:40:03

anything until the case is re-heard.

0:40:030:40:06

Only that's not how the law works.

0:40:060:40:08

What you've got is literally what it says on the can.

0:40:080:40:12

You've got an application to set the judgment aside and it doesn't trump

0:40:120:40:17

this, unfortunately. If you consider this a game of poker,

0:40:170:40:21

this person is holding all the aces because they've got a court judgment

0:40:210:40:24

against PPS.

0:40:240:40:26

Mr Houston doesn't like what he's hearing,

0:40:260:40:28

so Ken tries to make him see it's in his best interests to pay.

0:40:280:40:32

I'll give you an option and you can decide whether or not you're going

0:40:320:40:35

to take it, OK?

0:40:350:40:37

The total cost is £3,347.11.

0:40:370:40:42

Now, the only way this is going to change is if you refuse to pay,

0:40:420:40:48

because I then have to call up a removal van to remove goods and it all gets

0:40:480:40:52

really messy. I would get it paid for now, because if you pay it,

0:40:520:40:57

we can't do anything with the money for 14 days, we hold on to it.

0:40:570:41:01

In that 14 days,

0:41:010:41:02

what I would suggest you do is do your utmost in order to dispute it.

0:41:020:41:07

If he isn't paid, Ken will be forced to remove goods.

0:41:070:41:11

But Mr Houston's taking some convincing.

0:41:110:41:14

I can't give you legal advice, sir, I'm not allowed to.

0:41:140:41:16

But if in that 14 days you dispute it, you dispute it correctly,

0:41:160:41:20

then obviously you have to be given that money back.

0:41:200:41:23

Finally, after ten minutes on the phone,

0:41:240:41:26

Mr Houston backs down and authorises a staff member to pay with a card.

0:41:260:41:31

But just when it looks like the job's in the bag, there's a hitch.

0:41:310:41:35

I've been up in the office trying to get some cards to go through a

0:41:350:41:38

payment line and they've failed.

0:41:380:41:42

The boss himself is now on his way back.

0:41:420:41:45

Until he arrives,

0:41:450:41:46

all Ken can do is wait and contemplate whether he'd make a good shop fitter.

0:41:460:41:51

I can cut a piece of wood.

0:41:510:41:53

I can cut a piece of metal, so, yeah.

0:41:530:41:56

Just as Ken's mulling over an alternative career, Mr Houston arrives.

0:41:560:42:00

Hello, I'm Ken, I spoke to you on the phone.

0:42:000:42:02

As all the bank cards in the office have already been declined,

0:42:040:42:07

hopes are resting on the boss being able to access some funds.

0:42:070:42:11

Luckily, he is.

0:42:140:42:16

I've tried several cards before he turned up.

0:42:160:42:18

His one worked, and he's just paid £3,347.

0:42:190:42:24

He is, however, going to contest it because he just feels that he

0:42:240:42:28

shouldn't have to pay this money, according to him.

0:42:280:42:31

But we've got the money, we've got what we come for, and job done.

0:42:310:42:36

PPS Shopfitters Limited subsequently withdrew its application to appeal

0:42:380:42:43

the case and the decorator finally got paid what he was owed.

0:42:430:42:47

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