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-Meet the sheriffs. -My name's Mr Gricks. | 0:00:02 | 0:00:03 | |
My colleague and I are enforcement agents. | 0:00:03 | 0:00:05 | |
We're here with a High Court order today. | 0:00:05 | 0:00:07 | |
They work for the High Court, and if a judge says you're owed money, | 0:00:07 | 0:00:10 | |
it's the sheriffs' job to go and get it. | 0:00:10 | 0:00:13 | |
-Hey, all the keys. -I'm going to be calling a locksmith. | 0:00:13 | 0:00:17 | |
They can demand payment on the spot... | 0:00:17 | 0:00:19 | |
What can you pay us now? | 0:00:19 | 0:00:20 | |
-You're going to get the cash, are you? -Are you paying the bill? | 0:00:20 | 0:00:22 | |
..or remove assets instead. | 0:00:22 | 0:00:24 | |
You've got 30 minutes to make the payment. | 0:00:24 | 0:00:25 | |
Then we'll start removing stuff from the building. | 0:00:25 | 0:00:28 | |
You'll have a week to pay in full before it gets sold at auction. | 0:00:28 | 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 | |
-Don't lie to me. -No mess tins. | 0:00:35 | 0:00:37 | |
Every year, sheriffs in England and Wales | 0:00:37 | 0:00:40 | |
recover unpaid debts totalling more than £18 million. | 0:00:40 | 0:00:44 | |
Coming up, | 0:00:48 | 0:00:49 | |
Rob and Gerald have a debt to recover, | 0:00:49 | 0:00:51 | |
and don't intend to let a locked door get in their way. | 0:00:51 | 0:00:55 | |
Oh. I'm starting to worry about your background. | 0:00:55 | 0:00:59 | |
When Sam Peacock supplied a farmer with lighting | 0:00:59 | 0:01:02 | |
for his pheasant pens, he didn't get the payment he was due. | 0:01:02 | 0:01:05 | |
I said, "I'm going to have to take you to court if you don't pay me." | 0:01:05 | 0:01:08 | |
He said, "Do what you've got to do." | 0:01:08 | 0:01:10 | |
So Mike and Billy head to the country to track down the debtor. | 0:01:10 | 0:01:13 | |
I've got a High Court writ. | 0:01:13 | 0:01:14 | |
At the moment, the balance outstanding is £9,287. | 0:01:14 | 0:01:18 | |
Would you like to go away? | 0:01:18 | 0:01:19 | |
Lawrence is pursuing a Spanish airline for unpaid compensation. | 0:01:19 | 0:01:24 | |
But it's siesta time, and payment's delayed again. | 0:01:24 | 0:01:27 | |
I'm not here to wait an hour and 45 minutes | 0:01:27 | 0:01:29 | |
so somebody can come off their lunch break in Spain and make a payment. | 0:01:29 | 0:01:33 | |
And while Jon smartens up... | 0:01:34 | 0:01:36 | |
Tommy turns up the heat. | 0:01:36 | 0:01:38 | |
2,688.50. | 0:01:38 | 0:01:41 | |
How would you like to pay that? | 0:01:41 | 0:01:43 | |
Today, High Court enforcement agents Billy Evans and Mike Perkins | 0:01:48 | 0:01:52 | |
are heading out of the city | 0:01:52 | 0:01:54 | |
to a remote location in the Essex countryside. | 0:01:54 | 0:01:57 | |
This morning, we're off to Braintree to speak to a Mr Patrick Gardner. | 0:02:01 | 0:02:07 | |
We believe it's a farm. | 0:02:07 | 0:02:08 | |
Certainly, where we are now, it's quite rural, | 0:02:08 | 0:02:11 | |
so it's looking good. | 0:02:11 | 0:02:13 | |
Billy's been doing his homework. | 0:02:13 | 0:02:15 | |
It looks as if the farm in question specialises in a particular pastime | 0:02:15 | 0:02:19 | |
synonymous with an English country way of life. | 0:02:19 | 0:02:23 | |
They breed, erm... | 0:02:23 | 0:02:25 | |
-birds. -Pheasants. | 0:02:25 | 0:02:26 | |
Pheasants, to be precise. | 0:02:26 | 0:02:28 | |
Mr Gardner failed to settle an invoice for lighting equipment | 0:02:28 | 0:02:32 | |
that was fitted in his pheasants' breeding pens. | 0:02:32 | 0:02:35 | |
The debt's just over £9,000. | 0:02:35 | 0:02:37 | |
Obviously, we're hoping to go there and find some farm machinery... | 0:02:37 | 0:02:40 | |
..possibly some livestock. | 0:02:42 | 0:02:44 | |
For Mike, country sports like shooting, stalking and hunting | 0:02:44 | 0:02:47 | |
are things that he's grown up around, and enjoys. | 0:02:47 | 0:02:51 | |
I don't mind a bit of pheasant shooting. | 0:02:51 | 0:02:53 | |
My dad used to have a pheasant shoot. | 0:02:53 | 0:02:55 | |
He also is a deerstalker, so, yeah, I've been brought up around game, | 0:02:55 | 0:03:00 | |
eating, obviously, rabbit, venison, pigeon. | 0:03:00 | 0:03:04 | |
Billy's happy tracking down people who owe money | 0:03:05 | 0:03:08 | |
and getting them to pay, | 0:03:08 | 0:03:10 | |
but when it comes to blood sports, he's a bit more squeamish. | 0:03:10 | 0:03:13 | |
I'm quite soft inside when it comes to that kind of stuff. | 0:03:13 | 0:03:16 | |
I don't mind a bit of fishing. | 0:03:16 | 0:03:18 | |
Catch the fish, take them home, eat them. | 0:03:18 | 0:03:21 | |
But, yeah, not a fan of killing things. | 0:03:21 | 0:03:24 | |
But when Mike thinks about game, he thinks about his dinner. | 0:03:24 | 0:03:28 | |
I like a bit of pheasant casserole. That's a nice one. | 0:03:28 | 0:03:31 | |
Big, chunky carrots in it, some big potatoes, | 0:03:31 | 0:03:35 | |
new potatoes. Yeah, lovely. | 0:03:35 | 0:03:37 | |
And at least you know where your meat's come from, as well. | 0:03:37 | 0:03:40 | |
Patrick Gardner was taken to court by electrician Sam Peacock, | 0:03:44 | 0:03:48 | |
who supplied the lighting for his pheasant pens. | 0:03:48 | 0:03:52 | |
Sam first met Mr Gardner at a shoot organised by Mr Gardner himself. | 0:03:52 | 0:03:57 | |
My friends and I go to quite a few sort of shoot days | 0:03:57 | 0:04:00 | |
to different places up and down the country. | 0:04:00 | 0:04:02 | |
There's quite a lot of banter in it, and it's a good social life, | 0:04:02 | 0:04:06 | |
and it's a great day out, really. | 0:04:06 | 0:04:08 | |
That shoot has stuck in Sam's memory for more than one reason. | 0:04:08 | 0:04:13 | |
We had a good day when we were out shooting. | 0:04:13 | 0:04:15 | |
Everyone had a good laugh - it was a well organised day. | 0:04:15 | 0:04:18 | |
I treated my girlfriend's dad, at the time, | 0:04:18 | 0:04:20 | |
and while I was there, I actually asked him | 0:04:20 | 0:04:22 | |
if I could have her hand in marriage. | 0:04:22 | 0:04:24 | |
I'm not sure it was a great idea to ask him | 0:04:24 | 0:04:26 | |
while he had a gun in his hand, but... | 0:04:26 | 0:04:28 | |
he didn't shoot me, so it was all good! | 0:04:28 | 0:04:30 | |
Emma's father gave his approval, and Sam was delighted. | 0:04:31 | 0:04:35 | |
On the same day, he also met Patrick Gardner for the first time. | 0:04:36 | 0:04:40 | |
He seemed a nice enough guy. | 0:04:40 | 0:04:42 | |
He produces eggs for pheasants, so he has big lines of pens | 0:04:42 | 0:04:46 | |
where the birds sit on the eggs, or lay the eggs. | 0:04:46 | 0:04:50 | |
He wanted the light to come on earlier in the day | 0:04:50 | 0:04:52 | |
and later on in the evening. | 0:04:52 | 0:04:54 | |
It increases the production by about 50%. | 0:04:54 | 0:04:57 | |
A week later, and by now officially engaged to Emma, | 0:04:57 | 0:05:00 | |
electrician Sam went round to see Mr Gardner | 0:05:00 | 0:05:04 | |
to quote for the work. | 0:05:04 | 0:05:05 | |
He decided that he'd like to do all of the labour himself, | 0:05:05 | 0:05:08 | |
and I'd just supply the parts to him, which is what we did. | 0:05:08 | 0:05:11 | |
We got them delivered over to his, | 0:05:11 | 0:05:13 | |
he fitted it all over, and we went over there, | 0:05:13 | 0:05:15 | |
and just sort of checked everything was working, | 0:05:15 | 0:05:18 | |
and he was completely happy when we left the job. | 0:05:18 | 0:05:20 | |
It was a good deal for Mr Gardner. | 0:05:20 | 0:05:23 | |
But there wasn't much profit in it for Sam. | 0:05:23 | 0:05:26 | |
Wasn't making a big amount of money out of doing it, | 0:05:26 | 0:05:29 | |
it was almost, really, as a favour to him. | 0:05:29 | 0:05:31 | |
I can use my discount with my wholesalers to get it cheaper | 0:05:31 | 0:05:34 | |
than what he could get it. | 0:05:34 | 0:05:36 | |
I make a couple of hundred quid, save him some money, but, yeah, | 0:05:36 | 0:05:40 | |
didn't work out quite like that. | 0:05:40 | 0:05:41 | |
Sam paid for the lighting equipment up front, | 0:05:43 | 0:05:46 | |
so when he submitted his invoice, he expected prompt payment. | 0:05:46 | 0:05:50 | |
After I first sent him the invoice, the first 30 days rolled by. | 0:05:50 | 0:05:54 | |
I sent him an e-mail, he said he was happy with everything. | 0:05:54 | 0:05:56 | |
The new lamps are in, they're all working fine. | 0:05:56 | 0:06:00 | |
So, I just sent him another reminder e-mail. | 0:06:00 | 0:06:02 | |
He never responded, so I started to ring him up. | 0:06:02 | 0:06:06 | |
He'd then promise, "Oh, I've got some money coming in, | 0:06:06 | 0:06:09 | |
"I'll pay you on Friday." | 0:06:09 | 0:06:10 | |
And then, "I'll pay you on Monday" and then a week later it'd be, | 0:06:10 | 0:06:13 | |
"Oh, I'll pay you next week." | 0:06:13 | 0:06:14 | |
I think I had to ring him about 12 times in one day | 0:06:14 | 0:06:17 | |
to get him to answer the phone. | 0:06:17 | 0:06:19 | |
It just never came - I never received anything. | 0:06:19 | 0:06:21 | |
Sam says the debt has put his business at risk. | 0:06:21 | 0:06:25 | |
It's been a real issue, financially, with cash flow. | 0:06:25 | 0:06:27 | |
Running a small business is tough as it is. | 0:06:27 | 0:06:31 | |
Dealing with the cash flow, employing people, paying suppliers, | 0:06:31 | 0:06:36 | |
and I've had to put them on credit cards, | 0:06:36 | 0:06:37 | |
and I've been paying interest on them credit cards, | 0:06:37 | 0:06:40 | |
because the money that should have been there in 30 days - | 0:06:40 | 0:06:43 | |
it's been nearly a year. | 0:06:43 | 0:06:44 | |
Pull. | 0:06:45 | 0:06:46 | |
GUNSHOT | 0:06:50 | 0:06:51 | |
His fiancee, Emma, says it has taken its toll on Sam. | 0:06:52 | 0:06:56 | |
Sam's been quite frustrated. | 0:06:56 | 0:06:57 | |
It was quite a lot of money | 0:06:57 | 0:06:59 | |
for his business to have to cope with not having. | 0:06:59 | 0:07:02 | |
And so he's found it very stressful. | 0:07:02 | 0:07:06 | |
You kind of expect that everyone is the same as you are, | 0:07:06 | 0:07:09 | |
in the way that... | 0:07:09 | 0:07:11 | |
if you have some work done or buy some parts, you pay for them. | 0:07:11 | 0:07:16 | |
In desperation, Sam called Patrick Gardner and gave him an ultimatum. | 0:07:16 | 0:07:21 | |
I said "I'm going to have to take you to court if you don't pay me." | 0:07:21 | 0:07:25 | |
And he said, "Do what you've got to do." | 0:07:25 | 0:07:28 | |
So, reluctantly, Sam did just that. | 0:07:28 | 0:07:31 | |
I wasn't really sure what to expect. | 0:07:31 | 0:07:33 | |
In the end, it was just myself and the judge in the room - | 0:07:34 | 0:07:38 | |
there was no-one else in there. | 0:07:38 | 0:07:39 | |
Mr Gardner didn't attend the hearing, | 0:07:39 | 0:07:41 | |
but claimed that the money was owed not by him personally, | 0:07:41 | 0:07:44 | |
but by a limited company which had since been dissolved. | 0:07:44 | 0:07:48 | |
But Sam said he had no dealings with any company, | 0:07:48 | 0:07:51 | |
only with Mr Gardner. | 0:07:51 | 0:07:53 | |
At the point that I quoted, | 0:07:53 | 0:07:54 | |
he was quite happy just to do it between us two. | 0:07:54 | 0:07:58 | |
I didn't even know the company was in existence. | 0:07:58 | 0:08:02 | |
The judgment went in Sam's favour, but the money still didn't arrive. | 0:08:02 | 0:08:06 | |
So he's decided to call in the sheriffs. | 0:08:07 | 0:08:11 | |
I'd seen the programme on the telly, actually, | 0:08:11 | 0:08:13 | |
and how well and easily they get their money. | 0:08:13 | 0:08:16 | |
They've got the power just to go in there and take it, | 0:08:16 | 0:08:19 | |
rather than endless letters and 30 days here and 60 days there. | 0:08:19 | 0:08:23 | |
I'm confident that they will be able to do it. | 0:08:23 | 0:08:26 | |
If they can't, I don't really know where I'm going to go from there. | 0:08:26 | 0:08:29 | |
Sam's fiancee, Emma, has a special heartfelt plea for the sheriffs. | 0:08:30 | 0:08:35 | |
I just hope that the sheriffs can finally get the money | 0:08:35 | 0:08:38 | |
that Sam is owed back to him. | 0:08:38 | 0:08:40 | |
It's taken a long time, | 0:08:40 | 0:08:41 | |
and I'd just like to have happy Sam back again. | 0:08:41 | 0:08:45 | |
The amount owed, including fees, is... | 0:08:46 | 0:08:48 | |
It's right here where that sign is. | 0:08:56 | 0:08:58 | |
The sheriffs are approaching Patrick Gardner's farm, | 0:08:58 | 0:09:01 | |
and are on the lookout for assets they can remove. | 0:09:01 | 0:09:03 | |
Here we go. There's a Range Rover straight ahead. | 0:09:03 | 0:09:07 | |
An old army four-tonner. | 0:09:07 | 0:09:09 | |
There's also a Mercedes convertible | 0:09:09 | 0:09:11 | |
parked outside one of the farm buildings. | 0:09:11 | 0:09:14 | |
As they pull up and get out of the van, a man appears. | 0:09:15 | 0:09:19 | |
Hello, sir, I'm looking for a Patrick Gardner. | 0:09:19 | 0:09:21 | |
It's Mr Gardner himself. | 0:09:21 | 0:09:23 | |
He asks the sheriffs if they can come back another time. | 0:09:23 | 0:09:26 | |
We won't be coming back another time, sir, sorry. | 0:09:26 | 0:09:29 | |
He says he has a meeting, and can't see them today. | 0:09:29 | 0:09:32 | |
We're here on a High Court writ, sir. | 0:09:32 | 0:09:35 | |
Mr Gardner may have a meeting, but if he doesn't pay the money he owes, | 0:09:36 | 0:09:40 | |
the sheriffs will start removing assets. | 0:09:40 | 0:09:42 | |
Hi, sir, so what it is, we're High Court enforcement agents. | 0:09:44 | 0:09:47 | |
-Are you Patrick Gardner? -Yes. -You are? | 0:09:47 | 0:09:49 | |
Right, I've got a High Court writ. | 0:09:49 | 0:09:50 | |
At the moment, the balance outstanding is £9,287. | 0:09:50 | 0:09:54 | |
This came through when I was away... | 0:09:54 | 0:09:57 | |
-Right. -..and I've actually written down today | 0:09:57 | 0:10:00 | |
all the bits and pieces, cos it's going to be appealed. | 0:10:00 | 0:10:03 | |
Mr Gardner says he's applying to get the judgment set aside, | 0:10:03 | 0:10:07 | |
which, if successful, would mean the case having to be re-heard. | 0:10:07 | 0:10:11 | |
But that won't stop today's enforcement. | 0:10:11 | 0:10:13 | |
-Right, OK. -That's fine, sir, but we're still here | 0:10:13 | 0:10:16 | |
-on a High Court writ. -Well, it might be a High Court writ. | 0:10:16 | 0:10:19 | |
Would you like to go away? | 0:10:19 | 0:10:21 | |
At this point, Mr Gardner asks our cameraman | 0:10:21 | 0:10:24 | |
to stop filming and to leave, which he does. | 0:10:24 | 0:10:27 | |
Right, leave my property, then. | 0:10:27 | 0:10:29 | |
Mr Gardner says the money is owed by a limited company | 0:10:29 | 0:10:32 | |
that has since been dissolved. | 0:10:32 | 0:10:34 | |
But the sheriffs have a High Court writ | 0:10:34 | 0:10:36 | |
directly against Mr Gardner, | 0:10:36 | 0:10:38 | |
and not against the now dissolved company. | 0:10:38 | 0:10:40 | |
Mike and Billy are demanding payment in full. | 0:10:40 | 0:10:43 | |
The gentleman's a bit reluctant to pay at the minute. | 0:10:43 | 0:10:45 | |
He's advised that he's trying to get the judgment set aside, | 0:10:45 | 0:10:49 | |
so, therefore, he doesn't want to make a full payment. | 0:10:49 | 0:10:52 | |
The sheriffs are becoming impatient. | 0:10:52 | 0:10:54 | |
They give Mr Gardner a 40-minute deadline to pay up, | 0:10:54 | 0:10:57 | |
or they'll start removing assets. | 0:10:57 | 0:10:59 | |
Mike starts to count down the time using his smartphone. | 0:10:59 | 0:11:02 | |
Yeah, it's quite effective, cos he does get his phone out, | 0:11:02 | 0:11:06 | |
and kind of shove it in people's faces, | 0:11:06 | 0:11:08 | |
so he's really shown the gentleman, just a minute ago, | 0:11:08 | 0:11:10 | |
that the timer is set, and he's already a minute into it. | 0:11:10 | 0:11:14 | |
Mr Gardner goes back into his meeting, | 0:11:14 | 0:11:16 | |
but a short while later, he reappears. | 0:11:16 | 0:11:19 | |
We've had a discussion, gone round in circles again, | 0:11:19 | 0:11:22 | |
but he has decided to make the payment. | 0:11:22 | 0:11:24 | |
That's where we are at the moment. | 0:11:24 | 0:11:26 | |
He's looking now at, obviously, getting the funds together | 0:11:26 | 0:11:29 | |
so he can make the transfer. | 0:11:29 | 0:11:31 | |
We've had two gentlemen come up to us today, got a bit funny with us, | 0:11:32 | 0:11:36 | |
the usual stuff that we get, "How do you sleep at night?" | 0:11:36 | 0:11:40 | |
"You're the scum of the earth." Obviously, we've spoken to them, | 0:11:40 | 0:11:43 | |
and told them, look, end of the day, we're just here doing a job, | 0:11:43 | 0:11:46 | |
and if people paid their bills, then we wouldn't be here. | 0:11:46 | 0:11:49 | |
Yeah, it's calm and relaxed at the moment. | 0:11:49 | 0:11:51 | |
We're just, obviously, waiting on the defendant now | 0:11:51 | 0:11:53 | |
to make the payment. | 0:11:53 | 0:11:55 | |
Shortly after the 40-minute deadline expires, | 0:11:57 | 0:12:00 | |
the payment in full is completed. | 0:12:00 | 0:12:02 | |
We've had a cracking result today. | 0:12:02 | 0:12:04 | |
We've had a payment in full within 40-50 minutes, | 0:12:04 | 0:12:07 | |
nine grand paid, bank transfer, | 0:12:07 | 0:12:10 | |
and then £200 and something in cash, weren't it? | 0:12:10 | 0:12:13 | |
£287 cash. | 0:12:13 | 0:12:15 | |
Job done, get onto the next one. | 0:12:15 | 0:12:17 | |
As for the pheasants, they've wisely kept their heads down. | 0:12:19 | 0:12:22 | |
We saw one pheasant, that was on the way in. | 0:12:25 | 0:12:27 | |
But apparently he had 30,000 somewhere, | 0:12:27 | 0:12:30 | |
but where, I don't know. | 0:12:30 | 0:12:31 | |
The successful enforcement is good news for Sam Peacock. | 0:12:33 | 0:12:36 | |
More than a year after he first met Patrick Gardner, | 0:12:36 | 0:12:39 | |
he's finally got the money he's owed in full. | 0:12:39 | 0:12:42 | |
I'd like to thank the sheriffs for going in and helping me out | 0:12:42 | 0:12:46 | |
and collecting my money. They did a great job. | 0:12:46 | 0:12:49 | |
They've managed to retrieve all the money that was owed to me. | 0:12:49 | 0:12:52 | |
I've been able to pay off my suppliers, | 0:12:52 | 0:12:54 | |
and my cash flow's gone back down to where it should be. | 0:12:54 | 0:12:58 | |
And it's a happy ending all round for Sam, because, 12 months on, | 0:12:58 | 0:13:02 | |
he's not only got the money, he's also tied the knot. | 0:13:02 | 0:13:05 | |
-We've got married. -We got married at a church in the village... | 0:13:05 | 0:13:08 | |
-At a church. -..where... | 0:13:08 | 0:13:10 | |
I've been brought up in the village next to here. | 0:13:10 | 0:13:13 | |
The reception was at my parents' house, so it was nice and local. | 0:13:13 | 0:13:16 | |
We had a good day, so... | 0:13:16 | 0:13:19 | |
glad we did that! | 0:13:19 | 0:13:20 | |
SHE LAUGHS | 0:13:20 | 0:13:22 | |
Patrick Gardner told us... | 0:13:22 | 0:13:24 | |
Using the county courts to try and recover money you're owed | 0:13:33 | 0:13:36 | |
isn't difficult. | 0:13:36 | 0:13:37 | |
1.5 million money claims are paid every year in England and Wales, | 0:13:37 | 0:13:42 | |
involving anything from faulty goods | 0:13:42 | 0:13:44 | |
or poor workmanship to unpaid invoices. | 0:13:44 | 0:13:48 | |
Claims can be filed online or by post for a small fee. | 0:13:48 | 0:13:52 | |
Both parties in the case will be asked to submit evidence, | 0:13:52 | 0:13:55 | |
and you may have to attend a court hearing. | 0:13:55 | 0:13:57 | |
If you're successful, a County Court Judgment, or CCJ, | 0:13:57 | 0:14:01 | |
will be issued against the debtor. | 0:14:01 | 0:14:03 | |
If they still don't pay, that's when you call the sheriffs. | 0:14:03 | 0:14:07 | |
Today, High Court enforcement agents Rob Foster and Gerald Anderson | 0:14:11 | 0:14:15 | |
are pursuing a debt at a London car dealer. | 0:14:15 | 0:14:19 | |
It's likely there will be plenty of assets available | 0:14:19 | 0:14:21 | |
to help clear the debt, but Rob and Gerald know from experience | 0:14:21 | 0:14:25 | |
that establishing who owns those assets isn't always easy. | 0:14:25 | 0:14:29 | |
So, this morning, we're heading down to SK Motors in west London. | 0:14:29 | 0:14:33 | |
They sold a vehicle to our claimant. | 0:14:33 | 0:14:37 | |
It turned out to be a faulty vehicle - | 0:14:37 | 0:14:40 | |
gearbox had failed on it. | 0:14:40 | 0:14:41 | |
The car broke down after three days, | 0:14:41 | 0:14:44 | |
so the buyer returned it to the dealer and demanded his money back. | 0:14:44 | 0:14:48 | |
He didn't get it, so he took SK Motors to court. | 0:14:48 | 0:14:52 | |
A judgment was issued against them, | 0:14:52 | 0:14:54 | |
but the claimant still didn't get his money back, | 0:14:54 | 0:14:56 | |
so the sheriffs have been called in to recover the debt. | 0:14:56 | 0:15:00 | |
Today, SK Motors owes... | 0:15:00 | 0:15:01 | |
We're going to see if we can find SK Motors, | 0:15:06 | 0:15:08 | |
and see what assets they've got, | 0:15:08 | 0:15:10 | |
see if they're willing to pay it in full to avoid a removal. | 0:15:10 | 0:15:13 | |
Should be right over there somewhere. | 0:15:16 | 0:15:18 | |
The right address is easy to find, | 0:15:18 | 0:15:21 | |
but the sign says AK, and not SK Motors. | 0:15:21 | 0:15:24 | |
-What Motors is it? -AK Motors. | 0:15:24 | 0:15:27 | |
To confuse matters further, there's also a website address, | 0:15:27 | 0:15:30 | |
and that says SK Motors. | 0:15:30 | 0:15:33 | |
The sheriffs park outside and go into the premises | 0:15:33 | 0:15:35 | |
to find out who's really trading here. | 0:15:35 | 0:15:38 | |
Two or three of these cars would easily cover the debt, | 0:15:39 | 0:15:42 | |
but only if they belong to the debtor company, SK Motors. | 0:15:42 | 0:15:46 | |
The sheriffs have been given a name for the owner of SK Motors, | 0:15:46 | 0:15:50 | |
a Mr Mohammed Ishtiaq. | 0:15:50 | 0:15:53 | |
Hello, sir, you all right? | 0:15:53 | 0:15:54 | |
I'm an enforcement agent from the sheriffs' office. | 0:15:54 | 0:15:57 | |
I was looking for a Mohammed Ishtiaq... | 0:15:57 | 0:16:01 | |
Yeah, of SK Motors. Is he about? | 0:16:01 | 0:16:04 | |
Can you get hold of him on the phone? | 0:16:06 | 0:16:08 | |
Yeah? You've got his number, have you? | 0:16:09 | 0:16:11 | |
Do you want to try and give him a ring, explain we're here, | 0:16:11 | 0:16:13 | |
see if you can speak to him? Cos this is his business, isn't it? | 0:16:13 | 0:16:16 | |
The man seems to know Mr Ishtiaq, and agrees to call him. | 0:16:16 | 0:16:19 | |
Meanwhile, Gerald is doing a bit of detective work. | 0:16:20 | 0:16:24 | |
The S has been changed to an A. | 0:16:24 | 0:16:27 | |
You can see that the A has been hand painted on. | 0:16:27 | 0:16:29 | |
It's been a quick change. | 0:16:29 | 0:16:32 | |
The new sign isn't very convincing. | 0:16:32 | 0:16:35 | |
And there's more evidence that SK Motors is still here. | 0:16:35 | 0:16:39 | |
You can see an outline of the S there, underneath the A. | 0:16:40 | 0:16:43 | |
Gerald spots some intriguing paperwork through the office window. | 0:16:44 | 0:16:47 | |
There's also credit card receipts in the window there. | 0:16:47 | 0:16:52 | |
All done with SK Motors, Rob. | 0:16:52 | 0:16:54 | |
The man on the forecourt hands the phone to Rob. It's the boss. | 0:16:55 | 0:17:00 | |
He's insistent SK Motors is no longer trading here. | 0:17:00 | 0:17:04 | |
Yeah, but all the receipt tills and stuff, as of a couple of days ago, | 0:17:04 | 0:17:08 | |
that we can see through the window at reception, | 0:17:08 | 0:17:10 | |
are all still in the name of SK Motors. | 0:17:10 | 0:17:12 | |
Is there anything in the office, any paperwork in the office, | 0:17:12 | 0:17:14 | |
proving that it's AK Motors at the address? | 0:17:14 | 0:17:17 | |
Rob wants to know who owns the cars. | 0:17:17 | 0:17:20 | |
Can you provide all the purchase invoices for the vehicles, etc? | 0:17:20 | 0:17:23 | |
The man on the phone doesn't seem able to provide any paperwork, | 0:17:23 | 0:17:26 | |
but he does insist the cars belong to AK Motors. | 0:17:26 | 0:17:30 | |
Rob is not convinced. | 0:17:30 | 0:17:32 | |
You can say that, I understand that, | 0:17:32 | 0:17:33 | |
but we've seen no proof to that effect. | 0:17:33 | 0:17:37 | |
We believe SK Motors is still trading at the address. | 0:17:37 | 0:17:39 | |
In situations like this, | 0:17:39 | 0:17:41 | |
the sheriffs are entitled to take control of goods | 0:17:41 | 0:17:44 | |
they reasonably believe belong to the debtor. | 0:17:44 | 0:17:47 | |
The onus is on the debtor to prove otherwise, | 0:17:47 | 0:17:50 | |
and stop the goods being removed, | 0:17:50 | 0:17:52 | |
and that's the bombshell Rob's about to drop. | 0:17:52 | 0:17:54 | |
We're going to take a couple of the vehicles. All right? | 0:17:56 | 0:17:59 | |
We'll leave... Yeah, we'll take a couple of the vehicles. | 0:17:59 | 0:18:01 | |
We'll leave you the relevant documentation. | 0:18:01 | 0:18:03 | |
The man on the phone doesn't sound happy. | 0:18:03 | 0:18:06 | |
I can assure you I can. We will remove vehicles now. | 0:18:06 | 0:18:09 | |
Unless this is either paid, or we receive proof of ownership | 0:18:09 | 0:18:13 | |
for every vehicle here. | 0:18:13 | 0:18:14 | |
The truth is, Rob doesn't want to remove any assets. | 0:18:14 | 0:18:18 | |
He's hoping the threat of removal | 0:18:18 | 0:18:20 | |
will be enough to persuade the man on the phone to pay the debt. | 0:18:20 | 0:18:23 | |
The sheriffs are entitled to do a diligent search | 0:18:26 | 0:18:29 | |
of a debtor's premises, | 0:18:29 | 0:18:30 | |
so while Rob's laying down the law, Gerald's looking for evidence. | 0:18:30 | 0:18:34 | |
It's not long before he finds more paperwork | 0:18:35 | 0:18:38 | |
confirming the sheriffs' suspicions. | 0:18:38 | 0:18:41 | |
-Rob? -Yeah? | 0:18:41 | 0:18:42 | |
There's an invoice here from Euro Car Parts to SK Motors. | 0:18:42 | 0:18:47 | |
For Rob, it's the final straw. | 0:18:47 | 0:18:50 | |
Right, OK. Today, at this time, all goods are going to be removed. | 0:18:50 | 0:18:53 | |
We've just found a delivery invoice | 0:18:53 | 0:18:55 | |
for parts delivered to SK Motors today. | 0:18:55 | 0:18:58 | |
Yeah. You're still trading as SK, so all goods are going to be removed | 0:18:58 | 0:19:01 | |
unless this balance is settled. | 0:19:01 | 0:19:03 | |
He's claiming that SK Motors is no longer at the address, | 0:19:03 | 0:19:07 | |
and it's all AK Motors Ealing, and it's all his company. | 0:19:07 | 0:19:10 | |
But he won't give me his name, he won't give me his details, | 0:19:10 | 0:19:13 | |
just states that he's away at the moment, | 0:19:13 | 0:19:15 | |
but will be sending through proof in due course. | 0:19:15 | 0:19:19 | |
Obviously, Mr Anderson has now found relevant paperwork | 0:19:19 | 0:19:22 | |
showing that the defendant company is still receiving goods here. | 0:19:22 | 0:19:25 | |
So, at this time, we're perfectly happy to continue. | 0:19:25 | 0:19:28 | |
Later, the sheriffs set about removing three cars. | 0:19:29 | 0:19:33 | |
-This is all right. It's a 59 plate. -Grand and a half, two grand? | 0:19:33 | 0:19:37 | |
But the keys are locked away in the office. | 0:19:37 | 0:19:40 | |
I've tried pressing them with different numbers, but, er... | 0:19:40 | 0:19:42 | |
..no joy. | 0:19:44 | 0:19:45 | |
Compensation for flight delays has become a hot consumer topic. | 0:19:53 | 0:19:57 | |
Under EU rules, | 0:19:58 | 0:19:59 | |
airline passengers may be entitled to make a claim | 0:19:59 | 0:20:02 | |
if their flight is delayed for more than three hours, or cancelled. | 0:20:02 | 0:20:05 | |
If the airline doesn't pay what's due, | 0:20:06 | 0:20:09 | |
the claim can be pursued through the courts. | 0:20:09 | 0:20:11 | |
If they still don't pay, the sheriffs can be called in. | 0:20:11 | 0:20:15 | |
Today, Rob has teamed up | 0:20:15 | 0:20:16 | |
with High Court enforcement agent Lawrence Gricks, | 0:20:16 | 0:20:19 | |
and they've got a few travel problems of their own. | 0:20:19 | 0:20:22 | |
I try and avoid driving in central London | 0:20:22 | 0:20:26 | |
during the day as much as I can. | 0:20:26 | 0:20:28 | |
If I'm coming into central London, I'll try and get in there early, | 0:20:28 | 0:20:33 | |
or maybe a bit later in the day. | 0:20:33 | 0:20:34 | |
Ideally, missing either sides of the rush hour in the day itself. | 0:20:35 | 0:20:39 | |
Lawrence and Rob are heading to the UK offices | 0:20:40 | 0:20:43 | |
of Spain's third-largest airline, Air Europa. | 0:20:43 | 0:20:47 | |
The airline was taken to court after failing to pay compensation | 0:20:47 | 0:20:50 | |
to a group of passengers. | 0:20:50 | 0:20:52 | |
They were delayed for four and a half hours | 0:20:52 | 0:20:55 | |
on a flight back to the UK after a holiday in Majorca. | 0:20:55 | 0:20:58 | |
Today, Air Europa owes a total of... | 0:20:58 | 0:21:01 | |
The airline's UK office is in Chelsea Harbour, | 0:21:05 | 0:21:08 | |
but getting there isn't easy, | 0:21:08 | 0:21:09 | |
because the roads around the harbour | 0:21:09 | 0:21:12 | |
are intended for permit holders only. | 0:21:12 | 0:21:14 | |
Just go up to the barrier and say you've got a High Court writ. | 0:21:14 | 0:21:17 | |
A passing moped finds a quick way round the security barrier. | 0:21:17 | 0:21:21 | |
-Or get on your moped. -I'll do that. | 0:21:21 | 0:21:23 | |
Rob's going to have to do it the hard way. | 0:21:23 | 0:21:25 | |
Hello, yeah. We've got a high... | 0:21:26 | 0:21:28 | |
We've got a High Court writ to enforce. | 0:21:28 | 0:21:30 | |
We're heading to the boulevard. | 0:21:30 | 0:21:31 | |
The sheriffs normally expect - and get - access all areas. | 0:21:31 | 0:21:35 | |
Yeah, we've got a High Court writ to enforce. | 0:21:35 | 0:21:38 | |
But Rob isn't having much luck | 0:21:38 | 0:21:39 | |
with the man operating the security barrier. | 0:21:39 | 0:21:42 | |
Yes, no, I understand that. | 0:21:42 | 0:21:44 | |
We've got a High Court writ that allows us entry. | 0:21:44 | 0:21:46 | |
He isn't letting them in. | 0:21:50 | 0:21:52 | |
Completing the journey on foot looks like the easiest option. | 0:21:52 | 0:21:55 | |
All right, I can't hear what you're saying, anyway, so... | 0:21:55 | 0:21:58 | |
Parking's a nightmare, | 0:22:02 | 0:22:04 | |
so Rob drops Lawrence off to go and enforce the writ. | 0:22:04 | 0:22:08 | |
-We're here at the moment. -Right, yeah, I've got it. | 0:22:08 | 0:22:10 | |
Go up. Go up to the water and turn right, | 0:22:10 | 0:22:13 | |
and then come back on yourself. | 0:22:13 | 0:22:14 | |
Yeah. Straight across that roundabout, | 0:22:14 | 0:22:16 | |
and straight over there. Should say about 260 yards, or something. | 0:22:16 | 0:22:19 | |
It sounds straightforward, | 0:22:19 | 0:22:21 | |
and Lawrence is confident he'll be there in no time. | 0:22:21 | 0:22:24 | |
Four minutes. 0.2 miles. | 0:22:24 | 0:22:27 | |
I'm sure I can walk that far. | 0:22:27 | 0:22:29 | |
All right, mate, see you in a minute. | 0:22:29 | 0:22:31 | |
Lawrence is using an app on his phone specially designed | 0:22:31 | 0:22:34 | |
to make sure he doesn't get lost. | 0:22:34 | 0:22:36 | |
At least that's the idea. | 0:22:36 | 0:22:38 | |
I appear to be going the wrong direction at the moment. | 0:22:38 | 0:22:41 | |
He seems to be going round in circles. | 0:22:44 | 0:22:47 | |
I don't seem to be getting any closer at the moment! | 0:22:47 | 0:22:49 | |
What should have been an easy stroll round the harbour | 0:22:51 | 0:22:53 | |
is becoming a marathon. | 0:22:53 | 0:22:55 | |
Finally, he finds the office block | 0:22:59 | 0:23:02 | |
that's the London home to Air Europa. | 0:23:02 | 0:23:04 | |
No, not the easiest of places to find. | 0:23:04 | 0:23:06 | |
Hopefully, we're in... A-ha. There we go. | 0:23:08 | 0:23:11 | |
Hello, my name's Mr Gricks. I'm an enforcement agent. | 0:23:11 | 0:23:13 | |
I have a High Court writ to execute against Air Europa. | 0:23:13 | 0:23:16 | |
There's no response from the intercom, | 0:23:19 | 0:23:21 | |
so Lawrence tries the door. | 0:23:21 | 0:23:22 | |
He's in. | 0:23:24 | 0:23:25 | |
Now all Lawrence needs to do is find suite eight, | 0:23:25 | 0:23:28 | |
the Air Europa office. | 0:23:28 | 0:23:29 | |
After all that walking, he decides to take the lift. | 0:23:31 | 0:23:34 | |
But it's one of those days. | 0:23:34 | 0:23:37 | |
The lift doesn't appear to be working, | 0:23:37 | 0:23:38 | |
so I'm going to go up the stairs. I've got no... | 0:23:38 | 0:23:40 | |
No idea which floor suite eight's on. | 0:23:40 | 0:23:43 | |
It'd be too simple for it to be on the eighth floor, I suppose, but... | 0:23:43 | 0:23:46 | |
Looks like we've got to walk. | 0:23:46 | 0:23:47 | |
This enforcement business can be an uphill struggle sometimes. | 0:23:47 | 0:23:51 | |
Finally, Air Europa. | 0:23:53 | 0:23:55 | |
Who's in charge? I'm an enforcement agent. | 0:23:58 | 0:24:02 | |
I've got a High Court writ to execute | 0:24:02 | 0:24:04 | |
against Air Europa Lineas Aereas. | 0:24:04 | 0:24:07 | |
Somebody's aware of it, because they e-mailed us about it. | 0:24:08 | 0:24:11 | |
Air Europa has been in touch with the sheriffs | 0:24:12 | 0:24:15 | |
promising to make a payment in full, but the money hasn't arrived. | 0:24:15 | 0:24:19 | |
Somebody said they were going to pay it yesterday, and they didn't. | 0:24:19 | 0:24:22 | |
I've checked before I've come here, | 0:24:22 | 0:24:23 | |
and it hasn't been paid today, either. | 0:24:23 | 0:24:25 | |
The sheriff's office had given the airline seven days to pay the debt, | 0:24:25 | 0:24:29 | |
but they didn't, and that's why Lawrence is here. | 0:24:29 | 0:24:33 | |
-Right, well, the amount is £1,745.22. -Yeah. | 0:24:33 | 0:24:37 | |
I need to be able to see it in our account before I leave this office. | 0:24:37 | 0:24:40 | |
Yeah. | 0:24:40 | 0:24:41 | |
Lawrence is shown to a waiting room, | 0:24:41 | 0:24:42 | |
but he's hoping there won't be too much actual waiting involved. | 0:24:42 | 0:24:45 | |
Right. | 0:24:51 | 0:24:52 | |
But they're doing it now... | 0:24:52 | 0:24:53 | |
The payment's due to be made from Air Europa's head office in Spain, | 0:24:53 | 0:24:57 | |
but there's a delay, and when Lawrence gets wind of it, | 0:24:57 | 0:25:00 | |
he's far from impressed. | 0:25:00 | 0:25:03 | |
It seems the only person who can authorise the payment | 0:25:03 | 0:25:06 | |
is not at his desk - he's on his lunch break. | 0:25:06 | 0:25:09 | |
I'm not here to wait for somebody to have lunch in Spain. | 0:25:09 | 0:25:12 | |
Looking for what? | 0:25:16 | 0:25:17 | |
So, there's only one person that can do it, is there? | 0:25:20 | 0:25:23 | |
Yeah, but I've been here 50 minutes now. | 0:25:29 | 0:25:31 | |
I'm not here to wait for somebody to have their lunch in Spain. | 0:25:32 | 0:25:35 | |
Another 20 minutes, and Lawrence is still waiting. | 0:25:39 | 0:25:42 | |
The company's UK director, a Mr Colin Stewart, | 0:25:44 | 0:25:47 | |
suddenly appears, and he's got an update. | 0:25:47 | 0:25:49 | |
How are you doing? | 0:25:49 | 0:25:52 | |
-Colin Stewart, director. -All right, mate? -Are you all right? -Yeah. | 0:25:52 | 0:25:55 | |
Just an update from Arturo, he's spoken to head office. | 0:25:55 | 0:25:57 | |
Well, that's not good enough. I've been here for an hour now. | 0:26:08 | 0:26:11 | |
I'm not here to wait an hour and 45 minutes | 0:26:11 | 0:26:14 | |
so somebody can come off their lunch break in Spain | 0:26:14 | 0:26:16 | |
and make a payment. Somebody needs to make the payment. | 0:26:16 | 0:26:19 | |
We're chasing them. We want to get it done. | 0:26:19 | 0:26:21 | |
We want to get it paid. It's going to be paid. | 0:26:21 | 0:26:23 | |
It's just literally the person is not there. | 0:26:23 | 0:26:25 | |
And so they'll be back in 45 minutes, | 0:26:25 | 0:26:26 | |
and they'll have the payment... | 0:26:26 | 0:26:28 | |
So there's only one person that can make it? | 0:26:28 | 0:26:30 | |
You, as director in this country, haven't got... | 0:26:30 | 0:26:32 | |
-Not the authority. -..the authority to make a payment? | 0:26:32 | 0:26:34 | |
Not for the customer service claims. | 0:26:34 | 0:26:37 | |
That's done by head office in Spain, | 0:26:37 | 0:26:40 | |
but it will be done, and it's going to be paid, | 0:26:40 | 0:26:43 | |
and so it's just a matter of... | 0:26:43 | 0:26:44 | |
That's the earliest we can get that done, so... | 0:26:44 | 0:26:46 | |
Two-hour lunch breaks in Spain, then. | 0:26:46 | 0:26:48 | |
Clearly. | 0:26:50 | 0:26:52 | |
The only reason Lawrence is here at all | 0:26:52 | 0:26:53 | |
is because the airline has failed to pay the compensation that's due. | 0:26:53 | 0:26:58 | |
As to whose fault that is, | 0:26:58 | 0:27:00 | |
it seems the blame for the plane lies mainly in Spain. | 0:27:00 | 0:27:03 | |
We are happy to pay for this claim that's been put through to us. | 0:27:03 | 0:27:08 | |
Here in the UK, we look after the commercial side of the business, | 0:27:08 | 0:27:12 | |
not necessarily the claims side of it, | 0:27:12 | 0:27:14 | |
which is done in our head office. | 0:27:14 | 0:27:16 | |
And so the team's working hard here today to speak with head office | 0:27:16 | 0:27:19 | |
to get this resolved as soon as possible. | 0:27:19 | 0:27:22 | |
Half an hour later, confirmation finally comes through. | 0:27:24 | 0:27:28 | |
-Is it done? -It is done. | 0:27:29 | 0:27:31 | |
Lunchtime is officially over, and payment has been made in full. | 0:27:31 | 0:27:35 | |
Yeah, that's in. Full receipt, it is. | 0:27:35 | 0:27:38 | |
-Right. Thank you very much for speeding them up. -Thank you. | 0:27:40 | 0:27:43 | |
And I'll write out the receipt. | 0:27:43 | 0:27:44 | |
Sorry to have kept you waiting, but at least it's done now. | 0:27:44 | 0:27:48 | |
Yeah, all done, lovely. | 0:27:48 | 0:27:50 | |
It's taken an hour and a half, | 0:27:50 | 0:27:52 | |
but Lawrence's job is done, and he can now leave... | 0:27:52 | 0:27:55 | |
as soon as he can remember the way out. | 0:27:55 | 0:27:58 | |
Where's the stairs? | 0:27:58 | 0:27:59 | |
That was fairly straightforward, if not a bit time-consuming. | 0:28:01 | 0:28:05 | |
I believe it was siesta time, because it took an hour and a half. | 0:28:05 | 0:28:09 | |
The director at this end actually personally chased, in the end, | 0:28:09 | 0:28:12 | |
to get the payment done, | 0:28:12 | 0:28:14 | |
so, it was longer than I'd have liked to have been there, | 0:28:14 | 0:28:16 | |
but at the end of the day, it was fairly straightforward. | 0:28:16 | 0:28:19 | |
All we just had to do was sit and wait for the money. | 0:28:19 | 0:28:22 | |
For the passengers whose flight home was badly delayed, it's good news. | 0:28:22 | 0:28:26 | |
They've now received the compensation they're owed in full. | 0:28:26 | 0:28:30 | |
If you've won a county court judgment and haven't been paid, | 0:28:41 | 0:28:44 | |
for £66, you can get the case transferred up to the High Court, | 0:28:44 | 0:28:49 | |
which will issue a writ for enforcement by the sheriffs. | 0:28:49 | 0:28:53 | |
Hello? I'm an enforcement agent. I'm enforcing a High Court writ. | 0:28:53 | 0:28:56 | |
I'm here just to execute the court order. | 0:28:56 | 0:28:58 | |
They've got more powers than county court bailiffs. | 0:28:58 | 0:29:01 | |
We're going to force entry into the shop | 0:29:01 | 0:29:02 | |
in about the next 10, 15 minutes. | 0:29:02 | 0:29:04 | |
I have the right under the writ to investigate. | 0:29:04 | 0:29:07 | |
If you obstruct myself or my colleague, | 0:29:07 | 0:29:10 | |
it is a criminal offence. | 0:29:10 | 0:29:12 | |
And there's no limit to the size of the debts they can pursue. | 0:29:12 | 0:29:15 | |
£14 million - it's the largest job I've ever done. | 0:29:16 | 0:29:19 | |
You can pay directly into our account from Spain. | 0:29:19 | 0:29:22 | |
If they're successful, | 0:29:22 | 0:29:23 | |
they will recover your money and costs from the debtor... | 0:29:23 | 0:29:27 | |
-Thanks. -Thank you. | 0:29:27 | 0:29:28 | |
..as well as their own fees that are set by the Government. | 0:29:28 | 0:29:31 | |
It was that amount there until half past five. | 0:29:31 | 0:29:35 | |
I don't stand here for three hours for nothing. | 0:29:35 | 0:29:37 | |
If the sheriffs can't get your money, | 0:29:37 | 0:29:39 | |
they'll ask you to pay a fee of £75 plus VAT. | 0:29:39 | 0:29:43 | |
Back in west London, enforcement agents Rob Foster | 0:29:49 | 0:29:51 | |
and Gerald Anderson are pursuing SK Motors for an unpaid debt of £2,353. | 0:29:51 | 0:29:59 | |
The owner is refusing to pay, and says his business is AK Motors, | 0:30:01 | 0:30:05 | |
and nothing to do with SK Motors. | 0:30:05 | 0:30:07 | |
He's claiming that SK Motors is no longer at the address, | 0:30:09 | 0:30:13 | |
and it's all AK Motors Ealing, and it's all his company. | 0:30:13 | 0:30:16 | |
Rob and Gerald aren't convinced. | 0:30:16 | 0:30:19 | |
The S has been changed to an A. | 0:30:19 | 0:30:20 | |
You can see that the A has been hand painted on. | 0:30:21 | 0:30:24 | |
It's been a quick change. | 0:30:24 | 0:30:26 | |
Mr Anderson has now found relevant paperwork | 0:30:26 | 0:30:28 | |
showing that the defendant company is still receiving goods here, | 0:30:28 | 0:30:32 | |
so I've given him one last chance to either settle the matter, | 0:30:32 | 0:30:34 | |
or we'll be removing goods. | 0:30:34 | 0:30:36 | |
It looks as if the debt isn't going to be paid. | 0:30:36 | 0:30:39 | |
So the sheriffs are planning to take control of assets. | 0:30:39 | 0:30:42 | |
The plan is to remove cars and sell them at a public auction. | 0:30:42 | 0:30:46 | |
Firstly, Rob and Gerald need to be sure the cars they remove | 0:30:47 | 0:30:50 | |
will cover not only the debt, | 0:30:50 | 0:30:52 | |
but also the additional removal and auction fees. | 0:30:52 | 0:30:55 | |
What are we looking at, value-wise? | 0:30:55 | 0:30:58 | |
This is all right. It's a 59 plate. | 0:30:58 | 0:31:00 | |
You're probably looking at £1,200-1,500. | 0:31:00 | 0:31:03 | |
Even though they're not in the motor trade, | 0:31:03 | 0:31:06 | |
years of experience have made them acutely aware | 0:31:06 | 0:31:09 | |
of how much cars will fetch at auction. | 0:31:09 | 0:31:11 | |
-an '07 BM... -'O7 BM... -Grand and a half, two grand? | 0:31:11 | 0:31:15 | |
-What's he got written up on the windscreen? -Six and a half. | 0:31:15 | 0:31:18 | |
Six and a half is nowhere near a realistic price | 0:31:18 | 0:31:21 | |
-Probably... -..for an '07 or 57 plate BMW. | 0:31:21 | 0:31:24 | |
They've got a Honda Civic on an '09. | 0:31:24 | 0:31:27 | |
We might and up taking three or four here. | 0:31:27 | 0:31:29 | |
They settle on three vehicles. | 0:31:29 | 0:31:31 | |
I need to get in that office and get the keys. | 0:31:31 | 0:31:33 | |
Without the keys, | 0:31:33 | 0:31:34 | |
the cars will fetch far less than their trade price. | 0:31:34 | 0:31:37 | |
But there's a problem - they're locked inside the office. | 0:31:37 | 0:31:40 | |
I've tried pressing a number of different numbers on there, | 0:31:42 | 0:31:45 | |
the normal ones that people use, but no. | 0:31:45 | 0:31:49 | |
I've had no joy. | 0:31:49 | 0:31:50 | |
Rob and Gerald ask for the code to get in, | 0:31:50 | 0:31:53 | |
but neither the man at the premises nor the man on the phone | 0:31:53 | 0:31:56 | |
are prepared to help. | 0:31:56 | 0:31:58 | |
So he's not going to give the code to the office? | 0:31:58 | 0:32:00 | |
-No, no. -All right. | 0:32:00 | 0:32:01 | |
The sheriffs have the power to force entry to a commercial premises, | 0:32:01 | 0:32:05 | |
and that includes getting through locked doors by whatever means. | 0:32:05 | 0:32:08 | |
Rather than wait for a locksmith, Rob's using an old card trick. | 0:32:10 | 0:32:13 | |
HE CHUCKLES | 0:32:19 | 0:32:21 | |
I'm starting to worry about your background! | 0:32:21 | 0:32:24 | |
THEY CHUCKLE | 0:32:24 | 0:32:25 | |
Oi, all the keys. | 0:32:25 | 0:32:26 | |
As well as the car keys, | 0:32:26 | 0:32:28 | |
they find paperwork that confirms their suspicions. | 0:32:28 | 0:32:31 | |
The debtor company, SK Motors, is still trading here, | 0:32:31 | 0:32:35 | |
despite what they've been told. | 0:32:35 | 0:32:36 | |
We've got the transferring of a vehicle to a motor trade | 0:32:36 | 0:32:39 | |
received by SK Motors. | 0:32:39 | 0:32:41 | |
Right, there's the deposit there, stamped SK Motors. | 0:32:42 | 0:32:46 | |
Card machine receipt for £2,000, SK Motors. | 0:32:47 | 0:32:50 | |
The purchase invoices, the sales invoices, | 0:32:50 | 0:32:53 | |
are stamped, and in the name of SK Motors. | 0:32:53 | 0:32:56 | |
If they don't pay, then we're going to start removal. | 0:32:56 | 0:32:59 | |
Gerald checks he's got the right keys. | 0:32:59 | 0:33:02 | |
That sounds like the BM for me. | 0:33:04 | 0:33:06 | |
And that's that one. | 0:33:10 | 0:33:11 | |
And satisfied that removal is now their only option, | 0:33:11 | 0:33:14 | |
he makes the call for a recovery truck. | 0:33:14 | 0:33:17 | |
OK, cheers. Thanks. Bye-bye. Bye. | 0:33:17 | 0:33:20 | |
Recovery is on its way now. | 0:33:20 | 0:33:22 | |
The problem is, when recovering cars, | 0:33:22 | 0:33:25 | |
it's usually quite a difficult operation. | 0:33:25 | 0:33:27 | |
They're costly to remove, | 0:33:27 | 0:33:28 | |
cos you've got to get a lorry here that can actually drag them on, | 0:33:28 | 0:33:31 | |
just in case they are non-runners. | 0:33:31 | 0:33:32 | |
Fortunately, we've got the keys, which will ease it, | 0:33:32 | 0:33:35 | |
but it's still going to be a large lorry for three cars. | 0:33:35 | 0:33:37 | |
It's then got to go to the auction, | 0:33:37 | 0:33:39 | |
so we've got to pay the auctions to store the cars. | 0:33:39 | 0:33:42 | |
They aren't just any old auctions - | 0:33:42 | 0:33:44 | |
you have to take it somewhere that's secure. | 0:33:44 | 0:33:47 | |
But all those costs of removing the vehicles to cover the debt | 0:33:47 | 0:33:50 | |
aren't Rob's problem. | 0:33:50 | 0:33:51 | |
When the sheriffs' visits escalate to the removal of goods stage, | 0:33:51 | 0:33:56 | |
the extra fees go onto the debtor's bill. | 0:33:56 | 0:33:58 | |
It would've been a payment of maybe £2,300, or thereabouts, | 0:34:00 | 0:34:02 | |
and that would have been the matter settled. | 0:34:02 | 0:34:04 | |
As it stands, at the moment, because we've gone up through the stages, | 0:34:04 | 0:34:08 | |
and because we've ordered a recovery truck, | 0:34:08 | 0:34:11 | |
because they weren't being in contact with us, | 0:34:11 | 0:34:13 | |
they weren't trying to settle this matter with us, | 0:34:13 | 0:34:15 | |
in total, the balance now is £4,303. | 0:34:15 | 0:34:19 | |
He needs to clear that amount to stop these cars being taken. | 0:34:19 | 0:34:22 | |
Suddenly, the boss is back on the phone, | 0:34:24 | 0:34:26 | |
and asking for more information. | 0:34:26 | 0:34:28 | |
Rob breaks the news to him about the extra fees | 0:34:36 | 0:34:39 | |
that have been incurred since the morning. | 0:34:39 | 0:34:41 | |
That's the balance. If he pays that now, we stop. | 0:34:41 | 0:34:44 | |
If he solves that, then that's done. | 0:34:44 | 0:34:45 | |
If he wants to pay it, that's it, we finish, we go. | 0:34:45 | 0:34:48 | |
With the total amount owed now standing at more than £4,300, | 0:34:48 | 0:34:52 | |
Rob's not counting his chickens. | 0:34:52 | 0:34:55 | |
I'm not holding my hopes up. We're not going to cancel the truck | 0:34:55 | 0:34:57 | |
or anything like that. Let's see what he does. | 0:34:57 | 0:35:00 | |
-If need be, we'll get a link to him, or he can pay online. -Yeah. | 0:35:00 | 0:35:04 | |
If it's a genuine change of heart, and they do now intend to pay, | 0:35:06 | 0:35:10 | |
SK Motors will have to be quick about it. | 0:35:10 | 0:35:13 | |
The removal truck is already en route. | 0:35:13 | 0:35:15 | |
As the sheriffs wait to see which happens first - | 0:35:16 | 0:35:19 | |
the truck or the payment - a man enters the garage. | 0:35:19 | 0:35:22 | |
Who's this? He hasn't a come to look for a car, has he? | 0:35:25 | 0:35:29 | |
With the sheriffs' attention elsewhere, | 0:35:29 | 0:35:31 | |
the man who works here has just made a sale, | 0:35:31 | 0:35:33 | |
but it's unlikely the money will go towards | 0:35:33 | 0:35:36 | |
paying off the High Court writ. | 0:35:36 | 0:35:38 | |
He's just sold a car. | 0:35:38 | 0:35:40 | |
He's just been paid cash for it, | 0:35:40 | 0:35:41 | |
but won't tell me how much, or where it is. | 0:35:41 | 0:35:44 | |
I believe that's possibly SK Motors' money. | 0:35:45 | 0:35:47 | |
Unfortunately, I can't pin somebody to the floor, | 0:35:47 | 0:35:49 | |
and take cash out their pocket. | 0:35:49 | 0:35:51 | |
If he's got cash in his pocket, it's in there for the time being. | 0:35:51 | 0:35:55 | |
It's back to plan A - the removal of assets. | 0:35:55 | 0:35:58 | |
Finally, the truck arrives. | 0:35:59 | 0:36:01 | |
Yeah, this is our man. | 0:36:02 | 0:36:05 | |
Hopefully, get all these three cars loaded up onto his lorry, | 0:36:05 | 0:36:08 | |
and get them gone now, and get away from here as quickly as possible. | 0:36:08 | 0:36:11 | |
We've got other things to do. | 0:36:11 | 0:36:13 | |
Hello, mate. You all right? | 0:36:13 | 0:36:15 | |
That's one vehicle down so far, on the top of his lorry, | 0:36:15 | 0:36:18 | |
two more to go. | 0:36:18 | 0:36:20 | |
Two down, one to go. | 0:36:20 | 0:36:22 | |
Yeah, just watch that side, as well. | 0:36:22 | 0:36:25 | |
It's a tight squeeze, but in no time at all, | 0:36:26 | 0:36:29 | |
there's a large gap in the front of SK Motors' forecourt. | 0:36:29 | 0:36:33 | |
Unfortunately, on this job, we've had little choice. | 0:36:35 | 0:36:37 | |
The defendant nor the occupant of the property | 0:36:37 | 0:36:39 | |
wanted to correspond with us at all on this matter. | 0:36:39 | 0:36:42 | |
Therefore we've had to resort to actually removing. | 0:36:42 | 0:36:45 | |
Could've been better, we could've had payment, | 0:36:45 | 0:36:47 | |
but one way or the other, we will get it sorted. | 0:36:47 | 0:36:50 | |
Gerald is in no doubt that Rob's lock-picking skills | 0:36:50 | 0:36:53 | |
made the difference today. | 0:36:53 | 0:36:56 | |
Getting in the office like that, | 0:36:56 | 0:36:57 | |
that was the final nail in the coffin, | 0:36:57 | 0:37:00 | |
once we then managed to gather the evidence from within the office. | 0:37:00 | 0:37:03 | |
So the boy done good getting in there. | 0:37:03 | 0:37:05 | |
Doesn't always work as easy as that. | 0:37:05 | 0:37:07 | |
It doesn't always work at all, but on this occasion it did, | 0:37:07 | 0:37:09 | |
and it saved us a lot of time and a lot of hassle. | 0:37:09 | 0:37:12 | |
We've been here for over four hours. Numerous phone calls made, | 0:37:12 | 0:37:15 | |
numerous chances to provide proof or to make payment, | 0:37:15 | 0:37:18 | |
nothing forthcoming. Last resort, removing the vehicles. | 0:37:18 | 0:37:22 | |
Job's done. They're just about to go. That's this one wrapped up. | 0:37:22 | 0:37:25 | |
Three cars leave on their way to auction, | 0:37:27 | 0:37:30 | |
but, two days later, SK Motors paid the debt in full, | 0:37:30 | 0:37:34 | |
including the extra removal and storage costs, | 0:37:34 | 0:37:38 | |
and the cars were returned. | 0:37:38 | 0:37:39 | |
Thanks to the sheriffs, the claimant finally got the money he was due. | 0:37:39 | 0:37:44 | |
Many small independent retailers are struggling to cope | 0:37:57 | 0:38:00 | |
with rising overheads and increasing competition | 0:38:00 | 0:38:03 | |
in the form of online shopping. | 0:38:03 | 0:38:06 | |
But no matter how tough it gets, | 0:38:06 | 0:38:07 | |
if they want to keep trading, they must pay their suppliers. | 0:38:07 | 0:38:11 | |
This morning, enforcement agents Tommy Coyle and Jon Farley | 0:38:12 | 0:38:15 | |
are heading to the cathedral city of Winchester in Hampshire | 0:38:15 | 0:38:19 | |
in pursuit of an unpaid debt. | 0:38:19 | 0:38:23 | |
Going to a company called Double Amount Limited, | 0:38:23 | 0:38:25 | |
trading as Cadogan and Company. | 0:38:25 | 0:38:27 | |
It's an upmarket fashion retailer. | 0:38:27 | 0:38:30 | |
They've been taken to court by a supplier over an unpaid invoice. | 0:38:30 | 0:38:34 | |
The court ordered the retailer to pay, but they didn't, | 0:38:34 | 0:38:37 | |
and now the sheriffs are going to collect the debt or seize assets. | 0:38:37 | 0:38:41 | |
We're looking for around £2,700 today. | 0:38:41 | 0:38:45 | |
There should be a lot of assets there. | 0:38:46 | 0:38:48 | |
Had a look on the internet - it's a double-fronted shop in a nice area. | 0:38:48 | 0:38:52 | |
Looks good, so hopefully, there's plenty of assets there - | 0:38:52 | 0:38:55 | |
if they don't want to pay, we can look at removing. | 0:38:55 | 0:38:57 | |
The amount owed today is... | 0:38:58 | 0:39:00 | |
The most valuable goods are likely to be the shop's stock, | 0:39:05 | 0:39:08 | |
and, luckily, Jon considers himself something of a sartorial expert. | 0:39:08 | 0:39:12 | |
Yeah, I like my clothes. I like my fashion. | 0:39:12 | 0:39:15 | |
I like to look smart, try and look good as much as I can. | 0:39:15 | 0:39:18 | |
Jon doesn't get to show off much at work, but for Tommy, | 0:39:19 | 0:39:23 | |
the sheriffs' regulation black garb is a blessing. | 0:39:23 | 0:39:26 | |
Yeah, I ain't the best with fashion. | 0:39:26 | 0:39:28 | |
The girlfriend has to dress me when we go out. | 0:39:28 | 0:39:31 | |
Generally, if I get myself ready, | 0:39:31 | 0:39:34 | |
she will laugh, and then get angry, and say I'm not coming with her. | 0:39:34 | 0:39:39 | |
HE LAUGHS | 0:39:39 | 0:39:41 | |
The shop is in a prime location, | 0:39:43 | 0:39:45 | |
situated in the historic city centre, and close to the cathedral. | 0:39:45 | 0:39:48 | |
It's nice, isn't it? I'm very impressed. | 0:39:49 | 0:39:52 | |
-There's a museum here. -Yeah. I'm always up for being educated. | 0:39:52 | 0:39:57 | |
-There - Cadogan. -There we go, it's open. That's perfect. | 0:39:57 | 0:40:00 | |
The sheriffs park outside, and head in. | 0:40:02 | 0:40:05 | |
It's time for Double Amount to pay up in double time. | 0:40:05 | 0:40:08 | |
Hello. Oh, hello, sir. | 0:40:09 | 0:40:12 | |
Double Amount Limited, trading as Cadogan and Company? | 0:40:12 | 0:40:16 | |
Is it yourselves? Do you want to go and have a word in private? | 0:40:16 | 0:40:18 | |
I'm a High Court enforcement agent here with a High Court writ. | 0:40:18 | 0:40:22 | |
The man on the shop floor is the shop's owner, Alex Edwards, | 0:40:22 | 0:40:26 | |
and he says he's willing to settle the debt. | 0:40:26 | 0:40:29 | |
We have an amount, at the moment, 2,688.50. | 0:40:29 | 0:40:32 | |
How would you like to pay that? | 0:40:33 | 0:40:34 | |
By card? | 0:40:36 | 0:40:37 | |
He doesn't seem particularly surprised to see the sheriffs. | 0:40:37 | 0:40:40 | |
Do you know all about this, then? | 0:40:40 | 0:40:41 | |
You did, yeah? | 0:40:41 | 0:40:43 | |
It's just escalated to this stage. | 0:40:43 | 0:40:46 | |
At this stage, we just need full pavement, but it won't be a problem. | 0:40:46 | 0:40:49 | |
He just immediately said he wants to pay it in full. | 0:40:49 | 0:40:52 | |
So, Tommy's just in there at the minute, | 0:40:52 | 0:40:54 | |
getting the account details sorted. | 0:40:54 | 0:40:56 | |
So, hopefully, we'll be gone in two minutes. | 0:40:56 | 0:40:58 | |
If Jon's hoping for an easy job, he's spoken too soon. | 0:41:00 | 0:41:03 | |
Mr Edwards tries to make an online payment, but it won't go through. | 0:41:03 | 0:41:07 | |
-Can you not do it on that? -No. | 0:41:09 | 0:41:10 | |
Other than that, can you get the cash out? | 0:41:10 | 0:41:12 | |
We can wait here if you just go and get the cash. | 0:41:12 | 0:41:15 | |
Mr Edwards agrees, and heads off to his bank, which | 0:41:15 | 0:41:18 | |
is further up the high street, | 0:41:18 | 0:41:20 | |
leaving the sheriffs behind in his shop. | 0:41:20 | 0:41:23 | |
I'm being as diplomatic as I can be. | 0:41:23 | 0:41:26 | |
He's compliant in getting the cash for us now to make a full payment. | 0:41:26 | 0:41:29 | |
In the meantime, Jon's taking no chances, | 0:41:31 | 0:41:34 | |
and starts sizing up the shop's assets. | 0:41:34 | 0:41:36 | |
Yeah, a lot of nice stuff here. | 0:41:38 | 0:41:39 | |
I doff my cap. | 0:41:43 | 0:41:45 | |
Jon seems to have a head for upmarket fashion. | 0:41:51 | 0:41:54 | |
Primark's more my kind of place. | 0:41:54 | 0:41:57 | |
After a few minutes, | 0:41:59 | 0:42:00 | |
Mr Edwards returns with an envelope full of cash, | 0:42:00 | 0:42:03 | |
which Tommy is more than happy to take off his hands. | 0:42:03 | 0:42:05 | |
I'll count it out for you, sir. Cheers. | 0:42:05 | 0:42:08 | |
The sheriffs make short work of counting it out... | 0:42:10 | 0:42:13 | |
-We were just saying, you've got a lovely shop, by the way. -Thank you. | 0:42:13 | 0:42:16 | |
..all £2,688. | 0:42:16 | 0:42:18 | |
All there. So, sir, I'll just get you to sign the receipt. | 0:42:21 | 0:42:25 | |
Thank you very much for your time, and you take care of yourself, sir. | 0:42:25 | 0:42:28 | |
And with that, Tommy and Jon have done what they came for. | 0:42:28 | 0:42:31 | |
Double Amount Limited's debt is cleared, | 0:42:33 | 0:42:35 | |
and their unpaid supplier will soon get the money they're owed. | 0:42:35 | 0:42:40 | |
All in all, a very fast and good result. | 0:42:40 | 0:42:43 | |
We had a job to do, and we've done it on this occasion. | 0:42:43 | 0:42:46 | |
Full payment, happy claimant, | 0:42:46 | 0:42:48 | |
and we've given him a receipt, and left him to trade on. | 0:42:48 | 0:42:51 |