Episode 8 The Sheriffs Are Coming


Episode 8

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Transcript


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Meet the sheriffs.

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

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Here with a High Court order today.

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They work for the High Court,

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and if a judge says you're owed money,

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it's the sheriffs' job to go and get it.

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Hey, all the keys!

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I'm going to be calling a locksmith.

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They can demand payment on the spot...

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What can you pay us now?

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-You're going to get the cash, are you?

-Are you paying the bill?

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..or remove assets instead.

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You've got 30 minutes to make the payment.

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Then we'll start removing stuff from the building.

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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.

-Don't lie to me.

-No messing.

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Every year, sheriffs in England and Wales recover unpaid debts

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totalling more than £80 million.

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Coming up... Ben Anderson's two-year-old son narrowly escaped

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serious injury when a car drove into their vehicle.

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Luckily, he slept with his legs tucked up.

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If he hadn't, they would have got crushed.

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The insurance company didn't pay out,

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and the sheriffs are in no mood to stand in line.

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We're here to execute a High Court writ.

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OK, thank you.

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When a supermarket boss refuses to clear his debt,

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Tracy threatens to clear his shelves.

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And there's been an order issued for us to recover this money today.

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Otherwise, we will be removing goods.

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Mike lays down the law to a firm of solicitors.

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No, no, no, no,

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you've just said exactly the same to my colleague, OK?

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You have got 30 minutes to make payment in full.

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Susan Carolan spent thousands of pounds on a garden summerhouse.

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The first time it rained, the water just absolutely poured through.

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When the man who sold it says he can't pay her back,

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Tracy and Dave get the clamp out.

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It's seven o'clock in the morning, and enforcement agents Tracy Lee

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and Dave Steele are in Cheshire, heading to a debtor's home address.

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This morning, we're in Macclesfield,

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hoping to meet up with a Mr Richard Lovenbury.

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This debt is in relation to some faulty building works done.

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From looking at the notes, it seems to be in relation to a summerhouse

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that the defendant's fitted for the client,

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and it seems that the client's not been happy

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with the service provided.

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The money is owed to disabled pensioner Susan Carolan.

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She decided to have a 32-foot summerhouse built

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at the top of her garden

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to provide a comfortable retreat for her 92-year-old father.

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I got a few quotes, you know, from different people.

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I didn't really know anything about sheds.

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One of the people who came out to look at the job and quote for it

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was Richard Lovenbury.

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And as far as Susan was concerned, he made a good first impression.

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Oh, I thought he was lovely.

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Very nice, very presentable as well.

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He was talking about his children, family man sort of thing, you know,

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very trustworthy.

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Susan was also impressed with the quality of his work.

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He actually opened up in one of the garden centres,

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and he had buildings on display there.

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Richard Lovenbury quoted

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for the construction and painting of Susan's summerhouse.

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The total cost would be nearly £5,000.

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He said that he would give me a five-year guarantee,

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so it was all rather convincing, you know.

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The base was laid and construction of the summerhouse got underway.

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But Susan was unable to keep an eye on the work.

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I should have come up when they were putting the base down,

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but I was ill at the time.

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I am disabled.

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I have...

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..you know, bad arthritis.

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I have trouble walking sometimes, you know, with my legs and hips.

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When Susan did finally see the summerhouse, her heart sank.

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It had been painted pink,

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not the apricot crush colour she had asked for.

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It was dreadful, the painting on it.

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It looked like pink undercoat, to be quite honest.

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I was quite shocked.

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But Susan was even more upset by flaws in the way

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the summerhouse had been constructed.

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The base hadn't been laid properly.

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I said, "But that base is not level,

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"and the building's not level, and it's all out of sync, you know,

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"and it's leaning backwards."

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Susan could see the shed didn't line up to the fence,

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and the roof wasn't up to much either.

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The first time it rained, the water just absolutely poured through.

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And the materials were below the

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standard she and Mr Lovenbury had agreed to.

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I'd ordered 16mm wood and only got 11mm wood.

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It was upsetting to know that you'd been ripped off.

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It was embarrassing, really.

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It was not just my money,

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it was Dad's money as well, and it was something for him, you know,

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this disabled garden.

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She had an independent survey carried out

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which confirmed her fears.

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The summerhouse Mr Lovenbury had supplied

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was finished to a poor standard and wasn't fit for purpose.

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When I kept complaining, Lovenbury said, "It's not my responsibility,

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"it's the manufacturer's."

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They said, "It's not our responsibility, it's Lovenbury."

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So, for about a year, it just went backwards and forwards.

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Eventually, she decided to take both Mr Lovenbury and the manufacturers

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to the Small Claims Court in an attempt to get her money back.

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As proceedings got underway,

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Richard Lovenbury made an admission that took Susan by surprise.

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He just stood up in court and said, "I want to admit to everything.

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"It's all my responsibility."

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The claim against the manufacturers was dropped, and Mr Lovenbury was

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ordered to pay back the money Susan had spent on the summerhouse.

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But she still didn't receive it, so, in desperation, she transferred

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the case up to the High Court and called in the sheriffs.

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I thought, "There's no way I can deal with him,

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"trying to get money every month."

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So that's why I put it up to the sheriffs.

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With court costs and fees, Susan is now owed £6,168.

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It's now down to Tracy and Dave to get Susan what she's owed.

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As they get close to Mr Lovenbury's address,

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Tracy is on the lookout for one asset in particular.

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The file says Mr Lovenbury drives a BMW

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that should be worth enough to cover the debt.

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The RBM's tidy.

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'09 plate.

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Tracy makes sure it's not going anywhere.

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I'm just going to grab this clamp to try and get this on

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before we get a response at the door.

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Dave goes to introduce himself,

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but it looks like whoever's inside has seen him coming.

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Somebody just opened the curtains and had a look,

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possibly the defendant.

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So he's up and about, so I think he's seen us,

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he knows what's going on,

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so let's see if he's going to answer the door.

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By the time Tracy's finished with the clamp, the door opens.

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Good morning, it's Mr Steele from the Sheriffs Office.

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Would you ask Mr Lovenbury to come to the door, please?

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It's the debtor's partner.

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Moments later, Mr Lovenbury appears in the doorway.

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-Good morning, Mr Lovenbury...

-Who's the camera?

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You'd better ask the gentleman, not me.

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We're filming for a BBC One documentary series

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-called The Sheriffs Are Coming.

-Right. Can you go away?

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Tracy and Dave are invited in,

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but we leave Mr Lovenbury's property and film from the road.

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Inside, the sheriffs explain they've come to collect Susan's money.

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Right, obviously, you're aware of the debt for Susan Carolan.

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What is your position of getting it settled?

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Mr Lovenbury tells Dave he's tried to set up a payment plan,

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but the sheriffs can't agree to one

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without making sure it's a good deal for Susan.

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They need to view and assess his assets.

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The shed salesman says he's only recently back at work after a period

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of absence, and offers to pay just £100 a month.

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But, with £6,168 outstanding,

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it would take years to clear the debt at that rate.

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The sheriffs know Susan wants her money sooner than that

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and Tracy asks about the vehicle outside the property.

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There is a Ford car parked next to the BMW on their list

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that apparently belongs to the debtor,

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but it's 14 years old and probably worth less at auction

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than the cost of removing it.

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The BMW is worth considerably more,

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but his partner says it belongs to her and that it's on finance.

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She also tells Tracy the house is hers alone

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and so are all the goods inside it.

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Unfortunately, it looks like everything belongs to his partner.

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The tenancy agreement is in her name.

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We're just waiting to get the papers for the vehicle on finance.

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It's her car, and, sadly, he has

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been out of work for quite some time.

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He's stating that there is nothing at all available today,

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and he's looking to put forward a proposal on a monthly basis.

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The tenancy agreement checks out,

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so Dave calls the office to make sure what they've been told about

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the vehicle is correct.

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-There's no finance attached.

-It's on finance, but it's not.

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Well, I know it's not on finance.

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-Well, why did they say it was?

-It's not, is it?

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Well, yeah. It's his car, I'm telling you.

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If the car had been on finance, the sheriffs couldn't take it.

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Tracy has a hunch that the reason they were told it was

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must be that the car belongs to the debtor himself.

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We've just telephoned the office and it's showing free from finance,

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so you've lied to me there.

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I need the DVLA papers or it's going to be removed.

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For a moment, it looks like the sheriffs are going to be able

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to take the car, sell it and pay Susan some of her money back.

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Have you found it?

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The V5 document doesn't prove ownership, but with other paperwork

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in the woman's name, Tracy has changed her mind.

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-Thank you.

-Right.

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I shall go and give her this back and take the clamp off.

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So the sheriffs are now convinced it is her car,

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and that means they are left with nothing of value to take control of.

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With no leverage, it's back to a payment arrangement.

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Dave is inside the house and continues to push for the best deal

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possible for Susan.

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It's up to the client if they're going to accept any arrangement,

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so it may work for you if you can get some form of a lump sum.

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So, what can you pay today, Mr Lovenbury? Can you pay anything?

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500? 1,000?

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Eventually, Mr Lovenbury comes up with £150,

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and his partner transfers another 200.

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They agree he'll continue to pay 150 a month.

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That's as much as we can push it.

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There's no assets to have any leverage with.

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It's better than nothing, and Dave plans to review the arrangement

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after six months, with a view to increasing the payments.

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Susan's happy they've done as much as they can.

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They'll collect the money, and if he doesn't pay,

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they'll go back round and see him.

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-I think the sheriffs are really great, good guys.

-SHE LAUGHS

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Using the County Courts to try and recover money you're owed

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isn't difficult. 1.5 million money claims are paid every year in

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England and Wales, involving anything from faulty goods

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or poor workmanship to unpaid invoices.

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

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

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and you may have to attend a court hearing.

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If you're successful,

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

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

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High Court enforcement agents Tracy Lee and Adam Crossley

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are in West Yorkshire in pursuit of an unpaid bill.

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We're off to a supermarket - Dong Dong Oriental Supermarket.

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It looks like it's from a supplier.

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The supermarket was taken to court

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when it failed to pay for a delivery of goods.

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The claim wasn't contested

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and a judgment was made in favour of the supplier.

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When they still didn't get paid,

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it was transferred to the High Court for enforcement.

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Today, it's Tracy and Adam's job to get what's owed.

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We're looking to recover just over £2,000.

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Well, we're here.

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Adam and Tracy head inside and there's an employee at the checkout.

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Hello, could I speak to the proprietor, please?

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Is the owner here?

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Fortunately, the boss is here,

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and moments later he emerges from the back of the shop.

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-Hello.

-High Court enforcement agent.

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I'm here with an unpaid debt.

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He's shown the paperwork and seems to know about the amount.

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It's for 2,129.

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What do you mean, no?

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-Right.

-Right.

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The cause of the dispute is no concern of Tracy's.

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She wastes no time explaining what it means

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when sheriffs arrive at the door with a writ.

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This has been through court, and there has been an order issued

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for us to recover this money today, otherwise we will be removing goods.

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So, are you in a position to pay this in full

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before I start listing goods with a view to removing?

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Right, if you've got a dispute,

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you're going to have to deal with it down the correct channels.

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I am not here today to dispute this with you, I'm here to enforce it.

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You can call who you want, but this needs to be paid.

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I'm going to give you 20 minutes.

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If this isn't paid, I'll start listing.

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And if Tracy does start listing items to be removed,

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the amount they owe will go up.

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At this point, the boss asks us to leave the shop,

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so we continue to film from the roadside.

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It sounds as if Tracy's message may be starting to get through.

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As it stands, there is a live writ which I'm here today

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to enforce and collect on.

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The boss tells Tracy he will pay the debt.

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Yeah, you can pay it by card.

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Adam comes outside to update us.

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I think he's contacting his wife. He's disputing it.

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We're just waiting for a credit card or a debit card to appear

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to get it paid in full, so we'll keep you updated on that.

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Adam goes back to join Tracy, but instead of the money,

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it's the boss's wife that appears.

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She wants to see the original County Court paperwork,

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but that's not something the sheriffs were involved in.

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They've got a High Court writ and they'll execute it to the letter.

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Adam reminds them that not paying up isn't in their interests.

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If it's not paid, you'll end up with another further £494 plus VAT.

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Are you refusing to pay it?

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They are, and that's not all...

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-He's going to call the police.

-Right, OK, well...

-All right.

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The shop's refusal to pay means the sheriffs' attention

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turns to their assets.

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It's going to take a lot of instant noodles,

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but Tracy reluctantly starts listing goods for removal.

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-These rice ovens...

-Rice cookers.

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Yeah, may have value.

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And that comes with a cost.

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The enforcement has now moved to stage two,

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which means the extra £600 Adam warned about

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has been added to the debt.

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This has now been taken to stage two. You've incurred a further cost.

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You've refused to pay it and we've started to list goods.

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Faced with escalating costs

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and the very real prospect of losing their stock,

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the shopkeepers now agree to pay, but not the extra fees.

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Tracy's not impressed.

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The shop didn't offer anything until she was forced to escalate,

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and she's not going to back down now.

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I'm running out of patience now.

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We're going round and round and round.

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This is the stage we've got to. We're not backpedalling now.

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The figure you need to pay is that.

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We can stop there and you can pay the 2-7, or we can continue

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and it'll go up again, because I will start lifting.

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It's not Mickey Mouse this, you know.

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And with that, Dong Dong Oriental Supermarket's arguments are over.

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They pay the debt and their extra costs on a card.

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He was going to pay it at one point. His wife's come along,

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spoken to him, the next thing, they're not paying it,

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they're calling the police, questioning our authority,

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whether we should be there and we're not who we are,

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and it's gone to stage two, and then he's tried to backpedal.

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It's been a tough afternoon,

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but the sheriffs have done what they came to do.

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The shop's supplier will now get the money they're owed.

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Dong Dong Oriental Supermarket told us...

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They said...

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..and that...

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One of the biggest challenges consumers face when they take on big

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companies is navigating endless recorded phone messages,

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and finding the right person to talk to.

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It can be a frustrating process.

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When the sheriffs turn up to collect a debt in person,

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they've got powers that consumers don't have,

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so they can get results where we can't.

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It's midday in the capital.

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High Court enforcement agents Andy Joryeff and Adie Long

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are on their way to the head office

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of one of the country's largest insurance companies.

0:18:270:18:31

We're there after AXA insurance company in central London.

0:18:310:18:35

We're there to collect a debt of just over £1,300.

0:18:350:18:39

Obviously a large company.

0:18:390:18:40

We don't know what we're going to be confronted with,

0:18:400:18:43

but it being in the centre of London,

0:18:430:18:44

I should imagine it's one of these big, huge modern places.

0:18:440:18:48

Sometimes the sheriffs do have to go round the houses

0:18:480:18:51

like the rest of us.

0:18:510:18:52

A few problems that we'll face

0:18:520:18:54

whilst enforcing against big companies

0:18:540:18:57

is trying to locate that one person that's authorised to make payments

0:18:570:19:01

on behalf of the company.

0:19:010:19:04

Another problem that we'll find, as well, is security.

0:19:040:19:07

They will try and stop us.

0:19:070:19:09

It's their job, but we have right of entry to commercial premises.

0:19:090:19:15

We'll go anywhere in the building that we please

0:19:150:19:18

whilst we search for assets.

0:19:180:19:20

Wherever they go, if a debtor tries to obstruct them,

0:19:200:19:23

the sheriffs have a trump card.

0:19:230:19:26

We can call the police. They will be breaking the law

0:19:260:19:29

by trying to prevent us from carrying out our duty.

0:19:290:19:33

We'll search the building for assets no matter what today.

0:19:330:19:36

Andy and Adie's writ is for an unpaid motor insurance claim owed

0:19:410:19:45

to this man - 35-year-old Ben Anderson.

0:19:450:19:48

Ben had been taking two-year-old son Jack to visit his grandparents.

0:19:510:19:56

It's always an exciting thing for him,

0:19:560:19:59

and we were looking forward to a nice weekend with the family

0:19:590:20:03

who always spoil him absolute rotten, like grandparents do.

0:20:030:20:08

They were stopped in traffic when a car travelling at 40mph slammed

0:20:100:20:14

into the back of them, shunting them into the car in front.

0:20:140:20:17

When the car hit, it was just a massive crash.

0:20:180:20:22

The whole impact squashed the car, and the backseat got pushed up

0:20:220:20:26

against the back of my seat.

0:20:260:20:28

The car sustained heavy damage.

0:20:280:20:31

Jack was in a child seat in the back, and the impact left it

0:20:310:20:34

squashed up against the seat in front of him.

0:20:340:20:37

I was obviously in shock,

0:20:370:20:39

but my first priority was to make sure

0:20:390:20:42

that Jack was OK.

0:20:420:20:45

He was crying, shaking and screaming.

0:20:450:20:48

Nothing else in that moment mattered.

0:20:480:20:50

When you see your child in such distress,

0:20:500:20:54

everything else kind of goes out the window.

0:20:540:20:57

Jack was terrified, but had avoided being seriously hurt.

0:20:570:21:01

Luckily, he slept with his legs tucked up because, if he hadn't,

0:21:020:21:08

that would've been crushed against the back of my seat.

0:21:080:21:10

For him to come away without any injuries,

0:21:100:21:15

it was a miracle.

0:21:150:21:17

It wasn't until later that Ben realised

0:21:170:21:20

HE had been hurt in the crush.

0:21:200:21:22

I sustained whiplash.

0:21:220:21:25

I had extreme pain in my left shoulder.

0:21:250:21:30

It would just hurt to do basic things like picking my son up,

0:21:300:21:34

so that impacted me a lot

0:21:340:21:37

for a long period afterwards the accident, as well.

0:21:370:21:42

The driver who hit him admitted responsibility.

0:21:420:21:45

After a medical examination, their insurance company, AXA,

0:21:450:21:49

agreed to pay compensation for Ben's injuries and the written-off

0:21:490:21:53

vehicle, as well as the child seat and a pushchair

0:21:530:21:56

that were ruined in the crash.

0:21:560:21:59

But despite repeatedly chasing them, the money never arrived.

0:21:590:22:02

This just rumbled on for months and months.

0:22:040:22:07

I'd be ringing my solicitor,

0:22:070:22:10

sort of, every week, like, "Have you heard anything?

0:22:100:22:13

"Have we received any payment?" And every time, they were saying,

0:22:130:22:16

"No, we haven't. We've been chasing them.

0:22:160:22:18

"They're not getting back to us."

0:22:180:22:20

Every time, AXA would say they'd been sending out the cheque

0:22:200:22:25

and it had been going to the wrong address.

0:22:250:22:30

The cheque was being sent back, and then it was going to the bottom of

0:22:300:22:33

the queue of all their claims to make.

0:22:330:22:36

and then they were sending it out to the wrong address again.

0:22:360:22:39

Ben replaced the child seat and pushchair out of his own pocket,

0:22:390:22:44

but he still urgently needed a car for work.

0:22:440:22:48

He couldn't wait for AXA to get round to paying up

0:22:480:22:50

and had to borrow the money.

0:22:500:22:54

My dad's not a rich man either.

0:22:540:22:58

He's had to take that money out of his savings.

0:22:580:23:02

I really need to get this resolved so I can pay him back.

0:23:020:23:08

AXA eventually paid part of the claim,

0:23:080:23:10

but with the rest still outstanding,

0:23:100:23:13

Ben took them to court. When they didn't offer a defence,

0:23:130:23:16

the judge ordered that they finally pay up,

0:23:160:23:18

but still they haven't done so.

0:23:180:23:21

Ben's now had the judgment upgraded to the High Court

0:23:210:23:24

and got a writ for the money.

0:23:240:23:27

For them to agree to pay me this money and then for it to go on

0:23:270:23:32

month after month without getting anywhere...

0:23:320:23:35

I just need this weight lifted off my shoulder.

0:23:350:23:38

I'm really hoping that the sheriffs

0:23:380:23:42

can get this money for me.

0:23:420:23:44

Back in London, that's exactly what Andy and Adie are planning to do.

0:23:500:23:54

They have the power to enter a debtor's premises in the execution

0:23:540:23:57

of a writ, even if those premises are gleaming glass towers

0:23:570:24:02

belonging to multinationals.

0:24:020:24:03

The company's a very big company.

0:24:060:24:07

We know that they're good for the money.

0:24:070:24:10

They will have the assets available to us for removal if necessary.

0:24:100:24:15

But before they do that, they need to find the right place.

0:24:150:24:18

Even for enforcement agents carrying High Court writs,

0:24:180:24:21

the big city can be a confusing place.

0:24:210:24:23

-Where is it? Is it down there?

-It's up there on the left.

0:24:260:24:29

Wherever it is, it's a long way from home.

0:24:300:24:33

Being from a little Cornish town,

0:24:330:24:35

it's something else when you actually get down into London

0:24:350:24:39

and you look at it from the ground up.

0:24:390:24:41

Just the size of it.

0:24:420:24:44

Adie's usual patch is the Welsh valleys.

0:24:440:24:47

I don't think I could live in the city.

0:24:480:24:50

The thing is, you've got all this traffic. I mean...

0:24:500:24:54

Crazy. Absolutely crazy.

0:24:540:24:57

The gridlock.

0:24:570:24:58

Give me strength today

0:24:580:24:59

-to get through...

-LAUGHTER

0:24:590:25:02

..driving through London. I know how frustrating it can get!

0:25:020:25:08

Keep your hat on, man. You'll go grey before your time.

0:25:080:25:11

Oh, you already are.

0:25:110:25:12

-We had to bring the barnet into it!

-LAUGHTER

0:25:120:25:15

They eventually manage to navigate

0:25:190:25:21

the city's labyrinthine one-way systems,

0:25:210:25:23

and find the address on the writ.

0:25:230:25:26

AXA. There we are.

0:25:260:25:28

They head into demand the payment to Ben's insurance claim.

0:25:280:25:32

Entering the lobby, Andy spots a man at the electronic barriers

0:25:320:25:36

who looks like security.

0:25:360:25:37

All right, sir? My name's Mr Joryeff, I'm an enforcement agent,

0:25:370:25:41

here to execute a High Court writ.

0:25:410:25:43

-Hang on, sir. I will call the control room.

-OK.

0:25:430:25:46

Excuse me, sir. Excuse me, sir. Excuse me, sir.

0:25:460:25:50

-Excuse me! Can you stay there please, sir?

-Hello, sir.

0:25:500:25:52

-Can you stay there, please?

-I'll stay here. Like I said...

0:25:520:25:57

-..High Court enforcement.

-Let me call the control room, sir.

0:25:570:26:00

Yeah, not a problem. Give them a call.

0:26:000:26:03

That's OK, I'm the same.

0:26:030:26:06

Hello, receiving? Excuse me...

0:26:080:26:12

We've just gained entry into the building.

0:26:120:26:15

The security guard on the ground floor opened up the gates in order

0:26:150:26:20

to come out to speak with ourselves.

0:26:200:26:23

As he came out, the gates were still open,

0:26:230:26:25

so I've walked on through.

0:26:250:26:26

Sheriffs have the court-given power to bypass front desks.

0:26:280:26:32

There's nothing the security man can do to remove them now.

0:26:320:26:35

He gets on his walkie-talkie and, moments later,

0:26:360:26:38

a woman appears to speak to them.

0:26:380:26:40

We're here to enforce a High Court writ of control.

0:26:420:26:46

-Sorry, who are you here to see?

-AXA insurance.

0:26:460:26:49

OK. And has somebody been called?

0:26:490:26:51

We're just getting that sorted out now, I believe.

0:26:520:26:55

Right. And who in AXA insurance are you here to see?

0:26:550:26:58

My name's Mr Joryeff, OK?

0:26:580:27:01

There's my identification, OK?

0:27:010:27:04

I'm here today in order to execute

0:27:040:27:07

a High Court writ of control against AXA Insurance UK PLC

0:27:070:27:11

for an outstanding debt.

0:27:110:27:12

So I need to go and talk to our legal team, which I'll go and do.

0:27:120:27:16

-OK.

-If you wait here, I'll go and do that now.

0:27:160:27:19

The sheriffs are used to companies of this size taking a while

0:27:190:27:23

to identify claimants and finding the right person to deal with them,

0:27:230:27:27

so they're happy to wait for now.

0:27:270:27:29

There is to be no filming.

0:27:290:27:32

Our cameraman isn't welcome to wait with them, however,

0:27:320:27:34

and we retreat to the road.

0:27:340:27:36

Inside, security don't really want the sheriffs hovering by the lift,

0:27:370:27:41

but can't persuade them to take a seat out of view.

0:27:410:27:45

We will just wait inside at the barriers, OK?

0:27:450:27:48

So they wait.

0:27:480:27:49

I'm not going to make us wait around all day.

0:27:510:27:57

The sheriffs are entitled to carry out a diligent search

0:27:570:28:00

at a debtor's premises and start listing their assets.

0:28:000:28:04

But before Andy decides to press the point and go upstairs,

0:28:040:28:07

someone comes down in the lift to talk to him.

0:28:070:28:11

My name's Mr Joryeff from the Sheriffs Office.

0:28:110:28:13

OK, do you want to come up?

0:28:130:28:14

They're taken upstairs, and with Andy going through the paperwork

0:28:140:28:18

with an AXA lawyer, Adie comes outside to update us.

0:28:180:28:23

At the moment, it's being looked into,

0:28:230:28:25

and it looks as if we will get payment.

0:28:250:28:27

Obviously, it's such a large company, they've got to look

0:28:270:28:30

into the solicitors and the reasoning behind

0:28:300:28:33

the debt hasn't been paid.

0:28:330:28:35

As soon as that comes back, I'm sure we'll be paid and settled.

0:28:350:28:39

Adie reckons Andy's decision to bypass security

0:28:390:28:42

helped speed up the process.

0:28:420:28:45

Most places, they don't understand the actual power that we have got

0:28:450:28:49

in going into buildings.

0:28:490:28:51

We have got the power and we can go in and remove.

0:28:510:28:53

With Andy in control upstairs,

0:28:550:28:57

Adie decides to leave him to it and stay with the van.

0:28:570:29:00

Parking is extremely difficult and expensive in this part of London,

0:29:010:29:05

so with a parking warden patrolling,

0:29:050:29:07

Adie decides his best bet is to keep moving.

0:29:070:29:12

I'll just have to drive around the block.

0:29:120:29:15

He heads off, expecting Andy to be following him downstairs

0:29:150:29:18

with payment in a minute or two.

0:29:180:29:20

But, nearly an hour later,

0:29:200:29:22

he's still circling and Andy is still upstairs,

0:29:220:29:25

trying to get Ben Anderson the money he's owed.

0:29:250:29:28

Going round...

0:29:300:29:31

Eventually, Andy reappears.

0:29:340:29:36

Hello, sir.

0:29:360:29:38

He's had to do it without Adie, but he's got the payment in full.

0:29:380:29:41

Fantastic result.

0:29:410:29:43

The accounts department have put through the payment.

0:29:430:29:46

I've checked with our accounts now. Full payment has been received.

0:29:460:29:50

All £1,357.

0:29:500:29:52

Good timing, fantastic. We'll get in the van.

0:29:520:29:56

All right, Adie? How any laps have you done?

0:29:560:29:59

-I lost count after five.

-LAUGHTER

0:29:590:30:02

Righty-o, let's go.

0:30:020:30:03

Andy and Adie head out of London as fast as possible.

0:30:030:30:07

14 days later,

0:30:070:30:08

the sheriffs were able to transfer to Ben

0:30:080:30:11

the insurance pay-out he was entitled to.

0:30:110:30:14

I would like to say a massive thank you to the sheriffs.

0:30:140:30:18

At last, some good news after this whole ordeal.

0:30:180:30:22

As one small person against a big company,

0:30:220:30:26

and it....and it's just been

0:30:260:30:29

amazing that they've gone out there

0:30:290:30:32

on my behalf and got what I was owed.

0:30:320:30:35

High Court enforcement agents Tommy Coyle and John Farley

0:30:390:30:43

are in Surrey, looking for one of the country's biggest holiday firms.

0:30:430:30:47

Off to Gatwick today, to an industrial site, going to see

0:30:470:30:51

Thomson Airways in relation to an outstanding claim.

0:30:510:30:55

The outstanding balance is £2,600.

0:30:550:30:58

Relatively small for a large company.

0:30:580:30:59

Today, they are heading to the head office of TUI,

0:31:030:31:06

the parent group of Thomson Airways.

0:31:060:31:08

The debt relates to unpaid compensation owed to passengers

0:31:090:31:12

who were delayed on a flight.

0:31:120:31:15

The claimant took the matter to court, and when Thomson Airways

0:31:150:31:18

didn't contest the case, a judgment was ruled in the claimant's favour.

0:31:180:31:22

Any type of delay over three hours, I believe it is, you can

0:31:220:31:25

make a claim for compensation and then obviously transfer it up

0:31:250:31:28

to ourselves to enforce it.

0:31:280:31:31

The rules state that passengers must be offered free meals after a delay

0:31:310:31:34

of two hours, cash compensation after three, and free accommodation

0:31:340:31:39

if they're kept overnight.

0:31:390:31:40

It's been this way since 2009, but not everyone gets what they're owed,

0:31:410:31:46

and collecting debts like this is regular work for the sheriffs.

0:31:460:31:49

Me and John have both done lots of different airlines.

0:31:490:31:53

They just don't seem to be paying them, whether it gets lost

0:31:530:31:55

with the paperwork, half the time they don't know about it

0:31:550:31:58

until we turn up, they say.

0:31:580:32:01

The sheriffs may be familiar faces

0:32:010:32:02

at the head offices of some airlines,

0:32:020:32:05

but today John's hoping he won't get recognised.

0:32:050:32:09

I've got a holiday with Thomson. I'm going on a cruise with them.

0:32:090:32:12

That'll be lovely. Just the job.

0:32:120:32:15

-Hopefully they don't realise it's me and cancel my cruise.

-LAUGHTER

0:32:150:32:19

As they approach the address, it doesn't look good.

0:32:210:32:23

-It's here, isn't it? Is that all locked up?

-Yeah.

0:32:230:32:27

-Oh, you're kidding!

-They've gone away.

0:32:270:32:30

Where do you think they've gone?

0:32:300:32:31

The building looks completely abandoned,

0:32:310:32:33

but Tommy thinks he's seen someone in the lobby.

0:32:330:32:36

Maybe there's security.

0:32:360:32:38

-You all right?

-Hi, there, I'm looking for Thomson.

0:32:380:32:40

Is this TUI Travel House?

0:32:400:32:42

It was, but it isn't any more.

0:32:420:32:45

TUI and Thomson have flown the nest.

0:32:450:32:48

They've gone to Luton now?

0:32:480:32:50

The security guard says that, although the head office

0:32:500:32:52

is no longer here, the company has another address nearby

0:32:520:32:56

and that's where he's been redirecting visitors.

0:32:560:32:59

Jetset House? That's around here, yeah?

0:32:590:33:02

-Yeah.

-Thank you.

-Right, thanks for your time.

0:33:020:33:05

Any mail for Thomson Airways is also being forwarded to Jetset House,

0:33:050:33:09

so Tommy thinks his and John's presence there

0:33:090:33:12

shouldn't come as a surprise.

0:33:120:33:13

We have to send a notice of enforcement out,

0:33:130:33:16

giving them seven days. If it's been redirected,

0:33:160:33:19

they would have got that notice of enforcement

0:33:190:33:21

and we can look to enforce this writ.

0:33:210:33:23

The sheriffs leave for the new address.

0:33:230:33:26

They know it's not the head office,

0:33:260:33:28

but they're confident that if the payments department isn't there,

0:33:280:33:31

whoever is will be able to reach the right person.

0:33:310:33:33

There we go. TUI Group.

0:33:350:33:37

They park and head in to ask for the money.

0:33:380:33:40

Hello, how are you doing? Looking for Thomson Airways,

0:33:420:33:44

in relation to a High Court writ that has been issued.

0:33:440:33:47

-So, maybe legal department, something like that?

-Yes...

0:33:470:33:50

Reception makes a call upstairs.

0:33:500:33:52

This is more of a satellite office,

0:33:520:33:54

but should still be able to get our results.

0:33:540:33:57

..and moments later, a man turns up to speak to them.

0:33:570:34:00

Hello. Here looking for Thomson Airways,

0:34:000:34:03

to collect an outstanding sum of money of £2,638.

0:34:030:34:07

Almost immediately, he starts to question John's paperwork.

0:34:070:34:12

Thomson Airways is not a company name.

0:34:120:34:16

Thomson Airways Limited is the company name.

0:34:160:34:18

And are they based here as well? Are they part of the TUI group?

0:34:180:34:20

Thomson Airways Limited is a subsidiary of TUI AG.

0:34:200:34:24

The original paperwork had a mistake on it,

0:34:240:34:27

and now the writ reads "Thomson Airways"

0:34:270:34:30

instead of "Thomson Airways Limited." Even so, the sheriffs are

0:34:300:34:33

still expecting the company to know about the case and to pay.

0:34:330:34:38

It's probably going to be relating to a delay or something like that.

0:34:380:34:42

-Yeah.

-So, I mean...

-Is there anyone that can get on the phone

0:34:420:34:44

and deal with this? Yeah, no problem. No problem.

0:34:440:34:47

They're going to be aware of this gentleman.

0:34:480:34:51

And, obviously,

0:34:510:34:53

we'll be suggesting it needs to be paid today.

0:34:530:34:56

When people pursue a debt through the courts,

0:34:560:34:58

one of the most common mistakes is to get the name of the debtor wrong.

0:34:580:35:02

In the case of companies,

0:35:020:35:04

the claim must be brought against the registered name,

0:35:040:35:07

as listed by Companies House.

0:35:070:35:09

In this case, Tommy and John's client may have booked a holiday

0:35:110:35:14

with the business trading as Thomson Airways,

0:35:140:35:17

but should have taken Thomson Airways Limited to court.

0:35:170:35:21

We have a nonentity on the writ.

0:35:210:35:24

Moral of the story -

0:35:240:35:26

be sure who you're taking to court. Reference the name exactly.

0:35:260:35:29

Get it right.

0:35:290:35:31

Technically, TUI could refuse to pay because of the mistake on the writ,

0:35:310:35:35

but the sheriffs want them to do the right thing for their passengers.

0:35:350:35:38

John calls his office to get some more details,

0:35:390:35:42

including flight numbers and passenger names

0:35:420:35:45

and TUI find the case on their system.

0:35:450:35:48

Give them all the details and...

0:35:480:35:51

Yeah. He's got onto the legal department of TUI Group.

0:35:510:35:54

They know about this case, which they've admitted now.

0:35:540:35:57

They're getting the right gentleman on the phone to us.

0:35:570:36:00

We've gathered some more information for him -

0:36:000:36:02

reference of flight number etc,

0:36:020:36:03

which makes the process a lot quicker,

0:36:030:36:05

so they can obviously find out exactly what case,

0:36:050:36:08

because there's probably a few of these ongoing.

0:36:080:36:11

So, at this stage,

0:36:110:36:12

we're just waiting for this gentleman to call us back.

0:36:120:36:15

Hopefully, they just want to get it paid.

0:36:150:36:17

Eventually, TUI agree the claimant is owed the money

0:36:170:36:20

and make the payment by bank transfer.

0:36:200:36:24

After a little bit of arguing and disputing what department owes it

0:36:240:36:27

and who should be dealing with it, got it resolved and paid.

0:36:270:36:30

They know about the case. That's why they've got it paid today,

0:36:300:36:34

so it was a good result for the claimant -

0:36:340:36:36

the claimants, in this case -

0:36:360:36:38

and a good result for ourselves.

0:36:380:36:41

It took them more than two hours,

0:36:410:36:43

but the sheriffs finally got the money that was owed.

0:36:430:36:46

TUI Group told us they...

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They said they...

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

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

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which will issue a writ for enforcement by the sheriffs.

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Hello? I'm an enforcement agent enforcing a High Court writ.

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I'm here just to execute the court order.

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They've got more powers than County Court bailiffs.

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We're going to force entry into the shop

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in about the next 10-15 minutes.

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I have the right under the writ to investigate.

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If you obstruct myself or my colleague, it is a criminal offence.

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

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£14 million. It's the largest job I've ever done.

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You can pay it directly into our account from Spain.

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If they're successful,

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they will recover your money and costs from the debtor...

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Thanks. Thank you.

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..as well as their own fees that are set by the government.

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It was that amount there until half past five.

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I don't stand here for three hours for nothing.

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If the sheriffs can't get your money,

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

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The sheriffs don't always need to see the debtor in person

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or to enter their premises in order to collect a payment.

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Sometimes, their presence and a frank telephone conversation

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is all it takes and today is one of those days.

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High Court enforcement agents Mike Perkins and Billy Evans

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are heading out to West London.

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Today we're in sunny Hounslow.

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We're off to see a Pembridge Solicitors Limited.

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We're after just shy of £3,000.

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The money is owed to a laundry firm.

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Mike's expecting the solicitors to be aware of what a High Court writ

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means and doesn't think they'll put up much of a fight.

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Billy's the more diplomatic side of the team,

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so I'm going to let Billy play the good cop for a while,

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see if we can go that way.

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If not, then I'll just have to up the ante a little bit.

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They arrive at a large multi-occupancy office building

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and head inside.

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They're looking for the director of Pembridge Solicitors, Mr Pem.

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Excuse me, we're looking for Pembridge Solicitors. Thank you.

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His office is on the first floor.

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But when they get there...

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..there's no-one in.

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Door's locked.

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Billy's got a mobile number for Mr Pem on file, so he gives him a call.

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Hello, is that Mr Pem? Sir, I'm a High Court enforcement agent.

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Are you about, to come and have a chat with us?

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We're here today to enforce a High Court writ.

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The amount is £2,990.25.

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Mr Pem seems to know all about it and promptly agrees to pay.

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Perfect. Thank you very much. Bye-bye.

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He's going to do it now.

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I wish they were all this easy.

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From a phone call, just like that.

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It looks like this is going to be an easy job,

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and just a matter of waiting for the payment to go through.

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But when Mr Pem calls back,

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he hasn't paid, and he's angry that the sheriffs are outside his office.

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Right, the payment, unfortunately, hasn't been made.

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So that's why we're here.

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It's too late to argue about it.

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With the sheriffs at his doorstep, Mr Pem needs to pay up.

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But Billy's struggling to get the message across.

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If you'd made the payment, we wouldn't have attended.

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We attend in person to collect that payment in full.

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You're going round in circles, Billy.

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Again, obviously the payment wasn't made during the notice

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of enforcement period, which is why we attended.

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The diplomatic approach isn't getting him very far.

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Just needs to make the payment, or we're going to gain entry.

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Right. I'm...

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Mike can't contain himself any longer.

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-Want me to speak?

-Give me one second,

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I'm just going to put you across to my colleague for a second.

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Hello, this is Mr Perkins speaking. Is that Mr Pem?

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OK, I'm going to... Sir, sir.

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I'm going to put it straight down on the line, OK?

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I'm not going to wrap it up in cotton wool, OK?

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The payment needs to be made in the next 30 minutes via bank transfer.

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If the payment is not made within the next 30 minutes, OK,

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I'm going to be calling a locksmith, OK,

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and we're going to be gaining entry, OK,

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where you'll incur even more charges.

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You need to make the payment on stage one

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to stop any other further costs going on.

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Mike knows from experience that issuing an ultimatum

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is an effective tool.

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I'm going to be putting on a timer. 30 minutes to make payment in full.

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OK? No, no, you've just said exactly the same to my colleague.

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OK? You have got 30 minutes to make payment in full.

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Thank you very much for your time. We'll speak to you in 30 minutes.

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Goodbye.

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There we go. That's the Mike way.

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One of the reasons Mike and Billy work so well as a team

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is that they have different but complementary approaches.

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When one doesn't work, the other can take over.

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Just going round in circles,

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so that's why I gave the phone to Mike - good cop, bad cop.

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And Mike obviously upped the ante a bit more.

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I've just told him he's got 30 minutes to make payment in full

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and if we don't, we'll just get a locksmith out to gain entry,

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or I'll go and speak to the ladies downstairs

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and see if we can get a key off of them.

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But before Mike goes key hunting, Mr Pem rings back

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with the news they were waiting for.

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Apparently, he's done it.

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28 minutes and 35 seconds.

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Payment in full!

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A quick call to the office confirms the payment has gone through.

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That's the one, thank you very much.

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-Payment in full, Mike.

-Bo!

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Thanks to Billy and Mike,

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the laundry company will now get the money it's owed.

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