 TLO what's poppin? We are on twitch. We are live about the time you see this. We won't be so just leave a like comment subscribe Turn on your post notification bells. Let's continue to grow the family from Chicago to the UK Don't forget if you do want to watch episode or if you missed the line and you want to catch up on previous lives But be ready for future lives We do have Www.twitch.com put in the lit one as you see it right here I was trying to figure out what I was trying to say. I forgot. See I'll be adding new stuff to the twitch And I'll just be forgetting what I'll be anyway Also, we do got merch and we do got the patreon The link to all of this is down in the description below But make sure you're part of the twitch because if we ever get deleted or uns or start being not seen somewhere I'm always be here You get me Anyway, this is can't pay. We'll take it away season 14. Apple me season 4 episode 12 copyright disclaimer under section 107 of the copyright act 1976 Allowance is made for fair use for purposes such as criticism comment news reporting teaching scholarship and research Fair use is a use permitted by copyright statute that might otherwise be infringing Non-profit educational or personal use tips the balance in favor of fair use no copyright infringement intended All rights belong to their respective owners Over the last six years there's been a huge increase in cash flow difficulties faced by UK businesses 100,000 County Court judgments were issued against businesses in England and Wales last year County Court judgments worth 78 billion pounds were issued against businesses in England And well in the first quarter of 2006 Delroy Anglin and his son Dale are High Court enforcement agents They travel hundreds of miles each week collecting debts and ceasing goods A company called creative printer couldn't find anything online about them about a website We can't find anything to confirm an address Today they're on their way to a printing company in East London to collect a debt of nearly 2,000 pounds owed to a dissatisfied customer If the owner of the company Muhammad Rahman can't or won't pay today We'll take it away agents have the right to seize company assets to offset the debt the opportunity is there I don't look for creative printer Buddy Hello, you the boss. Yeah, my name is Dale Anglin my high court enforcement agent I've got a high court writ against creative printer. I'm here for the sum of 1,971 pounds and seven pence. Okay. Are you able to make that payment? So we are talking about this one with With a quote what you dispute in it Even though Mr. Rahman is disputing the case the agents are duty-bound to enforce the writ here today What's the dispute about them? Yeah Print it. Yeah as for the color, but she wanted this one and we said hang on if you give us yellow color You will get yellow color if you give us like this color you will get it like this color You know what I mean? That's what you cost the court In spite of his argument with the claimant Dale needs mr. Rahman to understand that he must settle his debt today What happens is the money when you pay it to our stays with us Right whilst you do this and you go to court and the judge is the referee if the judge decides that you own the You're in the right. You will get the money back if the judge decides that she's in the right you will lose the money But mr. Rahman isn't interested It's a small amount in relation to what you do, right the easiest way Would be to pay this for a bribe You can't or won't Dell tries again to get mr. Rahman to settle the debt We don't get involved in disputes. We carry out the course instructions if you would rather this disruption It doesn't make sense to me, but if you don't want to pay it we have to remove goods You'd have to prove that to me Everything in here After refusing to pay mr. Rahman claims that none of the assets in the factory are owned by creative printer the company named on the Rit people be doing a real distribution limited But Dale is suspicious What do they do? creative distribution UK limit Creative distribution is the printing company and creative printer.co.uk is a website who sells stuff You advertise your company as creative printer everywhere outside. It says creative printer. It's the same thing I'm telling you I you can battle it out and call when I remove goods from here. I'm not gonna The agents need to see hard evidence that mr. Rahman is telling the truth and that there are two Beyond timing His son moves like his old partner his old partners Brian It's just a replacement for Brian for him I'm not gonna go through every what about this one. What about this one? What about this one? We're just gonna say I need to see it for everything in here. Who's is the server? Yeah, I need to see you. I need to see the proof People often try to everything the saints when dealing with a business We have to be dogged. You have to be diligent. We have to sort of dig in there the change of names a Different company being set up part of our job is is to investigate and have a look and see if you do have assets I'm not gonna sit here all day and wait for your receipts. This is one item We're gonna take for this bill and I'm not gonna sit here all day and wait for it The agents have now been at the factory for an hour and a half and so far mr. Rahman has only provided one receipt For the assets on site You can't show me I want a receipt No, I just need to shut these down guys. We're gonna start. I'm plugging all the computers I've been here a long time and we've got nowhere Dale decides to turn up the pressure. I'm closing them I'm closing them But we're moving goods from there, so please don't do that I'm telling you we're taking stuff. We are you're removing good from here I'm telling you we are taking it mr. Rahman decides to take action Because you haven't supplied anything Breaking it is gonna be a trouble. Let's get negative Resisting the agents carrying out their duties is a criminal offense. It is We've given you a chance within it for hours You're not listening no, let the police come on. We sent it. I've had enough of all this all you've done It's called botheration and problems With tempers rising Dale calls for police backup There's a Michael false major, and I'm carrying out a high court rare premises Let me tell you something no Let's get it all done. Let me tell you something buddy If you touch me one more time You're going to jail China grab us I've seized it I'm taking it. You cannot see any other company. I can you're resisting us All right, you are holding my stuff. It's not your stuff. We are taking it Move from there. No with mr. Rahman refusing to back down Dale and Dale are in a potentially threatening situation Will they be able to keep things under control until the police arrive? And this be the whole thing man police gonna come they gonna be like they have the right to take it And then what you gonna do? It's a bad look for your business High court enforcement agents Dell and Dale Anglin were in canning town East London to collect a debt of nearly 2,000 pounds owed by a printing company to a dissatisfied customer You can't a once company director mr. Rahman claimed all the assets were owned by another business Creative distribution nothing is owned by credit printer He refused to pay and tried to stop the agents when they tried you know it's crazy, man This guy He's probably not lying. It is owned by a different company, but you're not showing receipts is the problem Just show the receipts Somebody in this time. I know you got a fax machine. Somebody could have faxed it to you He refused to pay and tried to stop the agents when they tried to seize goods. Why are you stopping us? Give me a chance to take you we've given you a chance with me for hours So they called for police back up Now the agents must try and calm the situation down and continue to seize goods to offset the 2,000 pound debt But mr. Rahman is still obstructing the agents. Why are you doing that? Why are you doing that? Why are you doing that? Why are you doing that? I will stand there you put he pushed me? Yeah, no gonna jump in I Why are you doing that? Why are you doing that? I'm getting you off me Let go of me. Let go of me. Please. Thank you. Please stop grabbing me Why are you doing that? Why are you doing that? It's making themselves look very dumb Just trying to take pictures played a victim role. There's a whole body camera running 20 like that during the whole transaction Well, we have to take it because he doesn't want to pay doesn't it? It's not our problem Mr. Rahman is still claiming the assets on site belong to a different company Creative Distribution and not creative printer named on the rid. Why are you grabbing it? It says creative distribution. Okay, look at that. It says creative distribution You just printed it and put it on there. That doesn't mean anything. We need the receipts Okay, it's a nice sticker. Thank you guys. Have you got the receipts? Thank you guys. Please. Why can't he behave? Manhandling who for what reason? Why would you man? It's my premises. I can stand here stand there. Stand there. You're welcome to stand there. Okay Don't be pushing on us. I'm gonna stand there stand there. Please. It doesn't make any sense. What are you doing? Make any sense It's a stalemate, but then the police arrive here we go Here we go, and this is where all the embarrassment sets in all the pictures you took that mean nothing All the all the yelling Planned victim piece upstairs when we started season items to remove and see there was a big obstruction That's obviously grabbing us trying to drag us away from the computers and stuff It is a problem with another company nothing to do with this company that company they came in for that's just a website The minute I got here. I said to you I need the receipts That's what I said to you from the minute I've got it and you've shown me one They cannot take someone else's stuff. No, but you have to prove to me who stuff I did they have a legal right to obtain properties from here But you agree with it or not and they need to do their job down there. They Mr. Rahman is still adamant he won't pay he now decides to fill the police with his mobile phone You Dell's patience is being stretched to the limit He threatened a breach of the peace we are going to remove and if you obstruct me again, you left her a restaurant That's all he's been doing all day I'm going to remove that you haven't satisfied me as to who owns that So I will don't start again Look at that look look this officer. Look at that. It's less thumb. Look at that. We're gonna take you away They're gonna take you away So they are taking another company That's real pain when you think you're in the right now, but they come tell you the law Let's get negative police Pay a single penny, which is unfair That's fine. Don't pay. We just don't instruct when we get to taking it away That's your choice. We've gone through this with him It's not unfair because he has the option to get the money back pay it Right, and we leave and you go to the judge with your argument and you have your argument No, you said too much. Are you gonna pay it or not? Right? Come and talk to them. Let me talk to you Suddenly mr. Rahman wants to talk to Dale in private. I can't do anything until this is paid But debit card Try I Don't know if you want to make some calls see if anyone can help you pay this amount, but I don't like said The truth about mr. Rahman's situation Finally emerges. We've been struggling last few months Well-being Or this could be all part of a sob story Okay, the aggressive side didn't work the negativity. It didn't work. So they call the police. I'm in the wrong. Okay. Now. What can I do? Let's just try this sob story. Let me try to see if this work. That's what it is. Just a sob story The agents have been at the factory for four and a half hours There's nothing what we have to remove you we have to we was no money. So we have to Yeah Finally mr. Rahman is starting to raise some money He offers the agents 885 pounds nearly half of the money owed At this point I wanna cut How much in this one? But it's not him. It's his employees who are having to stump up the cash All of this is unnecessary and could have been a police will end up someone in my experience The lesser amounts that we have to collect calls the most aggravation They would lose more money By not working a day the company is and if you pay this go to call and put your case in front of the judge Facts that if I give up five hundred dollars for the place I work to keep you open at that point I own a percentage of it period The agents decide to give mr. Rahman 48 hours to raise the rest of the money he owes Soon it's cool. That's what needs to be paid today Mavad Okay That Five hours after they first arrived is the case is resolved for now But if mr. Rahman doesn't pay the 1100 pounds still owed within two days the agents will be back To take it away. That was a good negative opener That's the type of negative energy that we need every opener There are nearly five million self-employed people in the UK However, they earn on average 40% less than company employees Research has shown that the self-employed had an average debt of nearly 20 times their income self-employed people Advised by a leading debt charity Old an average of 300 That's why I'm be putting them on credit cards. I'm be getting no loans or anything like that Because you never know what type of month you gonna have in this industry that I'm in here I'll just be telling whatever I get is what I get Enforcement agents Stuart McCracken and Elmore Victor are in Freckleton, North Lancashire to come Freckleton Stuart McCracken and Elmore Victor are in Freckleton. It's not like a story tell. Oh my god Lector debt of just over 785 are in replay Enforcement agents Stuart McCracken and Elmore Victor are in Freckleton, North Lancashire To collect a debt of just over 785 pounds owed by a barber shop in unpaid rent I think it's going to be a big day giveaway. We're working. It's crazy. We don't need a haircut today If the owner Lindsey DeSanti can't or won't pay the agents can seize goods to cover the debt today You think it's the one called the Village Barbers Oh someone's in having a cut they're gonna get It's nice little village though imagine though You mid-cut half of your taper is done Half your fade is done and somebody coming and talking about all right. We got to unplug these we got to take them away Whoa, whoa Whoa, whoa finish my cut didn't take it away buddy Hello there. You're okay. And we've been sent in by the landlords Yeah She really having a conversation with them through the mirror when she could just turn around and talk to them Do you see what I'm talking about like this? This is not real. This is a simulation right here It's not real It's not real man turn around why and they're looking back in the mirror to see her Oh my god, what is going on? What my rent? Yes, it's paid every single week. She cursing that mirror out. That's tough Lindsey insists she's fully up to date with her rent payments, but the documents say otherwise So we're here now to collect a balance. I might as well say otherwise Standard haircut seven dollars over 65. Dang, there's a Old people. Um, what's that? What's it called when the old people elderly get a discount? senior citizen discount under 11 under Under 11 is under 11 six dollars Dad and lad offer 11 dollars. So if you come I ain't never got a haircut that was six seven 11 or five dollars I ain't never paid that little So we're here now to collect a balance What you're not gonna be any notice No, it hasn't No, it hasn't I shouldn't be here I can understand. It's a little bit stressful. Okay. I completely understand I do but you can see from our point of view been struck to battle landlords collect an outstanding balance Are you gonna make payment? We'll be on our way. You see I'm not dealing with yet, right? I want to know where the proof is I've not paid that Lindsey calls her dad for help if I was the client I would never come back Barbers already get a bad rep for doing all the bunch of stuff when they cutting your hair and not focusing on your hair I mean just imagine this Dad, I need you to shop ASAP I'm not paying my rent I need to hear ASAP. I've got customers in You've got a customer, ma'am. Don't I need the proof dad Now what's the problem and we've been sent in by the landlord with regards to outstanding rent Right, well, who is he then I know that, so he's been sent in by himself. So for some reason the the rent hasn't been paid or there's been a miscommunication somewhere We're here to collect now Yeah, okay, no problem at all. So we'll see you shortly. I hope you're walking in here to pay Bye-bye You might want to charge your phone at someone percent the thing was That would have pissed me off Don't don't come in here telling me my phone is on 1% But thank you Smaller communities ease it's the barrisment factor when you walk into a little business And you've got two high court enforcement agents there You know within five minutes the whole village is going to know about it. Oh god. So you got proof that you paid for the last three months You pay weekly What's your rent a week? A hundred a week Lindsay still insists that she is up to date with her rent Stuart needs to get to the heart of the matter Hi Andy, it's Stuart mate. You're right Yeah, you know, I mean, it's just like she's she's a little pain every week He's not got any proof to say that I haven't paid it. How long have you been here then? How long I've been here? Yeah, in the shop Five years, okay So you're saying I haven't still haven't weeks Six, six hundred pounds plus fees Yeah, to collect this money You can pay me three Stuart comes back with news from the office Right, we've had a statement sent through One, two, three, four, five, it's six weeks that hasn't been paid. That's why it's six hundred quid Then obviously there's costs on top of that sadly You must know if you haven't been paying your rent that this is going to happen I do feel sometimes sorry for defendants, you know, especially if it's their livelihood and their business and then you can see they Been working hard at it keep it on a whole show for this But on the other side of the point if you're not paying your rent You don't leave the the landlord stroke claimant any choice in this matter So we will come knocking on your door The agents have been in the shop for a quarter of an hour So far Lindsey hasn't A quarter of an hour 15 minutes The agents have been in the shop for a quarter of an hour That's a great way to make it sound like they've been in there for ages Bro, they've been in there 15 minutes like relax. We didn't even have to mention that Made any offer of payment the agents decide to turn up the pressure Is everything in the shop belongs to you? Yeah, the couch is everything Yeah, you definitely miss matters Well, if I really pay my night There's nothing in the back here, but No, not really You're not removing anything Well, I've got all in my arms All right What's going on? We don't have to remove anything as long as they are full balance being paid Lindsey's father arrives With the seven anada I know that Mr. Jackson Sweet Yeah All right, so what was it? The security rent hasn't been paid On the one from last week, which is obviously been up to date now Okay, she'd know what she did man She'd know she she ain't paid everywhere So that's the total amount The total amount is They're nearly £104 £1,104 in total Because of additional fees The amount of money Lindsey now owes has increased by over £300 Dude, the total is Going back a lot of years There's history between The landlord's agent and Lindsey He's a vindictive No, he's a vindictive Well, he is as well, but he's a vindictic gentleman And he's been looking for something like this To hit Lindsey with what's instantly to court Lindsey used to rent the flat from him She had two little children at the time The idiots of the village started lighting fires at the bottom of the stairs So Lindsey moved out She couldn't get three months old She had people lighting fires at the bottom He took Lindsey to court And he won So it cost us a fortune then Yeah She had to get out of the opportunity for him to Well, I mean I understand the situation You had to move out in a hurry Three months You still gotta give three months It's contractual It's in the lease If you leave, you need three months' notice Put one of the nail in a coffee Despite the long-running dispute with her landlord's agent The debt must be settled today One way or another I'm happy about paying it all I'm happy about paying it all I'm just calm down Chill for that tough muscle I'm not having you paying it all And not running over there to stop him or grab that card Come on now That's a gimmick, ma'am You want him to pay that How do you want me to pay it? It needs to be the cash Or debit card I can get to the building society But he can take me three months' notice What time is it now? If you want to make an appointment That's fine by me We won't be leaving here until the money's collected So we can wait Till about quarter past ten I'm on my way now Please wait Lindsay, we will have a meeting We'll sort you down We'll sort you down Yeah, no problem Lindsay, just sit down Calm down Thank you, sir Lindsay, really crying It's no longer than anything Yeah, just close up Lock on up The agents have given Lindsay's father A 45 minute deadline to get the money All they can do now Is wait Try to get a free cook I suppose people salt them I don't Yeah, I live in a village Myself and it's covered in anything I'll file it up Yep She's not wearing her butt She's farting and talking about buffalo That was business being going Anyway, has it been alright? She went on top She obviously is struggling at the moment It's clear from that by the way she's acting If there is bad blood Between letting's age and don't give them any excuses Shortly before the deadline Lindsay's dad returns Of course, that man's on time He's 1104 pounds And we'll do you a receipt for the cash He pays the debt off In full Right Here's your receipt, sir That's what it means to see The agents have got the result they needed But for Lindsay and her father The dispute Is far from over There's two sides to every story Lindsay's at fault by missing a rent payment But the thing is Why have they not communicated with me I am joint tenant With Lindsay on this property His shop is literally Half a mile down the road In the village, yes He drives past every day Surely If there's a problem Your phone call Surely if it was a problem I'd take you to court That's what it is I did what I needed to do No fee at all She was obviously very sharp Hey, y'all can go collect this money from me Add y'all little fees on it It's something like go ahead grab it When we first walked in Why would I deal with y'all? Why would I deal with excuses After excuses, after argument, after argument When I can go to them Saying that she always pays It's always on today And then when we showed her the state She kind of changed her tune a little bit So she knew she was pulling the wool over her eyes Or trying to even But at the end of the day Father comes to the rescue That's not as usual Stuart and Vic have got a result In a difficult situation But in Brian and Dell's next case Dell is everywhere Great According to a government report Bereaved families in the UK Are finding it harder to pay for a funeral For their loved ones 45% of Britons Have made no provision for their funeral After they pass away Very important to have life insurance If you don't have life insurance Grab you some life insurance If you're an American watching this And you don't have any life insurance My girl, she sells life insurance Let me know, I got you Take care of you With typical costs Look, I am a W Look at me Hey, that's W-Mans, right? Life insurance isn't Necessary with free health insurance Yes, it is What does that mean? They don't bury you They don't pay all the debt you leave behind You know what I'm saying? Just imagine You got life insurance Life insurance will stop generational Poorness, it'll stop That If I have a million dollar life insurance plan When I pass away My daughter gets a million dollars One million And imagine if I put it in a growing Like growing interest type account Like I can get deep into this Well Don't be fooled by that They will help you Not die, but once you pass away There's a lot of stuff That needs to be handled Funeral director Chasing a debt of nearly 2,000 High court enforcement agents Brian O'Shaughnessy And Delroy Anglin Are in Bedfordshire Chasing a debt of nearly 2,000 pounds Ode to a funeral director Del, what we got next, mate? We're gonna see Miss Karen And that's the whole thing, man A lot of people are just misinformed About what life insurance does for you But, you know, one day Maybe I'll have her come on here And break it down for people She can't do anything for anybody That's in the UK though Like you would have to find a license agent in there You know, they can work with you Eight million kids She owes 1,000 Life insurance is my old job, right? When I was in a hotel I had a 401K and I had life insurance I had like a $500,000 plan I can withdraw from that I have to pay it back But I can withdraw from that If I'm going through hard times I can go and be like, yo I need to withdraw from my life insurance Take 10 bands from there Do what I need to do Invest it in myself However much I gotta take I don't associate it with it But it is what it is At least in America It's more like a loan How does advance work? I never had an advance But I know it's more like a loan You gotta pay it back The debtor, Karen Hillborn Game Originally owed just over 8 You don't have to die to get your money first The lump sum, yes You can, like I said You can do whatever you want with it But as long as you gotta keep paying it You don't pay it They're gonna come take it We'll take it away After failing to pay the full cost Of her mother's funeral But legal and high court fees Have now more than doubled that amount The sensitive nature of the debt Means the agents will need to Handle this case with care Hello How are you? I'm from the high court I'm from Karen Hillborn Game Please Can I speak to her please Hello How are you? I've got a high court writ made against you For mummies outstanding Oh you mean the her mother's funeral We've actually contacted her several times Right I've got an appointment You need to deal with this High court can't wait for your appointment Okay what should this What should disability Treatment to help So how can we get it resolved I've been trying to resolve it Because I deal with her finances She's my wife Her mother died after we cared Sorry to hear that Through terminal cancer We paid all of her funeral up front She was dying of cancer, we knew that See what I'm saying All of their funeral up front Now RIP to mum But I'm pretty sure If they would have got life insurance Way way before any of this Occurred That's where Funeral costs are taken care of Any debt left behind is taken care of Whoever you write the policy To pay out to They'll get that money You know what I'm saying That's a 450 pound To view her dead body In the morgue Normal stuff And we understand that Problem we've got I told him We're more than happy to pay He didn't want that I know he doesn't But I can't afford to give him any more I understand she's disabled I understand that That's my job I'm sorry for laughing But that was crazy That was a crazy amount of entitlement Why are you here? The world don't stop at your problems That's so hundreds A lot of us got issues going on And we think the world's supposed to stop Just because we got issues going on No, the world keeps spinning Everybody got issues Everybody got to make money Everybody got to go day to day Everybody got to deal with the elements You know what I'm saying For you to think that the world is supposed to stop Is crazy to me That is not wild to y'all That's wild Maybe it's because I'm grown as hell nowadays See what? Money We don't get a lot of High court rates Where the debts are regarding the funeral It can make your job difficult Because that grieving process Can go on for some considerable amount of time When you're actually charged before you get there You need to deal with the debt They need to face up to the fact that they need to deal with the debt And that can take some time And get in their head round to it Dell and Brian Now have to work with the couple To get the matter resolved Do you appreciate how distressing this is for us? Look, this situation Wasn't incurred by us Now, at the end of the day The gentleman who you have your dispute with Has a business to run Okay? So therefore I'm just going to get to school It costs four grand to bury a fucking Cuban pig Ma'am And here average funeral is six thousand Really It depended on where you Chicago Average Funeral is ten bands And just saying that I understand your distress RIP Love Ones, but that's just how the world works No it shouldn't But it also costs twenty thousand The birth of human too So you know what I'm saying At least it's half off Respectfully Alright, now he has a business to run Just like anyone else trying to earn a living Now I'm not I don't know what the dispute is But I've heard your side There were two sides to everything You haven't heard our side I want to get this source It hasn't been a grade A five pound a month Where's my calculator at How much is it? Seven hundred? Four hundred? Seven hundred Where's the calculator? Calculator How many times Seven hundred divided by five dollars Seven hundred divided by five equals That's a hundred and forty months Divided by twelve Eleven years Eleven years Did I do that math right? Yeah I did it right Eleven years to pay back Seven dollars, I mean seven hundred dollars Are you crazy ma'am? Because we wouldn't be here He hasn't agreed, that's all Ten years because of my mother died of cancer We were caring for her for two years And it was a very devastating time And I lost my job because I was so ill This is why you are here And how disgusting this country is Now that you are harassing disabled people Your argument is not with us I don't want to speak to you anymore You people are so disgusting Why don't you get a real job? But we're doing our job It's a real job, he gets paid He gets taxes taken out It's a real job We're doing our job Are we shouting at you? Debtors will use A high amount of emotion Brian is on time right now This ain't even a funny situation I understand their anger but like To deflect if I'm having to pay a debt Or to They ain't going away They're in that emotional cycle They don't want to accept it Or they're not in a position to deal with it Unfortunately That's my problem now I don't be taking death serious Me personally I do But so much death has occurred around me So that's how I be feeling to me Like For real, dang You know what I'm saying? It's a me thing honestly My bad Jay Condolences I'm being dead serious Y'all think I'm I'm being serious Y'all think I'm playing It hasn't changed the fact that they owe the money The bottom line is You've incurred a debt Not at all Not at all She couldn't afford to pay Because her mother fucking died We're so funny and I had to pay 3 grand for a funeral I haven't got 3 grand You're making me heal Oh yeah she's She's blaming everything on now She's just doing anything She's saying anything to get them out the door It's the triggers off my ear So y'all probably won't be able to walk for 3 days Because of you Why are we here? Don't fucking research my browser You'll find out that actually stress Causes such trauma Brian and Dell now have a dilemma They're duty bound to execute the writ But with no offer of payment Looking likely They must start to look for assets they can seize Despite The sensitivity of the situation I just need some crotch Could be a tough job man See if there's a vehicle round the back here That's a white vehicle I don't even think she's a Karen I just think she like I don't know her emotional outlets are crazy She doesn't She's like not emotionally Strong Which a lot of us aren't I'm still not that emotionally strong Like not being emotionally strong Means like getting into fights Where you shouldn't really get into fights And you should walk away like stuff like It's the same thing as what's going on here We all need, so a lot of us need to get our emotions And check man Obviously The agents have found Karen's car Brian calls for a vehicle check I need to do a HPR check on a vehicle If the car is free of 700 though Finance, its value would more than cover The nearly 2,000 pound debt Always two bands But as Karen is disabled They need to check whether this is the right Course of action This is not the right car though Don't take that lady car Y'all just have to just Do what they do sometimes Walk away empty handed at this We'd have to look at all the Circumstances before making that type Of decision Particularly if it's their only means Of getting to them from hospital Or other medical facilities It's not an easy one But their attitude and make things easy To resolve Minutes later Brian hears back about the vehicle check Okay, no that's fine So there's obviously A disability issue here When she's getting Carries allowance, she's got a mobility vehicle She has Vulnerability issues in my view She didn't seem vulnerable When she's standing there screaming and shouting You know, we have to take into consideration What they're telling us What does she have again? Citrified broces, what was it? No offer of payment And no goods to seize No, they're not going to take it Brian is top Brian is top goon Top negative G If somebody was going to take it He would take it I don't think he's going to take it though The agents have no choice They just got to walk away from this Now They leave a copy of the writ for Karen If she doesn't pay within a month The agents will be back It's been a stressful case For everyone concerned There was that emotional Cycle that we couldn't get through We couldn't communicate, it was very very hard It's difficult to just We understand that It's very difficult, but she was definitely Putting a lot of stuff on them It's not on them But at the end of the day They made the right call, just leave that girl alone You know what I'm saying? We're stereotypes Individuals who are difficult But we're not I feel like there are so many disabled people In this country at the moment I ain't gonna lie She is pretty, this is how you tell if a girl Is pretty, when she crying If she's still pretty That's real beauty She's pretty Getting the support they need A lot of people get ugly When they cry It's not happening for her Top it all off If somebody suddenly lost their job Somebody in the comments said Dr. Umar hates me, listen Beauty is beauty no matter What color you are All everybody All creatures have a beauty To them All creatures of God have a beauty of them How are they going to be able to afford to pay Ridiculous amounts of money I'm sorry but I want to go back to call I'm going to get a legal subpoena And I'm going to try and To kind of look like Angelina Jolie Find a way to fight this, all of this And when they see our Income is in-outcomings They will know that we can't Actually afford to pay more than what we suggested In the first place 60% of UK businesses Face some sort of debt And 99% of these You can't sit down bro Hold on Look Right here She don't look like her Hold on, check me out real quick Check me out, I'm not saying She look like her verbatim Like she look just like her But she like got tricked Hold on Now Now look When she was crying it looked more like her It looked more like her when she cried She looked like Angelina Jolie They favor each other, that's what I'm saying You can't tell me I'm wrong man Kate Middleton Face some sort of debt And 99% of these Are small or medium sized enterprises More than one in three small business owners Draws less than 100 pounds Income each month Leaving them with a constant struggle To stay on top of their finances Seven in ten small business owners Have taken out a personal loan to keep their business afloat Eight thirty a.m. Sleaford Lincolnshire High court enforcement agents Stuart McCracken and Elmore Victor Are chasing a debt of nearly £5,000 Ode by the owner of a computer repair business And we're going to visit Mr Philip Brace Mr Brace This morning Mr Brace needs to pay us £4,747 The debt is for unpaid rent Mr Brace's landlord Has escalated the case to the high court To get his money back quickly You've done that before haven't you Eighteen Sixteen What is the street is this This is like Bourbon Street Nine o'clock Someone's coming mate Hello there sorry okay We're after Mr Brace Mr Brace my name is Mr McCracken This is Mr Victor High court enforcement agents We've got a high court rickster To execute to the value of £4,747 How much time? It was ten minutes Are you able to make payments sir? At the moment no Right because we are instructed to remove goods So our last payment can be made What's the date about? Well it's unpaid rent For this property? Yeah Basically I've been having problems With the landlord anyway In here because He was supposed to have come in and sorted out Some damp sort of rubbish for this place Right He's never turned up so I've basically sort of Stopped paying rent you know what I mean Because there's a lot of stuff in here That's not how it works That is a myth bro That is a myth I wish people stopped doing that That's a myth Oh just because stuff ain't working Don't worry about it We'll get damaged With all the debt I must admit I'm not making Any money out of the place The thing is you say making payment But It'd just be like Excuse my friend pissing in the ocean You know what I mean It's not going to make a great deal of difference Mr Brace has run the business For three years He's fallen on hard times But Vic wants to dig deeper You did say earlier you stopped paying rent Because you weren't happy with some of the things So you didn't stop but you told us you stopped rent Because you can't afford to pay rent You told us you stopped rent Because there was problems with the bonding etc etc etc So are we going to go around Are we going to go around in circles Are we going to be honest with each other here I'm being honest I stopped rent I couldn't afford it So We did some pieces So it's a combination of both I'm being straight with you I'm being honest with you I'm not trying to pull the wool over your eyes I can't pay Simple as that Then we'll take it away Mr Brace has made his mission clear But the agents still need to try And settle that today One way or another I need to make a way to remove It goes up to 5,611 pounds If the goods don't get If the goods don't fetch Talk them out standing Then there will be a statutory demand issue So it is important that you try to get this resolved A statutory demand is a written warning From a creditor It states that you will pay your debt Or come to another arrangement They could start good proceedings To make you bankrupt The pressure is on Mr Brace must now raise the funds Or risk losing his entire Livelyhood Oh man, if you get Bankrupt You can't have a business in your name I've learned that recently That's tough That is tough High court enforcement Puta Repair Shop Business was failing Now the agent's only option Is to seize goods to try and cover the debt We are instructed to remove Goods or unless payment can be made I can point out the bits That belong to customers And that belong to my son-in-law We need to see proof of that Well unfortunately If you can't show us proof today Everything will get removed And stored for 7 days If you can't produce proof after 7 days It will get sold at public auction That's a lot up there Mine A lot of things need preparing There's plenty of IT Equipment in the shop But there's a problem The value of the broken stock Doesn't come close To covering the 5,000 Pound debt You should get at least At least 50 quid for each No, I can tell you that now No, you won't I can tell you that now and I'm not an auctioneer Because he was going to buy that at auction I don't know if that is working or not So they pay scrap value which is a 5 And you can see they are struggling To trade or to make a living Clearly that makes it more difficult for us To collect On that specific case Because there's nothing of value to remove With nothing of value Worth seizing in the shop Stuart changes tactics The writ is in Mr Brace's name So his personal goods Are also liable We'd have to go to your home address as well And take control from goods there So it's in your name personally What would be the minimum amount That I would have to pay For balance Because no doubt You'll probably say it's the whole lot Well, we instructed to collect the balance Which is a lot That's fair enough, I understand that 2,200 would be the minimum I can't physically pull two grand out Of my back pocket To hand it over to you I'll go back to the home This happens to a lot of people man And I'm telling you When I, man listen I've been evicted before And I had a co-signer And shout out to her man Because she a real one Like I was down bad at one point I'm talking about The debt collectors came like this Like they didn't come like this I had a writ of possession Had to leave blah blah blah She kept getting emails And she was like, you know what Boom, she just gave them the money The backpacks, she gave them Had that type of money on her I was like, man that's tough I was like, man I need to I need to get my life together That's crazy Of course I Pay her back, but at the same time Like at that moment in time Y'all want to know how much She had 10 bands 10 bands She woop Slide the carbs 10 bands What am I doing in life What the hell Whatever she need I'll take a bullet for her That's 100 on her That's tough Yes, it's under my 90s Watch the vehicles sir I was like Why did you do that You know what I'm saying I had it, so I just paid it It's tight Hi John, can I give you an HPI mate? Be honest, we can't help us now No problem, cheers John See you till it's a bye The office tells Stuart The broken down Skoda Is virtually worthless The agents try once more To get Mr. Brace to come up With an offer of payment He can help you raise funds I've been trying I've been trying the The end of the day I'll just have to close my business down Which we don't really want to do Look, I could take you down to my bank And I can get you a Balance with my account And if there's 100 quid in there I'll be surprised That's how bad the business is I've been living on For a time The agents have run out of options So Stuart Throws Mr. Brace a lifeline 48 hours What we'll do is give you 24 hours To what you can do To be honest with you, there's no way I can raise it And like I said, if at all Like should we take control of goods from the property And here, it doesn't clear the balance See what I'm saying You gotta read between the lines right now Stuart is giving him a chance Hey, get this stuff up out of here If it's not yours Get it out of here Because we coming back And we making inventory on everything You got 24 hours to get the stuff That's not yours Out of here Simple You know what I'm saying Hey, good man Stuart He be doing real Real I can't even say that word He be doing real Geez, Stuart is a real one You know what I'm saying He ain't have to do that Hey get this, get it out of here We gonna come back 24 hours If it's not yours, it should be gone He's saying it without saying it That's your demand issue Which is more or less here It doesn't clear the balance That's your demand issue Which is more or less end of the line Bankruptcy is such a crippling situation For any individual You'll lose any valuable asset It's made publicly aware That you are now bankrupt Your whole life comes to a stop Even if I went and stood on the Street corners On the backside Sir, why was that That was a little bit extreme Ain't it I don't think most people would I'd have to pay them Rather than they Alright, take care Bye I started three years ago And everything seemed to be alright Then two more shops Have opened up in town Which, yeah It has affected my business And unfortunately The economy has screwed me over I've got into debt It's my problem It's not them, so at the end of the day I've got to either go And pay to become bankrupt And just shut my business down And go and get a proper job Mr. Brace has 24 hours To come up with more than Nah, look, he'll be the economy sometimes Somebody in Chess said don't blame the economy No, no, no, no, no Sometimes we can blame the economy Not all the time I think he's giving up on himself He's just plotting a long day today, isn't he? He said he is waiting for us And I think he genuinely was Alright Creator printer owner Mohammed Rahman Appealed to debt The court set it aside and returned He did all of that and did one But the claimant went back to the court And won the case The debt was paid Karen Hillwood again Appealed to judgment after the agent's visit The appeal was rejected by the courts Unfortunately But we knew that was going to happen The agent's returned but with no assets Of any value to see from the house The case was closed She still won a W's a W Philip Brace did not make a payment With the 24 hours of the agent's visit Three weeks later The debt was paid in full by his son And daughter W kids, man W kids, that man Took care of you for 18 plus years Each That's what I do C.L.O. leave a like, comment, subscribe Turn on your post notifications That was an hour and 4 minutes for a 44 minute show We was really chatting That's tough