The step grandmother wanting to properly verify before making a payment is actually the proper way to do it. She's fully aware of the crazy scams going on out there
one of these 2 bailiffs __ Matthew Heighway, 40, a former bodyguard, was said to have used unlawful violence to force entry _ An officer was heard telling him: "You can't go in without a warrant" to which the bailiff replied "I beg to differ - I'm making entry." __ TV show "Can't Pay? We'll Take It Away!" was arrested after he was accused of acting "like a burglar" whilst collecting a £10,000 debt at a country manor house. ] what they do is basically door to door collection agents, they would get shot if it was in the u.s.
@@edgarfleming9308 These guys are High Court enforcement officers, that is, they are officers of the Court. Not sure what the equivalent term would be in the US, but they are very different to ordinary commercial collection agents. They are executing a writ of control (aka a writ of fieri facias) issued by the Court. They can force entry into commercial premises, and they can force entry to a residence if there are goods under control there. They actually have fairly wide (although not unlimited) power to seize goods. High Court enforcement officers are only dealing with writs issued by the Court; not with common personal or commercial debts. And you're right, fortunately the UK does not have America's insane gun culture. The UK has around 0.02 gun deaths per 100,000 population, while the US has around 12.2 gun deaths per 100,000. In fairness to the US, it's not the worst in the world - the rate of gun deaths is higher in Venezuela.
well if your talking about the ann situation it’s totally understandable why she didn’t want to pay cash, if someone called me over the phone asking for 3k in cash id be pretty wary too
@@brando12343 you mean when you family phones you because of a high court order and the high court baliff even reveal his identity, you'd still be wary? They literally named her stepson as well.
It's pretty shitty if you are scammed into beeing Guarantor for someone elses debt. I think you are allowed to be emotional about it ! Never ever become or aquire someone else to be a Guarantor! Or as we say in Germany "Den Bürgen sollst du würgen" = "You should chocke out the guarantor" There is no advantage for involving a guarantor when you get into debt, it just enxtends the bad luck to more people if the debter get's insolvent. Only the banks profit from guarantors. It's a big scam. And helps no one.
Who allows their parking tickets to become over 2,000 pounds? I honestly feel sorry for the wife. Her husband seriously needs to man up and be accountable.
Yes, and some retards even think that's so professional. Real low IQ short term thinking. The reality is that every time you let people get away with things like that, the law loses some of it's stature, and somewhere down the road it will have none. That's when the local pimp / pusher rules the street you live in, and just takes your kids 'out for the night'... and it's hell exactly for the manginas who think being so loose is so cool.
I cannot believe these parents that allow their kids act like thugs, act badly themselves and don’t expect their kids to take any responsibility at all!! Shameful and disgusting!!!!!
That poor mum that was the guarantor, she just did a favour for her son and he put her in such an unfair situation and caused so much unnecessary stress
He must be such a loser. His wife didn't even phone him, just told his mother to ring her husband's step grandmother. And she paid up. I doubt she will ever be repaid, Brendon wouldn't pay his bill, and he won't pay the stepgrandmother either.
Stinky son and daughter in-law stuck mom with this. NEVEr sign anything for anyone cause if they need help and can't do it themselves guaranteed u r stuck with their debt😪
@@Epro95 Yeah, I was a bouncer for a while too and saw some dumb as fuck shit. (However, I was not a very good one, so I quit. The world doesn't need shitty bouncers.)
People have low points in life, and not everyone can be as pius as you . Its unreasonable to judge a persons character negatively, simply because he/she is out of work.
@@istvanszilagyi9384 Not exactly true. Not sure if you're American but I am. We just get chased by debt collector telephone calls and letters. That's all I know.
Its something lizar a show like this ? With the woman with the big boobs, that one south park covered. Towing or something? Sorry im not native english speaker haha.
Stop fucking lying. Bailiffs are just an regular company acting on behalf of an court. They are basically no one, you can keep your doors locked and tell them to fuck off and come back again with an warrant, writ is not one.
Also, over here THEY have to prove that things are mine. As long as they are not under my name in some registry, they can fuck off and not touch a thing.
@mylife But these guys are not bailiffs. They are High Court Enforcement Agents and they have greater powers than bailiffs. In certain circumstances, and provided the correct legal procedures have been followed and the paperwork is in order, they CAN force entry into your property and seize goods.
@@lawsonj39 He could have fallen on hard times but A. He didn’t warn his mother how far the debt had progressed and B. When they called Gerda or whatever her name was the mum was saying ‘Please Gerda, I will pay you back’, but Brandon should be paying it.
Sadly in the UK they don’t care, here in the USA the worst would happen if Brandon didn’t pay and his mom had co-signed is they’d ding her credit and turn her in to collections, but they’d never show up at her house taking stuff. A secured loan where you put up select assets for collateral is another good option here where if payment defaults the item financed is repossessed and sold, nothing else. It hurts your credit rating BUT you’ll only lose what was put up for security, not a bunch of other things.
@@J.R.in_WV It is very sad and unfair as well. Especially to those who kept up with their payments. Thank you for taking the time to explain it to me. I really appreciate it. Stay safe now my friend.
That father and son are just oversized toddlers. Most people learn that throwing a tantrum, being defiant, making threats and name calling doesn't fix anything. Do they really think the enforcement agents will say "you WERE going to have to pay off this debt but since you said no🖕 I'll just throw out the writ" 🤦
Imagine someone coming to your house and telling you that someone you know is in debt and if YOU can't prove that things in YOUR house are yours with receipts, they will take it.
I'm guessing it's someone that lives in your home or if you signed as a guaranteed, I do know that in mexico if someone owes and somehow put that they live in your house even if it's not true they still want to collect even if you have no idea who that is. So retarted
@@PatrickFDolan What's primitive is scum who don't pay your debts. Us non primitive types, we invented receipts, so when you buy your telly at Currys it says who's card bought it, thus who bought the telly, that way you can prove it's your Mum's and then it won't get taken. In your system what would happen? "We'll seize this car" "not my car" "oh Ok then have a good day" yeah real fucking great system that....
Michelle Hertzberg that’s like high bail to never sign bail and put something of value cause More times then not they end up going back to jail and losing bail
U got that right. I sign a paper for my brother as he couldn't stay in his apt as his wife left and his disability payment would pay the rent but his rental agreement said he had to have two times the rent it he would be kicked out. He couldn't stay with me as I live upstairs and he was in a wheelchair. Long story short his wife came to stay for a week after my poor brother died and agreed with the mgr to pay for the week she was there. Got $ from all his tools and two vehicles and skipped town after the funeral. They came after me as she told them she wasn't going to pay the week she was there. Ugh. I got collected and they came after me. Only thing that saved my butt is my bankruptcy so they apologized and backed off so I didn't have to pay $263.00. the sister in law got the nerve to ask to stay with me. I told her never call again and blocked her number. Disgusting ppl.
Speak for yourself. I got my mon to consign as a guarantor two times, when I was around 20. Both times I paid all the money eventhough that would mean I eat only bread and mayonaisse that month, if necessary. My mom helped me, that doesn't mean I'm gonna leave her with debt.
The first two father and son were just a lovely pair... Father comes to the door with an attitude... they're both told the son legally owes money... and the sons response is to just say "I'll just go bankrupt" as if that's an easy thing that just solves everything, and the fathers reaction is to.... laugh??? Rather than just pay the money you OWE to someone... they work together to find ways not to do that. Great example there dad 👌.
What I don't understand is how they were going to seize the Alfa and then another car and more property, the Alfa is worth more than 4000£ surely, wouldn't that cover the debt then
@James Price they say they only get like 20-30% of the estimated value at the auctions. (I really want to find these auctions. It seems like you can get really cheap stuff) so they make sure to take more than enough to cover the debt so they don't have to come back. 🤷♂️ I'm not sure about the US law on these things, so I can't speak to that, but... that doesn't make a lot of sense to me. The UK law makes perfect sense. If the law was the other way around, (meaning the agents had to prove who owns what) then debtors could just claim everything doesn't belong to them. "This car and that TV... and... that snowmobile, they all belong to my mom!" Of course, everyone would just claim they don't own anything to avoid paying. THEY put themselves in this situation so now the responsibility of proving who owns what falls on them. Thats their fault.
@@Qaor If you search Bristol Car Auctions, Police Auctions or East Anglia Car auctions you will find these cars turn up there. Not all the cars will be seized examples mind, obviously people also just decide to auction their cars sometimes, the way to tell is usually (if the auction doesn't state they are) that they will be missing basically all the information, not just the service history but also things like the V5c, which will be a bit of an admin pain and cost you about £50 more on top to get new docs from the DVLA. Can be a great bargain because sometimes you get a tasty low mileage motor which had FSH for less than 50% of the true value, but sometimes you buy something that's shagged and barely running, didn't have any work done on it ever etc. It's all about how confident you are in looking at a car, run the engine, and putting your money where your mouth is because at these auctions they don't let you take it for a test drive because there are usually about 5-10 people interested in each car and they've got 50-100 to sell per day.
@@Qaorfault of the debtor yes. Not the fault of the person who simply owns the property the debtor lives in. Fact of the matter is most people can’t prove what they own. Very few people keep receipts/records of what they own.
Yeah. Bursting into a sweet old lady's house. What a bunch of heroes. It's outrageous UK law lets this happen. They could garnish wages without invading people's homes. These fatasses would wet themselves on the battlefield, so they're tough by intimidating grandmas.
Most people hate the rip off artists, not the people trying to set things right. The wronged parties are thankful to the bailiffs, who do a service to them.
In America they touched those bailiffs, they would be in cuffs and off to jail. Especially attacking him like that. Tasers, handcuffs, the whole 9 yards
It looks to me after watching so many of these that the bailiffs don't want to prosecute as long as there is no serious bodily injury (which hasn't happened). They just want their money, then they get paid. Bringing charges against a minor tussle where no one is hurt isn't worth their time to file charges and go to court.
@@fayezentner619 Yep, took the wind out of his sails too. Sonny boy thought he was a big tough guy, but he met more than his match that day. Gary showed Sonny he's not as tough as he thought he was. LOL
I don't know where you live, but here in Europe it's called a credit card because the card has *available* credit. If you hand over any form of card as payment, the cashier will put it on *debit* unless you explicitly say you want it on *credit.* So I see no evidence here that he used credit to pay just because he said credit card.
@@insertname8042 and I don't know why you're talking because in the UK, where this show is set, a credit card is used to purchase something using a line of credit the bank has authorized for you. It is a form of debt. So next time you want to get on your high horse in an attempt to 'one up' someone make sure it is a horse and not a donkey, you ass.
@@insertname8042 you.... are just dumb, credit is money from the bank saying "heres money you can use, pay us back once you use it by the end of the month" it is literally paying debt with debt
I hate the way the dad was smirking and laughing, when the debt is owed to a girl that was splitting an apartment with him. He just jumps up and leaves and she’s out 4000 and some dollars.
The son should have been paying his car loan out monthly , It’s his responsibility . These enforcement agents should not have to chase these people for payments.If they. Can’t afford to pay for it, they. should. not buy it.
@@liztrainer895 I bought a new car once AFTER doing the math and realizing I could only get by doing $200-something a month but it would take about a year. I didn't tell the dealer I could pay in full, LOL. It sometimes helps to have access to a little extra cash and use your job paychecks to recover after the monthly payment. Not everyone can pay for a car outright but sometimes, the dealer really wants to make a deal (hey those cars aren't moving themselves and that's why they have "manufacturer-authorized discounts"!). That's why some people go with monthly payments. I made sure I could pay the car in full within six months if I really had to but I stuck with the monthly payments. That was the catch for getting massively discounted Lojack and a free spoiler with the car. But it was a nice looking car.
I am just waiting for a bailiff to pick up some guys Xbox. Can you imagine? Edit: oh shit. About five minutes after I posted this the bailiff said “Xbox 360”
I find this totally fascinating we have a form of this in the United states but nothing like you do and the professionalism all these people that are collecting the debt is amazing hats off cheers.
@@southeirut4773 True, but for the last 10 years since the crash (give or take a year) there are 2 sides to the equation...borrowers and lenders. Some People took out massive loans for which they should not have done and the creditors should not have given the loans in the first place. Both sides took the risk and both messed up.Yes we know the argument...the banks should have been more responsible and the people too.
@@happycook6737sometimes kids just go off the rails. My parents raised all of us exactly the same. Three of us are adults with families & jobs & take care of our own responsibilities, while one is in constant debt & seems to be on the verge of losing his rental or his car at least once a year. Who knows why he’s like that when the rest of us are able to take care of our own shit.
This is fascinating. The United States has nothing but to file for Bankruptcy when a person cannot pay their debts. The other punishment for not paying is poor credit (and I think without credit, its very difficult to get through in life). I wish we had your system of collection since its quite common that people win civil lawsuits against one another. The problem is, there's absolutely NO way for any Judge, or law enforcement agency to COLLECT those debts owed. Its refreshing to know that the U.K. no longer has" Debtors Prison." That institution was a bit harsh.
And never co-sign. If you are blessed and want to give them a gift, great. But, don’t expect to get it back, and it’s not worth the drama to fight over lending and co-signing with family.
It still perplexes me to see that people can borrow money and choose not to pay and then freak out when someone wants the money they borrowed back. Even if I owe someone 5 dollars I pay it back as fast as possible so that I dont worry about oweing someone anything
Pathetic when any of these “men” use intimidation, fear and/or bringing their gang family over for more intimidation- low life thug behaviour. It’s YOUR debt!! Grow up...
I like how his father said "he hasn't got any money, he has nothing" and the son was smiling the entire way through. Your dad just calls you a loser and your like....... "Yep!"
Mikey one day, if he hasn’t already, is gonna pull that on some one or ones that are not going to be as gentle as these guys and some street dentistry is going to be done with rusty pliers.
My brother got a huge loan to buy a 'sure-fire gold mine' business, which was prosperous. He tried to get the loan via our parents being guarantors - they said no. I told Mum do NOT put your house up for collateral cos if my bro's business fails, you are homeless. My bro (I think) took out a 2nd mortgage or something on his house, his business failed & he lost his house. He doesn't speak to or contact any of us to this day, even though we all offered him help when we could. Never put your house up as collateral!
Dad has hidden his assets in "his company". Although he didn't do it very well with still having son's name on vehicles. Also it was also too late for bankruptcy to clear it. You do that before your debt gets taken to court. Bankruptcy court can't over rule previous court money judgements.
worryingly, the kind that has a business and no doubt borrows from banks, warehouses, suppliers and god only knows what else. be interesting to know their company name and look on companies house.
25:07 "But years of experience suggest this might not be the case." Surely an early contender for Understatement of the 21st Century Award. The previous winner for the Understatement of the 20th Century was Emperor Hirohito who announced Japan's surrender in 1945 following Hiroshima and Nagasaki observed that the war might have "not necessarily gone in Japan's favour."
I feel so incredibly bad for the older lady at about 15:10 and onwards. Prime example of how kindness to the undeserving can screw even the nicest people over. I hope she learned to never ever take out a loan or sign anything as a guarantor again. So sad.
Reminds me of the story of Rumeal Robinson. He was adopted by a nice lady when his mother didn't want him. The poor lady ended up almost losing her house because of his debts.
I love how the actual debter had absolutely no part in the resolution, it went from mommy, to the wife and them to mom in law/grandmom not sure wich. They never even called or notified HIM that had taken the loan & was obligated to actually pay it..ofc no one questions that.. WTF
A guarantor is required on all rental agreements. Did your parents or older siblings not agree to become guarantors the first time you moved out of the house? Or are you living in your parents' basement like a little bitch? You could be earning 100k an year, a guarantor is still required on all rental agreements. If no one becomes a guarantor for anyone, no one would be able to rent or take loans.
@@kellystar6733 And as seen on Live PD, if a neighbor sees you arguing over something simple, police can come, NOT BELIEVE BOTH PERSONS ACCOUNTS, they then can press charges for you, have your spouse arrested, even tho you don't want to press charges and were arguing over a burger. Imagine going to Jail over something you didn't do. Nice law you moron. It helps for shit.
Not everyone is a pussy. The agent wasn't hurt and he realizes people get emotional and do dumb things so he cut the guy a break. I think that is perfectly ok.
Amazing how someone who says they have no money, no connection to the debtor, or no knowledge of the debt, miraculously pull their heads out of their asses and pay what they owe when standing face to face with someone that not falling for their bullshit.
Wife: Don't you worry, he will make payment. Bailiff: Okay great we will take payment then. Wife: But he hasn't got any money at the moment. Bailiff: Well then he can't make payment then can he.
"we're taking the items inside the house" "he will make payment" "great, we'll take payment then" "we haven't got any money" "oh well he can't make payment then can he" I fucking love Matt
I notice that they very rarely actually take stuff away. The debtors cough it up most times. Good job, Bailiffs! Amazing how often people leave evidence against themselves just lying around.
What I don't understand as an American, with the first collection attempt, how they were going to take two cars and continue to seize property, surely one of the vehicles was worth more than the debt it was only 4000£
@@jamesprice3455 idk I've watch a few British car Chanel here on RU-vid and they keep talking about getting this and that car for 5-10x less then it would cost here in Norway. Yet what boggles my mind is it possible to not have a $2000-$4000 between grown adults? "best I could do is 600 and I can pay 50 a month"... How can you only be able to pay £25 per moth between two-tree grown ass adults?
@@svampebob007well in the first case on this show the household goods they wanted to seize didn’t even belong to the debtor - it belonged to the debtor’s parents.
@@jamesprice3455 I imagine that two vehicles would be seized in case one of them could not turn up the value required. Should they have enough, the second vehicle would be returned.
It just goes to show, you can live in a fancy house and own several cars and still swear , curse and use violence when you don't get your own way. It's all great on the outside but, when push comes to shove, both father and son are just bullies. I feel sorry for the wife/mother who has to live with them.
Keepin' up with the Joneses just goes to show you, THE JONESES ARE BROKE! 😂 - Dave Ramsey.... But to your point, that's sickening. I'd be ashamed to put my mother through anything close to that mess.
This is exactly why you don’t envy what people have. People put themselves in so much money trouble to “look” a certain way. Be content with what you have. 😌
Im a loan officer here in the us and anytime someone comes with a guarantor (cosigner), I always let them know not to sign unless they can manage the payments on their own if the primary defaults. That guy is a mad man putting his mom through that.
As High Court Enforcement Officers they have the right to enter a house, the debtors will have been sent a letter telling them of the debt and warning that Enforcement Officers will come to collect money or goods if the debt is not paid by a certain date.
