“ Broadcaster: Sky1 / Type: Reality Show „
This show is nonsence - the bailiffs have no right to enter property by force - simply close your windows and make sure the doors are locked - if they call when you are in, either don't answer it or tell them to go away through the letterbox etc. It is not true that they can enter in your absence - unless they have been let in before and you have signed a walking possession order. Don't be fooled by this tv show - it cannot happen the way they say it can. Finally, I have very rarely heard of a county court issuing a warrant of execution to a bailiff for CCA debts - council tax yes, credit cards NO.
Since moving and spending my afternoons at home I've become quite accustomed to watching day time TV. At 3 o'clock I used to sit down with a cup of tea and watch Dr Quinn (medicine woman) however that for some reason isn't being shown anymore so on the hunt for something new to watch with my cuppa I've started watching beat the bailiff.
The programme helps people who have debts so that they can help them avoid having a bailiff come round and take all their valuable possessions. The show starts with the presenter Lorne Spicer (used to present cash in the attic and car booty) going round to the house of people who have spent too much money and landed themselves in so called 'unmanageable debt' (if it was that unmanageable surely this show would be pointless!). This debt can vary between people owing £10,000 to people owing £100,000 so the show does cover lots of different scenarios. Lorne then talks to the people in debt and tries to find out how much they think they owe. They usually have a guess which is actually way below the true figure.
Then Lorne goes around the house with a calculator and tries to find out where the money has gone, usually it's fairly obvious as people have massive TVs, millions of CDs and DVDs. However, there are other people and you do wonder where all their money has gone as it can add up to less than half of the overall debt. Lorne will then look through their paperwork (if they have any!) to discover the reality of the debt.
Then in steps the bailiff. They explain the procedure of what happens when a bailiff actually appears so you know what to expect. Lorne usually asks the bailiff questions such as 'do you feel bad' etc all of which are a bit pointless because it usually has a bit of a hard man answer. The only think that shocks me about the bailiff is that once they have entered your property to view what goods they believe to be valuable, they then have the right to return at any time for the goods, whether the people are at home or not. On the day the bailiff returns for these goods the debtors go in to an observation booth to watch as the bailiff removes the saleable goods from their home. This is the bit of the show that makes me laugh and it's not because of people's reactions. It's how their neighbours react. Some do nothing and just stop and stare at a couple of guys in a white van taking things from their neighbour's house where as others have the sense to find out what's going on. With their possessions gone they then get to go back to their house and spend the night without their TVs, sofas etc. I think the impact this has on people really varies. If someone rents a house where a lot of the items in there don't belong to them and therefore can't be repossessed I think they don't really learn the hard way. Where as I feel people who have had their sofas etc removed are likely to learn a more valuable lesson.
After spending the night in their empty houses the people then get the chance to meet the bailiff who took all their stuff. Again they tend to ask him really stupid questions like 'does it make you feel big taking people's things'. The items taken are then valued by an auctioneer and this is where people find out that they stuff they have is worth relatively little when sold at auction. When you also take in to account all the fees that are charged, it means that they are often left with very little money (if any!) to put towards their debts. Lorne then gets the people to face up to where there money is going. This could be on gambling, booze, sun beds or quite literally anything. The people on the show always seem to be shocked at how much they spend on little bits and pieces. After confronting their bad habits they are then talked through their options of what to do with their debt with a financial advisor. They choose the best option for them and then sign a pledge stating they will stop buying X and stop buying Y and in general just look after their money.
The end of the show looks at how the people are coping with their new budgets and lifestyle a period of time after they initially had the bailiff round. I am yet to see anyone saying anything negative. I find it hard to believe that this show has such a dramatic impact.
There are a couple of things that I dislike about the show and the first is actually the presenter. Although Lorne Spicer is very watchable though a tad annoying, I find a lot of what she says to people to be very patronising. It's not enough to stop me watching it but sometimes I do feel a little bit like telling the TV 'you shouldn't really say things like that'. I think what makes that worse is the fact that apparently Lorne herself has actually been made bankrupt.
I also get annoyed with some of the people who are on the show. There was a couple on not too long ago who were basically living a luxury lifestyle and pushing their finances to the limit. However, they were really just being stupid with their money and when they had gone through everything they discovered the couple had an extra £2,500 that they could put towards their debt meaning even with quite a large amount of debt they would be free of it in a couple of years. I understand why they have these sorts of couples on the show as there are people out there like that but personally it just made my blood boil that they had so much extra income each month which they were throwing away to maintain a lifestyle.
I think the programme could also offer a lot more advice. It just feels like all they are trying to do is scare people who have debt rather that offer good sound advice. The part of the show actually about helping the people with their debts actually feels quite minimal and they always seem to offer the same thing either bankruptcy or a debt management plan. It would be good if they had some handy tips or something to help stick to budgets and improve your debt.
All in all it's definitely a watchable programme. However, I could have been made so much better for the viewer if they just offered more advice and tips in regards to debt.
At the moment beat the bailiff is currently being shown on Sky 3. I have been watching it a 3 in the afternoon but it looks like it has now been changed to a weekend slot, meaning I'll need to find something new to watch with my cuppa!
This is a programme that I have been watching lately on Sky Three. It's hosted by Lorne Spicer who also does programmes like Cash in the Attic and Car Booty. People on this show are in all kinds of debt with credit cards and loans and Lorne is there as a money expert, although not a great one as I have heard that she has declared herself bankrupt! She looks at the person's or couple's debt and tries to figure out where the money has gone.
We are then given the pleasure of meeting the bailiff who is always a big burly guy or skinhead who is very well mannered during the show but I think if the cameras where not there and this was not all staged then they might be a bit more forceful. So the bailiffs go into the house and the people in debt are situated in a studio area and watch while they stage a mock taking of all there valued possessions. This is done in a very good way, in daylight in front of the neighbours to try and shock these people to come to their senses and change their spending habits.
Some of these people are very unrealistic in what they think their valuables are worth. And they find this out as after spending a night in their empty home when they meet the bailiff and find out what their stuff would be worth if they had to have it auctioned to raise funds. The best bit is when the bailiff costs and the auctioneer's costs are taken off of the value of their possessions and sometimes they are left owing them even more money which does tickle my sides.
Do I feel sorry for these people? No not really. They should have taken control a long while ago and saying that they did not know how bad it was getting when they are in £40,000 worth of debt is not good enough for me. These people need to face up to the facts and get their life in check and for what it is worth sign the debt pledge which Lorne provides - which I would like to change to a death pledge for her as her presenting is possibly some of the worst on TV!
Shown on Sky 3 at 17:30, this show does exactly what it says in the title, it meets members of the public who have fallen into heavy debt and face bailliff repossession and tries to help them before it is too late.
Presented by Lorne Spencer, the show begins by introducing the person in debt and explaining why they are in debt. Generally the reason is due to sheer overindulgence, too much heavy living, too many holidays, cars and posessions or simply greed.
The subjects tot up their debts and their incoming money and then sit with a financial expert to work out ways of consolidating debts and paying off fees rather than simply spending money. The experts provide commonsense advice that sometimes the people don't deserve as they seem determined to retain a champagne lifestyle on beer money.
Possessions are valued and attempts are made to reduce the debt, the possessions are generally sold for a fraction of their purchase price which must frustrate the person in debt seeing they are now paying money back for nothing. The people are generally a bit too keen to show off their lifestyles and not keen enough to resolve it, if somebody does work out ways to pay bailiff charges and resolve their debts in a manageable way they avoid having possessions taken away, if not the show ends with the person watching the bailiffs remove their favourite things.
This is a sad and true indictment of the way we live, borrowing too much to maintain lifestyles, its hard to really feel sorry for a lot of the people as their cases are different to people living on the breadline, struggling, these people have borrowed to excess through greed rather than necessity and thats what forces a total lack of empathy with the subjects.
Overall its a watchable show but leaves you feeling a little empty inside.
Beat the Bailiff is a TV show which focuses on families who are in debt and will soon have the bailiffs coming round to pay them a visit.
The family is introduced to Lorne Spicer, a financial expert who comes in to help the family out of their crisis. Lorne goes through why they are in debt in the first place and the main reason is usually through shopping. I have seen a young couple in £48,000 worth of debt purely because they spend too much money on alcohol, beauty products, clothes, the lottery, and other such miniscule items that really don't mean much.
The title of the show doesn't really make sense to be honest because every time I've watched it the bailiffs have still turned up at their house to cart away all their possessions so no one ends up beating the bailiff at all. The big bulky bailiff comes into their home and takes everything that is worth some money and the family sit there watching on a video screen from a different room. None of them seem to be effected much by it but when they get back to their completely empty house the realization that they have nothing left sets in.
After this they visit the bailiff and find out what their possessions are worth. This is the funniest and most shocking part because second hand goods rarely amount to much and after taking bailiff fees and auctioneer fees off, their debt is usually only reduced by a couple of hundred pounds - hardly a dent on a £48,000 debt.
I look at the people on this show and can't help but think how stupid they are to get into so much debt. I wouldn't mind so much if the debt was on student loans or a house or something worthwhile but to get into that much debt through shopping? I can't understand it. I've never been a single penny in debt and I think a lot of these people deserve to get all their possessions carted away when they couldn't even afford to buy them in the first place.
I feel bad for those in debt for a good reason, but most people on this show aren't, which makes it quite funny yet shocking to watch. Although it does annoy me a lot though because most of these people are plain stupid.