Downloaded from YTS.MX
[inspirational music playing]
Official YIFY movies site: YTS.MX
[emotional music playing]
[woman] That was a clip from the recent documentary
about the founding of this country's first-ever community bank.
Yeah, the Bank of Dave.
In the studio, we have Dave himself. All the way from Burnley. Hey!
- So good to have you, Dave. - Good to be here. Thanks for inviting me.
So when did you have the first idea for the Bank of Dave?
Well, it was during the financial crisis.
I'd built up a…
Well, it's a good business, selling vans and minibuses
but, a lot of my customers and friends, they were struggling.
These were people that I believed in so I lent them my own money.
Sure enough, they got back on their feet, and paid me back.
Some of them asked me to invest some of the extra money that they'd made,
but for that, I needed to be a bank.
[laughs] Which you named after yourself.
[woman laughs]
Well, in my defense,
calling it the Bank of Dave, that were my wife Nicky's idea.
She's been behind me all the way on this. She's been brilliant.
So how did I do?
Do you really need me to feed your ego, Dave?
Yes.
- You did great. - Thank you. [chuckles]
Can we go home now?
We can get shot of London, but we still got the radio show in Manchester to do.
- So… - Oh!
Who knew being famous was this tiring?
- Oh, give over. - [music fades]
Anyone calls for Dave? Let's go to Mavis from Salford.
What would you like to ask, Mavis?
[Mavis] Thanks for taking my call, Graham.
You're very welcome.
[Mavis] Mr. Fishwick.
Dave, please. Make me sound like I've done something wrong.
[Mavis] Right. Hello, Dave.
So tell me this. If I borrowed 200 quid from your bank,
how much would I owe you in a year's time?
Uh, well, we charge different interest rates
depending on what you can afford.
But, uh, on average, it's just under 8%.
So if my math is right, uh, you'd owe 216 quid in a year's time.
[Mavis] Right. And what about late payment fees?
No, no. So long as you got a good reason, we don't charge them.
[Mavis] That's nice.
I just wanted to tell you.
Twelve and a bit months ago I borrowed 200 quid
from one of them payday loan companies, QuickDough.
They've got adverts on the TV and their name across footballers' shirts.
So I knew they were legit.
So you borrowed 200. How much do you owe now?
[Mavis] £1,480.34.
- [pensive music playing] - You're… you're kidding me?
[Mavis] I wish I was.
I'm on a pension. There's no way I can afford that.
Hang on. You're telling me they've charged you… [grunting]
…6,000% interest?
[Mavis] Plus late payment fees.
Whoa.
[scoffs] Sorry. That's bloody criminal, is what it is.
[Mavis] You're right, Dave. I was thinking you should do something.
Me?
[exhales sharply] Look. I'm just Dave from Burnley.
I do what I can.
I've loaned 40 million quid, and created jobs--
[Mavis] Forty million?
That lot have lent over a billion and a half.
That's thousands and thousands of vulnerable people
all across this country who've been taken advantage of.
You say you want to help ordinary people.
Well, what about us? We need help.
[Graham] Mavis, thank you.
That's all we've got time for, Dave. Thanks for joining us.
I-- No. Uh, thanks for having me.
[pensive music continues]
["Every Rose Has Its Thorn" by Poison playing]
♪ And I hear you found somebody new ♪
♪ And that I never meant That much to you ♪
♪ To hear that tears me up inside ♪
♪ And to see you cuts me like a knife ♪
♪ And I guess every rose has its thorn ♪
Go on, everybody!
[all] ♪ Just like every night has its dawn ♪
♪ Just like every cowboy Sings his sad, sad song ♪
♪ Every rose has its thorn ♪
- Thank you. - [cheering]
Well done, Dave. Well done!
Thank you!
[applause fades]
- [man] Nice one, Dave. - Cheers, Jeff.
- Hey, question for you. - Yeah?
Have you ever had any dealings with them payday loan companies?
What? QuickDough and Snapcash Advance and the like?
- Yeah, them's the one. - [Jeff] No chance.
You know how much interest them bastards charge?
A lot more than the Bank of Dave, that's for sure.
I… I'm trying to find out more about them. Do you think of anyone who might help?
Ah, yeah.
Oliver, over there, volunteers at Citizens Advice.
He's an accountant,
so deals with a lot of folk with money problems.
- Oliver, you said? - Yeah.
- Thanks, Jeff. - No worries.
- [Dave] Oliver? - Yeah.
Hi, I'm Dave.
Oliver. Hi, Dave.
- You're from Bank of Dave? - [Dave laughs]
Guilty as charged.
All right, we've got Zoe. Where's Zoe? Zoe?
- Nice to meet you. - Is that you? [laughs]
Look, Jeff tells me that you do some work with Citizens Advice.
[Oliver] Yeah.
Have you ever met people who got problems with payday loans?
Well, yeah. Hundreds.
Right here in Burnley, it's like a plague.
Uh, you know Ray, right?
[Dave] Uh-huh.
[Oliver] Well, his, uh, marriage broke up
after he took out two of them loans without telling his wife.
Is that what happened?
And that's Billy and Ted Heald.
The brothers took out a loan from Snapcash Advance
just to try and make payroll.
- Ended up closing the shop? - Yeah.
And it's not just here.
Across the whole country, thousands are being driven into poverty.
- ["Everybody Hurts" playing] - [Zoe sings karaoke]
I don't understand this.
How are these companies getting away with it?
Well, it's our government's idea of business friendly regulations,
which basically translates as helping out their rich mates.
[Zoe continues to sing karaoke]
Zoe's mom was, uh, forced to sell her car.
She's still way behind on her loan payments.
I know…
[Oliver sighs]
I know I want to do something about this. I just…
[smacks lips]
Just not sure what.
Right. Well… [scoffs]
Someone like you, Dave,
you've got a chance to make a huge difference.
And, uh, whatever I can do to…
Just let me know, and I'll be there.
- Thanks, pal. - Yeah.
♪ When your day is night alone ♪
♪ Hold on ♪
♪ If you feel like letting go ♪
[song fades]
Are you googling again?
[smacks lips] I was.
I'm reading an article about payday lending companies now.
Cup of tea?
Mmm… Love one.
Hey, what about that singer last night?
Yeah, unbelievable. I've never heard the like.
I have to take singing lessons before I get up there again.
Aw.
[water boiling]
- [horns honking] - [sirens wailing]
[phone rings]
Hello, this is Jessica.
[Dave] Jessica? Jessica Morea? Top finance writer?
This is Dave Fishwick here.
Do I know you?
Uh, no, but, uh, I'm Dave from the Bank of Dave.
[Jessica] The what?
I… I set up the Bank of Dave.
Is that a real thing?
Yeah, it's a bank.
[Jessica] Oh! No kidding.
Okay. Um… [scoffs] Okay. How can I help you?
Oh, I just, uh, read your articles on the payday lending companies.
They're fantastic.
Thank you.
[Dave] Yeah. And I want to get all them companies closed down…
Well, they pretty much already are.
I mean, mostly.
- Are they? - [Jessica] Mm-hmm.
Hmm. Well, not in the UK.
Uh… If anything they're getting worse and I want to stop them.
Okay. [chuckles] Well, how do you plan on doing that?
I've not got a clue. That's what I'm talking to you about.
[Jessica] Okay. I mean, I guess you'd have to put pressure on the authorities,
but it could take a really long time.
[Dave] We haven't got time. This…
There are thousands and thousands of ordinary people suffering.
That can't wait for the authorities to get off their asses.
We need to do something about it now.
Yeah. I agree. Um…
And I hear you, but I don't know what.
Hmm. Nor do I.
If I paid for your flights and your accommodation, would you come over here?
Where is here?
Burnley.
Burnley? I've never heard of it.
No? It's in Lancashire.
England.
Oh! Oh, that is a ways away.
Listen, um, I'm really grateful for the offer,
but, um, I don't do a lot of traveling.
I… I… Basically from my apartment to the office, and I don't even like that.
- I don't even like to do that. - Will you at least think about it?
I… I could really do with your help and your insight on this.
And who knows? You might even get a good story for your paper.
I could.
Yeah, but it's not gonna be by me. Sorry. Um, good luck with that anyway.
- Bye-bye. - [somber music plays]
[cell phone clattering]
[indistinct chattering]
[phones ringing]
[somber music fades]
[sighs] I don't really see this blockchain currency thing taking off.
Trust me, it's going to be huge in a few years.
Yeah, well, you say that here.
I just… I don't buy it. [sighs]
And these other proposals…
High-velocity trading algorithms, quantitative easing safeguards.
They're just so cerebral.
What we need are human interest stories our readers can relate to.
Yeah. I don't really excel, you know, working with other people.
Look. You're a good writer, Jessica.
The payday lenders series was great.
So go home and come up with something else like that. Something new.
And then we can talk about getting you another short-term contract.
Okay.
[inhales deeply]
What about a story about the victims of payday lenders?
- Well, are there any? - Yeah.
Yeah. I mean, in other countries. In England there's thousands.
Aren't you always looking for stories with international dimension?
Yeah.
Okay. I'd buy it as a one-off.
Okay.
But you just said you're not good with other people.
I can change.
Okay.
[motivational music plays]
[indistinct chatter]
[Dave] Is that Jessica?
Guess what? I'm coming.
[Dave] You will? Oh!
Fantastic! Right.
I am booking your flights now and I'm sending them over to you.
When you get here, hop on the train. I'll pick you up at the station.
B-U-R-N-L-E-Y,
a.k.a., the center of the bloody universe.
Okay, great. I'll see you soon.
- [Dave] Fantastic! - Bye.
[motivational music continues]
[woman over PA speaks indistinctly]
- [Dave] Jessica! - Hey!
Ah! Recognized you from your byline. I'm Dave. This is my wife, Nicky.
- [Nicky] Hi! Good trip? - Hi! Yeah, thank you.
You must be knackered.
I'm okay. [chuckles]
- Let me take that for you. - Thanks.
We put you in a nice hotel in town, but, uh, first, if you don't mind,
I'd like to show you Burnley.
- Okay. - You lucky thing.
[Jessica chuckles softly]
[Oliver] I'm so sorry that happened to you.
But we will help you get through this, okay?
[sentimental music playing]
It's okay, just take a breath.
It's gonna be all right.
Look, um, I need to take a look at all the paperwork.
So I could, uh, pop by and pick it up, if you'd like.
Or… or you can come into the offices and we can have a chat and a cup of tea.
Okay, great.
I'll see you tomorrow.
Bye.
- [sentimental music continues] - [birds chirping]
[music fades]
A hundred years ago there were 99,000 looms
powered by 11 coal mines that worked around the clock
right where the town center is now.
- [Nicky] All but one are closed down now. - Yeah. Along with all the big factories.
Michelin over there. They were the last to go, 20 years ago.
Now we've got industrial estates and business parks,
but fewer and fewer jobs for unskilled workers.
Where's the Bank of Dave?
Oh. Too small to see from up here.
But you can see some of the things we put our money into.
That's the, uh… the new sports center.
There, that's the walk-in free clinic.
In that street, we've put money into six shops and, uh,
seven in the street behind.
- Eight now. Yeah. - Is it?
Wow. That's impressive.
Just a drop in the ocean in the big scheme of things.
We do what we can.
[Jessica yawning]
You should probably get some rest. We'll drop you at the hotel.
We'll get cracking first thing in the morning, shall we?
Okay. [laughs]
[motivational music playing]
[birds chirping]
Where is this place?
- [Oliver] Whoa! - [shrieks] Oh my God!
Shit!
Oh shit! Shit! Shit!
Bollocks.
Shit.
Um, oh!
[Oliver panting]
[quiet music playing]
[Oliver] Oh my God! Uh…
- What the hell? - Are you okay?
No! [laughs] You almost ran me over.
- Yeah. Well, you weren't looking, so-- - I wasn't looking? You're the one driving.
Right. Yes. Um…
Shall I call an ambulance?
No. You don't need to call an ambulance. But you did almost kill me.
Right. [breathing heavily]
[wheezes]
Oh! What… What's wrong?
[stutters breathlessly] I think, yeah, I'm definitely having a panic attack.
O… O… Okay. Well, put your head between your knees or something, right?
Okay. [inhaling deeply]
Take a deep breath.
[Oliver breathes heavily]
Are you okay?
Yep. Oh!
[Jessica scoffing]
[Oliver panting]
Okay.
[exhales sharply]
Thank you. I'm…
I'm fine now, so…
Right. Hey, just… Just wait a minute before you get in the car.
And when you do, like, just try not to kill anyone, maybe?
[chuckles] Okay.
Have a nice day.
Yeah, right. You too.
I'm sorry.
- I'm sorry. - [quiet music fades]
[coffee machine hissing]
- Hey, Dave. - You all right?
Um… Aside from nearly getting run over, yeah.
[scoffs] Well, should we get you checked out?
Are you trying to rub it on my face you have free healthcare in this country?
[scoffs] Well, if you're sure you're all right.
Jealous, but all right. Thank you.
You ready for some payday loan 101?
- Hit me. - Okay.
So there's about ten million people
who take out payday loans every year in the UK.
There's about 250 companies that help with that, right?
The big ones are Quick Dough, Snapcash Advance,
and they really corner the market 75 to 85%.
But it turns out they're just subsidiaries of the bigger companies.
And those companies are run by companies in America
based in New Jersey,
but they're banned from doing business there, so they set up shop here,
where there's easy pickings and way less regulation.
- New Jersey? - Yeah.
All right. So we're talking about Tony bloody Soprano. [laughs]
Oh, no. You make it sound glamorous. It's not. This is not TV.
And there's nothing glamorous about Carlo Mancini.
Who's Carlo Mancini?
This guy Carlo Mancini who owns the Colleridge Financial Services.
How about this? He's been a suspect in nine criminal cases.
Including murder and racketeering.
He's never been convicted.
Local law enforcement and the FBI? Well, they've tried.
He has friends in really high places.
So, you know, he tries to keep on the right side of the law.
- Here and in the US. - Oh! Oliver!
[coffee maker hissing]
Oh crap!
- Where you going? - [Oliver] Um…
I… I… [gasps]
I can't stay.
She hates me. I almost hit her.
- [scoffs] - [Dave] That was you?
What did she say?
Nothing. Come on.
Jessica, Oliver. Oliver, Jessica.
- That's your name? - Yeah.
Uh, pleased to meet you.
- Again. - [laughs]
[Dave] Jessica has been telling me about the top dogs in payday lending.
Basically, they're a bunch of criminals feathering their own nests,
and I want it to stop.
They're taking advantage of this country's loopholes
to destroy whole communities.
They're making threats, sending in the bailiffs,
making people's lives a living hell.
They're loan sharks, plain and simple. And that's illegal.
We just need to prove it in court.
And for that, we need to gather evidence
from the people who've taken out these loans.
On their own, people in power won't take a blind bit of notice.
But together,
they might just be a force to be reckoned with.
Well, I know Zoe's mom's had problems,
so, uh, we can certainly try and talk to her.
And we've had a lot of calls at Citizens Advice
about payday loans, so…
Um… I can reach out and see if any of them are willing to talk to us.
Great.
Do you two think you can work together?
- Yeah. I do… - I don't see why not.
Smashing.
Let's get this party started.
Great, thanks. I'll be there in the next hour.
No, it won't take up more than a couple of minutes of your time.
[phones ringing]
Hi.
I'm here to call a truce.
Yes. Thank you. Um…
I'm sorry about the, uh…
- But thank you. - Yeah.
Anyway, I didn't realize there were so many victims of these companies here.
Yeah, yeah. I'm actually off to see two of them now.
Oh, really? Can I go with you?
Um… Yeah. Sure. [laughs]
Wait. Are you driving?
I mean, we could take a taxi.
There's a rank just a few streets away.
[giggles] I'm kidding. Just giving you grief. Let's go.
Right.
- It's this one over here. - Okay.
So you have kids? You married? What?
Oh, I, um… I'd rather not talk about my personal life.
Fair enough. I wouldn't want to talk about mine if I had one.
[adventurous music plays]
[exhales sharply]
[Oliver] I love this part of Burnley. They're beautiful homes, these.
[Jessica] You guys really love your hometown, huh?
[birds chirping]
[Jessica] Hey.
[Oliver] Hey.
- [girl] Mom! - [music fades]
We were just wondering if… if you could tell us a bit about
the payday loan that you took out.
Eighteen months back.
Ray, my husband, Zoe's dad…
[water pouring]
…left me.
So I got stuck with a pile of bills that he'd, uh…
forgotten to pay.
Gas, electric,
and the rest.
[teaspoon clinging]
I was just in the middle of getting them all sorted out when I, uh…
I had a car accident.
It weren't even my fault.
That's when I found out Ray hadn't paid the insurance either.
So I, uh…
[Oliver] Thanks.
- Thank you. - [emotional music playing]
[Zoe sniffs]
So I got stuck
with a 500 quid repair bill.
You should have come to me, Mom.
But I didn't.
I went to QuickDough.
I borrowed £600.
I planned to pay it back in a month, but then, um…
[Zoe sniffs]
All these other final demands started coming in, so…
Mom, it's okay.
We'll find a way to sort this all out. Yeah.
I owe close to £3,000. [whimpers]
How are we ever going to be able to afford that?
- Every few days we get… - [exhales]
…threatening letters.
Then… [sniffs] …guys turn up at the door. Big guys, you know.
You see it happen all around here.
They just take whatever they can.
Well, uh, look…
we're hoping to change all that. Okay?
So we need as many people as we can to testify.
In court?
Yes.
- Can you keep our names out of it? - Sorry, but that would be difficult.
[emotional music continues]
I'm in too much trouble as it is.
I can't afford to make it worse.
Yeah, I… I understand.
[children clamoring]
[emotional music continues]
- Morning, Mary. - Morning, Dave.
Hello, Dave.
- Hi, Rachel. - How are you?
I'm good. Now, how about you? Huh?
I'm guessing that you've come here about a loan.
We're trying to get as many people as we can to testify. It'd be in court.
Is that something you might be interested in doing?
We really wanna hear your story.
I'm sorry, I can't.
Come on, mate. Is this really necess--
Um…
Kirsten, hi, I'm Oliver. We spoke on the phone.
We are sorry you're going through all this.
- [baby crying] - I'd love to help.
But we need to put this all behind us and get on with our lives.
If you change your mind, will you let us know?
Yeah.
[Oliver] Uh, no. We haven't had the best day.
- Look. People are scared, Dave. - [music fades]
They can't afford to get into any more trouble.
That's understandable. But what are we gonna do?
[Oliver] Well, I--
We were thinking that
you could put your newfound celebrity to good use.
How?
Uh, this morning we've got Dave Fishwick with us again.
Good morning, Dave. So good to see you. How is everything going with the bank?
Oh, it's great. Tickety-boo. Uh, but I've got another bee in my bonnet.
[woman] Ooh.
- It's payday lenders. - Oh yeah.
These companies, they're preying on the most vulnerable and desperate.
They're… they're destroying whole communities.
- Are they not regulated at all? - You'd have thought.
After the big banks squandered billions of our money,
the government promised that they'd get the situation under control.
But somehow they've left a loophole
which allows these companies to charge interest rates of over 5,000%.
- It's… It's criminal. - So what can we do about it, Dave?
Well…
- [somber music playing] - I'm gonna take them to court.
I am going to prove that they are loan sharks
who belong in prison, and not million-pound mansions.
But I need--
Sorry, which camera am I on?
[both] Camera one.
Right. What I need is people to come forward.
People who've been taken advantage of,
people who've been driven into grinding poverty because of these buggers.
Now, I've set up a free phone line for you to call into.
- We'll make sure that's on our website. - Yeah.
- Thank you so much for doing this. - Thank you.
[dramatic music playing]
[phone line ringing]
[woman] Mr. Mancini.
- Hey, so I watched that clip. - [woman] Mm-hmm.
- I don't really see what the problem is. - [woman scoffs] Are you serious?
No!
Who the hell is this clown?
Dave Fishwick.
Runs a community bank in Burnley.
They loan money to local families and businesses.
And give their profits to charity.
So he's like a communist?
[scoffs] No. He's a successful local businessman.
Great. So we can buy him off.
[woman] I don't think that'll work.
But I do have an idea of how to get him off our backs.
All right. I don't need the details. Just tell me how much.
Uh, 250,000?
Plus the same again in fees.
Come on.
[woman] Pounds, not dollars.
You spend that every week on advertising.
Look, I wouldn't underestimate this guy.
At best, he's gonna cost you millions in bad publicity.
At worst, he'll take down the whole company.
All right. Fine. You'll have it tomorrow.
Just make sure none of this comes back on me.
[woman] Of course.
Whatever shit you throw at this guy, make sure it sticks.
I will.
[dramatic music fades]
How long to set up an offshore shell corporation with a bank account?
Incorporation can be done in days, but bank account can take weeks.
But if this is Colleridge and QuickDough…
Well, they had Thornton, Arbuthnot, Welsh, set up a string of shell companies
in different tax jurisdictions.
So maybe you could use one of them?
Excellent.
[dramatic music ends]
["Pour Some Sugar on Me" by Def Leppard playing]
♪ Break the bubble ♪
♪ Break it up ♪
♪ Pour some sugar on me ♪
♪ Ooh, in the name of love ♪
♪ Pour some… ♪
- [music stops] - ♪ Sugar on me ♪
♪ Pour your sugar on me ♪
Hiya!
- Morning! - [woman] Morning, Dave.
- Hiya! How's it going? - Look, Dave.
The calls are still coming in thick and fast.
A lot of people have been treated, like, really badly in your country.
But we're still missing that one piece of damning evidence
we could use to take them to court.
Sorry. Sorry to interrupt, but, uh, you need to see this, Dave.
What is it?
They're closing us down.
- [indistinct chatter] - [phones ringing]
What did they say we've done?
We're being accused of laundering money.
Money laundering? Us?
Do they give any details?
Just that proceeds from criminal activity were deposited in this bank.
[sighs] All right.
Then we go through all the money that's come in with a fine-tooth comb.
It's gonna take a while.
Have we got any choice?
Has to be the big banks behind this.
[exhales sharply] No.
No. They had their shot and they blew it.
This is the payday loan companies, or at least one of them.
They want to make me look bad.
Dave, is there anything we can do to help?
[scoffs] The payday loan companies want me out of the game,
so they're playing dirty.
We need to expose them for what they are.
So what you two are doing, is more important now than ever.
I'm going to have my hands full with this, but I'll help where I can.
In the meantime…
[mellow music playing]
[trash can clatters]
…let's get to work.
[Carlo] So it was money well spent?
[woman] Definitely.
And if they want to challenge the order, they can fight us in court.
Yeah, I don't know about that.
That gives them another chance to attack us in public.
- I think we should settle. - Ugh, seriously?
We could crush him.
What the fuck?
All right, but how's that gonna look?
People like the guy, okay?
If we can get him to stop his attacks on us
and retract the statements about the payday loan industry,
then we wind up looking good.
We might even be able to use his retractions
as an endorsement of the industry.
[intriguing music playing]
- We end up on the moral high ground. - Not a place you're familiar with, huh?
- Ha-ha. - Let's make it happen.
[woman] Right.
[music fades]
- [cheering] - Come on, Dave. It's not over.
[indistinct chatter]
We might have lost a battle, but we can still win the war.
Anyone else with platitudes to make me feel better?
[Nicky sighs]
[smacks lips] Uh, sorry, love.
Good evening, ladies and gentlemen.
It's Monday night, and that can only mean one thing.
- It's karaoke night! - [all cheering]
All right. Last week, he gave us his cowboy song,
and let's see what he's got this time.
Dave Fishwick!
- Dave! - [all cheering]
No! I'm good, thanks. Not tonight.
- Come on, darling. - No.
- Who's next on my list? - [Jessica] Uh… I.
Uh, can I take Dave's spot?
Uh, yeah. Of course you can. Up you come, love.
Wow.
- She's confident, isn't she? - [laughs]
- What do you want to sing? - Um, do you have "This Land Is Your Land"?
[man] I can look.
- Hi, Burnley! - [all] Hiya!
Hi!
Um… Obviously, I'm American.
- Sorry about that. - [laughing]
Uh, but I guess it's better than being from London, right?
[all chuckling] Yeah!
So this is an American protest song, and I think it's pretty fitting,
especially for here.
So…
["This Land is Your Land" playing]
♪ This land is your land ♪
♪ This land is my land ♪
♪ From California ♪
♪ To the New York Island ♪
♪ From the Redwood Forest ♪
♪ To the Gulf Stream waters ♪
♪ This land was made for you and me ♪
♪ As I went walking ♪
♪ That ribbon of highway ♪
♪ And I saw above me that endless skyway ♪
♪ And I saw below me ♪
♪ That golden valley ♪
♪ This land was made for you and me ♪
[all cheering loudly]
Fantastic!
[suspenseful music playing]
- [assistant] Dave? - [music fades]
Mr. Fishwick.
Margot Stockton.
My firm issued the cease and desist letter.
- What do you want? - I come bearing good news.
My client is prepared to withdraw the cease and desist.
All right.
And in return?
You call off the campaign against us
and withdraw the statements you made about our industry
So you want him to lie?
I wouldn't say that. Just a different version of the truth.
[Dave scoffs]
[Margot] I watched the documentary about you.
Very moving.
There are a lot of people in this town who rely heavily on this institution.
Wouldn't want to let them down, would you?
[laughing] Let them down? Wow!
Well, that's not gonna happen if we win in court.
Oh, big if.
Oh, maybe.
But what are the stakes here? Ey?
You win, you shut us down, you hurt a lot of people,
you look like the scum you are.
And that plays right into the hands of the politicians
who are already looking to shut you down.
Or you don't win.
You lose millions and some of you end up behind bars
which I, for one, think is where you belong.
[scoffs softly]
Fine. If that's what you want…
Yeah.
It is.
[joyful music playing]
I'll see you in court.
Look forward to it.
- Wow. - [door closes]
Nicky Fishwick.
[Carlo] You called?
[Margot] I just wasted my time and your money
going to see Fishwick in his grotty little northern bank.
- He's not gonna play ball. - Then you gotta crush him in court.
[Margot] Not a problem.
Mr. Fishwick is already dead. Now he just needs to get himself buried.
I like the sound of that.
Keep me posted.
[suspenseful music playing]
[man] I think I've got something.
- What? - [music fades]
Deposits that came in right after you appeared on TV.
They're from four Burnley companies with the same address.
What's wrong with that?
They're all subsidiaries of offshore companies.
How many people in these parts have got offshore accounts?
How did we not spot this?
The deposits were under £10,000, and the companies themselves,
they didn't raise any red flags.
But the best part is that Carlo Mancini
is listed as a director of one of those offshore companies.
Christmas bloody pudding.
Well, this is it, huh?
This is… This is the smoking gun.
We could get the court to throw out the case.
- [billiard balls clicking] - Well, thanks so much for talking to us.
We just wanted to ask you a few questions.
Yeah. Could you just talk about the payday loan that you took out?
Well, it weren't me. My eldest, Stacy.
He's the one who took out the loans.
Loans? Wha…
- More than one? - Well, three I know of.
Different companies. About 600 quid in total.
Probably owes thousands now.
Right. And how's he hoping to pay that back?
He's not.
He doesn't have a job.
He works on and off, but all the money he makes is all under the table.
So he only has cash. And you can only pay it back online?
So how did he get the loan in the first place?
He probably lied on the application form and they didn't bother to check.
Nobody with any sense would lend Stacy money.
I wouldn't, and I'm his mom.
Look, Stacy's not a bad lad.
He's got that dyslexia thing, so he was crap at school.
The teachers gave up on him, so he was on a scrap heap before he was 16.
There's no jobs around here for someone without skills.
He lives online and will probably end up in prison.
Might be the best place for him.
Maybe he'll make some friends there.
I'll make you a cup of tea.
Yeah, please.
[somber music playing]
- [Jessica] Thank you. - All right.
Thanks, Sally.
I was married.
We divorced a year ago.
Well, the other day you asked me about my life.
I did.
Yeah. Pan, my ex, she… [scoffs] She thought I was boring.
Or, at least, my life was boring.
Yeah. I do other people's accounts.
I listen to other people's problems at Citizens Advice.
She wasn't wrong. [chuckles]
But what we're doing here
makes me feel like I might be able to make a difference.
I think you are.
Well, I had a thing with this guy who was a cop in New Jersey.
We dated off and on for, like, hmm, three or four years.
But ultimately, we decided to end it
because he wanted a more normal, stable home life.
You know, whatever that means. [laughs]
Anyway, I was always really busy writing my stories. I didn't go out.
And plus-- Ugh! I hated his friends.
I mean, not that I had any of my own, but obviously, we were not meant to be,
which is fine.
We should head off.
Hmm… Yeah.
- [music fades] - [knocking on door]
- [man] Dave, have you got a minute? - Yeah, come in.
You all right, Dave?
I'm proud of this place.
It's the best thing I've done in my life.
And now them lot are just gonna
grind us down to nothing just to make even more money.
Hey, uh, sorry to interrupt. Um…
We have an idea. It's a bit out there.
But as you know, we've been striking out with the payday lending victims
because they're frightened.
But we met a guy in Leeds who took out a couple loans
and he tried to pay them back in cash but couldn't,
'cause there weren't any offices there.
[Oliver] It's all online.
That's not legal.
No, but it does give you an insight into who and what these companies are,
and how bloody hard they make it
for people to physically pay the loans back.
Um… Go on then.
Right. So our idea is that you buy some of the loans
and you try to pay them back.
And we film you doing it.
H… How does that work?
Dave, if you want to save all this,
you need to get public opinion on your side.
We can show people what these companies are like
by making short videos and uploading them to the internet.
If it goes viral, you'll get millions behind you.
- That sounds expensive. - No, no. Listen.
I've got a local lad who does promotional videos for Citizens Advice.
It's not exactly Hollywood comes to Burnley, but he's good.
It won't cost more than a couple of grand.
This is how you fight back, Dave.
Not in the court, but out there in the street.
And the best bit is…
Yeah, we already have a title for the clips.
Dave Fishwick, the Loan Ranger.
[inspirational music playing]
Loan Ranger?
Let's bloody do it.
Okay.
Two seconds, Dave.
Looking good. Okay. Whenever you're ready, Dave.
Today, we're going to go and visit Mary and Ted Boothroyd.
Now, Ted, he were a cleaner before he was laid off.
And Mary, she works part-time as a teacher.
Last year, they borrowed 300 quid from QuickDough.
Just 300 quid.
Today, they owe them £1,900.
So let's see if we can go help them out.
Since we took that loan, we've been saving.
- [music fades] - But it hasn't made a dent.
- How much did you manage to save? - Near on 600.
- But that's not half what we owe. - Right.
Now, at the Bank of Dave, we'd have charged you 340 quid.
So pay me that now, and I'll take on the loan myself.
And all the responsibility for repaying it.
- Yeah, we've got the legal contracts here. - [Ted laughs]
That's amazing, Dave.
But isn't your bank having legal problems of its own?
Well, good news travels fast.
No, it is.
And, uh… and we'll get them sorted soon.
But, uh, you don't need to worry about that,
because I'm taking on the loan personally.
- Okay? - [Ted sighs]
- [melancholy music playing] - [birds chirping]
Right.
[dog barking in distance]
- Hey. - [Oliver] Hey. [chuckles]
- Oh, uh… You know Dave and Jessica. - Yeah.
- Don't worry about… [laughs] - [Zoe laughs]
- How are you? - I'm okay, yeah. Um…
Listen, I haven't told Mom about this yet,
because, uh…
She's been let down too many times, you know?
Yeah, well, um…
[exhales] Not today.
Right.
Yeah.
- Come in. [laughs] - [Oliver sighs]
I've got the paperwork just here.
All you have to do is sign it.
[sighs] It's just…
It's like a huge weight lifted off our shoulders.
- Well, I'm glad. - [Zoe] Yeah.
Mom. Mom. [sniffs]
Just sign. Just sign.
[melancholy music continues]
I don't know what to say.
[laughs]
[voice breaking] I don't know how to thank you.
[Zoe's mom sighs]
Ah, just give us a hug. [chuckles]
[Zoe gasps]
[Zoe's mom sobs]
Come here, love. Yeah, you.
- [Zoe sniffling] - [exhales]
You'll have me going soon.
- [all laughing] - [Zoe's mom cries]
[Dave exhales]
- You okay? - [exhales shakily]
Come on, let's go.
[melancholy music fades]
[chattering]
- [Dave] Hiya, love. We're over there. - Hey!
- Hiya. - [man] Hi, Nicky.
Hey. How did it go today?
Yeah. We got some good footage
Great.
But I meant, how's it going with you?
- I'm fine, thanks. - Okay.
[Oliver] Here we go.
- [Jessica] Okay. - [Nicky] So I have just seen this.
Andrew Stevenson, our MP, is doing a surgery in town on Friday.
We'd agreed the politicians wouldn't be any use.
Well, he backed you when you were setting up the bank,
and helping Dave Fishwick on his new mission
has to be good publicity for him.
Especially now you've got your own film crew.
[Jessica snorts]
People say I'm only with her for her looks.
Right, here's to a great day. Hmm?
And here's to an even better day
when we start trying to pay the money back.
- Cheers. - Cheers.
[joyful music playing]
Cheers.
And these are the head offices?
[joyful music fades]
Apparently.
Hello, boss.
Falafel, chips, and a loan, please.
No, I'm only kidding. Um…
Looking for the offices of SnapCash Advance.
Just round the back, mate.
Cheers, pal.
[Oliver] Anything?
[sighs] Doesn't seem to be anybody at home.
Empty.
Nothing.
Dave.
There's a pile of unopened mail here.
- Here, get a shot of that. - Yeah, on it.
Right.
On to the next.
This looks a bit more hopeful.
Afternoon.
Mr. Jenkins?
Uh-uh… [laughs]
- You can't film in here. - Why not?
Well, because we have rules.
So put the camera down.
[Dave] Just here to pay back a loan from QuickDough.
- Well, that's not something we do here. - No?
But you're a loan company.
You loaned a quarter of a billion quid to people in this country.
Yes.
All our business is done online.
[Dave] Oh. See, like a lot of people, I'm not very good with computers, so…
Can you make an exception in this case?
[man laughing] No.
Please, take that back. I can do nothing with it.
Isn't one of your company's famous slogans,
"Helping people to help themselves." Hmm?
So could you help me to pay back my loan?
- I'm gonna need to ask you to leave. - You're kicking us out for trying to pay?
And who might you be?
A journalist.
Uh…
I need security here.
Now.
- [door opens] - [security] Out. Now.
[Dave] You don't have to push us.
- Come on, mate. - Lovely, warm welcome.
- Pleasure doing business with you. - We got it.
- Bye-bye now. Bye-bye. - You don't want the money, then?
- Thank you. - [Jessica] Bye-bye.
- Get your camera up. - Okay.
- Right. - Yep.
This is the UK headquarters of QuickDough.
They make close on a million pounds a day
in interest payments from the poorest and most vulnerable.
They've got flashy TV--
How are you getting on, Ben?
Yeah, good. Nearly there.
- Good. - Can I borrow your pen?
- [Dave] They've got big posters. - Yeah.
[Dave] They've got their names on footballers'--
[Oliver sighs]
[keyboard clacking]
Do you want to have a little look at this?
Yep.
[inspirational music playing]
[Jessica] Okay.
- [Oliver gasps] - [laughs]
- Sorry. - Sorry.
[Oliver sighs]
Shall I hit play?
- Yeah. - Yeah. [clears throat]
[Dave] This is the UK headquarters of QuickDough.
They make close on a million quid a day
in interest payments from the poorest and most vulnerable.
Now, they've got flashy TV ads. They've got big posters.
They've got their names on footballers' shirts.
What none of them seem to have is somebody you can talk to.
Or… Or an actual place where you can go to pay them back.
More than likely, they're in their big houses in America
counting your money.
And our government, they don't seem to be able to stop them.
They don't seem to be bothered. Well, I am.
And I-- We…
We are trying to do something about it.
Powerful stuff, Dave.
This is legal loan-sharking.
And you lot, you're not doing anything about it.
We're trying, Dave.
There's even a cross-party committee looking into it. [sighs]
But for the coalition government, this just isn't a priority.
[scoffs] Right.
In the meantime,
the payday lenders are trying to shut down the Bank of Dave.
And you know what? They might just succeed.
That would be a tragedy.
Yeah. You're telling me.
Mr. Stephens, we… We truly believe
that the Bank of Dave was set up by these people.
W… What if Dave is able to prove in court
that these charges are totally without merit?
Do that, and I'll file for criminal charges immediately.
And I'll get the Home Office to file for extradition orders.
And I'll hold you to it.
Don't let me down now, Andrew.
I'm with you all the way on this, Dave.
[cell phone ringing]
[Margot breathing deeply]
Mr. Mancini.
Have you seen the clip this Fishwick is posting on the Internet?
[Margot] I have.
They're getting hundreds of thousands of views.
Hundreds of thousands of people with nothing better to do and no voice.
He's telling people to contact their MPs.
I know how your English politicians are. They got no backbone.
They're gonna fold like a deck of cards.
[Margot] This isn't America, Mr. Mancini.
The way it works over here is that if the politicians choose to engage,
there will be a public inquiry,
and that could take years.
But you will lose
if the only voices out there are Dave Fishwick
and his ilk.
So I've created an alternative narrative.
- A what? - I'm using the Russians.
[fire crackling]
The Russian?
What the fuck are you talking about?
I've employed a troll farm
to send out hundreds of thousands of messages on Twitter and Facebook.
- [suspenseful music] - [straining] What kind of messages?
A lot of threats.
Pretty nasty ones, I'm told.
But the main thing is that we paint it as a conspiracy.
"They are trying to undermine industry."
"They are stopping ordinary people from borrowing money."
And your politicians are gonna believe this?
[Margot] Of course not.
But so long as there are two sides to choose from,
they will choose the side with the most money.
Good. Good.
- Sounds like you got it under control. - I do.
But it only works if you bring this Fishwick down.
You must win this case.
Oh, I will.
[suspenseful music fades]
- [phone line ringing] - [clears throat]
[wincing]
- [Jessica] Hi. - Hey. [laughs]
How… How's it going?
How's the, uh, article coming along?
Yeah, good. But I'm pretty much done for the day, so.
Yeah. Yeah, yeah.
Me too. [chuckles]
Um…
Do you fancy a drink?
Yes.
I would.
Great. Great.
Well, um… I know a… a local place.
[breathing shakily] It's intimate. Well, not too intimate.
I'll… I'll, uh, send you the details.
[Jessica] Okay. See you soon.
[shuddering, raspy voice] Okay. Bye.
[sniffs]
[woman] …their gates. Jacobsen remained behind…
[Nicky exhales]
What's this?
I'm looking for that film
that Hugh and Alexandra were going on about. That…
"You can't handle the truth."
A Few Good Men.
Jack Nicholson.
Tom Cruise.
Brilliant.
I'm the only one who hasn't seen it.
Anyway, I couldn't find it, but I did find this.
It's brilliant.
[woman] …continues to protest his innocence…
Hang on. You're not thinking what I think you're thinking.
I wouldn't know.
Don't tell me you fancy getting up in court and doing a Tom Cruise.
It was just a thought.
Oh, Dave, this is serious stuff. You need a proper lawyer.
Yeah, you're probably right.
You know, if you got there, you'd be more like Joe Pesci.
[laughs]
- Who? - My Cousin Vinny.
We saw it together.
[in New York accent] "My biological clock is ticking."
- "Ticking. Ticking. Ticking." - Oh yeah, yeah.
[laughs]
I remember now. She won the Oscar for that.
Yeah. She deserved it too.
If I remember right, Joe Pesci, he won the case.
Oh, Dave.
Don't let that give you any bloody ideas.
You've worked too hard on all this to take any risks.
[somber music playing]
- So how's it all going? - [music fades]
Yeah. I mean, I'm really pleased how it's all panning out.
The stories that the victims told are really strong, powerful.
[sighs] I'm gonna show my financial editor
that I know how to do a human interest story just as well.
It's what she calls cerebral.
Right. Yeah.
That all sounds very promising for your career.
Wait. What's that supposed to mean?
Uh… [sighs]
Well, just that for me, this isn't about trading on people's misery.
If we don't make a change, then that's a blow to the whole community.
Wait. Hold on. [scoffs] We're on the same side here.
I care too.
That was uncalled for. I'm sorry.
It's okay.
It's not your fault that I always seem to be consumed
by other people's problems.
Well…
I'm sorry for going on and on about myself.
Here's the thing. I, uh, I don't have anything else to be obsessed about.
- [fire crackling] - [indistinct chatter]
But I am enjoying working with you.
- Really. - Yeah.
- We make a pretty good team, right? - Yeah.
I mean, when we're…
- When we're working together. - Yeah.
- Professionally. - Yeah. I know what you meant.
So, um… Do you like Burnley?
I do.
Everybody is, like, so nice.
This weekend, there is something that you just have to experience. [laughs]
Okay. Go on.
Oh, um… Okay.
- I've got three words for you. - Mm-hmm.
Burnley
Football Club.
Oh.
[upbeat music playing]
[shouting indistinctly]
[all shouting] …Burnley! Come on, Burnley!
[Jessica] Hi.
Come on, Burnley! Come on!
- Here we are. [chuckles] - Yeah.
Oh, Jess, here.
Initiation scarf.
Friendly service.
- It's cold out there. So, you know. - Thank you.
But just so you know, this is not a date.
[Oliver mutters]
Yeah, of course. [laughs] It's just footies, so… Yeah, I know that.
- What's all this in aid of? - Oh, hello.
All right.
Uh… This is the courtroom.
Huh?
Those are the press, and those are the opposition lawyers.
And this is the judge.
Are you ready?
For what?
For the rehearsal, for getting ready. Come on.
- Oh, don't be daft. - We've got to practice.
You said you would if you'll insist on representing yourself, Dave. Come on.
Come on, this is serious stuff, okay?
Are you ready?
- Does the giraffe have to be the judge? - What's wrong with the giraffe?
I don't trust giraffes. They're too tall. I want the dachshund.
You can trust a dachshund. They're down to earth.
Just use your bloody imagination, Dave. Come on.
- Are you ready? Is he all right? - Mm-hmm.
He's a bit stern.
- I can't believe I'm doing this. - Court is in session.
[Dave sighs]
Right. Hello, Your Honor.
Hands out of your pockets. Stand up straight.
There you go. Good energy.
My name's Dave Fishwick, and I sell minibuses.
[smacking lips]
Used to be vans. Any color you like, so long as it's white.
Christ almighty, Dave, everyone in Burnley's heard that
a million times.
Something else. Something engaging.
Straight to the point.
Two years ago, I founded Britain's first community bank, the Bank of Dave,
using local money to help local people and families.
- [loud chattering] - Welcome to Turf Moor!
[announcer] Welcome to Turf Moor! The home of…
Right. So basically, all the players,
they start off there, in the center circle.
Come on! The players are coming out now!
[crowd cheering]
[all chanting] Come on, Burnley!
Come on, Burnley! Come on, Burnley!
Keep doing it!
Come on, Burnley! Come on, Burnley!
Last time,
it was the financial institutions that tried to close me down.
Yeah. They threw everything they could at me, every trick in the book,
which we exposed in the documentary that was made about my life--
[Nicky] Hold on a second.
You can't bring up the television program. Not everybody's seen it, have they?
[Dave mutters]
[crowd cheering and exclaiming]
[Oliver] Oh, what a miss!
I have no idea what's going on, but I… I'm enjoying it.
Oh, well, um… Basically, we haven't got our best center-forward here,
but we just won a corner, and we're doing pretty well on the set pieces, so…
- Got it. - Yeah.
Come on, Burnley!
[all cheering raucously]
Come on, Burnley!
- That's a goal? - Yes, we scored!
[both laugh]
[Oliver exclaims]
I went on national television,
and I told people I wanted to close down the payday lending companies,
and now the payday lending companies want to close me down.
And this lot, they're doing their dirty work.
And they're not going to take that sitting down. So do you have any proof?
I do, Your Honor. I can prove to the court that this were all a set-up!
Well, great, then you're going to be fine.
Just, you know, you're not Paul Newman, and you're not Tom Cruise.
No, I'm Joe Pesci.
No, Dave, you're not him, and you're not a lawyer.
[Nicky sighs softly]
You're an ordinary bloke standing up against corruption,
standing up for ordinary people,
who don't have lawyers and who don't have a voice.
[Dave sighs]
You're gonna to be great.
[birds chirping]
What are you looking at?
We've linked the payments to Mancini, but it's not enough.
We have to prove that we were set up beyond reasonable doubt.
You know, what I don't understand is, how they know this is dirty money.
At least one of the shell companies has been indicted in the US
on a RICO charge.
A what?
Racketeering.
- Whe… When was this? - Just before the deposit was made.
We should've picked up on it,
but our searches don't extend as far as the US…
[cell phone ringing]
I've got to take this. Excuse me.
Well, we've just got to keep on digging.
Pray that we come up with something definitive.
- [door closes] - [intercom rings]
- Yes? - [Mary] Call for you, Dave.
Sir Charles Denbigh.
[intriguing music playing]
I'll take it in my office.
- [woman] How's the article coming along? - [music ends]
[Jessica] Yeah, I'm almost done.
Good.
Because I have some good news.
Four years ago, our editor was given 100 altcoins.
Now, at the time, they were worth a cent each.
Yesterday, he considered selling them
and discovered they were worth over half a million dollars.
I bet that made him happy.
[woman] He was furious.
He called me into his office and demanded to know
how we'd missed the biggest story in the history of capitalism.
So I gave him your proposal.
And?
He loved it.
He wants you back here on a six-month contract with a pay bump.
[exhales sharply]
But I'm not done here.
Well, you said you were.
Did I mention he wants a series?
And he wants to put it in the news section.
You're going into the big time.
[exhales]
[intriguing playing]
- [indistinct chatter] - [phones ringing]
[phone clattering]
Hello.
[Denbigh] Mr. Fishwick?
Anyone and everyone can call me Dave.
What can I do for you, Sir Charles?
It's the other way around.
I've been made aware of your current legal difficulties,
and I may be able to be of some assistance.
Can we meet?
I'm on my way to a baby shower in Skipton, but I could be with you by six.
I'll see you at the bank.
[Denbigh] Good.
[receiver clicking]
[intriguing music fades]
- [Oliver] Hey. - Hey.
You okay?
I have to go to New York.
Oh, okay. Um… When?
Tonight.
The paper finally offered me a long-term contract.
Oh.
- Uh… - [wistful music playing]
- Uh… Uh, congratulations. - Thanks.
Uh… But, um…
We're not done here.
I know.
But… I'm sorry.
It's… You know that I can't…
I mean, this is an opportunity I can't turn down.
Wait… Jess, we're… We're trying to make a difference here.
Do you know how many people are gonna suffer
if the Bank of Dave closes down?
And right now, that looks like the most likely outcome,
unless we can find something that can help Dave at the trial.
- Yeah. I understand. - No. I… I don't think you do.
I do understand. But I'm a writer.
You're the activist. You are so much better at this than me.
Jess, please. I…
We're a team here. We…
I… I need you here.
Oliver.
[wistful music continues]
Okay.
Fine. Um… Of course.
This is all about you.
- Not at all. - Whatever.
Clearly, I was wrong about you.
- Have a nice flight. - Oliver.
[footsteps receding]
[wistful music fades]
[indistinct chatter]
And when the balloon popped, the powder was pink and blue.
- [Mary] Oh! - [Denbigh] Twins.
David.
[Dave] Dave.
Dave.
Charlie.
Take a load off.
So this is it.
The famous Bank of Dave. [chuckles softly]
I see you're keeping your overheads down. That's smart. [chuckles]
Firstly, I must apologize for the underhand tactics I employed
when I tried to have you shut down.
Still won.
You did.
I ended up with egg on my face, and you ended up the hero of the hour.
Not to mention the fact that you sang on stage with Def Leppard.
[laughs] I was very envious.
Back in my college days, I have to admit, I was a bit of a fan.
You said you wanted to help. Why?
You may have noticed that the so-called high street banks
have been closing down high street branches.
Rather, a lot of them. Because they're just not profitable.
We still pretend to look after our retail customers.
Even though we can't give them the personal attention they require.
But the Bank of Dave can.
I want to see more Banks of Dave across the country.
I'd support them any way I can.
On the appropriate terms, of course.
Well, it's good to know.
But right now, the original Bank of Dave's in serious trouble.
Yes. I've been following the case.
I've also been watching your internet clips.
You're absolutely right about these payday lenders.
They are abusing their customers and the system.
It has to stop.
I want to see them shut down as soon as possible.
Right. Well… Looks like we finally agree on something.
Like it or not, Dave, we're both in the banking business.
And they're making us look bad, which is hard.
Especially given that, um…
Everyone hates bankers.
Exactly.
We've been lobbying our friends in Parliament,
but they're always of the opinion
that they have more important issues to deal with.
However,
if we could expose these companies in a public arena,
say, a court of law,
then the politicians would have to take notice.
Look…
[breathing deeply] …I know I was set up. I just…
[sighs] …I can't prove it.
That's where I can help.
Give him a call.
He worked for QuickDough.
For them?
- Why is he gonna help me go against them? - He's a lawyer, Dave.
He works for whoever's paying him.
And, at the moment, that's me.
If you need any corroborating evidence, give my office a call.
Good luck in court.
[emotional music playing]
[indistinct chatter]
- [Dave] The usual place, Ed. - [woman] Hiya.
- [Oliver] Hey, Dave. - Hey.
Everything good?
Yeah.
You know, everything's going pretty well.
How are the clips doing?
Well, we've got over two million views now.
- Two million? Are you kidding me? - Yeah. [chuckles]
Another 998 million, and you'll be bigger than Gangnam Style.
[laughing hysterically] Blooming hell!
Where's Jessica?
[wistful music playing]
Oh, she, uh, had to go back to New York. Something urgent came up with work, so…
Oh.
Well, that's a shame.
You, um…
- You all right with that? - Yeah.
- Yeah? Good. - Yeah.
[indistinct chatter]
So… How are you feeling about tomorrow?
You're confident?
Well, some people might say I'm an idiot for representing myself in court.
You've got a lot of support on this, Dave.
People are starting to take notice of what you're doing,
what we're doing here.
You've got a whole community backing you.
And they're not just standing up for you. They're standing up for themselves.
[reporter] It's a big day at Burnley for Dave Fishwick,
who we had in the studio just a few months ago.
He's in court fighting to keep the Bank of Dave open for business,
following accusations of money laundering.
He believes that he was set up by the same payday loan companies
he's trying to close down.
Now, according to Dave,
they're loan sharks and should be held to account.
Now, he's got loads of local support, and that includes me.
[crowd cheering and applauding]
[indistinct shouting]
[crowd clamoring]
Thank you so much for coming.
[man] All right, Dave!
- Hey! - Hey!
[Dave] I just wanna say thank you.
Thank you for coming to support the Bank of Dave.
[camera shutters click]
Look, this lot, the payday loan companies, they want to close us down.
Why?
- Because we're doing things differently. - [motivational music playing]
[all] Yes!
- Because we're doing things better. - [crowd] Yes!
Because we're putting people and communities before profits.
- Yes! That's right! - And they don't like that.
Look, I know times are hard.
And…
Well, they're probably not gonna get better any time soon.
But that means that now, more than ever,
we've got to pull together…
[all] Yes!
- To look after each other… - Yes!
- To have each other's backs. - [man] That's right.
Because if we don't, they sure as hell won't.
- Yes! - Yes!
[Dave] So wish me luck in there.
Let's go give them hell!
[crowd cheering]
[rousing music playing]
[indistinct chatter]
Psst! Hey.
[music fades]
- [gavel banging] - [coughing]
Dave Fishwick has styled himself
as a kind of latter-day Robin Hood,
a self-made millionaire who is a savior of the community
and a friend to the ordinary working man.
At least, that's how he comes across on television.
We all know that the media like to embellish and exaggerate
in order to entertain.
But here, here in this court of law,
we are not afforded poetic license.
Here, we require the truth, the whole truth,
and nothing but the truth.
She thinks she's Tom Bloody Cruise.
And the truth is,
Mr. Fishwick financed his business with dirty money.
Money that came from the crimes and illegal activities
that are destroying the very communities he claims to support.
Now, every bank, even the Bank of Dave,
is legally required to determine the origin of all deposits.
Those are the rules. And they apply to everyone equally.
Today, we are asking this court to enforce those rules.
Mr. Fishwick.
Thank you, Your Honor.
I'll be brief.
This were a set-up.
They represent a bunch of criminals.
They're the ones who should cease and desist.
No, in fact, they should all be put where they belong.
Behind bars.
[crowd murmurs]
Mr. Fishwick, you're opening yourself up to a charge of slander.
Not if I'm telling the truth, Your Honor.
The truth, the whole truth, and nothing but the truth.
If you can handle the truth.
You'd better have proof of these allegations.
Oh, I do.
I'd like to call my first witness,
Mr. Miles Thornton,
from the London law firm Thornton, Arbuthnot, Welsh.
[crowd murmurs]
From January 2011 to October 2012,
I was engaged by Coleridge Financial Services,
a corporation in the United States that own QuickDough here, among others.
And what did you do for this US corporation?
I set up a string of shell companies in different tax jurisdictions.
I also set up their bank accounts in different places,
including some of the UK's best-known high street banks.
And they didn't discover that the money was dirty?
At that time, none of the companies were under indictment.
But now they are,
which means that we have access to their financial records.
Now, I know this is a lot to go through,
but one entry might be of particular interest.
It would appear that two years ago,
a retainer for legal services was paid by one of these corporations
to your law firm.
Your Honor, all this is new to us.
Can we ask for an adjournment?
You can take half an hour, but when you come back,
you've got some explaining to do.
[tense music playing]
- [door closes] - [Dave clapping]
[footsteps receding]
[music fades]
I don't think we have a choice.
Your Honor, in light of this new evidence,
we move to withdraw the case.
[crowd gasps]
Silence!
I'm afraid it's not as simple as that.
All of this exonerates Mr. Fishwick and the Bank of Dave,
but it's also evidence of a criminal conspiracy.
I'll be passing all of this to the Crown Prosecution Service
for them to file charges against your clients
and also against you.
[gavel bangs]
Case dismissed.
- [triumphant music playing] - [crowd cheering]
Gorgeous!
[all exclaiming]
- [cell phone vibrating] - [music fades]
Andrew.
[Andrew] Congratulations, Dave.
You wiped the floor with them buggers.
This is just the half of it, mate.
Now we've got to finish the job.
If we don't go after the top dogs, they'll just start up again.
Yeah, I understand.
Look, I'm going to push the Home Office, try and get him extradited.
If you can do that, mate, I might even vote for you myself.
I'll speak soon. Take care.
[cheering]
[all cheering]
[Dave] Whoo-hoo!
Thank you, Dave.
[man] You did a great job!
[applause fades]
[cell phone ringing]
- Hey! How… How are you? - Yeah, yeah. I… I… I'm okay.
I just… I just wanted to say,
I'm sorry for not returning any of your calls.
It's, um…
It's been sort of crazy here.
But, um…
The good news is…
The case has just been thrown out.
- They've won. - What?
[laughs hysterically]
[softly] Sorry. Sorry.
Wow. Oh my gosh. I wish I was there.
Yeah.
Yeah, I… I wish you were here too.
[melancholy music playing]
I'll call you when I… when I get home.
- Oh, and, Jess, um… - Mm-hmm?
I'm really glad you came to Burnley.
- [softly] Me too. - [melancholy music fades]
- [woman] Congratulations. - Thank you.
- Thanks so much. - Thanks.
I don't believe it. They've heard about it in America.
- Who's telling you that? - Rick Purdy.
- No! - Yeah, he's with Def Leppard. [laughs]
- They're on tour in the States. [sniffs] - Oh!
I'm quite looking forward to a trip to America.
- You what? - Yeah.
Well, if Andrew comes through for us,
do you really want some American lawyer
to serve Mancini with an extradition order?
[mysterious music playing]
Come on.
[Carlo] No appeal?
What kind of third-world legal system do you have?
What happened to your Russian-led campaign?
Look, QuickDough is toxic.
Then we rebrand and relaunch.
You just need to keep your name out of it.
Yeah, I got it.
And remember, you owe me half a mil.
Ugh. Twat.
- [cars honking] - [sirens wailing in the distance]
[cell phone ringing]
Hey. What's going on?
Well, we're up to almost five million views of the clips,
which is, uh, promising.
Well…
But there's also all these wild conspiracy theories
circulating on the net, and, uh,
most days, uh, Dave and I get death threats on social media.
Okay, you need to be careful.
It's just paid trolls. They're flooding the media with nonsense.
None of it makes any sense.
But Dave thinks these theories
might turn into an excuse for the politicians to drag their feet.
Well, that could be really bad.
Also, I was asking how you were doing, but go on.
Look, Dave wants to force their hand
by bringing Mancini to book,
and he wants to serve the extradition order himself.
Dave's coming here?
Yeah, he is.
And, uh, so is Nicky, and…
So am I.
No. That's exciting.
Yeah, I know. [chuckles]
Sorry.
Uh, Dave wants you to find out where Mancini's gonna be.
[Jessica] I have a friend that works at the Jersey Police Department.
They've been after Mancini for years.
Great. Great. We're flying in next Friday.
Okay. [laughs]
Right, well, uh… Do you need me to pick you up from the airport, or…?
No, it's too much hassle. We'll grab a cab, and we'll come to you.
Okay. [laughs]
Is this happening? Because I can't wait. [laughs]
Yeah.
Me too. [exhales]
- [knocking on door] - [man] Yeah, come in.
[door opens]
- Jess. - [Jessica] Well, hey.
- [man] Get over here. - [Jessica] How are you?
[groans] Meh.
Yeah?
- Well, you look well. - Oh!
Well, you were always a lousy liar.
[chuckles] Oh, uh, I was gonna call you,
because I read the article you did about the payday lender victims.
- They owe you a Pulitzer. - Okay, not gonna happen, but thanks.
I was also very surprised
because you said that you were leaving your apartment,
but, no, you're leaving the whole country.
Yeah, well, anything for a story, right?
And broadening my horizons turned out to be surprisingly enjoyable.
Oh, okay. Hey, I'm happy for you.
Okay, I need a favor.
So Dave Fishwick, who's been campaigning for the payday lenders.
- Yeah? - He got an extradition order for Mancini.
- No shit. - Yeah.
- Beautiful. - Yeah.
So it's time for this scumbag to face the music.
Yeah, but is he gonna comply?
Not a chance. Doesn't matter.
He's been trying to build up a criminal empire for the last five years.
Right? Making it into a legitimate business.
And along the way, he has corrupted more than a few.
Financiers, politicians, lawyers.
And although they are all venal and unscrupulous,
they will run for the hills
in order to avoid being associated with such blatant criminality.
Without them, he goes back to being a straight crime boss.
Easy target for the feds.
- And for me. - Yeah, I get that. But here's the thing.
Dave wants to personally hand him the extradition order.
We just need to find out where Mancini is.
[joyful music playing]
Well… [clears throat]
Yeah.
I would, uh,
be very happy to help you out with that.
["New York" by Caroline Lofts playing]
[cars honking]
- Here you go. - Thanks.
Welcome.
♪ Oh, oh, oh, oh, oh, New York ♪
♪ Don't hide no more ♪
♪ The City… ♪
Howdy doody!
I'm Dave.
[man] Hey, Jess.
Ah! There she is!
- Hey. - [Dave] Hey, how you doing?
- [Jessica] Good. You? - Good to see you.
- [Jessica] You too! - [song ends]
- Oh, is that your boss? Hiya. - [Nicky] Hey. [laughs]
Hey. Dave Fishwick. Nice to meet you. How you doing?
Hello. How you doing?
Oh! Look at the view.
- [Jessica] Hey. - Hey.
[Dave] The Big Applee-Doo-Dah!
- Come here! - [Dave] Well done.
- [Jessica] Well, how was your trip? - Yeah, good.
- You must be knackered. - Look at you with the lingo. Oh! Grand.
No, just raring to go.
Well, good thing because the New Jersey police came through for us.
- Yeah. - [Jessica] Yeah.
So this is Mancini's home.
He lives in a gated community in Wayne, New Jersey.
This is where he works.
In order to serve someone, you have to physically hand them the legal documents.
Now, we won't be able to do that of course at these places because,
according to Detective Adams,
security won't let us get anywhere near him.
But, hold on.
Every Sunday at lunchtime, he and his cronies
go to the same Italian restaurant in Patterson.
It's a ritual they've been doing for years.
That's where we get him.
Great. How do we get there?
Well, I made a reservation for an hour and a half,
if you guys wanna check it out.
[suspenseful music playing]
Let's go get ourselves some pasta.
[Nicky giggles]
- Oh, let me just… - Oh.
[emotional music plays]
Thanks.
[dramatic music playing]
[indistinct shouting]
Thank you.
- Yeah, Paterson is a bit like Burnley. - [music ends]
This used to be one of the richest cities in America.
They would manufacture silk and beer and Colt revolvers,
but now it's the poorest, and probably the most dangerous.
And unlike Burnley. Um… I don't know.
Nobody really gives a damn around here, so it gets worse every day.
- [waitress] How we guys doing? - Great, thank you.
- The food is fantastic. - [waitress chuckles] I'll tell the chef.
It's all good. In fact, I think we'll come back for lunch tomorrow.
You won't get any arguments from me. I love Italian.
- Can I make a booking? - Uh…
Yeah, I mean, it's not really necessary, but I'll put you down anyway.
- What time? - Let's say 1:00 p.m.
[waitress] Cool.
- I'll call to confirm. - Gotcha.
[indistinct chatter]
As soon as I've served him the papers,
we pick up our stuff from the hotel,
and then… head straight to MetLife Stadium.
- Why are we going there? - Def Leppard are playing.
- I'm so excited. - Wait, what?
- We know their manager. - No.
[waitress] So?
Desserts?
- You? Want something? - I'll have a gelato. [laughs]
- Yeah. All right. - [chuckles]
- [suspenseful music playing] - [sirens wailing]
[music fades]
Okay, my friend said they'll be here in five minutes.
[door opens, creaks]
Dave.
[mysterious music playing]
Okay. [exhales]
I'll meet you all back at the hotel.
- I'm not leaving you, Dave. - I'll be fine.
Are you sure, Dave?
[music ends]
I'll be fine.
[kissing]
[subway rattles]
[suspenseful music playing]
[engines roaring]
[tires screeching]
[indistinct radio chatter]
[car door closes]
- That's fine. Thank you very much. - Oh wow! Thanks, sir. So kind.
[man sighs softly]
Dave.
[music fades]
Detective Adams. How you doing?
All right.
Long-time friend of Jessica's. She told me what you were doing.
I thought you might need some backup.
- I appreciate it. - [chuckles]
You could have got a lawyer for this.
Yeah, I know.
But I've been fighting this guy for months,
and it's the first time I've seen him in the flesh.
I just want to be able to look him in the eye
when he learns the game's up.
All those people he took advantage of.
All those people he left powerless.
[subway rattles]
Well, I want him to feel the same.
Me too.
I came close a couple of times, but…
Nothing stuck. You know, none of the witnesses would testify.
Why not?
[scoffs] He uses the same tricks as, you know, Pablo Escobar.
Plata o plomo.
I don't speak French.
[chuckles] You can either take his silver or his lead.
Right.
He made them an offer they couldn't refuse, huh?
[Adams chuckles] Yeah.
Look, don't underestimate this guy.
He's very dangerous. You have him cornered, okay?
When this is done, you leave immediately.
I've got four armed officers outside. I'll make sure you're not followed.
Oh… Well, we…
We've got tickets back to London late tonight, but…
[suspenseful music playing]
Well, we'd hoped to go to a concert at MetLife Stadium beforehand.
Skip the concert.
Right.
You ready?
As I'll ever be.
Okay.
[music swells]
[bodyguard] You can't go up there.
Hey, detective.
How can I be of assistance?
I'm good, thanks.
But my English friend here, he'd like to have a word with you.
[music becomes joyful]
Hello, Mr. Mancini.
My name is Dave Fishwick.
I'm from Burnley.
And you…
[epic music playing]
…can consider yourself served.
He's not gonna take this lying down.
- My legs are turned to jelly. - I'd pick an earlier flight if I were you.
[sirens wailing]
- I can't see anything suspicious. - [music fades]
I really don't think they're following us.
- There are no seats on earlier flights. - [knocking on door]
- [Nicky gasps] - Oh crap.
[Nicky exhales sharply]
[Nicky breathing heavily] Oh, for heaven's sake.
- No, don't. - Huh?
I'll go.
[Nicky exhales sharply]
Oh. It's all right. You don't need to panic.
Oh, Jesus.
- [Dave] Hi. Hey. - Hey.
- How youse holding up? All right? - Okay. Just keen to get away.
- This is my wife, Nicky. - Hey.
You know Jessica. This is Oliver.
- [Nicky] Nice to meet you. - Hey.
Hello, Jessica.
[Adams] Who are you?
I'm, uh, Oliver.
Detective Adams.
- Oh. Okay. - [melancholy music playing]
[Dave] So what's up?
So we got some bad news.
Um, Mancini sent out about half a dozen of his men.
And we can only assume they're looking for you.
You're kidding.
Uh… Good news is they ain't found you yet.
[Dave sighs]
Well… We're struggling to get away early, so…
Well, staying here ain't an option.
So, uh… [sighs] …maybe you just do go to the concert, you know?
They're gonna have a hard time tracking you through a crowd that big.
It'll be risky getting you there, but I'll take care of that for you.
- [Nicky] Oh, thank you. - [Dave] Really?
- You'd do that for us? - [optimistic music playing]
I like you.
- So… good? - Yeah.
Pack up your shit.
[rock music playing]
[sirens wailing]
[car doors closing]
Listen, thanks so much for doing this.
Uh, it's worth it just to see the look on his face when you served him.
[laughs]
- That was pretty good, wasn't it? - [Adams] Yeah.
All right. You should all be fine in there.
I got my men stationed out front.
They're going to keep an eye out for Mancini's men.
Just enjoy your concert.
Thanks, pal.
All right.
- [Nicky] Hey, thank you. - Thank you.
[indistinct chatter]
[Dave chuckles]
- Mike! - [softly] Oh!
- [Mike] Dave, you made it. - [exclaims] Great to be here.
Ah, Turf Moor seems like it was a lifetime ago.
- You're telling me. - [Mike] Hey, here's some passes.
VIP. Whoo-hoo!
The guys would love to see you after the encore.
Let's head to the dressing room. Come on.
Let's go.
["Pour Some Sugar on Me" performed by Def Leppard]
♪ Pour some sugar on me ♪
♪ Ooh, in the name of love ♪
♪ Pour some sugar on me ♪
♪ C'mon, fire me up ♪
♪ Pour some sugar on me ♪
♪ I can't get enough ♪
[Nicky] The blue one is soft, but I think this is a bit more rock and roll.
[Oliver] Yeah.
- [cell phone chimes] - It's just water and orange juice.
How do I look?
Good.
Do you like the cap?
[Jessica] Dave?
What?
Mitch said that Mancini's guys are outside.
[band playing in the distance]
- How? - Because they were tracking your phone?
I used it to confirm the booking at the restaurant.
He's still in there.
No movement so far.
[crowd cheering]
He's gotta come out soon.
♪ Pour your sugar on me ♪
♪ Oh-ooh ♪
♪ Pour some sugar on me ♪
♪ Yeah, sugar me ♪
- [band playing final chord] - [song ends]
[crowd cheering]
[inaudible]
[applause and cheering fading]
So they're really gangsters?
Oh, yeah. The FBI and the Jersey police, they have files on them like…
like this thick.
And they're still allowed to do business in the UK?
Not for much longer, I hope.
All right, then. You're all coming home with us.
What?
Seriously, we got loads of security
- And our own jet. - Yeah, it's perfect.
Oh no.
Look, that's incredibly generous of you, but these lads aren't messing about.
If they see me with you, it could be dangerous for you.
Dave, they're not gonna see you.
How do you mean?
What, in here?
You need to leave your phone here.
- Oh, it's… It's turned off. - Yeah, they can still track it.
I saw it on CSI.
We'll let you out when we get off the ground.
Right. [sighs]
I don't know. I'm slightly concerned about this.
Yeah. Yeah, me too.
[melancholy music playing]
So what do you think about me going with you?
What? To… To Burnley?
Yeah. I miss Burnley.
And I miss you.
Yeah. Yeah, I… I think that's a good idea.
[music fades]
[Dave groans]
- You're good? - Relax. Everything's gonna be all right.
You know what, Dave?
Somebody should make a movie about your life.
Don't be daft. Who in their right mind will want to watch a movie about me?
[crowd laughing]
[Dave] You think I'm lying, but I'm not. I think I was lying, but I'm not.
[crowd laughing]
I'm being serious.
Then what happened, Dave? How did you get back here?
Well, we're talking about rock legends, Jeff.
So of course they got their own private jets.
I were in the hold along with the rest of the band's gear.
Ten minutes after takeoff…
Is he dead?
Nope. Just sleeps like that.
I slept like a baby.
[crowd laughing]
Well, this story, it's got an even happier ending,
because last night QuickDough went into receivership.
- They're out of business! - [crowd cheering]
And Carlo Mancini has been charged by the FBI.
And I'm hoping…
I am hoping that in the coming months and years the rest of them will follow.
[crowd cheering]
And I'm thankful for Andrew, our MP,
he's putting pressure on the government
to make sure they introduce new legislation
so that nobody can take advantage of the most vulnerable ever, ever again.
[crowd cheering]
So tonight, we're gonna celebrate!
But first, I'd like to introduce a couple of people up to the stage
who've helped us along the way.
Firstly, my wife Nicky.
- Come on up here. - [crowd cheering]
Yeah.
Couldn't have done it without her. Huh? Any of it.
- Next, Oliver and Jessica. - [Jessica gasps]
[crowd cheering]
Put your hands together for these two.
They were the brains behind the whole thing.
Now, not many people can say that a rock band has saved their life,
but in my case, it's actually true.
Last time I saw them,
they were playing in front of 85,000 screaming fans.
Tonight…
- It's for you lot. - What?
Ladies and gentlemen, please put your hands together
and welcome to the stage my friends Def Leppard!
- [crowd cheering] - No way!
Oh, my lad!
Oh my God!
[Dave] The men who saved me!
Def bloody Leppard!
Make some noise!
[crowd continues cheering]
Right!
Are we ready?
[all] Yeah!
Are you ready?
[all] Yeah!
["Stand By Me" by Ben E. King playing]
[fingers snapping]
♪ When the night has come ♪
♪ And the land is dark ♪
♪ And the moon Is the only light we'll see ♪
♪ No, I won't be afraid ♪
♪ Just as long as you stand ♪
♪ Stand by me ♪
- Come on, everybody! - Come on!
♪ So darlin', darlin', stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand, stand by me ♪
♪ Stand by me ♪
♪ If the sky that we look upon ♪
- [Dave] Zoe! Zoe! C'mon up. - [Zoe] No!
♪ Should tumble and fall ♪
[Dave] You gotta hear this girl's voice!
♪ Or the mountains Should crumble to the sea ♪
♪ I won't cry, I won't cry ♪
♪ No, I won't shed a tear ♪
♪ Just as long as you stand ♪
♪ Stand by me ♪
[Dave] All together now!
♪ So darlin', darlin', stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand now, stand by me ♪
♪ Stand by me ♪
♪ Whenever you're in trouble Won't you stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand now, stand by me ♪
♪ Stand by me ♪
[all cheering]
[song fades]
["Just Like 73" by Def Leppard playing]
♪ Hey! ♪
♪ I see your cosmic fingers A-pointing in my way ♪
♪ I see mystic vision Through the laser head ♪
♪ A stardust religion It's the end of days ♪
♪ A ride to the crazy on electric phase ♪
♪ When love took disciples In the pleasure of dawn ♪
♪ A scene revolution we can call our own ♪
♪ Hey-oh, wanna rock with you ♪
♪ Just like 72 ♪
♪ Hey-oh, rock with me ♪
♪ Just like 73 ♪
♪ Hey! ♪
♪ Just like 73 ♪
- ♪ Hey! ♪ - [song ends]
["Stand By Me" by Ben E. King playing]
♪ When the night has come ♪
♪ And the land is dark ♪
♪ And the moon Is the only light we'll see ♪
♪ No, I won't be afraid ♪
♪ Just as long as you stand ♪
♪ Stand by me ♪
♪ So darlin', darlin', stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand now, stand by me ♪
♪ Stand by me ♪
♪ If the sky that we look upon ♪
♪ Should tumble and fall ♪
♪ And the mountains Should crumble to the sea ♪
♪ I won't cry, I won't cry ♪
♪ No, I won't shed a tear ♪
♪ Just as long as you stand ♪
♪ Stand by me ♪
♪ So darlin', darlin', stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand now, stand by me ♪
♪ Stand by me ♪
[instrumental part of the song continues]
♪ So darlin', darlin', stand by me ♪
♪ Oh, stand by me ♪
♪ Oh, stand now, stand by me ♪
♪ Stand by me ♪
♪ Whenever you're in trouble Won't you stand by me ♪
♪ Oh, stand by me ♪
[song fades]