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Downloaded from
YTS.MX
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[inspirational music playing]
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Official YIFY movies site:
YTS.MX
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[emotional music playing]
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[woman] That was a clip
from the recent documentary
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about the founding of this country's
first-ever community bank.
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Yeah, the Bank of Dave.
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In the studio, we have Dave himself.
All the way from Burnley. Hey!
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- So good to have you, Dave.
- Good to be here. Thanks for inviting me.
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So when did you have the first idea
for the Bank of Dave?
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Well, it was during the financial crisis.
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I'd built up a…
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Well, it's a good business,
selling vans and minibuses
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{\an8}but, a lot of my customers and friends,
they were struggling.
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These were people that I believed in
so I lent them my own money.
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Sure enough, they got back on their feet,
and paid me back.
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{\an8}Some of them asked me to invest
some of the extra money that they'd made,
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{\an8}but for that, I needed to be a bank.
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{\an8}[laughs] Which you named after yourself.
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{\an8}[woman laughs]
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{\an8}Well, in my defense,
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{\an8}calling it the Bank of Dave,
that were my wife Nicky's idea.
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She's been behind me all the way on this.
She's been brilliant.
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So how did I do?
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Do you really need me
to feed your ego, Dave?
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Yes.
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- You did great.
- Thank you. [chuckles]
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Can we go home now?
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We can get shot of London, but we still
got the radio show in Manchester to do.
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- So…
- Oh!
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Who knew being famous was this tiring?
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- Oh, give over.
- [music fades]
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Anyone calls for Dave?
Let's go to Mavis from Salford.
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What would you like to ask, Mavis?
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[Mavis] Thanks for taking my call, Graham.
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You're very welcome.
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[Mavis] Mr. Fishwick.
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Dave, please. Make me sound like
I've done something wrong.
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[Mavis] Right. Hello, Dave.
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So tell me this.
If I borrowed 200 quid from your bank,
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how much would I owe you in a year's time?
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Uh, well, we charge
different interest rates
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depending on what you can afford.
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But, uh, on average, it's just under 8%.
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So if my math is right,
uh, you'd owe 216 quid in a year's time.
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[Mavis] Right.
And what about late payment fees?
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No, no. So long as you got a good reason,
we don't charge them.
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[Mavis] That's nice.
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I just wanted to tell you.
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Twelve and a bit months ago
I borrowed 200 quid
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from one of them
payday loan companies, QuickDough.
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They've got adverts on the TV
and their name across footballers' shirts.
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So I knew they were legit.
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So you borrowed 200.
How much do you owe now?
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[Mavis] £1,480.34.
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- [pensive music playing]
- You're… you're kidding me?
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[Mavis] I wish I was.
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I'm on a pension.
There's no way I can afford that.
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Hang on. You're telling me
they've charged you… [grunting]
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…6,000% interest?
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[Mavis] Plus late payment fees.
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Whoa.
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[scoffs] Sorry. That's bloody criminal,
is what it is.
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[Mavis] You're right, Dave.
I was thinking you should do something.
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Me?
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[exhales sharply] Look.
I'm just Dave from Burnley.
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I do what I can.
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I've loaned 40 million quid,
and created jobs--
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[Mavis] Forty million?
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That lot have lent
over a billion and a half.
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That's thousands and thousands
of vulnerable people
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all across this country
who've been taken advantage of.
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You say you want to help ordinary people.
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Well, what about us? We need help.
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[Graham] Mavis, thank you.
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That's all we've got time for, Dave.
Thanks for joining us.
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I-- No. Uh, thanks for having me.
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{\an8}[pensive music continues]
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["Every Rose Has Its Thorn"
by Poison playing]
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♪ And I hear you found somebody new ♪
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♪ And that I never meant
That much to you ♪
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♪ To hear that tears me up inside ♪
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♪ And to see you cuts me like a knife ♪
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♪ And I guess every rose has its thorn ♪
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Go on, everybody!
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[all]
♪ Just like every night has its dawn ♪
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♪ Just like every cowboy
Sings his sad, sad song ♪
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♪ Every rose has its thorn ♪
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- Thank you.
- [cheering]
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Well done, Dave. Well done!
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Thank you!
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[applause fades]
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- [man] Nice one, Dave.
- Cheers, Jeff.
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- Hey, question for you.
- Yeah?
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Have you ever had any dealings
with them payday loan companies?
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What? QuickDough and Snapcash Advance
and the like?
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- Yeah, them's the one.
- [Jeff] No chance.
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You know how much interest
them bastards charge?
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A lot more than the Bank of Dave,
that's for sure.
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I… I'm trying to find out more about them.
Do you think of anyone who might help?
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Ah, yeah.
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Oliver, over there,
volunteers at Citizens Advice.
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He's an accountant,
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so deals with a lot of folk
with money problems.
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- Oliver, you said?
- Yeah.
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- Thanks, Jeff.
- No worries.
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- [Dave] Oliver?
- Yeah.
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Hi, I'm Dave.
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Oliver. Hi, Dave.
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- You're from Bank of Dave?
- [Dave laughs]
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Guilty as charged.
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All right, we've got Zoe.
Where's Zoe? Zoe?
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- Nice to meet you.
- Is that you? [laughs]
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Look, Jeff tells me that
you do some work with Citizens Advice.
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[Oliver] Yeah.
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Have you ever met people
who got problems with payday loans?
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Well, yeah. Hundreds.
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Right here in Burnley, it's like a plague.
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Uh, you know Ray, right?
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[Dave] Uh-huh.
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[Oliver] Well, his, uh, marriage broke up
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after he took out two of them loans
without telling his wife.
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Is that what happened?
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And that's Billy and Ted Heald.
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The brothers took out a loan
from Snapcash Advance
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just to try and make payroll.
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- Ended up closing the shop?
- Yeah.
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And it's not just here.
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Across the whole country,
thousands are being driven into poverty.
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- ["Everybody Hurts" playing]
- [Zoe sings karaoke]
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I don't understand this.
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How are these companies
getting away with it?
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Well, it's our government's idea
of business friendly regulations,
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which basically translates as
helping out their rich mates.
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[Zoe continues to sing karaoke]
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Zoe's mom was, uh, forced to sell her car.
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She's still way behind
on her loan payments.
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I know…
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[Oliver sighs]
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I know I want to do
something about this. I just…
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[smacks lips]
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Just not sure what.
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Right. Well… [scoffs]
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Someone like you, Dave,
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you've got a chance
to make a huge difference.
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And, uh, whatever I can do to…
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Just let me know, and I'll be there.
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- Thanks, pal.
- Yeah.
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♪ When your day is night alone ♪
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♪ Hold on ♪
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{\an8}♪ If you feel like letting go ♪
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{\an8}[song fades]
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Are you googling again?
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[smacks lips] I was.
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I'm reading an article
about payday lending companies now.
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Cup of tea?
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Mmm… Love one.
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Hey, what about that singer last night?
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Yeah, unbelievable.
I've never heard the like.
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I have to take singing lessons
before I get up there again.
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Aw.
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[water boiling]
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{\an8}- [horns honking]
- [sirens wailing]
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{\an8}[phone rings]
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Hello, this is Jessica.
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[Dave] Jessica? Jessica Morea?
Top finance writer?
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This is Dave Fishwick here.
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Do I know you?
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Uh, no, but, uh,
I'm Dave from the Bank of Dave.
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[Jessica] The what?
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I… I set up the Bank of Dave.
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Is that a real thing?
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Yeah, it's a bank.
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[Jessica] Oh! No kidding.
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Okay. Um… [scoffs]
Okay. How can I help you?
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Oh, I just, uh, read your articles
on the payday lending companies.
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They're fantastic.
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Thank you.
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[Dave] Yeah. And I want to get
all them companies closed down…
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Well, they pretty much already are.
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I mean, mostly.
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- Are they?
- [Jessica] Mm-hmm.
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Hmm. Well, not in the UK.
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Uh… If anything they're getting worse
and I want to stop them.
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Okay. [chuckles]
Well, how do you plan on doing that?
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I've not got a clue.
That's what I'm talking to you about.
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[Jessica] Okay. I mean, I guess you'd have
to put pressure on the authorities,
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but it could take a really long time.
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[Dave] We haven't got time. This…
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There are thousands and thousands
of ordinary people suffering.
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That can't wait for the authorities
to get off their asses.
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We need to do something about it now.
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Yeah. I agree. Um…
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And I hear you, but I don't know what.
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Hmm. Nor do I.
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If I paid for your flights and your
accommodation, would you come over here?
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Where is here?
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Burnley.
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Burnley? I've never heard of it.
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00:09:19,041 --> 00:09:21,250
No? It's in Lancashire.
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England.
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Oh! Oh, that is a ways away.
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Listen, um,
I'm really grateful for the offer,
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but, um, I don't do a lot of traveling.
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I… I… Basically from my apartment
to the office, and I don't even like that.
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- I don't even like to do that.
- Will you at least think about it?
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I… I could really do with your help
and your insight on this.
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And who knows? You might even get
a good story for your paper.
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I could.
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Yeah, but it's not gonna be by me.
Sorry. Um, good luck with that anyway.
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- Bye-bye.
- [somber music plays]
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[cell phone clattering]
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00:10:11,541 --> 00:10:13,541
[indistinct chattering]
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00:10:18,833 --> 00:10:20,833
[indistinct chattering]
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00:10:33,000 --> 00:10:35,000
[phones ringing]
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00:10:49,125 --> 00:10:50,750
[somber music fades]
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[sighs] I don't really see
this blockchain currency thing taking off.
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Trust me,
it's going to be huge in a few years.
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00:11:00,083 --> 00:11:01,875
Yeah, well, you say that here.
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00:11:01,958 --> 00:11:04,500
I just… I don't buy it. [sighs]
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And these other proposals…
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High-velocity trading algorithms,
quantitative easing safeguards.
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00:11:10,875 --> 00:11:12,541
They're just so cerebral.
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What we need are human interest stories
our readers can relate to.
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Yeah. I don't really excel, you know,
working with other people.
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00:11:20,625 --> 00:11:22,541
Look. You're a good writer, Jessica.
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The payday lenders series was great.
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So go home and come up with
something else like that. Something new.
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And then we can talk about getting you
another short-term contract.
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Okay.
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[inhales deeply]
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What about a story
about the victims of payday lenders?
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00:11:42,750 --> 00:11:44,791
- Well, are there any?
- Yeah.
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00:11:45,541 --> 00:11:48,875
Yeah. I mean, in other countries.
In England there's thousands.
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Aren't you always looking for stories
with international dimension?
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00:11:53,416 --> 00:11:54,375
Yeah.
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Okay. I'd buy it as a one-off.
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Okay.
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00:11:58,708 --> 00:12:00,916
But you just said
you're not good with other people.
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00:12:02,208 --> 00:12:03,166
I can change.
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Okay.
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00:12:05,958 --> 00:12:07,458
[motivational music plays]
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[indistinct chatter]
244
00:12:10,291 --> 00:12:11,541
[Dave] Is that Jessica?
245
00:12:12,125 --> 00:12:13,958
Guess what? I'm coming.
246
00:12:14,041 --> 00:12:15,166
[Dave] You will? Oh!
247
00:12:16,083 --> 00:12:17,500
Fantastic! Right.
248
00:12:17,583 --> 00:12:20,791
I am booking your flights now
and I'm sending them over to you.
249
00:12:20,875 --> 00:12:23,666
When you get here, hop on the train.
I'll pick you up at the station.
250
00:12:23,750 --> 00:12:25,666
B-U-R-N-L-E-Y,
251
00:12:25,750 --> 00:12:28,583
a.k.a., the center of the bloody universe.
252
00:12:28,666 --> 00:12:30,750
Okay, great. I'll see you soon.
253
00:12:30,833 --> 00:12:32,125
- [Dave] Fantastic!
- Bye.
254
00:12:32,750 --> 00:12:34,750
[motivational music continues]
255
00:12:45,583 --> 00:12:48,041
[woman over PA speaks indistinctly]
256
00:12:50,458 --> 00:12:51,750
- [Dave] Jessica!
- Hey!
257
00:12:51,833 --> 00:12:55,750
Ah! Recognized you from your byline.
I'm Dave. This is my wife, Nicky.
258
00:12:55,833 --> 00:12:57,708
- [Nicky] Hi! Good trip?
- Hi! Yeah, thank you.
259
00:12:57,791 --> 00:12:59,125
You must be knackered.
260
00:12:59,208 --> 00:13:00,208
I'm okay. [chuckles]
261
00:13:00,291 --> 00:13:02,041
- Let me take that for you.
- Thanks.
262
00:13:02,125 --> 00:13:05,958
We put you in a nice hotel in town,
but, uh, first, if you don't mind,
263
00:13:06,041 --> 00:13:07,958
I'd like to show you Burnley.
264
00:13:08,041 --> 00:13:09,500
- Okay.
- You lucky thing.
265
00:13:09,583 --> 00:13:11,083
[Jessica chuckles softly]
266
00:13:13,541 --> 00:13:16,375
[Oliver]
I'm so sorry that happened to you.
267
00:13:16,875 --> 00:13:19,958
But we will help you
get through this, okay?
268
00:13:20,041 --> 00:13:21,833
[sentimental music playing]
269
00:13:22,458 --> 00:13:24,750
It's okay, just take a breath.
270
00:13:25,625 --> 00:13:26,875
It's gonna be all right.
271
00:13:29,541 --> 00:13:33,083
Look, um, I need to take a look
at all the paperwork.
272
00:13:33,166 --> 00:13:38,041
So I could, uh, pop by and pick it up,
if you'd like.
273
00:13:38,125 --> 00:13:42,541
Or… or you can come into the offices
and we can have a chat and a cup of tea.
274
00:13:43,750 --> 00:13:44,791
Okay, great.
275
00:13:46,041 --> 00:13:47,375
I'll see you tomorrow.
276
00:13:47,958 --> 00:13:48,791
Bye.
277
00:13:55,083 --> 00:13:57,583
- [sentimental music continues]
- [birds chirping]
278
00:14:04,166 --> 00:14:05,166
[music fades]
279
00:14:05,250 --> 00:14:08,500
A hundred years ago
there were 99,000 looms
280
00:14:08,583 --> 00:14:11,916
powered by 11 coal mines
that worked around the clock
281
00:14:12,000 --> 00:14:13,833
right where the town center is now.
282
00:14:13,916 --> 00:14:17,291
- [Nicky] All but one are closed down now.
- Yeah. Along with all the big factories.
283
00:14:17,375 --> 00:14:20,250
Michelin over there.
They were the last to go, 20 years ago.
284
00:14:20,750 --> 00:14:24,291
Now we've got industrial estates
and business parks,
285
00:14:24,375 --> 00:14:26,833
but fewer and fewer jobs
for unskilled workers.
286
00:14:27,333 --> 00:14:28,500
Where's the Bank of Dave?
287
00:14:28,583 --> 00:14:30,833
Oh. Too small to see from up here.
288
00:14:31,333 --> 00:14:34,041
But you can see some of the things
we put our money into.
289
00:14:34,125 --> 00:14:36,458
That's the, uh… the new sports center.
290
00:14:37,291 --> 00:14:39,500
There, that's the walk-in free clinic.
291
00:14:39,583 --> 00:14:42,333
In that street,
we've put money into six shops and, uh,
292
00:14:42,416 --> 00:14:43,791
seven in the street behind.
293
00:14:43,875 --> 00:14:45,708
- Eight now. Yeah.
- Is it?
294
00:14:45,791 --> 00:14:47,041
Wow. That's impressive.
295
00:14:48,875 --> 00:14:51,541
Just a drop in the ocean
in the big scheme of things.
296
00:14:52,458 --> 00:14:53,541
We do what we can.
297
00:14:54,083 --> 00:14:54,916
[Jessica yawning]
298
00:14:55,000 --> 00:14:58,166
You should probably get some rest.
We'll drop you at the hotel.
299
00:14:58,250 --> 00:15:00,833
We'll get cracking
first thing in the morning, shall we?
300
00:15:00,916 --> 00:15:01,916
Okay. [laughs]
301
00:15:02,000 --> 00:15:04,000
[motivational music playing]
302
00:15:10,875 --> 00:15:12,875
[birds chirping]
303
00:15:21,625 --> 00:15:23,291
Where is this place?
304
00:15:25,458 --> 00:15:27,583
- [Oliver] Whoa!
- [shrieks] Oh my God!
305
00:15:27,666 --> 00:15:28,791
Shit!
306
00:15:28,875 --> 00:15:32,000
Oh shit! Shit! Shit!
307
00:15:32,083 --> 00:15:33,125
Bollocks.
308
00:15:33,208 --> 00:15:34,083
Shit.
309
00:15:35,083 --> 00:15:36,250
Um, oh!
310
00:15:36,333 --> 00:15:37,250
[Oliver panting]
311
00:15:37,333 --> 00:15:38,625
[quiet music playing]
312
00:15:38,708 --> 00:15:39,958
[Oliver] Oh my God! Uh…
313
00:15:40,041 --> 00:15:41,916
- What the hell?
- Are you okay?
314
00:15:42,000 --> 00:15:44,291
No! [laughs] You almost ran me over.
315
00:15:44,375 --> 00:15:47,833
- Yeah. Well, you weren't looking, so--
- I wasn't looking? You're the one driving.
316
00:15:48,333 --> 00:15:49,708
Right. Yes. Um…
317
00:15:50,250 --> 00:15:51,916
Shall I call an ambulance?
318
00:15:52,000 --> 00:15:55,791
No. You don't need to call an ambulance.
But you did almost kill me.
319
00:15:55,875 --> 00:15:57,791
Right. [breathing heavily]
320
00:15:57,875 --> 00:15:58,875
[wheezes]
321
00:15:59,791 --> 00:16:02,625
Oh! What… What's wrong?
322
00:16:02,708 --> 00:16:06,625
[stutters breathlessly] I think, yeah,
I'm definitely having a panic attack.
323
00:16:07,708 --> 00:16:11,791
O… O… Okay. Well, put your head
between your knees or something, right?
324
00:16:11,875 --> 00:16:13,166
Okay. [inhaling deeply]
325
00:16:13,250 --> 00:16:14,375
Take a deep breath.
326
00:16:14,458 --> 00:16:16,000
[Oliver breathes heavily]
327
00:16:16,750 --> 00:16:17,708
Are you okay?
328
00:16:17,791 --> 00:16:19,000
Yep. Oh!
329
00:16:19,083 --> 00:16:20,208
[Jessica scoffing]
330
00:16:20,291 --> 00:16:22,041
[Oliver panting]
331
00:16:22,125 --> 00:16:22,958
Okay.
332
00:16:24,208 --> 00:16:25,833
[exhales sharply]
333
00:16:25,916 --> 00:16:26,958
Thank you. I'm…
334
00:16:27,541 --> 00:16:28,875
I'm fine now, so…
335
00:16:28,958 --> 00:16:33,250
Right. Hey, just… Just wait a minute
before you get in the car.
336
00:16:33,958 --> 00:16:37,166
And when you do,
like, just try not to kill anyone, maybe?
337
00:16:38,083 --> 00:16:39,791
[chuckles] Okay.
338
00:16:39,875 --> 00:16:41,166
Have a nice day.
339
00:16:44,125 --> 00:16:46,416
Yeah, right. You too.
340
00:16:47,250 --> 00:16:48,166
I'm sorry.
341
00:16:48,250 --> 00:16:49,875
- I'm sorry.
- [quiet music fades]
342
00:16:49,958 --> 00:16:51,958
[coffee machine hissing]
343
00:16:53,208 --> 00:16:54,833
- Hey, Dave.
- You all right?
344
00:16:55,333 --> 00:16:58,500
Um… Aside from nearly
getting run over, yeah.
345
00:16:58,583 --> 00:17:01,208
[scoffs] Well,
should we get you checked out?
346
00:17:01,708 --> 00:17:04,708
Are you trying to rub it on my face
you have free healthcare in this country?
347
00:17:04,791 --> 00:17:07,750
[scoffs] Well,
if you're sure you're all right.
348
00:17:07,833 --> 00:17:09,875
Jealous, but all right. Thank you.
349
00:17:10,500 --> 00:17:12,666
You ready for some payday loan 101?
350
00:17:12,750 --> 00:17:13,750
- Hit me.
- Okay.
351
00:17:14,333 --> 00:17:16,291
So there's about ten million people
352
00:17:16,375 --> 00:17:19,041
who take out payday loans
every year in the UK.
353
00:17:19,125 --> 00:17:21,791
There's about 250 companies
that help with that, right?
354
00:17:21,875 --> 00:17:24,625
The big ones are
Quick Dough, Snapcash Advance,
355
00:17:24,708 --> 00:17:27,875
and they really corner the market
75 to 85%.
356
00:17:27,958 --> 00:17:30,958
But it turns out they're just subsidiaries
of the bigger companies.
357
00:17:31,041 --> 00:17:33,750
And those companies are run
by companies in America
358
00:17:33,833 --> 00:17:34,833
based in New Jersey,
359
00:17:34,916 --> 00:17:37,833
but they're banned from doing
business there, so they set up shop here,
360
00:17:37,916 --> 00:17:40,375
where there's easy pickings
and way less regulation.
361
00:17:40,958 --> 00:17:42,500
- New Jersey?
- Yeah.
362
00:17:42,583 --> 00:17:46,500
All right. So we're talking
about Tony bloody Soprano. [laughs]
363
00:17:46,583 --> 00:17:50,125
Oh, no. You make it sound glamorous.
It's not. This is not TV.
364
00:17:50,208 --> 00:17:52,708
And there's nothing glamorous
about Carlo Mancini.
365
00:17:52,791 --> 00:17:54,000
Who's Carlo Mancini?
366
00:17:54,083 --> 00:17:57,458
This guy Carlo Mancini who owns
the Colleridge Financial Services.
367
00:17:57,541 --> 00:18:00,666
How about this? He's been a suspect
in nine criminal cases.
368
00:18:02,958 --> 00:18:05,208
Including murder and racketeering.
369
00:18:05,291 --> 00:18:06,666
He's never been convicted.
370
00:18:08,125 --> 00:18:10,875
Local law enforcement and the FBI?
Well, they've tried.
371
00:18:10,958 --> 00:18:12,458
He has friends in really high places.
372
00:18:12,541 --> 00:18:15,375
So, you know, he tries to keep
on the right side of the law.
373
00:18:15,458 --> 00:18:17,750
- Here and in the US.
- Oh! Oliver!
374
00:18:17,833 --> 00:18:19,083
[coffee maker hissing]
375
00:18:19,166 --> 00:18:20,166
Oh crap!
376
00:18:20,875 --> 00:18:22,333
- Where you going?
- [Oliver] Um…
377
00:18:22,916 --> 00:18:25,125
I… I… [gasps]
378
00:18:25,208 --> 00:18:26,416
I can't stay.
379
00:18:26,958 --> 00:18:29,208
She hates me. I almost hit her.
380
00:18:29,291 --> 00:18:31,041
- [scoffs]
- [Dave] That was you?
381
00:18:32,083 --> 00:18:33,166
What did she say?
382
00:18:34,750 --> 00:18:36,166
Nothing. Come on.
383
00:18:37,750 --> 00:18:39,500
Jessica, Oliver. Oliver, Jessica.
384
00:18:39,583 --> 00:18:41,375
- That's your name?
- Yeah.
385
00:18:41,458 --> 00:18:42,833
Uh, pleased to meet you.
386
00:18:42,916 --> 00:18:44,041
- Again.
- [laughs]
387
00:18:44,125 --> 00:18:47,500
[Dave] Jessica has been telling me about
the top dogs in payday lending.
388
00:18:47,583 --> 00:18:51,208
Basically, they're a bunch of criminals
feathering their own nests,
389
00:18:51,291 --> 00:18:52,416
and I want it to stop.
390
00:18:54,250 --> 00:18:56,541
They're taking advantage
of this country's loopholes
391
00:18:56,625 --> 00:18:59,250
to destroy whole communities.
392
00:18:59,333 --> 00:19:01,250
They're making threats,
sending in the bailiffs,
393
00:19:01,333 --> 00:19:03,458
making people's lives a living hell.
394
00:19:03,541 --> 00:19:06,333
They're loan sharks, plain and simple.
And that's illegal.
395
00:19:06,416 --> 00:19:08,166
We just need to prove it in court.
396
00:19:08,750 --> 00:19:10,500
And for that, we need to gather evidence
397
00:19:10,583 --> 00:19:12,458
from the people
who've taken out these loans.
398
00:19:12,541 --> 00:19:16,708
On their own, people in power
won't take a blind bit of notice.
399
00:19:16,791 --> 00:19:17,666
But together,
400
00:19:18,916 --> 00:19:21,000
they might just be a force
to be reckoned with.
401
00:19:21,083 --> 00:19:23,875
Well, I know Zoe's mom's had problems,
402
00:19:23,958 --> 00:19:26,333
so, uh, we can certainly try
and talk to her.
403
00:19:26,416 --> 00:19:30,250
And we've had a lot of calls
at Citizens Advice
404
00:19:30,333 --> 00:19:31,958
about payday loans, so…
405
00:19:32,458 --> 00:19:36,083
Um… I can reach out and see
if any of them are willing to talk to us.
406
00:19:36,166 --> 00:19:37,041
Great.
407
00:19:38,000 --> 00:19:39,958
Do you two think you can work together?
408
00:19:41,416 --> 00:19:43,083
- Yeah. I do…
- I don't see why not.
409
00:19:43,166 --> 00:19:44,000
Smashing.
410
00:19:44,791 --> 00:19:46,291
Let's get this party started.
411
00:19:49,458 --> 00:19:51,833
Great, thanks.
I'll be there in the next hour.
412
00:19:51,916 --> 00:19:55,416
No, it won't take up more
than a couple of minutes of your time.
413
00:19:55,500 --> 00:19:56,916
[phones ringing]
414
00:19:57,000 --> 00:19:57,833
Hi.
415
00:19:58,333 --> 00:19:59,750
I'm here to call a truce.
416
00:20:00,416 --> 00:20:02,916
Yes. Thank you. Um…
417
00:20:03,000 --> 00:20:04,375
I'm sorry about the, uh…
418
00:20:04,458 --> 00:20:06,041
- But thank you.
- Yeah.
419
00:20:06,125 --> 00:20:09,458
Anyway, I didn't realize there were
so many victims of these companies here.
420
00:20:09,541 --> 00:20:12,208
Yeah, yeah. I'm actually off
to see two of them now.
421
00:20:12,291 --> 00:20:14,250
Oh, really? Can I go with you?
422
00:20:14,333 --> 00:20:17,041
Um… Yeah. Sure. [laughs]
423
00:20:17,125 --> 00:20:18,583
Wait. Are you driving?
424
00:20:19,500 --> 00:20:21,750
I mean, we could take a taxi.
425
00:20:21,833 --> 00:20:24,166
There's a rank just a few streets away.
426
00:20:24,250 --> 00:20:26,791
[giggles] I'm kidding.
Just giving you grief. Let's go.
427
00:20:26,875 --> 00:20:27,833
Right.
428
00:20:28,333 --> 00:20:30,166
- It's this one over here.
- Okay.
429
00:20:30,250 --> 00:20:32,625
So you have kids? You married? What?
430
00:20:33,291 --> 00:20:37,958
Oh, I, um… I'd rather not talk about
my personal life.
431
00:20:38,750 --> 00:20:41,416
Fair enough. I wouldn't want
to talk about mine if I had one.
432
00:20:41,500 --> 00:20:43,500
[adventurous music plays]
433
00:20:46,875 --> 00:20:47,916
[exhales sharply]
434
00:20:48,000 --> 00:20:51,750
[Oliver] I love this part of Burnley.
They're beautiful homes, these.
435
00:20:51,833 --> 00:20:54,458
[Jessica] You guys really love
your hometown, huh?
436
00:20:55,000 --> 00:20:56,791
[birds chirping]
437
00:20:58,625 --> 00:20:59,458
[Jessica] Hey.
438
00:21:00,000 --> 00:21:00,833
[Oliver] Hey.
439
00:21:01,708 --> 00:21:03,458
- [girl] Mom!
- [music fades]
440
00:21:03,541 --> 00:21:06,250
We were just wondering if…
if you could tell us a bit about
441
00:21:06,333 --> 00:21:08,333
the payday loan that you took out.
442
00:21:09,916 --> 00:21:11,208
Eighteen months back.
443
00:21:11,708 --> 00:21:15,916
Ray, my husband, Zoe's dad…
444
00:21:16,000 --> 00:21:17,958
[water pouring]
445
00:21:18,041 --> 00:21:18,958
…left me.
446
00:21:20,833 --> 00:21:24,000
So I got stuck
with a pile of bills that he'd, uh…
447
00:21:25,000 --> 00:21:26,833
forgotten to pay.
448
00:21:27,541 --> 00:21:29,583
Gas, electric,
449
00:21:30,166 --> 00:21:31,083
and the rest.
450
00:21:32,125 --> 00:21:33,750
[teaspoon clinging]
451
00:21:33,833 --> 00:21:37,333
I was just in the middle of getting them
all sorted out when I, uh…
452
00:21:39,166 --> 00:21:40,500
I had a car accident.
453
00:21:41,541 --> 00:21:43,041
It weren't even my fault.
454
00:21:44,958 --> 00:21:48,750
That's when I found out
Ray hadn't paid the insurance either.
455
00:21:48,833 --> 00:21:49,708
So I, uh…
456
00:21:49,791 --> 00:21:50,625
[Oliver] Thanks.
457
00:21:51,291 --> 00:21:53,166
- Thank you.
- [emotional music playing]
458
00:21:53,250 --> 00:21:54,208
[Zoe sniffs]
459
00:21:54,291 --> 00:21:55,500
So I got stuck
460
00:21:56,833 --> 00:21:58,875
with a 500 quid repair bill.
461
00:21:58,958 --> 00:22:01,250
You should have come to me, Mom.
462
00:22:02,250 --> 00:22:03,291
But I didn't.
463
00:22:04,416 --> 00:22:05,875
I went to QuickDough.
464
00:22:08,416 --> 00:22:10,541
I borrowed £600.
465
00:22:12,458 --> 00:22:15,000
I planned to pay it back in a month,
but then, um…
466
00:22:16,000 --> 00:22:16,958
[Zoe sniffs]
467
00:22:17,041 --> 00:22:20,625
All these other final demands
started coming in, so…
468
00:22:22,083 --> 00:22:23,125
Mom, it's okay.
469
00:22:23,708 --> 00:22:26,000
We'll find a way
to sort this all out. Yeah.
470
00:22:27,916 --> 00:22:31,250
I owe close to £3,000. [whimpers]
471
00:22:33,083 --> 00:22:35,875
How are we ever
going to be able to afford that?
472
00:22:37,625 --> 00:22:39,833
- Every few days we get…
- [exhales]
473
00:22:39,916 --> 00:22:41,333
…threatening letters.
474
00:22:41,416 --> 00:22:45,666
Then… [sniffs] …guys turn up at the door.
Big guys, you know.
475
00:22:46,583 --> 00:22:48,291
You see it happen all around here.
476
00:22:48,375 --> 00:22:49,708
They just take whatever they can.
477
00:22:49,791 --> 00:22:50,791
Well, uh, look…
478
00:22:51,916 --> 00:22:54,166
we're hoping to change all that. Okay?
479
00:22:54,708 --> 00:22:58,958
So we need as many people
as we can to testify.
480
00:22:59,708 --> 00:23:00,583
In court?
481
00:23:00,666 --> 00:23:02,083
Yes.
482
00:23:02,666 --> 00:23:06,500
- Can you keep our names out of it?
- Sorry, but that would be difficult.
483
00:23:06,583 --> 00:23:08,583
[emotional music continues]
484
00:23:08,666 --> 00:23:10,666
I'm in too much trouble as it is.
485
00:23:12,541 --> 00:23:14,500
I can't afford to make it worse.
486
00:23:15,625 --> 00:23:17,458
Yeah, I… I understand.
487
00:23:18,458 --> 00:23:20,458
[children clamoring]
488
00:23:26,791 --> 00:23:28,791
[emotional music continues]
489
00:23:33,375 --> 00:23:36,500
- Morning, Mary.
- Morning, Dave.
490
00:23:37,541 --> 00:23:38,458
Hello, Dave.
491
00:23:38,541 --> 00:23:40,791
- Hi, Rachel.
- How are you?
492
00:23:40,875 --> 00:23:43,750
I'm good. Now, how about you? Huh?
493
00:23:44,666 --> 00:23:47,125
I'm guessing
that you've come here about a loan.
494
00:23:49,833 --> 00:23:54,291
We're trying to get as many people
as we can to testify. It'd be in court.
495
00:23:54,375 --> 00:23:56,583
Is that something
you might be interested in doing?
496
00:23:56,666 --> 00:23:58,625
We really wanna hear your story.
497
00:23:58,708 --> 00:24:00,041
I'm sorry, I can't.
498
00:24:01,791 --> 00:24:03,875
Come on, mate. Is this really necess--
499
00:24:07,208 --> 00:24:08,083
Um…
500
00:24:08,916 --> 00:24:11,458
Kirsten, hi, I'm Oliver.
We spoke on the phone.
501
00:24:13,625 --> 00:24:15,750
We are sorry
you're going through all this.
502
00:24:15,833 --> 00:24:17,708
- [baby crying]
- I'd love to help.
503
00:24:18,333 --> 00:24:21,500
But we need to put this all behind us
and get on with our lives.
504
00:24:22,458 --> 00:24:24,500
If you change your mind,
will you let us know?
505
00:24:25,833 --> 00:24:26,666
Yeah.
506
00:24:30,666 --> 00:24:32,958
[Oliver] Uh, no.
We haven't had the best day.
507
00:24:33,041 --> 00:24:35,125
- Look. People are scared, Dave.
- [music fades]
508
00:24:35,208 --> 00:24:37,125
They can't afford
to get into any more trouble.
509
00:24:37,208 --> 00:24:40,000
That's understandable.
But what are we gonna do?
510
00:24:40,500 --> 00:24:41,708
[Oliver] Well, I--
511
00:24:41,791 --> 00:24:44,125
We were thinking that
512
00:24:44,208 --> 00:24:47,333
you could put
your newfound celebrity to good use.
513
00:24:48,833 --> 00:24:49,666
How?
514
00:24:50,208 --> 00:24:53,333
Uh, this morning we've got
Dave Fishwick with us again.
515
00:24:53,416 --> 00:24:56,916
Good morning, Dave. So good to see you.
How is everything going with the bank?
516
00:24:57,000 --> 00:25:01,041
Oh, it's great. Tickety-boo.
Uh, but I've got another bee in my bonnet.
517
00:25:01,125 --> 00:25:02,166
[woman] Ooh.
518
00:25:02,250 --> 00:25:04,375
- It's payday lenders.
- Oh yeah.
519
00:25:04,458 --> 00:25:08,041
These companies, they're preying
on the most vulnerable and desperate.
520
00:25:08,125 --> 00:25:10,166
They're…
they're destroying whole communities.
521
00:25:10,250 --> 00:25:12,833
- Are they not regulated at all?
- You'd have thought.
522
00:25:13,333 --> 00:25:16,291
After the big banks
squandered billions of our money,
523
00:25:16,375 --> 00:25:19,041
the government promised that they'd get
the situation under control.
524
00:25:19,125 --> 00:25:21,083
But somehow they've left a loophole
525
00:25:21,166 --> 00:25:25,958
which allows these companies to charge
interest rates of over 5,000%.
526
00:25:26,750 --> 00:25:29,416
- It's… It's criminal.
- So what can we do about it, Dave?
527
00:25:29,500 --> 00:25:30,416
Well…
528
00:25:30,500 --> 00:25:32,875
- [somber music playing]
- I'm gonna take them to court.
529
00:25:33,916 --> 00:25:37,000
I am going to prove
that they are loan sharks
530
00:25:37,083 --> 00:25:40,541
who belong in prison,
and not million-pound mansions.
531
00:25:41,125 --> 00:25:42,000
But I need--
532
00:25:42,500 --> 00:25:44,166
Sorry, which camera am I on?
533
00:25:44,250 --> 00:25:45,208
[both] Camera one.
534
00:25:45,291 --> 00:25:48,458
Right. What I need
is people to come forward.
535
00:25:49,041 --> 00:25:50,583
People who've been taken advantage of,
536
00:25:50,666 --> 00:25:55,208
people who've been driven into
grinding poverty because of these buggers.
537
00:25:55,291 --> 00:25:59,250
{\an8}Now, I've set up a free phone line
for you to call into.
538
00:25:59,333 --> 00:26:01,666
- We'll make sure that's on our website.
- Yeah.
539
00:26:01,750 --> 00:26:04,083
- Thank you so much for doing this.
- Thank you.
540
00:26:04,875 --> 00:26:06,708
[dramatic music playing]
541
00:26:07,333 --> 00:26:08,791
[phone line ringing]
542
00:26:08,875 --> 00:26:10,208
[woman] Mr. Mancini.
543
00:26:10,291 --> 00:26:13,250
- Hey, so I watched that clip.
- [woman] Mm-hmm.
544
00:26:13,333 --> 00:26:16,666
- I don't really see what the problem is.
- [woman scoffs] Are you serious?
545
00:26:16,750 --> 00:26:17,875
No!
546
00:26:17,958 --> 00:26:19,541
Who the hell is this clown?
547
00:26:19,625 --> 00:26:20,958
Dave Fishwick.
548
00:26:21,041 --> 00:26:23,583
Runs a community bank in Burnley.
549
00:26:23,666 --> 00:26:25,875
They loan money
to local families and businesses.
550
00:26:25,958 --> 00:26:27,375
And give their profits to charity.
551
00:26:27,458 --> 00:26:29,000
So he's like a communist?
552
00:26:29,083 --> 00:26:31,833
[scoffs] No.
He's a successful local businessman.
553
00:26:32,625 --> 00:26:34,458
Great. So we can buy him off.
554
00:26:35,208 --> 00:26:36,583
[woman] I don't think that'll work.
555
00:26:36,666 --> 00:26:39,291
But I do have an idea
of how to get him off our backs.
556
00:26:40,125 --> 00:26:42,791
All right. I don't need the details.
Just tell me how much.
557
00:26:43,541 --> 00:26:45,291
Uh, 250,000?
558
00:26:46,125 --> 00:26:47,958
Plus the same again in fees.
559
00:26:48,041 --> 00:26:49,291
Come on.
560
00:26:49,375 --> 00:26:51,208
[woman] Pounds, not dollars.
561
00:26:51,291 --> 00:26:53,166
You spend that every week on advertising.
562
00:26:53,833 --> 00:26:56,083
Look, I wouldn't underestimate this guy.
563
00:26:56,166 --> 00:26:58,625
At best, he's gonna cost you millions
in bad publicity.
564
00:26:58,708 --> 00:27:00,375
At worst, he'll take down
the whole company.
565
00:27:02,250 --> 00:27:04,583
All right. Fine. You'll have it tomorrow.
566
00:27:05,208 --> 00:27:07,416
Just make sure none of this
comes back on me.
567
00:27:07,500 --> 00:27:08,791
[woman] Of course.
568
00:27:08,875 --> 00:27:11,875
Whatever shit you throw at this guy,
make sure it sticks.
569
00:27:11,958 --> 00:27:13,000
I will.
570
00:27:15,041 --> 00:27:16,333
[dramatic music fades]
571
00:27:16,416 --> 00:27:19,250
How long to set up an offshore
shell corporation with a bank account?
572
00:27:19,333 --> 00:27:24,125
Incorporation can be done in days,
but bank account can take weeks.
573
00:27:24,208 --> 00:27:26,833
But if this is Colleridge and QuickDough…
574
00:27:26,916 --> 00:27:30,583
Well, they had Thornton, Arbuthnot, Welsh,
set up a string of shell companies
575
00:27:30,666 --> 00:27:32,291
in different tax jurisdictions.
576
00:27:32,375 --> 00:27:34,583
So maybe you could use one of them?
577
00:27:35,375 --> 00:27:36,208
Excellent.
578
00:27:37,041 --> 00:27:38,166
[dramatic music ends]
579
00:27:38,250 --> 00:27:41,166
["Pour Some Sugar on Me"
by Def Leppard playing]
580
00:27:42,125 --> 00:27:44,875
♪ Break the bubble ♪
581
00:27:44,958 --> 00:27:46,833
♪ Break it up ♪
582
00:27:46,916 --> 00:27:50,708
♪ Pour some sugar on me ♪
583
00:27:50,791 --> 00:27:52,500
♪ Ooh, in the name of love ♪
584
00:27:52,583 --> 00:27:53,875
♪ Pour some… ♪
585
00:27:53,958 --> 00:27:56,583
- [music stops]
- ♪ Sugar on me ♪
586
00:27:58,375 --> 00:28:01,916
♪ Pour your sugar on me ♪
587
00:28:02,791 --> 00:28:03,791
Hiya!
588
00:28:04,958 --> 00:28:06,625
- Morning!
- [woman] Morning, Dave.
589
00:28:06,708 --> 00:28:10,000
- Hiya! How's it going?
- Look, Dave.
590
00:28:10,083 --> 00:28:12,416
The calls are still coming in
thick and fast.
591
00:28:12,500 --> 00:28:16,041
A lot of people have been treated,
like, really badly in your country.
592
00:28:16,125 --> 00:28:18,583
But we're still missing
that one piece of damning evidence
593
00:28:18,666 --> 00:28:20,291
we could use to take them to court.
594
00:28:20,375 --> 00:28:23,750
Sorry. Sorry to interrupt,
but, uh, you need to see this, Dave.
595
00:28:23,833 --> 00:28:24,708
What is it?
596
00:28:25,958 --> 00:28:27,375
They're closing us down.
597
00:28:27,458 --> 00:28:29,916
- [indistinct chatter]
- [phones ringing]
598
00:28:30,000 --> 00:28:31,750
What did they say we've done?
599
00:28:31,833 --> 00:28:34,666
We're being accused of laundering money.
600
00:28:35,250 --> 00:28:36,791
Money laundering? Us?
601
00:28:38,625 --> 00:28:40,208
Do they give any details?
602
00:28:40,291 --> 00:28:43,750
Just that proceeds from criminal activity
were deposited in this bank.
603
00:28:43,833 --> 00:28:44,833
[sighs] All right.
604
00:28:44,916 --> 00:28:48,750
Then we go through all the money
that's come in with a fine-tooth comb.
605
00:28:48,833 --> 00:28:50,083
It's gonna take a while.
606
00:28:50,666 --> 00:28:52,000
Have we got any choice?
607
00:28:52,708 --> 00:28:54,583
Has to be the big banks behind this.
608
00:28:54,666 --> 00:28:56,541
[exhales sharply] No.
609
00:28:57,458 --> 00:28:59,166
No. They had their shot and they blew it.
610
00:28:59,250 --> 00:29:02,333
This is the payday loan companies,
or at least one of them.
611
00:29:02,916 --> 00:29:04,458
They want to make me look bad.
612
00:29:05,416 --> 00:29:08,750
Dave, is there anything we can do to help?
613
00:29:09,416 --> 00:29:13,000
[scoffs] The payday loan companies
want me out of the game,
614
00:29:13,083 --> 00:29:14,208
so they're playing dirty.
615
00:29:14,291 --> 00:29:16,375
We need to expose them for what they are.
616
00:29:16,458 --> 00:29:19,666
So what you two are doing,
is more important now than ever.
617
00:29:19,750 --> 00:29:23,041
I'm going to have my hands full with this,
but I'll help where I can.
618
00:29:23,625 --> 00:29:24,916
In the meantime…
619
00:29:25,000 --> 00:29:26,291
[mellow music playing]
620
00:29:26,375 --> 00:29:27,666
[trash can clatters]
621
00:29:27,750 --> 00:29:28,833
…let's get to work.
622
00:29:30,958 --> 00:29:32,541
[Carlo] So it was money well spent?
623
00:29:32,625 --> 00:29:34,125
[woman] Definitely.
624
00:29:34,208 --> 00:29:37,583
And if they want to challenge the order,
they can fight us in court.
625
00:29:38,208 --> 00:29:39,500
Yeah, I don't know about that.
626
00:29:39,583 --> 00:29:42,083
That gives them another chance
to attack us in public.
627
00:29:42,166 --> 00:29:44,458
- I think we should settle.
- Ugh, seriously?
628
00:29:44,541 --> 00:29:45,541
We could crush him.
629
00:29:46,041 --> 00:29:47,125
What the fuck?
630
00:29:48,083 --> 00:29:49,791
All right, but how's that gonna look?
631
00:29:49,875 --> 00:29:51,666
People like the guy, okay?
632
00:29:51,750 --> 00:29:53,666
If we can get him
to stop his attacks on us
633
00:29:53,750 --> 00:29:56,833
and retract the statements
about the payday loan industry,
634
00:29:56,916 --> 00:29:58,333
then we wind up looking good.
635
00:29:58,416 --> 00:30:00,458
We might even be able
to use his retractions
636
00:30:00,541 --> 00:30:02,666
as an endorsement of the industry.
637
00:30:02,750 --> 00:30:04,166
[intriguing music playing]
638
00:30:04,250 --> 00:30:07,500
- We end up on the moral high ground.
- Not a place you're familiar with, huh?
639
00:30:07,583 --> 00:30:09,625
- Ha-ha.
- Let's make it happen.
640
00:30:09,708 --> 00:30:10,583
[woman] Right.
641
00:30:11,083 --> 00:30:11,916
[music fades]
642
00:30:13,333 --> 00:30:16,375
- [cheering]
- Come on, Dave. It's not over.
643
00:30:16,458 --> 00:30:17,625
[indistinct chatter]
644
00:30:17,708 --> 00:30:20,833
We might have lost a battle,
but we can still win the war.
645
00:30:21,333 --> 00:30:23,333
Anyone else with platitudes
to make me feel better?
646
00:30:23,416 --> 00:30:24,750
[Nicky sighs]
647
00:30:24,833 --> 00:30:26,458
[smacks lips] Uh, sorry, love.
648
00:30:26,541 --> 00:30:28,291
Good evening, ladies and gentlemen.
649
00:30:28,375 --> 00:30:31,166
It's Monday night,
and that can only mean one thing.
650
00:30:31,250 --> 00:30:33,833
- It's karaoke night!
- [all cheering]
651
00:30:33,916 --> 00:30:37,375
All right. Last week,
he gave us his cowboy song,
652
00:30:37,458 --> 00:30:39,375
and let's see what he's got this time.
653
00:30:39,458 --> 00:30:40,791
Dave Fishwick!
654
00:30:40,875 --> 00:30:41,958
- Dave!
- [all cheering]
655
00:30:42,041 --> 00:30:44,000
No! I'm good, thanks. Not tonight.
656
00:30:44,083 --> 00:30:45,500
- Come on, darling.
- No.
657
00:30:45,583 --> 00:30:47,666
- Who's next on my list?
- [Jessica] Uh… I.
658
00:30:48,250 --> 00:30:49,791
Uh, can I take Dave's spot?
659
00:30:49,875 --> 00:30:52,791
Uh, yeah. Of course you can.
Up you come, love.
660
00:30:54,250 --> 00:30:55,125
Wow.
661
00:30:56,041 --> 00:30:57,666
- She's confident, isn't she?
- [laughs]
662
00:30:57,750 --> 00:31:00,666
- What do you want to sing?
- Um, do you have "This Land Is Your Land"?
663
00:31:00,750 --> 00:31:01,750
[man] I can look.
664
00:31:01,833 --> 00:31:04,125
- Hi, Burnley!
- [all] Hiya!
665
00:31:04,208 --> 00:31:05,416
Hi!
666
00:31:05,500 --> 00:31:06,958
Um… Obviously, I'm American.
667
00:31:07,041 --> 00:31:08,500
- Sorry about that.
- [laughing]
668
00:31:08,583 --> 00:31:11,125
Uh, but I guess it's better
than being from London, right?
669
00:31:11,208 --> 00:31:12,583
[all chuckling] Yeah!
670
00:31:12,666 --> 00:31:16,125
So this is an American protest song,
and I think it's pretty fitting,
671
00:31:16,666 --> 00:31:17,750
especially for here.
672
00:31:17,833 --> 00:31:18,708
So…
673
00:31:18,791 --> 00:31:21,291
["This Land is Your Land" playing]
674
00:31:21,375 --> 00:31:24,666
♪ This land is your land ♪
675
00:31:24,750 --> 00:31:28,208
♪ This land is my land ♪
676
00:31:28,291 --> 00:31:31,166
♪ From California ♪
677
00:31:31,250 --> 00:31:34,833
♪ To the New York Island ♪
678
00:31:34,916 --> 00:31:38,083
♪ From the Redwood Forest ♪
679
00:31:38,166 --> 00:31:42,125
♪ To the Gulf Stream waters ♪
680
00:31:43,000 --> 00:31:47,750
♪ This land was made for you and me ♪
681
00:31:48,958 --> 00:31:51,958
♪ As I went walking ♪
682
00:31:52,041 --> 00:31:55,541
♪ That ribbon of highway ♪
683
00:31:55,625 --> 00:32:02,125
♪ And I saw above me that endless skyway ♪
684
00:32:02,208 --> 00:32:05,000
♪ And I saw below me ♪
685
00:32:05,791 --> 00:32:09,291
♪ That golden valley ♪
686
00:32:10,291 --> 00:32:15,875
♪ This land was made for you and me ♪
687
00:32:15,958 --> 00:32:18,291
[all cheering loudly]
688
00:32:18,375 --> 00:32:19,500
Fantastic!
689
00:32:21,083 --> 00:32:23,250
[suspenseful music playing]
690
00:32:35,958 --> 00:32:37,250
- [assistant] Dave?
- [music fades]
691
00:32:37,916 --> 00:32:38,916
Mr. Fishwick.
692
00:32:39,000 --> 00:32:40,416
Margot Stockton.
693
00:32:40,500 --> 00:32:42,583
My firm issued
the cease and desist letter.
694
00:32:43,333 --> 00:32:45,916
- What do you want?
- I come bearing good news.
695
00:32:46,000 --> 00:32:48,875
My client is prepared
to withdraw the cease and desist.
696
00:32:50,041 --> 00:32:50,958
All right.
697
00:32:52,708 --> 00:32:53,750
And in return?
698
00:32:53,833 --> 00:32:56,083
You call off the campaign against us
699
00:32:56,166 --> 00:32:58,625
and withdraw the statements
you made about our industry
700
00:32:59,500 --> 00:33:00,875
So you want him to lie?
701
00:33:00,958 --> 00:33:03,833
I wouldn't say that.
Just a different version of the truth.
702
00:33:03,916 --> 00:33:05,083
[Dave scoffs]
703
00:33:05,166 --> 00:33:07,250
[Margot] I watched
the documentary about you.
704
00:33:07,333 --> 00:33:08,625
Very moving.
705
00:33:09,208 --> 00:33:14,166
There are a lot of people in this town
who rely heavily on this institution.
706
00:33:14,916 --> 00:33:16,916
Wouldn't want to let them down, would you?
707
00:33:17,000 --> 00:33:19,416
[laughing] Let them down? Wow!
708
00:33:20,208 --> 00:33:22,166
Well, that's not gonna happen
if we win in court.
709
00:33:22,250 --> 00:33:23,500
Oh, big if.
710
00:33:23,583 --> 00:33:24,708
Oh, maybe.
711
00:33:25,458 --> 00:33:27,375
But what are the stakes here? Ey?
712
00:33:28,166 --> 00:33:32,416
You win, you shut us down,
you hurt a lot of people,
713
00:33:32,500 --> 00:33:34,083
you look like the scum you are.
714
00:33:34,916 --> 00:33:37,583
And that plays right into
the hands of the politicians
715
00:33:37,666 --> 00:33:39,833
who are already looking to shut you down.
716
00:33:39,916 --> 00:33:41,291
Or you don't win.
717
00:33:41,375 --> 00:33:44,875
You lose millions
and some of you end up behind bars
718
00:33:44,958 --> 00:33:46,916
which I, for one,
think is where you belong.
719
00:33:47,000 --> 00:33:48,083
[scoffs softly]
720
00:33:48,166 --> 00:33:50,541
Fine. If that's what you want…
721
00:33:53,291 --> 00:33:54,291
Yeah.
722
00:33:56,500 --> 00:33:57,333
It is.
723
00:33:57,416 --> 00:33:59,541
[joyful music playing]
724
00:33:59,625 --> 00:34:00,958
I'll see you in court.
725
00:34:01,541 --> 00:34:02,875
Look forward to it.
726
00:34:02,958 --> 00:34:04,250
- Wow.
- [door closes]
727
00:34:05,375 --> 00:34:06,458
Nicky Fishwick.
728
00:34:07,791 --> 00:34:08,750
[Carlo] You called?
729
00:34:08,833 --> 00:34:10,666
[Margot] I just wasted my time
and your money
730
00:34:10,750 --> 00:34:13,958
going to see Fishwick
in his grotty little northern bank.
731
00:34:14,041 --> 00:34:16,916
- He's not gonna play ball.
- Then you gotta crush him in court.
732
00:34:17,000 --> 00:34:17,916
[Margot] Not a problem.
733
00:34:18,000 --> 00:34:22,208
Mr. Fishwick is already dead.
Now he just needs to get himself buried.
734
00:34:22,875 --> 00:34:24,416
I like the sound of that.
735
00:34:24,500 --> 00:34:25,666
Keep me posted.
736
00:34:26,166 --> 00:34:28,166
[suspenseful music playing]
737
00:34:29,541 --> 00:34:31,000
[man] I think I've got something.
738
00:34:31,750 --> 00:34:32,750
- What?
- [music fades]
739
00:34:32,833 --> 00:34:35,583
Deposits that came in
right after you appeared on TV.
740
00:34:35,666 --> 00:34:38,833
They're from four Burnley companies
with the same address.
741
00:34:38,916 --> 00:34:39,916
What's wrong with that?
742
00:34:40,000 --> 00:34:42,125
They're all subsidiaries
of offshore companies.
743
00:34:42,208 --> 00:34:45,083
How many people in these parts
have got offshore accounts?
744
00:34:46,250 --> 00:34:48,125
How did we not spot this?
745
00:34:48,208 --> 00:34:51,291
The deposits were under £10,000,
and the companies themselves,
746
00:34:51,375 --> 00:34:53,041
they didn't raise any red flags.
747
00:34:53,541 --> 00:34:58,416
But the best part is that Carlo Mancini
748
00:34:58,500 --> 00:35:01,583
is listed as a director
of one of those offshore companies.
749
00:35:02,625 --> 00:35:04,333
Christmas bloody pudding.
750
00:35:06,208 --> 00:35:07,416
Well, this is it, huh?
751
00:35:07,500 --> 00:35:09,500
This is… This is the smoking gun.
752
00:35:09,583 --> 00:35:11,791
We could get the court
to throw out the case.
753
00:35:11,875 --> 00:35:15,208
- [billiard balls clicking]
- Well, thanks so much for talking to us.
754
00:35:15,291 --> 00:35:18,041
We just wanted to ask you a few questions.
755
00:35:18,125 --> 00:35:21,375
Yeah. Could you just talk about
the payday loan that you took out?
756
00:35:21,458 --> 00:35:24,250
Well, it weren't me. My eldest, Stacy.
757
00:35:24,333 --> 00:35:26,458
He's the one who took out the loans.
758
00:35:26,541 --> 00:35:27,916
Loans? Wha…
759
00:35:28,625 --> 00:35:31,041
- More than one?
- Well, three I know of.
760
00:35:31,125 --> 00:35:34,750
Different companies.
About 600 quid in total.
761
00:35:35,333 --> 00:35:36,666
Probably owes thousands now.
762
00:35:37,250 --> 00:35:40,375
Right. And how's he hoping
to pay that back?
763
00:35:40,458 --> 00:35:41,333
He's not.
764
00:35:41,833 --> 00:35:43,166
He doesn't have a job.
765
00:35:43,708 --> 00:35:47,541
He works on and off, but all the money
he makes is all under the table.
766
00:35:48,125 --> 00:35:51,375
So he only has cash.
And you can only pay it back online?
767
00:35:53,666 --> 00:35:55,958
So how did he get the loan
in the first place?
768
00:35:56,041 --> 00:35:59,500
He probably lied on the application form
and they didn't bother to check.
769
00:36:00,166 --> 00:36:02,875
Nobody with any sense
would lend Stacy money.
770
00:36:02,958 --> 00:36:04,916
I wouldn't, and I'm his mom.
771
00:36:06,041 --> 00:36:09,083
Look, Stacy's not a bad lad.
772
00:36:09,791 --> 00:36:12,708
He's got that dyslexia thing,
so he was crap at school.
773
00:36:13,250 --> 00:36:17,125
The teachers gave up on him, so he was
on a scrap heap before he was 16.
774
00:36:18,000 --> 00:36:21,083
There's no jobs around here
for someone without skills.
775
00:36:21,708 --> 00:36:24,708
He lives online
and will probably end up in prison.
776
00:36:25,791 --> 00:36:27,458
Might be the best place for him.
777
00:36:28,166 --> 00:36:30,000
Maybe he'll make some friends there.
778
00:36:32,000 --> 00:36:33,375
I'll make you a cup of tea.
779
00:36:33,875 --> 00:36:35,083
Yeah, please.
780
00:36:38,291 --> 00:36:39,625
[somber music playing]
781
00:36:42,541 --> 00:36:43,791
- [Jessica] Thank you.
- All right.
782
00:36:43,875 --> 00:36:44,916
Thanks, Sally.
783
00:36:49,666 --> 00:36:50,791
I was married.
784
00:36:51,541 --> 00:36:53,208
We divorced a year ago.
785
00:36:55,083 --> 00:36:58,250
Well, the other day
you asked me about my life.
786
00:36:59,125 --> 00:36:59,958
I did.
787
00:37:00,458 --> 00:37:05,500
Yeah. Pan, my ex, she… [scoffs]
She thought I was boring.
788
00:37:06,500 --> 00:37:09,250
Or, at least, my life was boring.
789
00:37:10,541 --> 00:37:12,833
Yeah. I do other people's accounts.
790
00:37:12,916 --> 00:37:16,875
I listen to other people's problems
at Citizens Advice.
791
00:37:17,625 --> 00:37:19,333
She wasn't wrong. [chuckles]
792
00:37:21,958 --> 00:37:23,458
But what we're doing here
793
00:37:23,541 --> 00:37:26,416
makes me feel like
I might be able to make a difference.
794
00:37:28,166 --> 00:37:29,166
I think you are.
795
00:37:30,541 --> 00:37:35,833
Well, I had a thing with this guy
who was a cop in New Jersey.
796
00:37:36,333 --> 00:37:39,375
We dated off and on for, like,
hmm, three or four years.
797
00:37:39,916 --> 00:37:41,916
But ultimately, we decided to end it
798
00:37:42,000 --> 00:37:44,916
because he wanted
a more normal, stable home life.
799
00:37:45,000 --> 00:37:47,833
You know, whatever that means. [laughs]
800
00:37:47,916 --> 00:37:51,458
Anyway, I was always really busy
writing my stories. I didn't go out.
801
00:37:51,541 --> 00:37:54,250
And plus-- Ugh! I hated his friends.
802
00:37:55,083 --> 00:37:59,583
I mean, not that I had any of my own,
but obviously, we were not meant to be,
803
00:38:00,416 --> 00:38:02,000
which is fine.
804
00:38:17,000 --> 00:38:18,333
We should head off.
805
00:38:18,416 --> 00:38:19,583
Hmm… Yeah.
806
00:38:22,958 --> 00:38:24,250
- [music fades]
- [knocking on door]
807
00:38:24,333 --> 00:38:26,333
- [man] Dave, have you got a minute?
- Yeah, come in.
808
00:38:29,000 --> 00:38:30,250
You all right, Dave?
809
00:38:34,166 --> 00:38:35,833
I'm proud of this place.
810
00:38:36,583 --> 00:38:38,500
It's the best thing I've done in my life.
811
00:38:39,166 --> 00:38:40,791
And now them lot are just gonna
812
00:38:41,791 --> 00:38:44,416
grind us down to nothing
just to make even more money.
813
00:38:45,333 --> 00:38:47,458
Hey, uh, sorry to interrupt. Um…
814
00:38:48,166 --> 00:38:50,250
We have an idea. It's a bit out there.
815
00:38:50,333 --> 00:38:53,375
But as you know, we've been striking out
with the payday lending victims
816
00:38:53,458 --> 00:38:54,500
because they're frightened.
817
00:38:54,583 --> 00:38:57,375
But we met a guy in Leeds
who took out a couple loans
818
00:38:57,458 --> 00:38:59,458
and he tried
to pay them back in cash but couldn't,
819
00:38:59,541 --> 00:39:01,250
'cause there weren't any offices there.
820
00:39:01,333 --> 00:39:02,666
[Oliver] It's all online.
821
00:39:03,666 --> 00:39:04,750
That's not legal.
822
00:39:04,833 --> 00:39:08,916
No, but it does give you an insight
into who and what these companies are,
823
00:39:09,000 --> 00:39:10,958
and how bloody hard they make it
824
00:39:11,041 --> 00:39:13,583
for people to
physically pay the loans back.
825
00:39:14,208 --> 00:39:15,625
Um… Go on then.
826
00:39:15,708 --> 00:39:19,041
Right. So our idea is
that you buy some of the loans
827
00:39:19,125 --> 00:39:20,541
and you try to pay them back.
828
00:39:20,625 --> 00:39:22,000
And we film you doing it.
829
00:39:23,875 --> 00:39:25,208
H… How does that work?
830
00:39:25,291 --> 00:39:28,083
Dave, if you want to save all this,
831
00:39:28,166 --> 00:39:30,416
you need to get public opinion
on your side.
832
00:39:31,000 --> 00:39:33,541
We can show people
what these companies are like
833
00:39:33,625 --> 00:39:36,833
by making short videos
and uploading them to the internet.
834
00:39:36,916 --> 00:39:40,125
If it goes viral,
you'll get millions behind you.
835
00:39:40,208 --> 00:39:42,791
- That sounds expensive.
- No, no. Listen.
836
00:39:42,875 --> 00:39:46,708
I've got a local lad who does
promotional videos for Citizens Advice.
837
00:39:46,791 --> 00:39:50,958
It's not exactly Hollywood
comes to Burnley, but he's good.
838
00:39:51,041 --> 00:39:53,166
It won't cost more than a couple of grand.
839
00:39:53,250 --> 00:39:55,291
This is how you fight back, Dave.
840
00:39:55,791 --> 00:39:59,083
Not in the court,
but out there in the street.
841
00:40:00,625 --> 00:40:02,791
And the best bit is…
842
00:40:02,875 --> 00:40:05,750
Yeah, we already have a title
for the clips.
843
00:40:06,875 --> 00:40:10,458
Dave Fishwick, the Loan Ranger.
844
00:40:10,541 --> 00:40:12,541
[inspirational music playing]
845
00:40:13,333 --> 00:40:15,125
Loan Ranger?
846
00:40:19,208 --> 00:40:20,666
Let's bloody do it.
847
00:40:24,500 --> 00:40:25,458
Okay.
848
00:40:26,375 --> 00:40:27,833
Two seconds, Dave.
849
00:40:29,500 --> 00:40:32,000
Looking good.
Okay. Whenever you're ready, Dave.
850
00:40:34,541 --> 00:40:37,541
Today, we're going to go and visit
Mary and Ted Boothroyd.
851
00:40:37,625 --> 00:40:40,125
Now, Ted, he were a cleaner
before he was laid off.
852
00:40:40,208 --> 00:40:42,791
And Mary, she works part-time
as a teacher.
853
00:40:42,875 --> 00:40:45,875
Last year, they borrowed
300 quid from QuickDough.
854
00:40:45,958 --> 00:40:47,083
Just 300 quid.
855
00:40:47,166 --> 00:40:51,041
Today, they owe them £1,900.
856
00:40:51,125 --> 00:40:53,333
So let's see if we can go help them out.
857
00:40:53,416 --> 00:40:55,833
Since we took that loan,
we've been saving.
858
00:40:55,916 --> 00:40:58,250
- [music fades]
- But it hasn't made a dent.
859
00:40:58,333 --> 00:41:01,041
- How much did you manage to save?
- Near on 600.
860
00:41:01,125 --> 00:41:03,583
- But that's not half what we owe.
- Right.
861
00:41:04,541 --> 00:41:08,625
Now, at the Bank of Dave,
we'd have charged you 340 quid.
862
00:41:08,708 --> 00:41:12,708
So pay me that now,
and I'll take on the loan myself.
863
00:41:12,791 --> 00:41:14,791
And all the responsibility
for repaying it.
864
00:41:14,875 --> 00:41:17,750
- Yeah, we've got the legal contracts here.
- [Ted laughs]
865
00:41:18,333 --> 00:41:19,666
That's amazing, Dave.
866
00:41:20,166 --> 00:41:23,791
But isn't your bank
having legal problems of its own?
867
00:41:23,875 --> 00:41:25,583
Well, good news travels fast.
868
00:41:25,666 --> 00:41:26,666
No, it is.
869
00:41:26,750 --> 00:41:28,666
And, uh… and we'll get them sorted soon.
870
00:41:28,750 --> 00:41:31,541
But, uh,
you don't need to worry about that,
871
00:41:31,625 --> 00:41:34,166
because I'm taking on the loan personally.
872
00:41:34,250 --> 00:41:35,916
- Okay?
- [Ted sighs]
873
00:41:36,000 --> 00:41:38,458
- [melancholy music playing]
- [birds chirping]
874
00:41:42,333 --> 00:41:43,166
Right.
875
00:41:45,541 --> 00:41:47,375
[dog barking in distance]
876
00:41:51,958 --> 00:41:53,500
- Hey.
- [Oliver] Hey. [chuckles]
877
00:41:54,291 --> 00:41:57,250
- Oh, uh… You know Dave and Jessica.
- Yeah.
878
00:41:57,875 --> 00:41:59,958
- Don't worry about… [laughs]
- [Zoe laughs]
879
00:42:00,666 --> 00:42:03,416
- How are you?
- I'm okay, yeah. Um…
880
00:42:04,458 --> 00:42:06,625
Listen, I haven't told Mom about this yet,
881
00:42:06,708 --> 00:42:07,666
because, uh…
882
00:42:09,083 --> 00:42:11,333
She's been let down
too many times, you know?
883
00:42:12,250 --> 00:42:13,375
Yeah, well, um…
884
00:42:14,625 --> 00:42:16,208
[exhales] Not today.
885
00:42:17,791 --> 00:42:18,750
Right.
886
00:42:18,833 --> 00:42:19,708
Yeah.
887
00:42:20,208 --> 00:42:22,208
- Come in. [laughs]
- [Oliver sighs]
888
00:42:25,041 --> 00:42:27,000
I've got the paperwork just here.
889
00:42:27,750 --> 00:42:29,250
All you have to do is sign it.
890
00:42:33,916 --> 00:42:35,666
[sighs] It's just…
891
00:42:36,333 --> 00:42:38,541
It's like a huge weight
lifted off our shoulders.
892
00:42:40,958 --> 00:42:42,625
- Well, I'm glad.
- [Zoe] Yeah.
893
00:42:43,125 --> 00:42:44,916
Mom. Mom. [sniffs]
894
00:42:46,041 --> 00:42:47,625
Just sign. Just sign.
895
00:42:51,583 --> 00:42:53,291
[melancholy music continues]
896
00:42:53,875 --> 00:42:55,125
I don't know what to say.
897
00:42:56,750 --> 00:42:57,791
[laughs]
898
00:42:58,458 --> 00:43:00,500
[voice breaking]
I don't know how to thank you.
899
00:43:01,000 --> 00:43:02,041
[Zoe's mom sighs]
900
00:43:02,791 --> 00:43:05,291
Ah, just give us a hug. [chuckles]
901
00:43:05,375 --> 00:43:07,291
[Zoe gasps]
902
00:43:07,375 --> 00:43:09,166
[Zoe's mom sobs]
903
00:43:14,041 --> 00:43:15,791
Come here, love. Yeah, you.
904
00:43:16,708 --> 00:43:18,291
- [Zoe sniffling]
- [exhales]
905
00:43:18,375 --> 00:43:19,833
You'll have me going soon.
906
00:43:19,916 --> 00:43:22,166
- [all laughing]
- [Zoe's mom cries]
907
00:43:28,166 --> 00:43:29,250
[Dave exhales]
908
00:43:39,375 --> 00:43:41,208
- You okay?
- [exhales shakily]
909
00:43:44,416 --> 00:43:45,666
Come on, let's go.
910
00:43:51,250 --> 00:43:52,583
[melancholy music fades]
911
00:43:52,666 --> 00:43:53,500
[chattering]
912
00:43:53,583 --> 00:43:55,208
- [Dave] Hiya, love. We're over there.
- Hey!
913
00:43:55,291 --> 00:43:56,750
- Hiya.
- [man] Hi, Nicky.
914
00:43:56,833 --> 00:43:59,458
Hey. How did it go today?
915
00:44:00,166 --> 00:44:02,833
Yeah. We got some good footage
916
00:44:02,916 --> 00:44:04,000
Great.
917
00:44:04,583 --> 00:44:06,833
But I meant, how's it going with you?
918
00:44:08,000 --> 00:44:09,375
- I'm fine, thanks.
- Okay.
919
00:44:09,458 --> 00:44:10,666
[Oliver] Here we go.
920
00:44:10,750 --> 00:44:13,291
- [Jessica] Okay.
- [Nicky] So I have just seen this.
921
00:44:13,375 --> 00:44:19,416
Andrew Stevenson, our MP,
is doing a surgery in town on Friday.
922
00:44:19,500 --> 00:44:21,541
We'd agreed the politicians
wouldn't be any use.
923
00:44:21,625 --> 00:44:24,166
Well, he backed you
when you were setting up the bank,
924
00:44:24,250 --> 00:44:26,833
and helping Dave Fishwick
on his new mission
925
00:44:26,916 --> 00:44:29,083
has to be good publicity for him.
926
00:44:29,166 --> 00:44:31,041
Especially now
you've got your own film crew.
927
00:44:31,125 --> 00:44:31,958
[Jessica snorts]
928
00:44:32,041 --> 00:44:34,166
People say
I'm only with her for her looks.
929
00:44:34,666 --> 00:44:36,375
Right, here's to a great day. Hmm?
930
00:44:36,458 --> 00:44:37,833
And here's to an even better day
931
00:44:37,916 --> 00:44:39,791
when we start trying
to pay the money back.
932
00:44:39,875 --> 00:44:40,958
- Cheers.
- Cheers.
933
00:44:41,041 --> 00:44:42,125
- Cheers.
- Cheers.
934
00:44:42,208 --> 00:44:43,583
[joyful music playing]
935
00:44:43,666 --> 00:44:44,541
Cheers.
936
00:44:55,041 --> 00:44:56,625
And these are the head offices?
937
00:44:56,708 --> 00:44:57,708
[joyful music fades]
938
00:44:57,791 --> 00:44:58,833
Apparently.
939
00:45:01,875 --> 00:45:02,791
Hello, boss.
940
00:45:03,416 --> 00:45:05,208
Falafel, chips, and a loan, please.
941
00:45:05,291 --> 00:45:06,541
No, I'm only kidding. Um…
942
00:45:06,625 --> 00:45:08,916
Looking for the offices
of SnapCash Advance.
943
00:45:09,000 --> 00:45:10,791
Just round the back, mate.
944
00:45:11,375 --> 00:45:12,291
Cheers, pal.
945
00:45:17,333 --> 00:45:18,250
[Oliver] Anything?
946
00:45:18,333 --> 00:45:20,583
[sighs] Doesn't seem to be
anybody at home.
947
00:45:24,541 --> 00:45:25,458
Empty.
948
00:45:27,791 --> 00:45:28,666
Nothing.
949
00:45:28,750 --> 00:45:29,625
Dave.
950
00:45:30,250 --> 00:45:32,375
There's a pile of unopened mail here.
951
00:45:32,916 --> 00:45:35,166
- Here, get a shot of that.
- Yeah, on it.
952
00:45:36,500 --> 00:45:37,458
Right.
953
00:45:38,000 --> 00:45:39,250
On to the next.
954
00:45:41,541 --> 00:45:43,791
This looks a bit more hopeful.
955
00:45:43,875 --> 00:45:44,958
Afternoon.
956
00:45:51,458 --> 00:45:52,583
Mr. Jenkins?
957
00:45:53,833 --> 00:45:55,583
Uh-uh… [laughs]
958
00:45:55,666 --> 00:45:57,666
- You can't film in here.
- Why not?
959
00:45:58,250 --> 00:45:59,708
Well, because we have rules.
960
00:46:00,458 --> 00:46:01,458
So put the camera down.
961
00:46:01,541 --> 00:46:04,166
[Dave] Just here to pay back a loan
from QuickDough.
962
00:46:05,000 --> 00:46:07,458
- Well, that's not something we do here.
- No?
963
00:46:08,291 --> 00:46:09,916
But you're a loan company.
964
00:46:10,000 --> 00:46:12,958
You loaned a quarter of a billion quid
to people in this country.
965
00:46:13,041 --> 00:46:13,916
Yes.
966
00:46:14,000 --> 00:46:16,000
All our business is done online.
967
00:46:16,083 --> 00:46:19,958
[Dave] Oh. See, like a lot of people,
I'm not very good with computers, so…
968
00:46:20,541 --> 00:46:22,708
Can you make an exception in this case?
969
00:46:22,791 --> 00:46:24,625
[man laughing] No.
970
00:46:24,708 --> 00:46:28,041
Please, take that back.
I can do nothing with it.
971
00:46:28,125 --> 00:46:30,250
Isn't one of your company's
famous slogans,
972
00:46:30,333 --> 00:46:33,000
"Helping people to help themselves." Hmm?
973
00:46:33,500 --> 00:46:35,875
So could you help me to pay back my loan?
974
00:46:37,250 --> 00:46:40,708
- I'm gonna need to ask you to leave.
- You're kicking us out for trying to pay?
975
00:46:41,333 --> 00:46:42,500
And who might you be?
976
00:46:42,583 --> 00:46:43,875
A journalist.
977
00:46:44,916 --> 00:46:45,750
Uh…
978
00:46:47,750 --> 00:46:49,125
I need security here.
979
00:46:49,958 --> 00:46:50,916
Now.
980
00:46:51,000 --> 00:46:52,375
- [door opens]
- [security] Out. Now.
981
00:46:52,458 --> 00:46:53,750
[Dave] You don't have to push us.
982
00:46:53,833 --> 00:46:55,666
- Come on, mate.
- Lovely, warm welcome.
983
00:46:55,750 --> 00:46:57,625
- Pleasure doing business with you.
- We got it.
984
00:46:57,708 --> 00:46:59,916
- Bye-bye now. Bye-bye.
- You don't want the money, then?
985
00:47:00,000 --> 00:47:01,416
- Thank you.
- [Jessica] Bye-bye.
986
00:47:01,500 --> 00:47:02,875
- Get your camera up.
- Okay.
987
00:47:02,958 --> 00:47:04,000
- Right.
- Yep.
988
00:47:04,083 --> 00:47:06,916
This is the UK headquarters of QuickDough.
989
00:47:07,000 --> 00:47:10,208
They make close on a million pounds a day
990
00:47:10,291 --> 00:47:13,666
in interest payments
from the poorest and most vulnerable.
991
00:47:14,250 --> 00:47:15,875
They've got flashy TV--
992
00:47:16,375 --> 00:47:17,791
How are you getting on, Ben?
993
00:47:17,875 --> 00:47:19,458
Yeah, good. Nearly there.
994
00:47:20,083 --> 00:47:22,458
- Good.
- Can I borrow your pen?
995
00:47:22,541 --> 00:47:24,125
- [Dave] They've got big posters.
- Yeah.
996
00:47:24,208 --> 00:47:26,166
[Dave] They've got their names
on footballers'--
997
00:47:26,250 --> 00:47:27,416
[Oliver sighs]
998
00:47:27,500 --> 00:47:29,000
[keyboard clacking]
999
00:47:29,083 --> 00:47:30,833
Do you want to have a little look at this?
1000
00:47:31,375 --> 00:47:32,333
Yep.
1001
00:47:32,416 --> 00:47:33,916
[inspirational music playing]
1002
00:47:34,000 --> 00:47:34,958
[Jessica] Okay.
1003
00:47:35,750 --> 00:47:36,958
- [Oliver gasps]
- [laughs]
1004
00:47:37,041 --> 00:47:38,250
- Sorry.
- Sorry.
1005
00:47:38,750 --> 00:47:39,666
[Oliver sighs]
1006
00:47:40,666 --> 00:47:41,833
Shall I hit play?
1007
00:47:41,916 --> 00:47:43,333
- Yeah.
- Yeah. [clears throat]
1008
00:47:43,416 --> 00:47:46,208
[Dave]
This is the UK headquarters of QuickDough.
1009
00:47:46,291 --> 00:47:49,541
They make close on a million quid a day
1010
00:47:49,625 --> 00:47:52,916
in interest payments
from the poorest and most vulnerable.
1011
00:47:53,000 --> 00:47:56,291
Now, they've got flashy TV ads.
They've got big posters.
1012
00:47:56,375 --> 00:47:58,791
They've got their names
on footballers' shirts.
1013
00:47:58,875 --> 00:48:02,750
What none of them seem to have
is somebody you can talk to.
1014
00:48:02,833 --> 00:48:06,333
Or… Or an actual place
where you can go to pay them back.
1015
00:48:06,416 --> 00:48:09,916
More than likely,
they're in their big houses in America
1016
00:48:10,000 --> 00:48:11,250
counting your money.
1017
00:48:11,333 --> 00:48:13,666
And our government,
they don't seem to be able to stop them.
1018
00:48:13,750 --> 00:48:15,625
They don't seem to be bothered.
Well, I am.
1019
00:48:15,708 --> 00:48:17,625
And I-- We…
1020
00:48:18,583 --> 00:48:20,541
We are trying to do something about it.
1021
00:48:23,458 --> 00:48:24,833
Powerful stuff, Dave.
1022
00:48:24,916 --> 00:48:27,333
This is legal loan-sharking.
1023
00:48:28,333 --> 00:48:30,333
And you lot,
you're not doing anything about it.
1024
00:48:30,416 --> 00:48:31,583
We're trying, Dave.
1025
00:48:32,125 --> 00:48:35,416
There's even a cross-party committee
looking into it. [sighs]
1026
00:48:36,041 --> 00:48:39,083
But for the coalition government,
this just isn't a priority.
1027
00:48:39,166 --> 00:48:40,291
[scoffs] Right.
1028
00:48:40,916 --> 00:48:42,041
In the meantime,
1029
00:48:42,125 --> 00:48:45,375
the payday lenders
are trying to shut down the Bank of Dave.
1030
00:48:45,458 --> 00:48:47,500
And you know what?
They might just succeed.
1031
00:48:48,541 --> 00:48:49,791
That would be a tragedy.
1032
00:48:49,875 --> 00:48:51,416
Yeah. You're telling me.
1033
00:48:51,500 --> 00:48:54,375
Mr. Stephens, we… We truly believe
1034
00:48:54,458 --> 00:48:57,125
that the Bank of Dave
was set up by these people.
1035
00:48:57,208 --> 00:49:02,166
W… What if Dave is able to prove in court
1036
00:49:02,250 --> 00:49:05,458
that these charges
are totally without merit?
1037
00:49:07,083 --> 00:49:09,875
Do that, and I'll file
for criminal charges immediately.
1038
00:49:10,958 --> 00:49:14,083
And I'll get the Home Office
to file for extradition orders.
1039
00:49:14,166 --> 00:49:15,583
And I'll hold you to it.
1040
00:49:15,666 --> 00:49:17,708
Don't let me down now, Andrew.
1041
00:49:18,208 --> 00:49:19,750
I'm with you all the way on this, Dave.
1042
00:49:21,166 --> 00:49:22,416
[cell phone ringing]
1043
00:49:25,166 --> 00:49:26,416
[Margot breathing deeply]
1044
00:49:27,041 --> 00:49:28,000
Mr. Mancini.
1045
00:49:28,083 --> 00:49:30,875
Have you seen the clip this Fishwick
is posting on the Internet?
1046
00:49:30,958 --> 00:49:31,875
[Margot] I have.
1047
00:49:31,958 --> 00:49:33,833
They're getting
hundreds of thousands of views.
1048
00:49:33,916 --> 00:49:37,625
Hundreds of thousands of people
with nothing better to do and no voice.
1049
00:49:37,708 --> 00:49:39,958
He's telling people to contact their MPs.
1050
00:49:40,041 --> 00:49:43,083
I know how your English politicians are.
They got no backbone.
1051
00:49:43,166 --> 00:49:44,875
They're gonna fold like a deck of cards.
1052
00:49:44,958 --> 00:49:47,041
[Margot] This isn't America, Mr. Mancini.
1053
00:49:47,125 --> 00:49:51,250
The way it works over here is that
if the politicians choose to engage,
1054
00:49:51,333 --> 00:49:52,666
there will be a public inquiry,
1055
00:49:52,750 --> 00:49:54,333
and that could take years.
1056
00:49:54,416 --> 00:49:55,541
But you will lose
1057
00:49:55,625 --> 00:49:58,291
if the only voices out there
are Dave Fishwick
1058
00:49:58,375 --> 00:49:59,625
and his ilk.
1059
00:50:00,125 --> 00:50:02,541
So I've created an alternative narrative.
1060
00:50:03,166 --> 00:50:05,333
- A what?
- I'm using the Russians.
1061
00:50:05,416 --> 00:50:06,250
[fire crackling]
1062
00:50:06,333 --> 00:50:07,166
The Russian?
1063
00:50:07,250 --> 00:50:09,250
What the fuck are you talking about?
1064
00:50:09,333 --> 00:50:11,166
I've employed a troll farm
1065
00:50:11,250 --> 00:50:15,083
to send out hundreds of thousands
of messages on Twitter and Facebook.
1066
00:50:15,166 --> 00:50:17,750
- [suspenseful music]
- [straining] What kind of messages?
1067
00:50:17,833 --> 00:50:19,208
A lot of threats.
1068
00:50:19,708 --> 00:50:21,250
Pretty nasty ones, I'm told.
1069
00:50:21,333 --> 00:50:24,541
But the main thing is
that we paint it as a conspiracy.
1070
00:50:24,625 --> 00:50:27,333
"They are trying to undermine industry."
1071
00:50:27,416 --> 00:50:31,041
"They are stopping ordinary people
from borrowing money."
1072
00:50:31,125 --> 00:50:33,166
And your politicians
are gonna believe this?
1073
00:50:33,250 --> 00:50:34,416
[Margot] Of course not.
1074
00:50:34,500 --> 00:50:37,500
But so long as there are
two sides to choose from,
1075
00:50:37,583 --> 00:50:40,250
they will choose the side
with the most money.
1076
00:50:40,333 --> 00:50:42,708
Good. Good.
1077
00:50:42,791 --> 00:50:45,458
- Sounds like you got it under control.
- I do.
1078
00:50:46,208 --> 00:50:49,166
But it only works
if you bring this Fishwick down.
1079
00:50:49,250 --> 00:50:51,041
You must win this case.
1080
00:50:51,125 --> 00:50:52,125
Oh, I will.
1081
00:50:54,583 --> 00:50:55,833
[suspenseful music fades]
1082
00:51:03,833 --> 00:51:05,958
- [phone line ringing]
- [clears throat]
1083
00:51:07,000 --> 00:51:07,875
[wincing]
1084
00:51:08,458 --> 00:51:10,416
- [Jessica] Hi.
- Hey. [laughs]
1085
00:51:10,500 --> 00:51:12,250
How… How's it going?
1086
00:51:12,333 --> 00:51:14,833
How's the, uh, article coming along?
1087
00:51:14,916 --> 00:51:17,250
Yeah, good. But I'm pretty much
done for the day, so.
1088
00:51:17,333 --> 00:51:18,958
Yeah. Yeah, yeah.
1089
00:51:19,041 --> 00:51:20,208
Me too. [chuckles]
1090
00:51:20,833 --> 00:51:21,708
Um…
1091
00:51:23,375 --> 00:51:25,708
Do you fancy a drink?
1092
00:51:27,750 --> 00:51:28,708
Yes.
1093
00:51:28,791 --> 00:51:30,166
I would.
1094
00:51:30,250 --> 00:51:31,791
Great. Great.
1095
00:51:31,875 --> 00:51:34,500
Well, um… I know a… a local place.
1096
00:51:34,583 --> 00:51:37,666
[breathing shakily] It's intimate.
Well, not too intimate.
1097
00:51:37,750 --> 00:51:39,583
I'll… I'll, uh, send you the details.
1098
00:51:39,666 --> 00:51:41,375
[Jessica] Okay. See you soon.
1099
00:51:41,458 --> 00:51:43,291
[shuddering, raspy voice] Okay. Bye.
1100
00:51:44,750 --> 00:51:45,791
[sniffs]
1101
00:51:46,291 --> 00:51:48,958
[woman] …their gates.
Jacobsen remained behind…
1102
00:51:49,041 --> 00:51:50,250
[Nicky exhales]
1103
00:51:51,375 --> 00:51:52,583
What's this?
1104
00:51:53,791 --> 00:51:55,041
I'm looking for that film
1105
00:51:55,125 --> 00:51:58,000
that Hugh and Alexandra
were going on about. That…
1106
00:51:58,083 --> 00:51:59,875
"You can't handle the truth."
1107
00:52:00,583 --> 00:52:01,708
A Few Good Men.
1108
00:52:02,208 --> 00:52:03,250
Jack Nicholson.
1109
00:52:03,333 --> 00:52:04,333
Tom Cruise.
1110
00:52:04,416 --> 00:52:05,416
Brilliant.
1111
00:52:05,500 --> 00:52:06,916
I'm the only one who hasn't seen it.
1112
00:52:07,000 --> 00:52:09,625
Anyway, I couldn't find it,
but I did find this.
1113
00:52:09,708 --> 00:52:10,625
It's brilliant.
1114
00:52:10,708 --> 00:52:13,750
[woman] …continues
to protest his innocence…
1115
00:52:13,833 --> 00:52:16,375
Hang on. You're not thinking
what I think you're thinking.
1116
00:52:19,041 --> 00:52:20,000
I wouldn't know.
1117
00:52:21,500 --> 00:52:25,125
Don't tell me you fancy getting up
in court and doing a Tom Cruise.
1118
00:52:27,083 --> 00:52:28,208
It was just a thought.
1119
00:52:28,791 --> 00:52:31,541
Oh, Dave, this is serious stuff.
You need a proper lawyer.
1120
00:52:32,125 --> 00:52:33,791
Yeah, you're probably right.
1121
00:52:34,583 --> 00:52:36,750
You know, if you got there,
you'd be more like Joe Pesci.
1122
00:52:36,833 --> 00:52:37,958
[laughs]
1123
00:52:38,041 --> 00:52:40,416
- Who?
- My Cousin Vinny.
1124
00:52:41,416 --> 00:52:42,625
We saw it together.
1125
00:52:43,250 --> 00:52:45,375
[in New York accent]
"My biological clock is ticking."
1126
00:52:45,458 --> 00:52:47,958
- "Ticking. Ticking. Ticking."
- Oh yeah, yeah.
1127
00:52:48,041 --> 00:52:49,166
[laughs]
1128
00:52:49,250 --> 00:52:51,208
I remember now.
She won the Oscar for that.
1129
00:52:51,291 --> 00:52:53,041
Yeah. She deserved it too.
1130
00:52:53,625 --> 00:52:56,458
If I remember right,
Joe Pesci, he won the case.
1131
00:52:56,541 --> 00:52:57,375
Oh, Dave.
1132
00:52:57,458 --> 00:52:59,541
Don't let that give you any bloody ideas.
1133
00:53:00,541 --> 00:53:03,708
You've worked too hard on all this
to take any risks.
1134
00:53:03,791 --> 00:53:05,791
[somber music playing]
1135
00:53:09,083 --> 00:53:11,291
- So how's it all going?
- [music fades]
1136
00:53:11,916 --> 00:53:16,000
Yeah. I mean, I'm really pleased
how it's all panning out.
1137
00:53:17,125 --> 00:53:20,625
The stories that the victims told
are really strong, powerful.
1138
00:53:21,750 --> 00:53:24,291
[sighs] I'm gonna show my financial editor
1139
00:53:24,375 --> 00:53:27,250
that I know how to do
a human interest story just as well.
1140
00:53:27,333 --> 00:53:28,666
It's what she calls cerebral.
1141
00:53:28,750 --> 00:53:30,166
Right. Yeah.
1142
00:53:30,250 --> 00:53:34,375
That all sounds
very promising for your career.
1143
00:53:36,083 --> 00:53:37,458
Wait. What's that supposed to mean?
1144
00:53:37,541 --> 00:53:39,458
Uh… [sighs]
1145
00:53:39,541 --> 00:53:44,208
Well, just that for me, this isn't about
trading on people's misery.
1146
00:53:44,291 --> 00:53:48,708
If we don't make a change,
then that's a blow to the whole community.
1147
00:53:48,791 --> 00:53:51,416
Wait. Hold on.
[scoffs] We're on the same side here.
1148
00:53:52,000 --> 00:53:53,083
I care too.
1149
00:53:54,833 --> 00:53:57,000
That was uncalled for. I'm sorry.
1150
00:53:58,166 --> 00:53:59,083
It's okay.
1151
00:53:59,791 --> 00:54:03,416
It's not your fault
that I always seem to be consumed
1152
00:54:03,500 --> 00:54:05,416
by other people's problems.
1153
00:54:05,916 --> 00:54:06,875
Well…
1154
00:54:08,250 --> 00:54:10,875
I'm sorry
for going on and on about myself.
1155
00:54:10,958 --> 00:54:14,791
Here's the thing. I, uh, I don't have
anything else to be obsessed about.
1156
00:54:14,875 --> 00:54:16,708
- [fire crackling]
- [indistinct chatter]
1157
00:54:17,291 --> 00:54:19,291
But I am enjoying working with you.
1158
00:54:19,916 --> 00:54:21,208
- Really.
- Yeah.
1159
00:54:21,291 --> 00:54:24,750
- We make a pretty good team, right?
- Yeah.
1160
00:54:25,458 --> 00:54:26,833
I mean, when we're…
1161
00:54:26,916 --> 00:54:28,458
- When we're working together.
- Yeah.
1162
00:54:28,541 --> 00:54:30,625
- Professionally.
- Yeah. I know what you meant.
1163
00:54:32,708 --> 00:54:35,333
So, um… Do you like Burnley?
1164
00:54:35,416 --> 00:54:36,250
I do.
1165
00:54:36,333 --> 00:54:39,125
Everybody is, like, so nice.
1166
00:54:40,583 --> 00:54:45,000
This weekend, there is something
that you just have to experience. [laughs]
1167
00:54:45,750 --> 00:54:47,125
Okay. Go on.
1168
00:54:47,208 --> 00:54:48,375
Oh, um… Okay.
1169
00:54:48,458 --> 00:54:50,458
- I've got three words for you.
- Mm-hmm.
1170
00:54:50,541 --> 00:54:51,791
Burnley
1171
00:54:52,541 --> 00:54:53,916
Football Club.
1172
00:54:55,125 --> 00:54:56,041
Oh.
1173
00:54:57,083 --> 00:54:59,208
[upbeat music playing]
1174
00:55:01,166 --> 00:55:03,000
[shouting indistinctly]
1175
00:55:04,625 --> 00:55:06,958
[all shouting] …Burnley!
Come on, Burnley!
1176
00:55:07,041 --> 00:55:07,875
[Jessica] Hi.
1177
00:55:07,958 --> 00:55:10,208
Come on, Burnley! Come on!
1178
00:55:10,291 --> 00:55:11,958
- Here we are. [chuckles]
- Yeah.
1179
00:55:12,458 --> 00:55:13,875
Oh, Jess, here.
1180
00:55:15,250 --> 00:55:16,458
Initiation scarf.
1181
00:55:16,541 --> 00:55:17,541
Friendly service.
1182
00:55:17,625 --> 00:55:19,958
- It's cold out there. So, you know.
- Thank you.
1183
00:55:21,208 --> 00:55:23,416
But just so you know, this is not a date.
1184
00:55:24,208 --> 00:55:25,166
[Oliver mutters]
1185
00:55:25,250 --> 00:55:29,166
Yeah, of course. [laughs]
It's just footies, so… Yeah, I know that.
1186
00:55:34,208 --> 00:55:36,250
- What's all this in aid of?
- Oh, hello.
1187
00:55:36,333 --> 00:55:37,333
All right.
1188
00:55:37,416 --> 00:55:39,166
Uh… This is the courtroom.
1189
00:55:39,250 --> 00:55:40,458
Huh?
1190
00:55:40,541 --> 00:55:43,333
Those are the press,
and those are the opposition lawyers.
1191
00:55:43,416 --> 00:55:45,083
And this is the judge.
1192
00:55:45,833 --> 00:55:46,833
Are you ready?
1193
00:55:47,583 --> 00:55:48,625
For what?
1194
00:55:48,708 --> 00:55:50,583
For the rehearsal,
for getting ready. Come on.
1195
00:55:50,666 --> 00:55:52,458
- Oh, don't be daft.
- We've got to practice.
1196
00:55:52,541 --> 00:55:56,541
You said you would if you'll insist
on representing yourself, Dave. Come on.
1197
00:55:56,625 --> 00:55:58,708
Come on, this is serious stuff, okay?
1198
00:55:58,791 --> 00:56:00,416
Are you ready?
1199
00:56:01,000 --> 00:56:03,708
- Does the giraffe have to be the judge?
- What's wrong with the giraffe?
1200
00:56:03,791 --> 00:56:07,625
I don't trust giraffes. They're too tall.
I want the dachshund.
1201
00:56:07,708 --> 00:56:09,916
You can trust a dachshund.
They're down to earth.
1202
00:56:10,000 --> 00:56:12,041
Just use your bloody imagination, Dave.
Come on.
1203
00:56:12,125 --> 00:56:13,750
- Are you ready? Is he all right?
- Mm-hmm.
1204
00:56:13,833 --> 00:56:14,958
He's a bit stern.
1205
00:56:16,041 --> 00:56:18,708
- I can't believe I'm doing this.
- Court is in session.
1206
00:56:18,791 --> 00:56:19,791
[Dave sighs]
1207
00:56:20,750 --> 00:56:22,750
Right. Hello, Your Honor.
1208
00:56:22,833 --> 00:56:24,708
Hands out of your pockets.
Stand up straight.
1209
00:56:24,791 --> 00:56:26,500
There you go. Good energy.
1210
00:56:27,541 --> 00:56:30,500
My name's Dave Fishwick,
and I sell minibuses.
1211
00:56:31,000 --> 00:56:31,833
[smacking lips]
1212
00:56:32,333 --> 00:56:35,041
Used to be vans.
Any color you like, so long as it's white.
1213
00:56:35,125 --> 00:56:37,833
Christ almighty, Dave,
everyone in Burnley's heard that
1214
00:56:37,916 --> 00:56:39,125
a million times.
1215
00:56:39,208 --> 00:56:41,833
Something else. Something engaging.
1216
00:56:43,083 --> 00:56:44,500
Straight to the point.
1217
00:56:44,583 --> 00:56:49,250
Two years ago, I founded Britain's
first community bank, the Bank of Dave,
1218
00:56:49,333 --> 00:56:52,875
using local money
to help local people and families.
1219
00:56:52,958 --> 00:56:55,291
- [loud chattering]
- Welcome to Turf Moor!
1220
00:56:55,375 --> 00:56:59,000
[announcer] Welcome to Turf Moor!
The home of…
1221
00:56:59,083 --> 00:57:02,666
Right. So basically, all the players,
1222
00:57:02,750 --> 00:57:05,250
they start off there,
in the center circle.
1223
00:57:05,333 --> 00:57:07,166
Come on! The players are coming out now!
1224
00:57:07,250 --> 00:57:09,250
[crowd cheering]
1225
00:57:10,375 --> 00:57:12,000
[all chanting] Come on, Burnley!
1226
00:57:12,083 --> 00:57:15,000
Come on, Burnley! Come on, Burnley!
1227
00:57:15,083 --> 00:57:17,875
Come on, Burnley! Come on, Burnley!
1228
00:57:17,958 --> 00:57:19,375
Keep doing it!
1229
00:57:19,458 --> 00:57:21,791
Come on, Burnley! Come on, Burnley!
1230
00:57:22,416 --> 00:57:23,625
Last time,
1231
00:57:23,708 --> 00:57:26,541
it was the financial institutions
that tried to close me down.
1232
00:57:26,625 --> 00:57:30,458
Yeah. They threw everything they could
at me, every trick in the book,
1233
00:57:30,541 --> 00:57:33,458
which we exposed in the documentary
that was made about my life--
1234
00:57:33,541 --> 00:57:34,541
[Nicky] Hold on a second.
1235
00:57:34,625 --> 00:57:37,916
You can't bring up the television program.
Not everybody's seen it, have they?
1236
00:57:38,000 --> 00:57:39,125
[Dave mutters]
1237
00:57:44,750 --> 00:57:46,958
[crowd cheering and exclaiming]
1238
00:57:48,625 --> 00:57:50,041
[Oliver] Oh, what a miss!
1239
00:57:50,125 --> 00:57:53,416
I have no idea what's going on,
but I… I'm enjoying it.
1240
00:57:53,500 --> 00:57:57,833
Oh, well, um… Basically, we haven't got
our best center-forward here,
1241
00:57:57,916 --> 00:58:01,708
but we just won a corner, and we're doing
pretty well on the set pieces, so…
1242
00:58:02,416 --> 00:58:03,458
- Got it.
- Yeah.
1243
00:58:04,458 --> 00:58:06,041
Come on, Burnley!
1244
00:58:08,833 --> 00:58:10,041
[all cheering raucously]
1245
00:58:12,083 --> 00:58:13,708
Come on, Burnley!
1246
00:58:13,791 --> 00:58:15,375
- That's a goal?
- Yes, we scored!
1247
00:58:15,458 --> 00:58:16,666
[both laugh]
1248
00:58:16,750 --> 00:58:18,000
[Oliver exclaims]
1249
00:58:19,375 --> 00:58:21,416
I went on national television,
1250
00:58:21,500 --> 00:58:25,125
and I told people I wanted to close down
the payday lending companies,
1251
00:58:25,208 --> 00:58:27,875
and now the payday lending companies
want to close me down.
1252
00:58:27,958 --> 00:58:30,500
And this lot,
they're doing their dirty work.
1253
00:58:30,583 --> 00:58:34,500
And they're not going to take that
sitting down. So do you have any proof?
1254
00:58:34,583 --> 00:58:38,916
I do, Your Honor. I can prove
to the court that this were all a set-up!
1255
00:58:39,000 --> 00:58:41,000
Well, great, then you're going to be fine.
1256
00:58:41,083 --> 00:58:46,125
Just, you know, you're not Paul Newman,
and you're not Tom Cruise.
1257
00:58:46,208 --> 00:58:48,333
No, I'm Joe Pesci.
1258
00:58:48,416 --> 00:58:51,708
No, Dave, you're not him,
and you're not a lawyer.
1259
00:58:54,666 --> 00:58:55,666
[Nicky sighs softly]
1260
00:58:55,750 --> 00:59:00,083
You're an ordinary bloke
standing up against corruption,
1261
00:59:00,833 --> 00:59:03,000
standing up for ordinary people,
1262
00:59:03,625 --> 00:59:06,583
who don't have lawyers
and who don't have a voice.
1263
00:59:07,291 --> 00:59:08,416
[Dave sighs]
1264
00:59:09,458 --> 00:59:10,875
You're gonna to be great.
1265
00:59:12,375 --> 00:59:14,000
[birds chirping]
1266
00:59:15,375 --> 00:59:16,708
What are you looking at?
1267
00:59:17,916 --> 00:59:21,500
We've linked the payments
to Mancini, but it's not enough.
1268
00:59:21,583 --> 00:59:25,166
We have to prove that we were set up
beyond reasonable doubt.
1269
00:59:25,250 --> 00:59:29,958
You know, what I don't understand is,
how they know this is dirty money.
1270
00:59:30,041 --> 00:59:33,208
At least one of the shell companies
has been indicted in the US
1271
00:59:33,291 --> 00:59:34,791
on a RICO charge.
1272
00:59:34,875 --> 00:59:35,708
A what?
1273
00:59:35,791 --> 00:59:36,708
Racketeering.
1274
00:59:37,291 --> 00:59:40,041
- Whe… When was this?
- Just before the deposit was made.
1275
00:59:40,125 --> 00:59:41,333
We should've picked up on it,
1276
00:59:41,416 --> 00:59:44,000
but our searches
don't extend as far as the US…
1277
00:59:44,083 --> 00:59:45,208
[cell phone ringing]
1278
00:59:46,166 --> 00:59:47,916
I've got to take this. Excuse me.
1279
00:59:48,958 --> 00:59:50,958
Well, we've just got to keep on digging.
1280
00:59:51,541 --> 00:59:53,583
Pray that we come up
with something definitive.
1281
00:59:53,666 --> 00:59:55,291
- [door closes]
- [intercom rings]
1282
00:59:56,666 --> 00:59:58,625
- Yes?
- [Mary] Call for you, Dave.
1283
00:59:58,708 --> 01:00:00,041
Sir Charles Denbigh.
1284
01:00:00,125 --> 01:00:01,916
[intriguing music playing]
1285
01:00:05,291 --> 01:00:06,833
I'll take it in my office.
1286
01:00:07,750 --> 01:00:09,833
- [woman] How's the article coming along?
- [music ends]
1287
01:00:09,916 --> 01:00:12,208
[Jessica] Yeah, I'm almost done.
1288
01:00:12,291 --> 01:00:13,500
Good.
1289
01:00:13,583 --> 01:00:15,208
Because I have some good news.
1290
01:00:15,291 --> 01:00:19,541
Four years ago,
our editor was given 100 altcoins.
1291
01:00:20,125 --> 01:00:23,208
Now, at the time,
they were worth a cent each.
1292
01:00:23,833 --> 01:00:25,708
Yesterday, he considered selling them
1293
01:00:25,791 --> 01:00:29,125
and discovered they were worth
over half a million dollars.
1294
01:00:29,208 --> 01:00:30,625
I bet that made him happy.
1295
01:00:30,708 --> 01:00:31,708
[woman] He was furious.
1296
01:00:31,791 --> 01:00:33,666
He called me into his office
and demanded to know
1297
01:00:33,750 --> 01:00:37,250
how we'd missed the biggest story
in the history of capitalism.
1298
01:00:37,333 --> 01:00:39,791
So I gave him your proposal.
1299
01:00:40,416 --> 01:00:41,250
And?
1300
01:00:41,333 --> 01:00:42,791
He loved it.
1301
01:00:42,875 --> 01:00:46,250
He wants you back here
on a six-month contract with a pay bump.
1302
01:00:47,583 --> 01:00:48,541
[exhales sharply]
1303
01:00:50,875 --> 01:00:52,250
But I'm not done here.
1304
01:00:52,833 --> 01:00:54,291
Well, you said you were.
1305
01:00:54,791 --> 01:00:56,958
Did I mention he wants a series?
1306
01:00:57,041 --> 01:01:00,250
And he wants to put it
in the news section.
1307
01:01:00,833 --> 01:01:03,083
You're going into the big time.
1308
01:01:04,625 --> 01:01:05,666
[exhales]
1309
01:01:05,750 --> 01:01:07,166
[intriguing playing]
1310
01:01:07,250 --> 01:01:09,250
- [indistinct chatter]
- [phones ringing]
1311
01:01:10,500 --> 01:01:11,750
[phone clattering]
1312
01:01:11,833 --> 01:01:12,791
Hello.
1313
01:01:13,666 --> 01:01:14,875
[Denbigh] Mr. Fishwick?
1314
01:01:15,375 --> 01:01:17,291
Anyone and everyone can call me Dave.
1315
01:01:17,375 --> 01:01:19,250
What can I do for you, Sir Charles?
1316
01:01:19,333 --> 01:01:20,958
It's the other way around.
1317
01:01:21,041 --> 01:01:24,333
I've been made aware
of your current legal difficulties,
1318
01:01:24,416 --> 01:01:27,541
and I may be able
to be of some assistance.
1319
01:01:27,625 --> 01:01:28,791
Can we meet?
1320
01:01:29,541 --> 01:01:32,958
I'm on my way to a baby shower in Skipton,
but I could be with you by six.
1321
01:01:34,125 --> 01:01:35,416
I'll see you at the bank.
1322
01:01:35,500 --> 01:01:36,500
[Denbigh] Good.
1323
01:01:36,583 --> 01:01:37,541
[receiver clicking]
1324
01:01:38,583 --> 01:01:39,833
[intriguing music fades]
1325
01:01:41,250 --> 01:01:42,958
- [Oliver] Hey.
- Hey.
1326
01:01:46,166 --> 01:01:47,125
You okay?
1327
01:01:48,166 --> 01:01:49,500
I have to go to New York.
1328
01:01:51,750 --> 01:01:53,541
Oh, okay. Um… When?
1329
01:01:53,625 --> 01:01:54,958
Tonight.
1330
01:01:55,041 --> 01:01:57,708
The paper finally offered me
a long-term contract.
1331
01:01:57,791 --> 01:01:58,666
Oh.
1332
01:01:58,750 --> 01:02:00,250
- Uh…
- [wistful music playing]
1333
01:02:00,333 --> 01:02:02,958
- Uh… Uh, congratulations.
- Thanks.
1334
01:02:03,041 --> 01:02:04,416
Uh… But, um…
1335
01:02:05,458 --> 01:02:06,833
We're not done here.
1336
01:02:08,208 --> 01:02:09,083
I know.
1337
01:02:09,166 --> 01:02:11,041
But… I'm sorry.
1338
01:02:11,125 --> 01:02:12,833
It's… You know that I can't…
1339
01:02:12,916 --> 01:02:14,916
I mean, this is an opportunity
I can't turn down.
1340
01:02:15,000 --> 01:02:19,000
Wait… Jess, we're…
We're trying to make a difference here.
1341
01:02:19,791 --> 01:02:21,583
Do you know how many people
are gonna suffer
1342
01:02:21,666 --> 01:02:24,125
if the Bank of Dave closes down?
1343
01:02:24,208 --> 01:02:27,000
And right now, that looks like
the most likely outcome,
1344
01:02:27,083 --> 01:02:30,833
unless we can find something
that can help Dave at the trial.
1345
01:02:30,916 --> 01:02:33,916
- Yeah. I understand.
- No. I… I don't think you do.
1346
01:02:34,000 --> 01:02:36,125
I do understand. But I'm a writer.
1347
01:02:36,208 --> 01:02:39,416
You're the activist.
You are so much better at this than me.
1348
01:02:40,708 --> 01:02:41,833
Jess, please. I…
1349
01:02:42,833 --> 01:02:44,708
We're a team here. We…
1350
01:02:47,166 --> 01:02:49,000
I… I need you here.
1351
01:02:50,375 --> 01:02:51,333
Oliver.
1352
01:02:53,000 --> 01:02:55,000
[wistful music continues]
1353
01:02:56,750 --> 01:02:57,708
Okay.
1354
01:02:59,291 --> 01:03:01,125
Fine. Um… Of course.
1355
01:03:01,208 --> 01:03:03,708
This is all about you.
1356
01:03:03,791 --> 01:03:05,333
- Not at all.
- Whatever.
1357
01:03:07,416 --> 01:03:09,333
Clearly, I was wrong about you.
1358
01:03:13,416 --> 01:03:14,916
- Have a nice flight.
- Oliver.
1359
01:03:15,000 --> 01:03:16,666
[footsteps receding]
1360
01:03:16,750 --> 01:03:17,916
[wistful music fades]
1361
01:03:22,708 --> 01:03:24,666
[indistinct chatter]
1362
01:03:30,833 --> 01:03:33,833
And when the balloon popped,
the powder was pink and blue.
1363
01:03:33,916 --> 01:03:35,333
- [Mary] Oh!
- [Denbigh] Twins.
1364
01:03:35,416 --> 01:03:36,666
David.
1365
01:03:36,750 --> 01:03:37,750
[Dave] Dave.
1366
01:03:38,250 --> 01:03:39,250
Dave.
1367
01:03:39,333 --> 01:03:40,375
Charlie.
1368
01:03:41,250 --> 01:03:42,416
Take a load off.
1369
01:03:43,625 --> 01:03:44,750
So this is it.
1370
01:03:44,833 --> 01:03:47,208
The famous Bank of Dave. [chuckles softly]
1371
01:03:47,291 --> 01:03:51,125
I see you're keeping your overheads down.
That's smart. [chuckles]
1372
01:03:52,250 --> 01:03:56,625
Firstly, I must apologize
for the underhand tactics I employed
1373
01:03:56,708 --> 01:03:58,791
when I tried to have you shut down.
1374
01:03:59,375 --> 01:04:00,541
Still won.
1375
01:04:00,625 --> 01:04:01,458
You did.
1376
01:04:02,125 --> 01:04:05,583
I ended up with egg on my face,
and you ended up the hero of the hour.
1377
01:04:05,666 --> 01:04:09,625
Not to mention the fact that
you sang on stage with Def Leppard.
1378
01:04:09,708 --> 01:04:11,541
[laughs] I was very envious.
1379
01:04:12,083 --> 01:04:15,416
Back in my college days,
I have to admit, I was a bit of a fan.
1380
01:04:15,500 --> 01:04:17,541
You said you wanted to help. Why?
1381
01:04:18,625 --> 01:04:21,541
You may have noticed
that the so-called high street banks
1382
01:04:21,625 --> 01:04:24,375
have been closing down
high street branches.
1383
01:04:24,458 --> 01:04:27,375
Rather, a lot of them.
Because they're just not profitable.
1384
01:04:27,458 --> 01:04:30,833
We still pretend
to look after our retail customers.
1385
01:04:30,916 --> 01:04:35,708
Even though we can't give them
the personal attention they require.
1386
01:04:37,625 --> 01:04:39,458
But the Bank of Dave can.
1387
01:04:42,833 --> 01:04:46,833
I want to see more Banks of Dave
across the country.
1388
01:04:47,500 --> 01:04:49,125
I'd support them any way I can.
1389
01:04:49,750 --> 01:04:51,458
On the appropriate terms, of course.
1390
01:04:52,375 --> 01:04:53,625
Well, it's good to know.
1391
01:04:54,208 --> 01:04:56,791
But right now, the original Bank of Dave's
in serious trouble.
1392
01:04:56,875 --> 01:04:59,125
Yes. I've been following the case.
1393
01:04:59,208 --> 01:05:01,500
I've also been watching
your internet clips.
1394
01:05:01,583 --> 01:05:04,166
You're absolutely right
about these payday lenders.
1395
01:05:04,250 --> 01:05:07,125
They are abusing their customers
and the system.
1396
01:05:07,208 --> 01:05:08,625
It has to stop.
1397
01:05:09,750 --> 01:05:13,250
I want to see them shut down
as soon as possible.
1398
01:05:13,333 --> 01:05:16,291
Right. Well…
Looks like we finally agree on something.
1399
01:05:16,375 --> 01:05:19,708
Like it or not, Dave,
we're both in the banking business.
1400
01:05:19,791 --> 01:05:22,333
And they're making us look bad,
which is hard.
1401
01:05:23,125 --> 01:05:24,583
Especially given that, um…
1402
01:05:24,666 --> 01:05:26,166
Everyone hates bankers.
1403
01:05:26,250 --> 01:05:27,125
Exactly.
1404
01:05:29,416 --> 01:05:31,750
We've been lobbying
our friends in Parliament,
1405
01:05:31,833 --> 01:05:33,541
but they're always of the opinion
1406
01:05:33,625 --> 01:05:36,291
that they have
more important issues to deal with.
1407
01:05:36,375 --> 01:05:37,416
However,
1408
01:05:38,875 --> 01:05:43,208
if we could expose these companies
in a public arena,
1409
01:05:44,375 --> 01:05:45,708
say, a court of law,
1410
01:05:46,541 --> 01:05:49,041
then the politicians
would have to take notice.
1411
01:05:51,750 --> 01:05:52,583
Look…
1412
01:05:53,708 --> 01:05:56,833
[breathing deeply]
…I know I was set up. I just…
1413
01:05:57,958 --> 01:05:59,625
[sighs] …I can't prove it.
1414
01:06:00,666 --> 01:06:02,166
That's where I can help.
1415
01:06:04,250 --> 01:06:05,666
Give him a call.
1416
01:06:06,625 --> 01:06:08,500
He worked for QuickDough.
1417
01:06:09,291 --> 01:06:10,208
For them?
1418
01:06:10,750 --> 01:06:13,750
- Why is he gonna help me go against them?
- He's a lawyer, Dave.
1419
01:06:13,833 --> 01:06:15,541
He works for whoever's paying him.
1420
01:06:17,625 --> 01:06:21,125
And, at the moment, that's me.
1421
01:06:22,916 --> 01:06:26,250
If you need any corroborating evidence,
give my office a call.
1422
01:06:28,041 --> 01:06:29,333
Good luck in court.
1423
01:06:29,416 --> 01:06:30,875
[emotional music playing]
1424
01:06:38,750 --> 01:06:39,833
[indistinct chatter]
1425
01:06:39,916 --> 01:06:42,041
- [Dave] The usual place, Ed.
- [woman] Hiya.
1426
01:06:42,125 --> 01:06:43,375
- [Oliver] Hey, Dave.
- Hey.
1427
01:06:44,750 --> 01:06:46,041
Everything good?
1428
01:06:46,125 --> 01:06:47,041
Yeah.
1429
01:06:47,625 --> 01:06:49,708
You know, everything's going pretty well.
1430
01:06:49,791 --> 01:06:51,250
How are the clips doing?
1431
01:06:51,333 --> 01:06:55,083
Well, we've got
over two million views now.
1432
01:06:55,166 --> 01:06:57,416
- Two million? Are you kidding me?
- Yeah. [chuckles]
1433
01:06:57,500 --> 01:07:00,791
Another 998 million,
and you'll be bigger than Gangnam Style.
1434
01:07:00,875 --> 01:07:03,208
[laughing hysterically] Blooming hell!
1435
01:07:03,291 --> 01:07:04,250
Where's Jessica?
1436
01:07:04,333 --> 01:07:05,708
[wistful music playing]
1437
01:07:05,791 --> 01:07:10,625
Oh, she, uh, had to go back to New York.
Something urgent came up with work, so…
1438
01:07:10,708 --> 01:07:11,583
Oh.
1439
01:07:13,541 --> 01:07:14,750
Well, that's a shame.
1440
01:07:16,500 --> 01:07:17,500
You, um…
1441
01:07:19,541 --> 01:07:21,125
- You all right with that?
- Yeah.
1442
01:07:21,208 --> 01:07:22,708
- Yeah? Good.
- Yeah.
1443
01:07:22,791 --> 01:07:24,125
[indistinct chatter]
1444
01:07:27,041 --> 01:07:30,041
So… How are you feeling about tomorrow?
1445
01:07:30,125 --> 01:07:31,250
You're confident?
1446
01:07:32,875 --> 01:07:36,416
Well, some people might say I'm an idiot
for representing myself in court.
1447
01:07:37,041 --> 01:07:38,875
You've got a lot of support on this, Dave.
1448
01:07:39,750 --> 01:07:42,666
People are starting to take notice
of what you're doing,
1449
01:07:42,750 --> 01:07:44,375
what we're doing here.
1450
01:07:45,083 --> 01:07:47,333
You've got a whole community backing you.
1451
01:07:47,833 --> 01:07:52,333
And they're not just standing up for you.
They're standing up for themselves.
1452
01:07:57,875 --> 01:08:00,416
[reporter] It's a big day at Burnley
for Dave Fishwick,
1453
01:08:00,500 --> 01:08:02,875
who we had in the studio
just a few months ago.
1454
01:08:02,958 --> 01:08:06,583
He's in court fighting to keep
the Bank of Dave open for business,
1455
01:08:06,666 --> 01:08:09,291
following accusations of money laundering.
1456
01:08:09,375 --> 01:08:12,750
He believes that he was set up
by the same payday loan companies
1457
01:08:12,833 --> 01:08:14,500
he's trying to close down.
1458
01:08:14,583 --> 01:08:15,750
Now, according to Dave,
1459
01:08:15,833 --> 01:08:18,583
they're loan sharks
and should be held to account.
1460
01:08:18,666 --> 01:08:22,416
Now, he's got loads of local support,
and that includes me.
1461
01:08:22,500 --> 01:08:25,500
[crowd cheering and applauding]
1462
01:08:32,166 --> 01:08:33,416
{\an8}[indistinct shouting]
1463
01:08:35,791 --> 01:08:37,791
[crowd clamoring]
1464
01:08:38,541 --> 01:08:40,541
Thank you so much for coming.
1465
01:08:40,625 --> 01:08:41,916
[man] All right, Dave!
1466
01:08:42,541 --> 01:08:43,666
- Hey!
- Hey!
1467
01:08:46,083 --> 01:08:47,916
[Dave] I just wanna say thank you.
1468
01:08:48,458 --> 01:08:51,041
Thank you for coming
to support the Bank of Dave.
1469
01:08:51,125 --> 01:08:52,791
[camera shutters click]
1470
01:08:52,875 --> 01:08:57,375
Look, this lot, the payday loan companies,
they want to close us down.
1471
01:08:57,458 --> 01:08:58,333
Why?
1472
01:08:58,916 --> 01:09:01,958
- Because we're doing things differently.
- [motivational music playing]
1473
01:09:02,041 --> 01:09:02,875
[all] Yes!
1474
01:09:02,958 --> 01:09:05,791
- Because we're doing things better.
- [crowd] Yes!
1475
01:09:05,875 --> 01:09:10,041
Because we're putting people
and communities before profits.
1476
01:09:10,125 --> 01:09:12,166
- Yes! That's right!
- And they don't like that.
1477
01:09:13,416 --> 01:09:16,166
Look, I know times are hard.
1478
01:09:16,250 --> 01:09:17,333
And…
1479
01:09:17,416 --> 01:09:20,166
Well, they're probably not gonna
get better any time soon.
1480
01:09:21,083 --> 01:09:23,291
But that means that now, more than ever,
1481
01:09:23,958 --> 01:09:25,333
we've got to pull together…
1482
01:09:25,416 --> 01:09:26,416
[all] Yes!
1483
01:09:26,500 --> 01:09:28,458
- To look after each other…
- Yes!
1484
01:09:28,541 --> 01:09:30,833
- To have each other's backs.
- [man] That's right.
1485
01:09:30,916 --> 01:09:33,250
Because if we don't,
they sure as hell won't.
1486
01:09:33,333 --> 01:09:34,375
- Yes!
- Yes!
1487
01:09:34,458 --> 01:09:37,125
[Dave] So wish me luck in there.
1488
01:09:37,208 --> 01:09:38,666
Let's go give them hell!
1489
01:09:38,750 --> 01:09:40,416
[crowd cheering]
1490
01:09:40,500 --> 01:09:42,500
[rousing music playing]
1491
01:09:43,666 --> 01:09:45,666
[indistinct chatter]
1492
01:09:50,791 --> 01:09:52,000
Psst! Hey.
1493
01:09:57,375 --> 01:09:58,291
[music fades]
1494
01:09:59,791 --> 01:10:01,791
- [gavel banging]
- [coughing]
1495
01:10:04,791 --> 01:10:07,625
Dave Fishwick has styled himself
1496
01:10:07,708 --> 01:10:11,250
as a kind of latter-day Robin Hood,
1497
01:10:11,750 --> 01:10:15,875
a self-made millionaire
who is a savior of the community
1498
01:10:15,958 --> 01:10:19,375
and a friend to the ordinary working man.
1499
01:10:19,458 --> 01:10:22,250
At least, that's how
he comes across on television.
1500
01:10:22,333 --> 01:10:26,541
We all know that the media
like to embellish and exaggerate
1501
01:10:26,625 --> 01:10:28,500
in order to entertain.
1502
01:10:28,583 --> 01:10:32,041
But here, here in this court of law,
1503
01:10:32,125 --> 01:10:35,791
we are not afforded poetic license.
1504
01:10:35,875 --> 01:10:39,208
Here, we require the truth,
the whole truth,
1505
01:10:39,291 --> 01:10:40,833
and nothing but the truth.
1506
01:10:41,333 --> 01:10:43,333
She thinks she's Tom Bloody Cruise.
1507
01:10:43,875 --> 01:10:45,333
And the truth is,
1508
01:10:45,416 --> 01:10:49,500
Mr. Fishwick financed his business
with dirty money.
1509
01:10:50,791 --> 01:10:54,500
Money that came from
the crimes and illegal activities
1510
01:10:54,583 --> 01:10:59,291
that are destroying
the very communities he claims to support.
1511
01:11:01,125 --> 01:11:06,083
Now, every bank, even the Bank of Dave,
1512
01:11:06,166 --> 01:11:11,291
is legally required
to determine the origin of all deposits.
1513
01:11:11,375 --> 01:11:14,791
Those are the rules.
And they apply to everyone equally.
1514
01:11:15,375 --> 01:11:20,041
Today, we are asking this court
to enforce those rules.
1515
01:11:23,041 --> 01:11:24,166
Mr. Fishwick.
1516
01:11:25,541 --> 01:11:27,000
Thank you, Your Honor.
1517
01:11:27,083 --> 01:11:28,125
I'll be brief.
1518
01:11:29,833 --> 01:11:31,083
This were a set-up.
1519
01:11:31,916 --> 01:11:34,541
They represent a bunch of criminals.
1520
01:11:34,625 --> 01:11:37,333
They're the ones
who should cease and desist.
1521
01:11:37,416 --> 01:11:40,291
No, in fact,
they should all be put where they belong.
1522
01:11:40,375 --> 01:11:41,208
Behind bars.
1523
01:11:41,291 --> 01:11:42,625
[crowd murmurs]
1524
01:11:44,125 --> 01:11:48,708
Mr. Fishwick, you're opening yourself up
to a charge of slander.
1525
01:11:48,791 --> 01:11:50,750
Not if I'm telling the truth, Your Honor.
1526
01:11:50,833 --> 01:11:53,541
The truth, the whole truth,
and nothing but the truth.
1527
01:11:54,583 --> 01:11:56,333
If you can handle the truth.
1528
01:11:57,208 --> 01:11:59,041
You'd better have proof
of these allegations.
1529
01:11:59,125 --> 01:12:00,083
Oh, I do.
1530
01:12:00,791 --> 01:12:02,791
I'd like to call my first witness,
1531
01:12:02,875 --> 01:12:04,541
Mr. Miles Thornton,
1532
01:12:04,625 --> 01:12:08,208
from the London law firm
Thornton, Arbuthnot, Welsh.
1533
01:12:08,291 --> 01:12:09,583
[crowd murmurs]
1534
01:12:09,666 --> 01:12:13,083
From January 2011 to October 2012,
1535
01:12:13,166 --> 01:12:16,375
I was engaged
by Coleridge Financial Services,
1536
01:12:16,875 --> 01:12:20,708
a corporation in the United States
that own QuickDough here, among others.
1537
01:12:20,791 --> 01:12:23,333
And what did you do
for this US corporation?
1538
01:12:23,416 --> 01:12:27,708
I set up a string of shell companies
in different tax jurisdictions.
1539
01:12:27,791 --> 01:12:30,916
I also set up their bank accounts
in different places,
1540
01:12:31,000 --> 01:12:34,083
including some of the UK's
best-known high street banks.
1541
01:12:34,958 --> 01:12:37,583
And they didn't discover
that the money was dirty?
1542
01:12:37,666 --> 01:12:41,125
At that time, none of the companies
were under indictment.
1543
01:12:41,208 --> 01:12:42,791
But now they are,
1544
01:12:42,875 --> 01:12:47,166
which means that we have access
to their financial records.
1545
01:12:48,583 --> 01:12:50,625
Now, I know this is a lot to go through,
1546
01:12:50,708 --> 01:12:53,958
but one entry
might be of particular interest.
1547
01:12:54,500 --> 01:12:57,583
It would appear that two years ago,
1548
01:12:58,250 --> 01:13:02,000
a retainer for legal services
was paid by one of these corporations
1549
01:13:02,791 --> 01:13:04,208
to your law firm.
1550
01:13:04,958 --> 01:13:07,416
Your Honor, all this is new to us.
1551
01:13:08,125 --> 01:13:10,166
Can we ask for an adjournment?
1552
01:13:10,250 --> 01:13:12,916
You can take half an hour,
but when you come back,
1553
01:13:13,416 --> 01:13:15,083
you've got some explaining to do.
1554
01:13:16,333 --> 01:13:17,708
[tense music playing]
1555
01:13:18,916 --> 01:13:20,416
- [door closes]
- [Dave clapping]
1556
01:13:20,500 --> 01:13:21,958
[footsteps receding]
1557
01:13:34,875 --> 01:13:36,083
[music fades]
1558
01:13:36,666 --> 01:13:38,166
I don't think we have a choice.
1559
01:13:42,666 --> 01:13:46,708
Your Honor, in light of this new evidence,
1560
01:13:47,291 --> 01:13:49,291
we move to withdraw the case.
1561
01:13:49,375 --> 01:13:51,375
[crowd gasps]
1562
01:13:53,500 --> 01:13:54,708
Silence!
1563
01:13:56,333 --> 01:13:58,583
I'm afraid it's not as simple as that.
1564
01:13:59,166 --> 01:14:03,416
All of this exonerates
Mr. Fishwick and the Bank of Dave,
1565
01:14:03,916 --> 01:14:06,833
but it's also evidence
of a criminal conspiracy.
1566
01:14:07,500 --> 01:14:10,083
I'll be passing all of this
to the Crown Prosecution Service
1567
01:14:10,166 --> 01:14:13,583
for them to file charges
against your clients
1568
01:14:14,250 --> 01:14:16,541
and also against you.
1569
01:14:17,583 --> 01:14:18,416
[gavel bangs]
1570
01:14:18,500 --> 01:14:20,166
Case dismissed.
1571
01:14:20,250 --> 01:14:22,541
- [triumphant music playing]
- [crowd cheering]
1572
01:14:23,500 --> 01:14:24,541
Gorgeous!
1573
01:14:28,625 --> 01:14:30,625
[all exclaiming]
1574
01:14:33,041 --> 01:14:36,375
- [cell phone vibrating]
- [music fades]
1575
01:14:37,041 --> 01:14:38,000
Andrew.
1576
01:14:38,083 --> 01:14:39,541
[Andrew] Congratulations, Dave.
1577
01:14:39,625 --> 01:14:41,458
You wiped the floor with them buggers.
1578
01:14:41,541 --> 01:14:43,625
This is just the half of it, mate.
1579
01:14:43,708 --> 01:14:45,416
Now we've got to finish the job.
1580
01:14:45,500 --> 01:14:48,208
If we don't go after the top dogs,
they'll just start up again.
1581
01:14:48,291 --> 01:14:49,583
Yeah, I understand.
1582
01:14:50,333 --> 01:14:53,500
Look, I'm going to push the Home Office,
try and get him extradited.
1583
01:14:53,583 --> 01:14:56,500
If you can do that, mate,
I might even vote for you myself.
1584
01:14:56,583 --> 01:14:58,541
I'll speak soon. Take care.
1585
01:14:58,625 --> 01:14:59,500
[cheering]
1586
01:14:59,583 --> 01:15:01,291
[all cheering]
1587
01:15:01,375 --> 01:15:02,541
[Dave] Whoo-hoo!
1588
01:15:05,333 --> 01:15:06,458
Thank you, Dave.
1589
01:15:07,666 --> 01:15:09,250
[man] You did a great job!
1590
01:15:11,166 --> 01:15:12,708
[applause fades]
1591
01:15:13,291 --> 01:15:14,666
[cell phone ringing]
1592
01:15:16,458 --> 01:15:20,166
- Hey! How… How are you?
- Yeah, yeah. I… I… I'm okay.
1593
01:15:20,250 --> 01:15:23,375
I just… I just wanted to say,
1594
01:15:24,041 --> 01:15:26,583
I'm sorry for not returning
any of your calls.
1595
01:15:27,583 --> 01:15:28,458
It's, um…
1596
01:15:29,083 --> 01:15:31,500
It's been sort of crazy here.
1597
01:15:32,375 --> 01:15:33,291
But, um…
1598
01:15:34,375 --> 01:15:36,083
The good news is…
1599
01:15:37,125 --> 01:15:38,833
The case has just been thrown out.
1600
01:15:39,583 --> 01:15:41,416
- They've won.
- What?
1601
01:15:41,500 --> 01:15:43,500
[laughs hysterically]
1602
01:15:44,333 --> 01:15:46,041
[softly] Sorry. Sorry.
1603
01:15:46,916 --> 01:15:49,291
Wow. Oh my gosh. I wish I was there.
1604
01:15:49,375 --> 01:15:50,250
Yeah.
1605
01:15:51,375 --> 01:15:53,375
Yeah, I… I wish you were here too.
1606
01:15:53,458 --> 01:15:55,458
[melancholy music playing]
1607
01:15:57,208 --> 01:15:59,375
I'll call you when I… when I get home.
1608
01:16:00,375 --> 01:16:02,333
- Oh, and, Jess, um…
- Mm-hmm?
1609
01:16:03,791 --> 01:16:05,708
I'm really glad you came to Burnley.
1610
01:16:07,750 --> 01:16:09,791
- [softly] Me too.
- [melancholy music fades]
1611
01:16:09,875 --> 01:16:11,333
- [woman] Congratulations.
- Thank you.
1612
01:16:11,416 --> 01:16:12,583
- Thanks so much.
- Thanks.
1613
01:16:12,666 --> 01:16:14,708
I don't believe it.
They've heard about it in America.
1614
01:16:14,791 --> 01:16:17,125
- Who's telling you that?
- Rick Purdy.
1615
01:16:17,208 --> 01:16:19,250
- No!
- Yeah, he's with Def Leppard. [laughs]
1616
01:16:19,333 --> 01:16:21,791
- They're on tour in the States. [sniffs]
- Oh!
1617
01:16:22,500 --> 01:16:24,875
I'm quite looking forward
to a trip to America.
1618
01:16:26,250 --> 01:16:27,583
- You what?
- Yeah.
1619
01:16:27,666 --> 01:16:29,416
Well, if Andrew comes through for us,
1620
01:16:29,500 --> 01:16:31,291
do you really want some American lawyer
1621
01:16:31,375 --> 01:16:33,666
to serve Mancini
with an extradition order?
1622
01:16:33,750 --> 01:16:35,166
[mysterious music playing]
1623
01:16:35,833 --> 01:16:36,916
Come on.
1624
01:16:42,875 --> 01:16:44,000
[Carlo] No appeal?
1625
01:16:44,083 --> 01:16:46,750
What kind of third-world
legal system do you have?
1626
01:16:46,833 --> 01:16:49,000
What happened
to your Russian-led campaign?
1627
01:16:49,083 --> 01:16:50,958
Look, QuickDough is toxic.
1628
01:16:51,041 --> 01:16:52,875
Then we rebrand and relaunch.
1629
01:16:52,958 --> 01:16:54,708
You just need to keep your name out of it.
1630
01:16:54,791 --> 01:16:55,750
Yeah, I got it.
1631
01:16:56,291 --> 01:16:58,666
And remember, you owe me half a mil.
1632
01:16:58,750 --> 01:17:00,750
Ugh. Twat.
1633
01:17:01,583 --> 01:17:05,125
- [cars honking]
- [sirens wailing in the distance]
1634
01:17:06,666 --> 01:17:08,541
[cell phone ringing]
1635
01:17:09,750 --> 01:17:11,750
Hey. What's going on?
1636
01:17:11,833 --> 01:17:14,916
Well, we're up to almost
five million views of the clips,
1637
01:17:15,000 --> 01:17:16,375
which is, uh, promising.
1638
01:17:16,458 --> 01:17:17,291
Well…
1639
01:17:17,375 --> 01:17:20,625
But there's also
all these wild conspiracy theories
1640
01:17:20,708 --> 01:17:22,916
circulating on the net, and, uh,
1641
01:17:23,000 --> 01:17:27,083
most days, uh, Dave and I
get death threats on social media.
1642
01:17:27,625 --> 01:17:29,083
Okay, you need to be careful.
1643
01:17:29,166 --> 01:17:32,333
It's just paid trolls.
They're flooding the media with nonsense.
1644
01:17:32,416 --> 01:17:33,958
None of it makes any sense.
1645
01:17:34,500 --> 01:17:37,500
But Dave thinks these theories
1646
01:17:37,583 --> 01:17:41,041
might turn into an excuse
for the politicians to drag their feet.
1647
01:17:41,125 --> 01:17:43,125
Well, that could be really bad.
1648
01:17:43,208 --> 01:17:45,833
Also, I was asking how you were doing,
but go on.
1649
01:17:46,416 --> 01:17:48,916
Look, Dave wants to force their hand
1650
01:17:49,000 --> 01:17:51,083
by bringing Mancini to book,
1651
01:17:51,166 --> 01:17:53,958
and he wants to serve
the extradition order himself.
1652
01:17:55,250 --> 01:17:56,375
Dave's coming here?
1653
01:17:57,000 --> 01:17:58,333
Yeah, he is.
1654
01:17:58,416 --> 01:18:00,750
And, uh, so is Nicky, and…
1655
01:18:01,833 --> 01:18:03,208
So am I.
1656
01:18:03,291 --> 01:18:05,375
No. That's exciting.
1657
01:18:05,458 --> 01:18:07,291
Yeah, I know. [chuckles]
1658
01:18:07,375 --> 01:18:08,250
Sorry.
1659
01:18:08,333 --> 01:18:12,041
Uh, Dave wants you to find out
where Mancini's gonna be.
1660
01:18:12,125 --> 01:18:14,833
[Jessica] I have a friend that works
at the Jersey Police Department.
1661
01:18:14,916 --> 01:18:16,625
They've been after Mancini for years.
1662
01:18:16,708 --> 01:18:18,708
Great. Great. We're flying in next Friday.
1663
01:18:18,791 --> 01:18:20,041
Okay. [laughs]
1664
01:18:20,125 --> 01:18:22,833
Right, well, uh… Do you need me
to pick you up from the airport, or…?
1665
01:18:22,916 --> 01:18:26,291
No, it's too much hassle.
We'll grab a cab, and we'll come to you.
1666
01:18:26,833 --> 01:18:27,791
Okay. [laughs]
1667
01:18:28,625 --> 01:18:31,458
Is this happening?
Because I can't wait. [laughs]
1668
01:18:31,541 --> 01:18:32,375
Yeah.
1669
01:18:32,916 --> 01:18:34,375
Me too. [exhales]
1670
01:18:34,458 --> 01:18:36,458
- [knocking on door]
- [man] Yeah, come in.
1671
01:18:38,208 --> 01:18:39,250
[door opens]
1672
01:18:41,125 --> 01:18:42,791
- Jess.
- [Jessica] Well, hey.
1673
01:18:43,458 --> 01:18:45,666
- [man] Get over here.
- [Jessica] How are you?
1674
01:18:46,625 --> 01:18:48,333
[groans] Meh.
1675
01:18:48,416 --> 01:18:49,333
Yeah?
1676
01:18:49,416 --> 01:18:51,500
- Well, you look well.
- Oh!
1677
01:18:51,583 --> 01:18:53,750
Well, you were always a lousy liar.
1678
01:18:54,375 --> 01:18:57,250
[chuckles] Oh, uh, I was gonna call you,
1679
01:18:57,333 --> 01:19:00,833
because I read the article you did
about the payday lender victims.
1680
01:19:00,916 --> 01:19:04,000
- They owe you a Pulitzer.
- Okay, not gonna happen, but thanks.
1681
01:19:04,083 --> 01:19:06,291
I was also very surprised
1682
01:19:06,375 --> 01:19:08,583
because you said
that you were leaving your apartment,
1683
01:19:08,666 --> 01:19:10,416
but, no, you're leaving the whole country.
1684
01:19:10,500 --> 01:19:12,500
Yeah, well, anything for a story, right?
1685
01:19:13,208 --> 01:19:16,625
And broadening my horizons
turned out to be surprisingly enjoyable.
1686
01:19:17,666 --> 01:19:19,875
Oh, okay. Hey, I'm happy for you.
1687
01:19:20,458 --> 01:19:21,666
Okay, I need a favor.
1688
01:19:21,750 --> 01:19:24,666
So Dave Fishwick, who's been campaigning
for the payday lenders.
1689
01:19:24,750 --> 01:19:27,708
- Yeah?
- He got an extradition order for Mancini.
1690
01:19:28,583 --> 01:19:30,000
- No shit.
- Yeah.
1691
01:19:31,041 --> 01:19:32,125
- Beautiful.
- Yeah.
1692
01:19:32,208 --> 01:19:34,208
So it's time for this scumbag
to face the music.
1693
01:19:34,291 --> 01:19:36,000
Yeah, but is he gonna comply?
1694
01:19:36,083 --> 01:19:38,416
Not a chance. Doesn't matter.
1695
01:19:38,500 --> 01:19:42,041
He's been trying to build up
a criminal empire for the last five years.
1696
01:19:42,125 --> 01:19:44,500
Right?
Making it into a legitimate business.
1697
01:19:44,583 --> 01:19:48,041
And along the way,
he has corrupted more than a few.
1698
01:19:48,625 --> 01:19:51,458
Financiers, politicians, lawyers.
1699
01:19:52,041 --> 01:19:55,208
And although they are all
venal and unscrupulous,
1700
01:19:55,291 --> 01:19:56,916
they will run for the hills
1701
01:19:57,000 --> 01:20:00,333
in order to avoid being associated
with such blatant criminality.
1702
01:20:00,416 --> 01:20:04,041
Without them, he goes back
to being a straight crime boss.
1703
01:20:04,125 --> 01:20:06,000
Easy target for the feds.
1704
01:20:06,083 --> 01:20:08,583
- And for me.
- Yeah, I get that. But here's the thing.
1705
01:20:08,666 --> 01:20:11,458
Dave wants to personally hand him
the extradition order.
1706
01:20:12,000 --> 01:20:14,083
We just need to find out where Mancini is.
1707
01:20:14,166 --> 01:20:16,041
[joyful music playing]
1708
01:20:17,041 --> 01:20:18,500
Well… [clears throat]
1709
01:20:19,833 --> 01:20:20,666
Yeah.
1710
01:20:21,708 --> 01:20:23,000
I would, uh,
1711
01:20:23,791 --> 01:20:25,875
be very happy to help you out with that.
1712
01:20:26,583 --> 01:20:28,750
["New York" by Caroline Lofts playing]
1713
01:20:31,166 --> 01:20:33,166
[cars honking]
1714
01:20:33,875 --> 01:20:34,958
- Here you go.
- Thanks.
1715
01:20:35,041 --> 01:20:35,875
Welcome.
1716
01:20:36,416 --> 01:20:41,041
♪ Oh, oh, oh, oh, oh, New York ♪
1717
01:20:44,833 --> 01:20:48,416
♪ Don't hide no more ♪
1718
01:20:49,041 --> 01:20:50,375
♪ The City… ♪
1719
01:20:50,458 --> 01:20:51,416
Howdy doody!
1720
01:20:51,500 --> 01:20:52,458
I'm Dave.
1721
01:20:53,041 --> 01:20:53,916
[man] Hey, Jess.
1722
01:20:54,833 --> 01:20:56,083
Ah! There she is!
1723
01:20:56,166 --> 01:20:57,541
- Hey.
- [Dave] Hey, how you doing?
1724
01:20:57,625 --> 01:20:59,166
- [Jessica] Good. You?
- Good to see you.
1725
01:20:59,250 --> 01:21:00,458
- [Jessica] You too!
- [song ends]
1726
01:21:00,541 --> 01:21:03,166
- Oh, is that your boss? Hiya.
- [Nicky] Hey. [laughs]
1727
01:21:03,250 --> 01:21:05,833
Hey. Dave Fishwick.
Nice to meet you. How you doing?
1728
01:21:05,916 --> 01:21:06,916
Hello. How you doing?
1729
01:21:07,500 --> 01:21:08,708
Oh! Look at the view.
1730
01:21:08,791 --> 01:21:09,625
- [Jessica] Hey.
- Hey.
1731
01:21:09,708 --> 01:21:10,916
[Dave] The Big Applee-Doo-Dah!
1732
01:21:11,000 --> 01:21:12,208
- Come here!
- [Dave] Well done.
1733
01:21:12,291 --> 01:21:14,666
- [Jessica] Well, how was your trip?
- Yeah, good.
1734
01:21:14,750 --> 01:21:18,083
- You must be knackered.
- Look at you with the lingo. Oh! Grand.
1735
01:21:18,166 --> 01:21:20,041
No, just raring to go.
1736
01:21:20,125 --> 01:21:23,333
Well, good thing because
the New Jersey police came through for us.
1737
01:21:23,416 --> 01:21:24,833
- Yeah.
- [Jessica] Yeah.
1738
01:21:24,916 --> 01:21:26,666
So this is Mancini's home.
1739
01:21:26,750 --> 01:21:29,458
He lives in a gated community
in Wayne, New Jersey.
1740
01:21:29,541 --> 01:21:31,000
This is where he works.
1741
01:21:31,083 --> 01:21:34,583
In order to serve someone, you have to
physically hand them the legal documents.
1742
01:21:35,125 --> 01:21:37,833
Now, we won't be able to do that
of course at these places because,
1743
01:21:37,916 --> 01:21:39,375
according to Detective Adams,
1744
01:21:40,333 --> 01:21:43,000
security won't let us get
anywhere near him.
1745
01:21:43,083 --> 01:21:44,333
But, hold on.
1746
01:21:45,041 --> 01:21:47,083
Every Sunday at lunchtime,
he and his cronies
1747
01:21:47,166 --> 01:21:49,500
go to the same Italian restaurant
in Patterson.
1748
01:21:50,291 --> 01:21:51,916
It's a ritual
they've been doing for years.
1749
01:21:52,000 --> 01:21:53,500
That's where we get him.
1750
01:21:54,833 --> 01:21:56,250
Great. How do we get there?
1751
01:21:56,333 --> 01:21:58,708
Well, I made a reservation
for an hour and a half,
1752
01:21:58,791 --> 01:22:00,375
if you guys wanna check it out.
1753
01:22:00,458 --> 01:22:02,041
[suspenseful music playing]
1754
01:22:02,125 --> 01:22:04,041
Let's go get ourselves some pasta.
1755
01:22:04,125 --> 01:22:05,000
[Nicky giggles]
1756
01:22:06,500 --> 01:22:07,916
- Oh, let me just…
- Oh.
1757
01:22:08,000 --> 01:22:09,583
[emotional music plays]
1758
01:22:09,666 --> 01:22:10,750
Thanks.
1759
01:22:10,833 --> 01:22:12,833
{\an8}[dramatic music playing]
1760
01:22:16,916 --> 01:22:18,250
[indistinct shouting]
1761
01:22:28,166 --> 01:22:29,041
Thank you.
1762
01:22:33,583 --> 01:22:35,750
- Yeah, Paterson is a bit like Burnley.
- [music ends]
1763
01:22:35,833 --> 01:22:38,125
This used to be
one of the richest cities in America.
1764
01:22:38,208 --> 01:22:41,583
They would manufacture
silk and beer and Colt revolvers,
1765
01:22:41,666 --> 01:22:45,500
but now it's the poorest,
and probably the most dangerous.
1766
01:22:46,083 --> 01:22:48,916
And unlike Burnley. Um… I don't know.
1767
01:22:49,000 --> 01:22:52,416
Nobody really gives a damn around here,
so it gets worse every day.
1768
01:22:52,500 --> 01:22:54,416
- [waitress] How we guys doing?
- Great, thank you.
1769
01:22:54,500 --> 01:22:57,541
- The food is fantastic.
- [waitress chuckles] I'll tell the chef.
1770
01:22:57,625 --> 01:23:00,458
It's all good. In fact, I think
we'll come back for lunch tomorrow.
1771
01:23:00,541 --> 01:23:03,000
You won't get any arguments from me.
I love Italian.
1772
01:23:03,083 --> 01:23:04,708
- Can I make a booking?
- Uh…
1773
01:23:04,791 --> 01:23:08,458
Yeah, I mean, it's not really necessary,
but I'll put you down anyway.
1774
01:23:08,541 --> 01:23:10,375
- What time?
- Let's say 1:00 p.m.
1775
01:23:10,458 --> 01:23:11,291
[waitress] Cool.
1776
01:23:11,375 --> 01:23:12,833
- I'll call to confirm.
- Gotcha.
1777
01:23:12,916 --> 01:23:14,916
[indistinct chatter]
1778
01:23:16,416 --> 01:23:17,958
As soon as I've served him the papers,
1779
01:23:18,041 --> 01:23:19,708
we pick up our stuff from the hotel,
1780
01:23:19,791 --> 01:23:22,833
and then…
head straight to MetLife Stadium.
1781
01:23:24,458 --> 01:23:26,708
- Why are we going there?
- Def Leppard are playing.
1782
01:23:26,791 --> 01:23:28,833
- I'm so excited.
- Wait, what?
1783
01:23:28,916 --> 01:23:30,875
- We know their manager.
- No.
1784
01:23:30,958 --> 01:23:32,125
[waitress] So?
1785
01:23:32,208 --> 01:23:33,291
Desserts?
1786
01:23:34,416 --> 01:23:37,708
- You? Want something?
- I'll have a gelato. [laughs]
1787
01:23:37,791 --> 01:23:39,208
- Yeah. All right.
- [chuckles]
1788
01:23:39,291 --> 01:23:41,625
- [suspenseful music playing]
- [sirens wailing]
1789
01:24:25,166 --> 01:24:26,166
[music fades]
1790
01:24:26,250 --> 01:24:28,875
Okay, my friend said
they'll be here in five minutes.
1791
01:24:30,708 --> 01:24:33,208
[door opens, creaks]
1792
01:24:33,291 --> 01:24:34,166
Dave.
1793
01:24:34,666 --> 01:24:36,666
[mysterious music playing]
1794
01:24:49,541 --> 01:24:51,708
Okay. [exhales]
1795
01:24:51,791 --> 01:24:53,666
I'll meet you all back at the hotel.
1796
01:24:54,958 --> 01:24:57,083
- I'm not leaving you, Dave.
- I'll be fine.
1797
01:24:57,166 --> 01:24:58,625
Are you sure, Dave?
1798
01:24:58,708 --> 01:24:59,875
[music ends]
1799
01:25:01,166 --> 01:25:02,166
I'll be fine.
1800
01:25:05,083 --> 01:25:05,916
[kissing]
1801
01:25:09,125 --> 01:25:12,291
[subway rattles]
1802
01:25:15,166 --> 01:25:16,833
[suspenseful music playing]
1803
01:25:18,000 --> 01:25:20,000
[engines roaring]
1804
01:25:21,041 --> 01:25:22,375
[tires screeching]
1805
01:25:22,458 --> 01:25:24,166
[indistinct radio chatter]
1806
01:25:24,250 --> 01:25:25,208
[car door closes]
1807
01:25:31,375 --> 01:25:35,250
- That's fine. Thank you very much.
- Oh wow! Thanks, sir. So kind.
1808
01:25:46,875 --> 01:25:48,125
[man sighs softly]
1809
01:25:50,666 --> 01:25:51,500
Dave.
1810
01:25:53,166 --> 01:25:54,041
[music fades]
1811
01:25:54,125 --> 01:25:56,166
Detective Adams. How you doing?
1812
01:25:56,250 --> 01:25:57,208
All right.
1813
01:25:57,291 --> 01:25:59,833
Long-time friend of Jessica's.
She told me what you were doing.
1814
01:25:59,916 --> 01:26:01,750
I thought you might need some backup.
1815
01:26:02,333 --> 01:26:03,833
- I appreciate it.
- [chuckles]
1816
01:26:03,916 --> 01:26:05,666
You could have got a lawyer for this.
1817
01:26:05,750 --> 01:26:06,916
Yeah, I know.
1818
01:26:08,916 --> 01:26:10,625
But I've been fighting
this guy for months,
1819
01:26:10,708 --> 01:26:12,916
and it's the first time
I've seen him in the flesh.
1820
01:26:14,541 --> 01:26:16,750
I just want to be able
to look him in the eye
1821
01:26:16,833 --> 01:26:19,041
when he learns the game's up.
1822
01:26:20,916 --> 01:26:23,000
All those people he took advantage of.
1823
01:26:24,666 --> 01:26:26,791
All those people he left powerless.
1824
01:26:26,875 --> 01:26:28,875
[subway rattles]
1825
01:26:30,083 --> 01:26:31,833
Well, I want him to feel the same.
1826
01:26:33,750 --> 01:26:34,791
Me too.
1827
01:26:35,916 --> 01:26:37,750
I came close a couple of times, but…
1828
01:26:38,791 --> 01:26:41,250
Nothing stuck. You know,
none of the witnesses would testify.
1829
01:26:42,500 --> 01:26:43,333
Why not?
1830
01:26:43,416 --> 01:26:48,333
[scoffs] He uses the same tricks as,
you know, Pablo Escobar.
1831
01:26:48,875 --> 01:26:50,208
Plata o plomo.
1832
01:26:51,166 --> 01:26:52,333
I don't speak French.
1833
01:26:53,250 --> 01:26:56,000
[chuckles] You can either take
his silver or his lead.
1834
01:26:57,875 --> 01:26:58,750
Right.
1835
01:27:00,000 --> 01:27:02,041
He made them an offer
they couldn't refuse, huh?
1836
01:27:02,125 --> 01:27:03,416
[Adams chuckles] Yeah.
1837
01:27:04,791 --> 01:27:06,541
Look, don't underestimate this guy.
1838
01:27:07,250 --> 01:27:10,125
He's very dangerous.
You have him cornered, okay?
1839
01:27:10,208 --> 01:27:12,375
When this is done, you leave immediately.
1840
01:27:12,458 --> 01:27:16,083
I've got four armed officers outside.
I'll make sure you're not followed.
1841
01:27:16,166 --> 01:27:17,583
Oh… Well, we…
1842
01:27:18,375 --> 01:27:21,791
We've got tickets back to London
late tonight, but…
1843
01:27:21,875 --> 01:27:23,458
[suspenseful music playing]
1844
01:27:23,541 --> 01:27:27,125
Well, we'd hoped to go to a concert
at MetLife Stadium beforehand.
1845
01:27:27,208 --> 01:27:28,416
Skip the concert.
1846
01:27:30,625 --> 01:27:31,625
Right.
1847
01:27:31,708 --> 01:27:32,958
You ready?
1848
01:27:34,791 --> 01:27:36,000
As I'll ever be.
1849
01:27:36,958 --> 01:27:37,791
Okay.
1850
01:27:37,875 --> 01:27:39,875
[music swells]
1851
01:27:49,458 --> 01:27:51,166
[bodyguard] You can't go up there.
1852
01:27:53,625 --> 01:27:54,833
Hey, detective.
1853
01:27:55,458 --> 01:27:56,833
How can I be of assistance?
1854
01:27:57,541 --> 01:27:58,583
I'm good, thanks.
1855
01:27:59,083 --> 01:28:02,166
But my English friend here,
he'd like to have a word with you.
1856
01:28:04,250 --> 01:28:05,375
[music becomes joyful]
1857
01:28:07,000 --> 01:28:08,375
Hello, Mr. Mancini.
1858
01:28:12,916 --> 01:28:14,416
My name is Dave Fishwick.
1859
01:28:15,500 --> 01:28:16,666
I'm from Burnley.
1860
01:28:18,083 --> 01:28:19,375
And you…
1861
01:28:19,458 --> 01:28:21,708
[epic music playing]
1862
01:28:22,333 --> 01:28:24,208
…can consider yourself served.
1863
01:28:27,958 --> 01:28:30,000
He's not gonna take this lying down.
1864
01:28:30,083 --> 01:28:33,333
- My legs are turned to jelly.
- I'd pick an earlier flight if I were you.
1865
01:28:39,791 --> 01:28:42,333
[sirens wailing]
1866
01:28:44,875 --> 01:28:47,041
- I can't see anything suspicious.
- [music fades]
1867
01:28:48,083 --> 01:28:50,125
I really don't think they're following us.
1868
01:28:50,208 --> 01:28:52,666
- There are no seats on earlier flights.
- [knocking on door]
1869
01:28:52,750 --> 01:28:53,958
- [Nicky gasps]
- Oh crap.
1870
01:28:55,000 --> 01:28:56,250
[Nicky exhales sharply]
1871
01:28:57,125 --> 01:28:59,750
[Nicky breathing heavily]
Oh, for heaven's sake.
1872
01:28:59,833 --> 01:29:00,833
- No, don't.
- Huh?
1873
01:29:02,833 --> 01:29:03,708
I'll go.
1874
01:29:06,000 --> 01:29:07,208
[Nicky exhales sharply]
1875
01:29:09,750 --> 01:29:12,000
Oh. It's all right.
You don't need to panic.
1876
01:29:12,083 --> 01:29:13,833
Oh, Jesus.
1877
01:29:13,916 --> 01:29:15,000
- [Dave] Hi. Hey.
- Hey.
1878
01:29:15,083 --> 01:29:18,166
- How youse holding up? All right?
- Okay. Just keen to get away.
1879
01:29:18,250 --> 01:29:19,583
- This is my wife, Nicky.
- Hey.
1880
01:29:19,666 --> 01:29:20,958
You know Jessica. This is Oliver.
1881
01:29:21,041 --> 01:29:22,375
- [Nicky] Nice to meet you.
- Hey.
1882
01:29:22,458 --> 01:29:23,541
Hello, Jessica.
1883
01:29:24,250 --> 01:29:25,291
[Adams] Who are you?
1884
01:29:25,833 --> 01:29:26,833
I'm, uh, Oliver.
1885
01:29:26,916 --> 01:29:28,500
Detective Adams.
1886
01:29:29,291 --> 01:29:31,125
- Oh. Okay.
- [melancholy music playing]
1887
01:29:31,208 --> 01:29:32,791
[Dave] So what's up?
1888
01:29:32,875 --> 01:29:34,541
So we got some bad news.
1889
01:29:35,250 --> 01:29:39,666
Um, Mancini sent out
about half a dozen of his men.
1890
01:29:39,750 --> 01:29:41,583
And we can only assume
they're looking for you.
1891
01:29:41,666 --> 01:29:42,916
You're kidding.
1892
01:29:43,000 --> 01:29:45,750
Uh… Good news is they ain't found you yet.
1893
01:29:46,666 --> 01:29:47,500
[Dave sighs]
1894
01:29:47,583 --> 01:29:50,125
Well… We're struggling
to get away early, so…
1895
01:29:50,208 --> 01:29:51,916
Well, staying here ain't an option.
1896
01:29:52,000 --> 01:29:56,541
So, uh… [sighs] …maybe you just
do go to the concert, you know?
1897
01:29:57,125 --> 01:30:00,208
They're gonna have a hard time
tracking you through a crowd that big.
1898
01:30:00,291 --> 01:30:03,458
It'll be risky getting you there,
but I'll take care of that for you.
1899
01:30:03,541 --> 01:30:05,166
- [Nicky] Oh, thank you.
- [Dave] Really?
1900
01:30:05,250 --> 01:30:07,208
- You'd do that for us?
- [optimistic music playing]
1901
01:30:07,291 --> 01:30:08,250
I like you.
1902
01:30:08,333 --> 01:30:10,208
- So… good?
- Yeah.
1903
01:30:10,291 --> 01:30:11,625
Pack up your shit.
1904
01:30:11,708 --> 01:30:13,708
[rock music playing]
1905
01:30:15,250 --> 01:30:17,291
[sirens wailing]
1906
01:30:25,208 --> 01:30:26,291
[car doors closing]
1907
01:30:30,500 --> 01:30:32,375
Listen, thanks so much for doing this.
1908
01:30:32,458 --> 01:30:35,291
Uh, it's worth it just to see
the look on his face when you served him.
1909
01:30:35,375 --> 01:30:36,416
[laughs]
1910
01:30:36,916 --> 01:30:39,083
- That was pretty good, wasn't it?
- [Adams] Yeah.
1911
01:30:39,583 --> 01:30:42,000
All right.
You should all be fine in there.
1912
01:30:42,083 --> 01:30:43,791
I got my men stationed out front.
1913
01:30:43,875 --> 01:30:46,208
They're going to keep an eye out
for Mancini's men.
1914
01:30:46,916 --> 01:30:48,041
Just enjoy your concert.
1915
01:30:48,125 --> 01:30:49,125
Thanks, pal.
1916
01:30:49,208 --> 01:30:50,208
All right.
1917
01:30:50,291 --> 01:30:52,333
- [Nicky] Hey, thank you.
- Thank you.
1918
01:30:52,416 --> 01:30:53,750
[indistinct chatter]
1919
01:30:53,833 --> 01:30:55,833
[Dave chuckles]
1920
01:30:55,916 --> 01:30:57,541
- Mike!
- [softly] Oh!
1921
01:30:58,083 --> 01:31:01,250
- [Mike] Dave, you made it.
- [exclaims] Great to be here.
1922
01:31:01,333 --> 01:31:04,083
Ah, Turf Moor seems like
it was a lifetime ago.
1923
01:31:04,666 --> 01:31:07,208
- You're telling me.
- [Mike] Hey, here's some passes.
1924
01:31:07,791 --> 01:31:09,458
VIP. Whoo-hoo!
1925
01:31:09,541 --> 01:31:11,708
The guys would love to see you
after the encore.
1926
01:31:11,791 --> 01:31:13,875
Let's head to the dressing room. Come on.
1927
01:31:13,958 --> 01:31:14,791
Let's go.
1928
01:31:14,875 --> 01:31:17,416
["Pour Some Sugar on Me"
performed by Def Leppard]
1929
01:31:17,500 --> 01:31:20,541
♪ Pour some sugar on me ♪
1930
01:31:20,625 --> 01:31:22,791
♪ Ooh, in the name of love ♪
1931
01:31:22,875 --> 01:31:26,458
♪ Pour some sugar on me ♪
1932
01:31:26,541 --> 01:31:28,541
♪ C'mon, fire me up ♪
1933
01:31:28,625 --> 01:31:31,666
♪ Pour some sugar on me ♪
1934
01:31:31,750 --> 01:31:33,416
♪ I can't get enough ♪
1935
01:31:34,000 --> 01:31:37,041
[Nicky] The blue one is soft, but I think
this is a bit more rock and roll.
1936
01:31:37,125 --> 01:31:37,958
[Oliver] Yeah.
1937
01:31:39,083 --> 01:31:41,500
- [cell phone chimes]
- It's just water and orange juice.
1938
01:31:41,583 --> 01:31:42,458
How do I look?
1939
01:31:42,541 --> 01:31:43,541
Good.
1940
01:31:44,416 --> 01:31:45,708
Do you like the cap?
1941
01:31:45,791 --> 01:31:46,666
[Jessica] Dave?
1942
01:31:47,416 --> 01:31:48,250
What?
1943
01:31:50,500 --> 01:31:52,458
Mitch said that
Mancini's guys are outside.
1944
01:31:52,541 --> 01:31:54,541
[band playing in the distance]
1945
01:31:56,500 --> 01:31:59,500
- How?
- Because they were tracking your phone?
1946
01:32:03,208 --> 01:32:05,541
I used it to confirm
the booking at the restaurant.
1947
01:32:13,625 --> 01:32:14,958
He's still in there.
1948
01:32:15,625 --> 01:32:17,083
No movement so far.
1949
01:32:17,166 --> 01:32:19,583
[crowd cheering]
1950
01:32:19,666 --> 01:32:21,291
He's gotta come out soon.
1951
01:32:22,916 --> 01:32:25,958
♪ Pour your sugar on me ♪
1952
01:32:26,041 --> 01:32:28,416
♪ Oh-ooh ♪
1953
01:32:28,500 --> 01:32:31,375
♪ Pour some sugar on me ♪
1954
01:32:31,458 --> 01:32:34,541
♪ Yeah, sugar me ♪
1955
01:32:34,625 --> 01:32:37,875
- [band playing final chord]
- [song ends]
1956
01:32:37,958 --> 01:32:39,416
[crowd cheering]
1957
01:32:40,125 --> 01:32:41,333
[inaudible]
1958
01:32:42,500 --> 01:32:44,208
[applause and cheering fading]
1959
01:32:44,291 --> 01:32:46,000
So they're really gangsters?
1960
01:32:46,583 --> 01:32:50,291
Oh, yeah. The FBI and the Jersey police,
they have files on them like…
1961
01:32:50,375 --> 01:32:51,583
like this thick.
1962
01:32:51,666 --> 01:32:54,166
And they're still allowed
to do business in the UK?
1963
01:32:54,250 --> 01:32:55,916
Not for much longer, I hope.
1964
01:32:56,000 --> 01:32:58,333
All right, then.
You're all coming home with us.
1965
01:32:59,416 --> 01:33:00,250
What?
1966
01:33:00,333 --> 01:33:03,041
Seriously, we got loads of security
1967
01:33:03,541 --> 01:33:06,208
- And our own jet.
- Yeah, it's perfect.
1968
01:33:06,291 --> 01:33:07,291
Oh no.
1969
01:33:07,375 --> 01:33:11,500
Look, that's incredibly generous of you,
but these lads aren't messing about.
1970
01:33:11,583 --> 01:33:14,375
If they see me with you,
it could be dangerous for you.
1971
01:33:14,458 --> 01:33:16,041
Dave, they're not gonna see you.
1972
01:33:17,583 --> 01:33:19,000
How do you mean?
1973
01:33:22,250 --> 01:33:23,125
What, in here?
1974
01:33:23,208 --> 01:33:25,333
You need to leave your phone here.
1975
01:33:25,416 --> 01:33:28,625
- Oh, it's… It's turned off.
- Yeah, they can still track it.
1976
01:33:28,708 --> 01:33:30,625
I saw it on CSI.
1977
01:33:30,708 --> 01:33:32,958
We'll let you out
when we get off the ground.
1978
01:33:35,041 --> 01:33:36,458
Right. [sighs]
1979
01:33:37,041 --> 01:33:39,541
I don't know.
I'm slightly concerned about this.
1980
01:33:39,625 --> 01:33:41,958
Yeah. Yeah, me too.
1981
01:33:44,583 --> 01:33:46,000
[melancholy music playing]
1982
01:33:46,083 --> 01:33:49,000
So what do you think about
me going with you?
1983
01:33:54,875 --> 01:33:57,166
What? To… To Burnley?
1984
01:33:57,875 --> 01:34:00,458
Yeah. I miss Burnley.
1985
01:34:02,000 --> 01:34:03,208
And I miss you.
1986
01:34:16,666 --> 01:34:19,625
Yeah. Yeah, I… I think that's a good idea.
1987
01:34:19,708 --> 01:34:20,791
[music fades]
1988
01:34:21,541 --> 01:34:22,625
[Dave groans]
1989
01:34:22,708 --> 01:34:25,500
- You're good?
- Relax. Everything's gonna be all right.
1990
01:34:26,458 --> 01:34:27,666
You know what, Dave?
1991
01:34:27,750 --> 01:34:29,583
Somebody should make a movie
about your life.
1992
01:34:29,666 --> 01:34:33,416
Don't be daft. Who in their right mind
will want to watch a movie about me?
1993
01:34:33,500 --> 01:34:35,458
[crowd laughing]
1994
01:34:35,541 --> 01:34:38,458
[Dave] You think I'm lying, but I'm not.
I think I was lying, but I'm not.
1995
01:34:38,541 --> 01:34:40,125
[crowd laughing]
1996
01:34:40,208 --> 01:34:41,458
I'm being serious.
1997
01:34:41,541 --> 01:34:44,000
Then what happened, Dave?
How did you get back here?
1998
01:34:44,083 --> 01:34:46,375
Well, we're talking about
rock legends, Jeff.
1999
01:34:46,458 --> 01:34:48,791
So of course
they got their own private jets.
2000
01:34:48,875 --> 01:34:51,916
I were in the hold
along with the rest of the band's gear.
2001
01:34:52,416 --> 01:34:53,750
Ten minutes after takeoff…
2002
01:34:58,000 --> 01:34:59,000
Is he dead?
2003
01:34:59,500 --> 01:35:01,958
Nope. Just sleeps like that.
2004
01:35:03,000 --> 01:35:04,291
I slept like a baby.
2005
01:35:04,375 --> 01:35:05,958
[crowd laughing]
2006
01:35:07,166 --> 01:35:10,833
Well, this story,
it's got an even happier ending,
2007
01:35:12,291 --> 01:35:16,250
because last night QuickDough
went into receivership.
2008
01:35:16,333 --> 01:35:18,166
- They're out of business!
- [crowd cheering]
2009
01:35:18,250 --> 01:35:21,583
And Carlo Mancini
has been charged by the FBI.
2010
01:35:22,291 --> 01:35:23,416
And I'm hoping…
2011
01:35:23,500 --> 01:35:27,333
I am hoping that in the coming months
and years the rest of them will follow.
2012
01:35:27,416 --> 01:35:28,583
[crowd cheering]
2013
01:35:30,125 --> 01:35:32,208
And I'm thankful for Andrew, our MP,
2014
01:35:32,291 --> 01:35:33,916
he's putting pressure on the government
2015
01:35:34,000 --> 01:35:36,958
to make sure
they introduce new legislation
2016
01:35:37,041 --> 01:35:42,041
so that nobody can take advantage
of the most vulnerable ever, ever again.
2017
01:35:42,125 --> 01:35:43,541
[crowd cheering]
2018
01:35:45,750 --> 01:35:50,625
So tonight, we're gonna celebrate!
2019
01:35:52,041 --> 01:35:55,583
But first, I'd like to introduce
a couple of people up to the stage
2020
01:35:55,666 --> 01:35:57,333
who've helped us along the way.
2021
01:35:57,416 --> 01:36:00,416
Firstly, my wife Nicky.
2022
01:36:00,500 --> 01:36:02,208
- Come on up here.
- [crowd cheering]
2023
01:36:02,291 --> 01:36:03,333
Yeah.
2024
01:36:04,125 --> 01:36:06,958
Couldn't have done it without her. Huh?
Any of it.
2025
01:36:07,041 --> 01:36:09,208
- Next, Oliver and Jessica.
- [Jessica gasps]
2026
01:36:09,291 --> 01:36:11,041
[crowd cheering]
2027
01:36:11,125 --> 01:36:13,250
Put your hands together for these two.
2028
01:36:13,333 --> 01:36:16,041
They were the brains
behind the whole thing.
2029
01:36:16,125 --> 01:36:20,416
Now, not many people can say
that a rock band has saved their life,
2030
01:36:20,500 --> 01:36:23,125
but in my case, it's actually true.
2031
01:36:23,208 --> 01:36:24,708
Last time I saw them,
2032
01:36:24,791 --> 01:36:29,000
they were playing
in front of 85,000 screaming fans.
2033
01:36:29,625 --> 01:36:30,875
Tonight…
2034
01:36:32,500 --> 01:36:34,166
- It's for you lot.
- What?
2035
01:36:34,250 --> 01:36:37,083
Ladies and gentlemen,
please put your hands together
2036
01:36:37,166 --> 01:36:42,166
and welcome to the stage
my friends Def Leppard!
2037
01:36:42,250 --> 01:36:43,875
- [crowd cheering]
- No way!
2038
01:36:47,541 --> 01:36:49,041
Oh, my lad!
2039
01:36:49,791 --> 01:36:51,083
Oh my God!
2040
01:36:51,166 --> 01:36:53,291
[Dave] The men who saved me!
2041
01:36:54,125 --> 01:36:55,625
Def bloody Leppard!
2042
01:36:56,916 --> 01:36:58,375
Make some noise!
2043
01:36:58,458 --> 01:37:00,333
[crowd continues cheering]
2044
01:37:00,416 --> 01:37:01,250
Right!
2045
01:37:01,791 --> 01:37:03,708
Are we ready?
2046
01:37:03,791 --> 01:37:04,791
[all] Yeah!
2047
01:37:04,875 --> 01:37:06,208
Are you ready?
2048
01:37:06,291 --> 01:37:08,000
[all] Yeah!
2049
01:37:08,083 --> 01:37:10,458
["Stand By Me" by Ben E. King playing]
2050
01:37:10,541 --> 01:37:12,416
[fingers snapping]
2051
01:37:19,041 --> 01:37:22,458
♪ When the night has come ♪
2052
01:37:24,375 --> 01:37:26,541
♪ And the land is dark ♪
2053
01:37:27,375 --> 01:37:32,791
♪ And the moon
Is the only light we'll see ♪
2054
01:37:34,875 --> 01:37:38,541
♪ No, I won't be afraid ♪
2055
01:37:38,625 --> 01:37:42,250
♪ No, I won't be afraid ♪
2056
01:37:43,041 --> 01:37:46,500
♪ Just as long as you stand ♪
2057
01:37:46,583 --> 01:37:48,333
♪ Stand by me ♪
2058
01:37:48,416 --> 01:37:49,541
- Come on, everybody!
- Come on!
2059
01:37:49,625 --> 01:37:54,375
♪ So darlin', darlin', stand by me ♪
2060
01:37:54,458 --> 01:37:58,708
♪ Oh, stand by me ♪
2061
01:37:59,291 --> 01:38:04,166
♪ Oh, stand, stand by me ♪
2062
01:38:04,250 --> 01:38:05,750
♪ Stand by me ♪
2063
01:38:07,125 --> 01:38:10,375
♪ If the sky that we look upon ♪
2064
01:38:10,458 --> 01:38:12,333
- [Dave] Zoe! Zoe! C'mon up.
- [Zoe] No!
2065
01:38:12,416 --> 01:38:13,750
♪ Should tumble and fall ♪
2066
01:38:13,833 --> 01:38:15,833
[Dave] You gotta hear this girl's voice!
2067
01:38:15,916 --> 01:38:20,833
♪ Or the mountains
Should crumble to the sea ♪
2068
01:38:23,041 --> 01:38:26,291
♪ I won't cry, I won't cry ♪
2069
01:38:26,375 --> 01:38:30,875
♪ No, I won't shed a tear ♪
2070
01:38:31,375 --> 01:38:35,000
♪ Just as long as you stand ♪
2071
01:38:35,083 --> 01:38:36,791
♪ Stand by me ♪
2072
01:38:36,875 --> 01:38:37,958
[Dave] All together now!
2073
01:38:38,041 --> 01:38:42,833
♪ So darlin', darlin', stand by me ♪
2074
01:38:42,916 --> 01:38:46,833
♪ Oh, stand by me ♪
2075
01:38:47,416 --> 01:38:52,458
♪ Oh, stand now, stand by me ♪
2076
01:38:52,541 --> 01:38:53,833
♪ Stand by me ♪
2077
01:38:53,916 --> 01:38:58,791
♪ Whenever you're in trouble
Won't you stand by me ♪
2078
01:38:58,875 --> 01:39:02,875
♪ Oh, stand by me ♪
2079
01:39:02,958 --> 01:39:08,041
♪ Oh, stand now, stand by me ♪
2080
01:39:08,125 --> 01:39:09,791
♪ Stand by me ♪
2081
01:39:11,750 --> 01:39:14,166
[all cheering]
2082
01:39:23,250 --> 01:39:24,666
[song fades]
2083
01:39:24,750 --> 01:39:27,375
["Just Like 73" by Def Leppard playing]
2084
01:39:31,416 --> 01:39:32,416
♪ Hey! ♪
2085
01:39:47,416 --> 01:39:54,000
♪ I see your cosmic fingers
A-pointing in my way ♪
2086
01:39:54,750 --> 01:40:01,458
♪ I see mystic vision
Through the laser head ♪
2087
01:40:01,541 --> 01:40:05,333
♪ A stardust religion
It's the end of days ♪
2088
01:40:05,416 --> 01:40:09,041
♪ A ride to the crazy on electric phase ♪
2089
01:40:09,125 --> 01:40:12,875
♪ When love took disciples
In the pleasure of dawn ♪
2090
01:40:12,958 --> 01:40:16,875
♪ A scene revolution we can call our own ♪
2091
01:40:16,958 --> 01:40:20,708
♪ Hey-oh, wanna rock with you ♪
2092
01:40:20,791 --> 01:40:23,625
♪ Just like 72 ♪
2093
01:40:24,375 --> 01:40:28,125
♪ Hey-oh, rock with me ♪
2094
01:40:28,208 --> 01:40:31,291
♪ Just like 73 ♪
2095
01:40:31,375 --> 01:40:32,250
♪ Hey! ♪
2096
01:40:37,625 --> 01:40:41,083
♪ Just like 73 ♪
2097
01:40:41,166 --> 01:40:44,958
♪ Just like 73 ♪
2098
01:40:45,041 --> 01:40:48,791
♪ Just like 73 ♪
2099
01:40:48,875 --> 01:40:52,000
♪ Just like 73 ♪
2100
01:40:52,083 --> 01:40:53,666
- ♪ Hey! ♪
- [song ends]
2101
01:40:54,500 --> 01:40:57,125
["Stand By Me" by Ben E. King playing]
2102
01:41:10,208 --> 01:41:13,958
♪ When the night has come ♪
2103
01:41:15,750 --> 01:41:18,500
♪ And the land is dark ♪
2104
01:41:18,583 --> 01:41:24,833
♪ And the moon
Is the only light we'll see ♪
2105
01:41:26,750 --> 01:41:30,375
♪ No, I won't be afraid ♪
2106
01:41:30,458 --> 01:41:35,083
♪ No, I won't be afraid ♪
2107
01:41:35,166 --> 01:41:38,958
♪ Just as long as you stand ♪
2108
01:41:39,041 --> 01:41:41,750
♪ Stand by me ♪
2109
01:41:41,833 --> 01:41:47,000
♪ So darlin', darlin', stand by me ♪
2110
01:41:47,083 --> 01:41:51,625
♪ Oh, stand by me ♪
2111
01:41:51,708 --> 01:41:56,625
♪ Oh, stand now, stand by me ♪
2112
01:41:56,708 --> 01:41:58,708
♪ Stand by me ♪
2113
01:42:00,000 --> 01:42:04,250
♪ If the sky that we look upon ♪
2114
01:42:05,625 --> 01:42:08,208
♪ Should tumble and fall ♪
2115
01:42:08,291 --> 01:42:14,000
♪ And the mountains
Should crumble to the sea ♪
2116
01:42:16,500 --> 01:42:20,083
♪ I won't cry, I won't cry ♪
2117
01:42:20,166 --> 01:42:24,750
♪ No, I won't shed a tear ♪
2118
01:42:24,833 --> 01:42:28,625
♪ Just as long as you stand ♪
2119
01:42:28,708 --> 01:42:31,416
♪ Stand by me ♪
2120
01:42:31,500 --> 01:42:36,666
♪ So darlin', darlin', stand by me ♪
2121
01:42:36,750 --> 01:42:41,208
♪ Oh, stand by me ♪
2122
01:42:41,291 --> 01:42:46,250
♪ Oh, stand now, stand by me ♪
2123
01:42:46,333 --> 01:42:48,333
♪ Stand by me ♪
2124
01:42:50,291 --> 01:42:52,458
[instrumental part of the song continues]
2125
01:43:21,208 --> 01:43:26,250
♪ So darlin', darlin', stand by me ♪
2126
01:43:26,333 --> 01:43:30,791
♪ Oh, stand by me ♪
2127
01:43:30,875 --> 01:43:36,208
♪ Oh, stand now, stand by me ♪
2128
01:43:36,291 --> 01:43:37,541
♪ Stand by me ♪
2129
01:43:37,625 --> 01:43:42,833
♪ Whenever you're in trouble
Won't you stand by me ♪
2130
01:43:42,916 --> 01:43:45,958
♪ Oh, stand by me ♪
2131
01:43:46,041 --> 01:43:47,666
[song fades]