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1
00:00:44,640 --> 00:00:48,838
Get off me! Get off me now!
I ain't even done nothing! Get off me!
2
00:00:49,000 --> 00:00:50,513
Get off me! Get off!
3
00:01:07,160 --> 00:01:09,151
Get off me!
4
00:01:11,280 --> 00:01:13,271
Stay there!
5
00:01:15,160 --> 00:01:17,071
Oi!
6
00:01:23,160 --> 00:01:27,278
- I'm sorry, Dave.
- Nah, never mind, mate.
7
00:01:28,720 --> 00:01:33,430
- It's just when I think about it...
- It gets to you. Of course, it all comes back.
8
00:01:34,400 --> 00:01:37,233
No, I'm sorry. I'm fine, I'm fine.
9
00:01:37,400 --> 00:01:40,756
You've been through a lot, Ken,
but you've come through it, mate.
10
00:01:40,920 --> 00:01:47,189
I've learned a lot, too, about the world...
How unfair it is.
11
00:01:47,800 --> 00:01:50,360
Unequal, huh!
12
00:01:53,320 --> 00:01:55,390
But I've learned to accept it, too.
13
00:01:56,560 --> 00:02:03,352
I'm not so bottled up with anger...
I've sort of... exorcised something.
14
00:02:03,520 --> 00:02:08,548
- I'm more at peace, if that's not too soppy.
- Not soppy at all, mate. I envy you that.
15
00:02:10,160 --> 00:02:13,470
But there are one or two things I'm not clear on.
16
00:02:13,640 --> 00:02:16,393
- You don't mind, do you?
- Not at all.
17
00:02:16,560 --> 00:02:19,358
You deserve to know.
You were affected as much as anybody.
18
00:02:19,520 --> 00:02:22,239
Well, only in a small way.
19
00:02:22,400 --> 00:02:28,191
Until it happened, I had no idea the company
was in as much trouble as it presumably was.
20
00:02:28,360 --> 00:02:32,148
But that's the thing, Dave,
we were doing all right.
21
00:02:32,320 --> 00:02:37,075
We would have weathered the storm.
If it hadn't been for the bank.
22
00:02:37,240 --> 00:02:40,755
The bank! Blasted bank!
23
00:02:42,120 --> 00:02:45,829
I suppose it all started
when I was in hospital that time.
24
00:02:46,000 --> 00:02:48,230
Christine was in charge. I was calling daily.
25
00:02:48,400 --> 00:02:50,231
- Ken.
- How are you, Linda?
26
00:02:50,400 --> 00:02:52,868
- All right, thank you.
- Everything seemed OK.
27
00:02:53,040 --> 00:02:58,353
In fact, despite the operation,
I was rather enjoying myself.
28
00:02:58,520 --> 00:03:03,992
It was a break...
A break from stress and pressure.
29
00:03:05,080 --> 00:03:06,798
I felt better than I had for years.
30
00:03:06,960 --> 00:03:11,158
Brian Balfour's first
12 months as head of National Allied Bank
31
00:03:11,320 --> 00:03:13,390
have been anything but uneventful.
32
00:03:13,560 --> 00:03:18,475
At the shareholders meeting today, he faced
his critics and laid out his plans for the future.
33
00:03:18,640 --> 00:03:22,997
No one regrets branch closures
and redundancies more than me.
34
00:03:23,160 --> 00:03:28,359
But if we are to take the bank forward
through the 21st century
35
00:03:28,520 --> 00:03:33,719
with the service standards and profitability
we have achieved in the past,
36
00:03:33,880 --> 00:03:38,112
we have to face up to reality
and make some tough choices.
37
00:03:39,000 --> 00:03:42,993
The savings made will naturally
be passed on to the customers.
38
00:03:43,160 --> 00:03:44,991
Bollocks, they wi ll.
39
00:03:45,160 --> 00:03:49,312
They'll just go to increasing your profits
and the value of your shares.
40
00:03:49,480 --> 00:03:52,199
Make me laugh.
41
00:04:19,640 --> 00:04:24,111
Grendle & Co.
Oh, hello, Ken, how are you?
42
00:04:24,280 --> 00:04:27,272
- I'm all right, thanks.
- Are you feeling better?
43
00:04:27,440 --> 00:04:31,149
Yeah, thanks.
I'll be out tomorrow or the day after.
44
00:04:31,320 --> 00:04:34,869
- Seen your consultant, then?
- Said everything's going very well.
45
00:04:35,040 --> 00:04:39,556
- Keeping yourself amused?
- I'm just looking at the chairman of our bank.
46
00:04:39,720 --> 00:04:42,792
- What's wrong with him?
- Not in here! On the telly.
47
00:04:42,960 --> 00:04:46,316
- What's that music?
- Just holding for the other line.
48
00:04:46,480 --> 00:04:47,879
How are we doing?
49
00:04:48,040 --> 00:04:51,157
Well, the Unverdale order will be ready
end of the week.
50
00:04:51,320 --> 00:04:55,393
That's good. And what about
the milking valves for Broutaby Fleat?
51
00:04:55,560 --> 00:05:00,680
Jim called this morning. They're altering
the design, so we can't start yet.
52
00:05:00,840 --> 00:05:03,229
Oh, sod, we could have done with that.
53
00:05:03,400 --> 00:05:06,119
- When can we start?
- Not for a few weeks.
54
00:05:06,280 --> 00:05:11,354
I don't know if you heard,
Eastern Livestock Engineering, they've gone bust.
55
00:05:11,520 --> 00:05:15,399
You're kidding! Poor old Jack.
56
00:05:15,560 --> 00:05:18,996
- How much did they owe us?
- 12 grand in all.
57
00:05:19,160 --> 00:05:22,869
They haven't paid any bills for weeks.
They're in receivership.
58
00:05:23,040 --> 00:05:26,828
- We might get something.
- But when? That's bad news.
59
00:05:27,000 --> 00:05:29,992
Don't worry about it.
Concentrate on getting well.
60
00:05:30,160 --> 00:05:33,516
This other call's come through.
61
00:05:33,680 --> 00:05:36,990
No, before you...
62
00:05:37,640 --> 00:05:40,632
- We regret...
- Hello? Oh...
63
00:05:40,800 --> 00:05:43,189
...currently busy with other callers.
64
00:05:43,360 --> 00:05:46,830
Your call is important to us
and is held in a queue.
65
00:05:47,000 --> 00:05:50,549
- Please continue to hold...
- Come on, you bastards!
66
00:05:56,920 --> 00:06:01,835
- Storm clouds were gathering.
- About to piss down in more ways than one.
67
00:06:14,640 --> 00:06:17,916
- Welcome back, Ken.
- On your toes, boys, the boss is back!
68
00:06:18,080 --> 00:06:20,071
- All right, Barry?
- Guv.
69
00:06:21,160 --> 00:06:22,752
Dave.
70
00:06:30,000 --> 00:06:32,753
- He's back.
- Ken!
71
00:06:32,920 --> 00:06:34,956
How lovely to see you.
72
00:06:35,120 --> 00:06:37,315
- How are you feeling?
- All right.
73
00:06:37,480 --> 00:06:39,198
- Good.
- Everything OK?
74
00:06:39,360 --> 00:06:42,989
Yes, on the whole.
You need to have a look at that.
75
00:06:44,160 --> 00:06:48,073
"It has come to our attention that..."
76
00:06:48,240 --> 00:06:51,198
- Overdraft?
- I've been trying to get through to them for days.
77
00:06:51,360 --> 00:06:54,238
- Days! When did this come?
- Friday.
78
00:06:54,400 --> 00:06:58,552
- Friday! Why didn't you tell me? Christine!
- You were in hospital, Ken!
79
00:06:58,720 --> 00:07:02,554
I was going to ask the bank to hold off
until you got back to work.
80
00:07:02,720 --> 00:07:04,711
I never got through to anyone.
81
00:07:04,880 --> 00:07:08,998
You're holding for hours with that "music"
and then when you do get through,
82
00:07:09,160 --> 00:07:11,799
nobody knows and you go from one to another
83
00:07:11,960 --> 00:07:15,748
and you get cut off and have to
start the whole thing over again!
84
00:07:15,920 --> 00:07:19,595
- What about this, look! E. M. Rainer.
- Doesn't exist.
85
00:07:19,760 --> 00:07:22,797
- What?
- There's no such person.
86
00:07:22,960 --> 00:07:26,032
The bank makes names up so you think
you're dealt with by an individual.
87
00:07:26,200 --> 00:07:30,716
- No one has to take direct responsibility.
- I don't understand why you didn't tell me!
88
00:07:30,880 --> 00:07:34,509
They're threatening to call in the overdraft,
for God's sake.
89
00:07:34,680 --> 00:07:38,912
Do you know what that means?
It'd be devastating! We couldn't operate!
90
00:07:39,080 --> 00:07:41,389
I know, Ken, but maybe...
91
00:07:41,560 --> 00:07:44,393
- We've always had an overdraft!
- We're over the limit.
92
00:07:44,560 --> 00:07:50,351
But this...! Shit!
Look at these emergency interest rates.
93
00:07:50,520 --> 00:07:54,638
It's extortion! All right, all right.
94
00:07:56,840 --> 00:07:59,035
- Got a cigarette?
- What did the doctor say?
95
00:07:59,200 --> 00:08:01,350
Just give me a cigarette.
96
00:08:04,640 --> 00:08:08,838
Cheers. I want to know
why we're so far over the limit.
97
00:08:09,000 --> 00:08:12,754
Get Ivan in. Tell him to bring
the books and all the statements.
98
00:08:12,920 --> 00:08:15,559
- We must be putting something in.
- Not enough.
99
00:08:17,160 --> 00:08:22,075
I've only been gone three weeks.
The bank wasn't sending this stuff before.
100
00:08:22,240 --> 00:08:24,276
Maybe we've gone over a certain level.
101
00:08:24,440 --> 00:08:27,273
- Hello. Ivan, please.
- It's that Balfour.
102
00:08:27,440 --> 00:08:30,318
- Who?
- Brian Balfour, chairman of the bank.
103
00:08:30,480 --> 00:08:33,119
- Yes, I'll hold.
- What's that he said?
104
00:08:33,280 --> 00:08:36,556
"We are pursuing a prudent
and pragmatic financial policy."
105
00:08:36,720 --> 00:08:40,508
Which means they're coming down hard
on everyone, screwing people.
106
00:08:43,400 --> 00:08:47,109
- Ms. Rosser's not here just now.
- I need to talk to her urgently.
107
00:08:47,280 --> 00:08:50,477
- About a very disturbing letter.
- Can I help?
108
00:08:50,640 --> 00:08:52,949
I'd rather talk to an adult.
109
00:08:53,120 --> 00:08:57,432
- I'm Assistant Senior Customer Care Advisor.
- Jesus wept.
110
00:08:58,480 --> 00:09:00,550
Look, no offence, Perry,
111
00:09:00,720 --> 00:09:03,553
but I need to talk to somebody in authority,
112
00:09:03,720 --> 00:09:06,439
the most senior member of the branch -
Ms. Rosser.
113
00:09:06,800 --> 00:09:09,792
- She's not here.
- Yes, you said.
114
00:09:09,960 --> 00:09:15,830
- Can I make an appointment to see her?
- Bear with me. I'll just fetch her diary.
115
00:09:19,240 --> 00:09:23,199
I'm sorry if you haven't been paid
but why should that affect us?
116
00:09:24,920 --> 00:09:28,356
I'm not going to argue.
I need payment by the end of the week.
117
00:09:28,520 --> 00:09:32,559
Yeah, you tell him. Thank you and goodbye.
118
00:09:34,280 --> 00:09:38,751
For God's sake. You'd think it was her money!
Bloody account assistants!
119
00:09:38,920 --> 00:09:42,708
- 58,472.
- There you go, 60 grand.
120
00:09:42,880 --> 00:09:46,589
If they all paid, we'd have 60 grand.
That would sort the overdraft.
121
00:09:46,760 --> 00:09:50,036
- It wouldn't clear it.
- But we'd be back within our limit.
122
00:09:50,200 --> 00:09:53,317
- Get the bank off our backs.
- I know, Ken, but...
123
00:09:53,800 --> 00:09:59,158
We've got all these bills to pay,
all long overdue and more than 60,000.
124
00:09:59,320 --> 00:10:03,154
- Who owes us the most?
- Broutaby Fleat, nearly 40,000.
125
00:10:03,320 --> 00:10:05,675
But we've got all this stuff to do now.
126
00:10:06,400 --> 00:10:11,633
VAT... National Insurance... Inland Revenue.
127
00:10:11,800 --> 00:10:14,951
We must get those cheques off.
We wouldn't want them bouncing.
128
00:10:15,920 --> 00:10:20,755
Stakeholder pensions still need sorting.
Health and Safety Audit to be actioned.
129
00:10:20,920 --> 00:10:26,472
EC Directive on Pipe Bores, and on Metal
Content in Hydraulic Couplings for Food Use.
130
00:10:26,640 --> 00:10:28,835
EC Directive on Sustainable Packaging.
131
00:10:29,000 --> 00:10:32,276
District Council Notification
for Noise Emission on the Ventilation Plant
132
00:10:32,480 --> 00:10:35,074
and the Export Licensing
of Agricultural Machinery.
133
00:10:35,240 --> 00:10:38,835
Mr. Grendle, you clearly have
something of a cash-flow problem.
134
00:10:39,000 --> 00:10:42,356
Things have been difficult for farming
and livestock industries all over.
135
00:10:42,520 --> 00:10:46,832
A company like ours who services them,
you suffer a knock-on effect.
136
00:10:47,000 --> 00:10:51,915
Talk to us. We have specialist advisors
who can work out a recovery package.
137
00:10:52,080 --> 00:10:55,595
Do you think it's helpful charging
extortionate fees and interest rates?
138
00:10:55,760 --> 00:10:58,320
You charge 20 quid every time you write to me!
139
00:10:58,480 --> 00:11:02,871
Overdraft charges are set out in our tariff.
All customers are made aware of them.
140
00:11:03,040 --> 00:11:06,635
- I can let you have a copy...
- I know what you're charging!
141
00:11:07,240 --> 00:11:11,518
My point is... it's just adding to our problems.
142
00:11:11,680 --> 00:11:16,470
Mr. Grendle, the bank authorises an overdraft limit
based upon our assessment of your account.
143
00:11:16,640 --> 00:11:20,394
If you exceed it, we must be able
to impose some sort of penalty.
144
00:11:20,560 --> 00:11:23,632
Otherwise borrowing would escalate unchecked.
145
00:11:23,800 --> 00:11:27,918
You'd rather see companies go under
than forgo your penalties?
146
00:11:28,080 --> 00:11:33,279
We have no interest in seeing companies fail,
so we try and help out as far as we can.
147
00:11:33,440 --> 00:11:38,434
But we must apply our terms and conditions
equally to all. It's only fair.
148
00:11:39,480 --> 00:11:43,837
Mr. Grendle, as important as all this is to you,
you are one of many.
149
00:11:44,000 --> 00:11:46,719
The bank has to take a wider view.
150
00:11:46,880 --> 00:11:50,316
We cannot permit your borrowing
to escalate unchecked.
151
00:11:50,480 --> 00:11:53,119
You'll need to get within your overdraft limit
152
00:11:53,280 --> 00:11:57,831
and then we'll reduce that limit to
what we consider to be a manageable level.
153
00:11:58,000 --> 00:12:02,596
I'd like you to come back at the end of next week
so we can assess the progress.
154
00:12:06,480 --> 00:12:10,439
- Or else?
- Or else she can freeze the account.
155
00:12:10,600 --> 00:12:14,639
Stop anything going out
until we've cleared the overdraft fully.
156
00:12:14,800 --> 00:12:19,476
- We couldn't even pay the wages?!
- We couldn't even pay the milkman.
157
00:12:19,640 --> 00:12:25,510
- They can't just do that, can they?
- They do it every day, Christine.
158
00:12:25,680 --> 00:12:28,672
How are you getting on
chasing up those invoices?
159
00:12:28,840 --> 00:12:33,630
They're promising to pay as soon as possible
but our suppliers are demanding the same of us.
160
00:12:33,800 --> 00:12:36,473
Some are even threatening to get nasty.
161
00:12:41,400 --> 00:12:46,349
I'll talk to Jim Broutaby. He owes us the most.
I'll tell him he's got to pay.
162
00:13:02,720 --> 00:13:04,711
Nice piece, isn't it, Ken?
163
00:13:05,560 --> 00:13:08,199
One of our best sellers, the old Mark 7.
164
00:13:09,560 --> 00:13:12,836
They go to abattoirs and vets all over the world.
165
00:13:13,000 --> 00:13:17,551
Civilised worlds, you know,
wherever animals are dispatched humanely.
166
00:13:17,720 --> 00:13:21,872
- We don't make any components for this, do we?
- No, that's all in-house, Ken.
167
00:13:22,040 --> 00:13:25,589
High-end engineering, real craftsmanship.
168
00:13:25,760 --> 00:13:28,991
So the foot-and-mouth cull
didn't do you any harm?
169
00:13:29,160 --> 00:13:33,438
Well, I like to think we played our part, Ken.
170
00:13:33,600 --> 00:13:38,879
Reliability, that's what you need. One of those
beauties'll get through dozens of cattle an hour.
171
00:13:39,040 --> 00:13:42,794
The Kalashnikov of humane dispatches.
172
00:13:42,960 --> 00:13:48,830
It's all about positioning, really. In the right hands
death is instantaneous and guaranteed.
173
00:13:49,000 --> 00:13:51,912
In the wrong hands... messy.
174
00:13:54,400 --> 00:13:59,679
- So, Ken, business a bit slack, is it?
- I wouldn't say that.
175
00:13:59,840 --> 00:14:02,877
We're doing pretty well, all things considered.
176
00:14:03,040 --> 00:14:07,033
Then why are you after me for money, mate?
We'll pay. We always have done.
177
00:14:09,360 --> 00:14:13,717
Nobody pays their invoices on time, Ken.
178
00:14:13,880 --> 00:14:18,396
We all like to build a little bit of "wait"
into our cash flow.
179
00:14:18,560 --> 00:14:20,596
Yeah, well, you see...
180
00:14:22,160 --> 00:14:28,633
I've got this special project and I need finance,
and the money you owe us would be useful.
181
00:14:28,800 --> 00:14:31,155
Special project, eh?
182
00:14:31,320 --> 00:14:36,269
Far be it from me to stand
in the way of progress, Ken,
183
00:14:36,440 --> 00:14:41,434
but unlike you, we do have
a bit of a cash-flow problem.
184
00:14:41,600 --> 00:14:48,153
Many of our end users are farmers, so
we've lost business in the last couple of years.
185
00:14:48,320 --> 00:14:51,676
- Are you saying you can't pay?
- No, not at all. We'll pay.
186
00:14:53,000 --> 00:14:56,788
It's just that I wouldn't mind, say... another week.
187
00:14:58,200 --> 00:15:00,794
We've got this big order, the milking valves.
188
00:15:00,960 --> 00:15:07,115
Soon as the revised design is through,
then that's supposedly coming your way, mate.
189
00:15:07,280 --> 00:15:11,796
I wouldn't have thought it would be
in your best interests to refuse my little request.
190
00:15:11,960 --> 00:15:15,111
- It's only a week, isn't it?
- Did he pay?
191
00:15:15,280 --> 00:15:17,919
You're jumping ahead a bit there.
192
00:15:18,080 --> 00:15:21,390
We spent a week desperately
trying to get some money in,
193
00:15:21,560 --> 00:15:25,553
- While stopping too much going out.
- Not easy.
194
00:15:25,720 --> 00:15:29,599
We were already sitting on final demands
for the electricity and gas.
195
00:15:29,760 --> 00:15:32,593
I told the leasing company
to take away some equipment
196
00:15:32,760 --> 00:15:34,990
and cancelled orders for materials.
197
00:15:35,160 --> 00:15:38,709
I should have seen it.
I was still drumming up new business.
198
00:15:42,800 --> 00:15:46,554
- Morning, Ken. Stitches out yet?
- Dave. No.
199
00:15:46,720 --> 00:15:51,635
Good news. I'd have called last night
but I'd totally lost the power of speech by 6.30.
200
00:15:51,800 --> 00:15:57,033
I've got us a meeting with Greenfield Technology.
They make air-conditioning plant and stuff.
201
00:15:57,200 --> 00:16:02,593
This could be big. They want a new supplier
for widgets to be custom-made.
202
00:16:02,760 --> 00:16:06,230
- We're in the frame for the contract.
- What sort of widgets?
203
00:16:06,400 --> 00:16:10,678
Widgets for air-conditioning machines.
We can do that, can't we? We've got to.
204
00:16:10,840 --> 00:16:13,991
Could be a big contract.
Totally unconnected with farming.
205
00:16:14,160 --> 00:16:16,720
Yeah. Yeah, could be interesting.
206
00:16:16,880 --> 00:16:20,793
People are always gonna need air conditioning.
Global warming.
207
00:16:20,960 --> 00:16:24,032
In my heart of hearts I knew it was the end.
208
00:16:25,280 --> 00:16:28,829
- I could smell death in the air.
- The abattoir down the road?
209
00:16:29,000 --> 00:16:32,356
The company... my company...
210
00:16:33,320 --> 00:16:37,836
Dave, I really appreciate what you tried to do.
You worked hard for that opportunity, but...
211
00:16:38,000 --> 00:16:41,390
we were already holed below the water.
212
00:16:42,080 --> 00:16:45,675
I spent night after night trying to figure a way out.
213
00:16:47,440 --> 00:16:48,555
In the end, I knew it would be drastic measures.
214
00:16:52,240 --> 00:16:56,392
I wanted to have a chat with you
over a drink rather than in the office.
215
00:16:56,560 --> 00:16:59,836
- Too formal.
- I've an awful feeling I know what's coming.
216
00:17:00,000 --> 00:17:04,152
I don't know what you've picked up,
but strictly between you and me,
217
00:17:04,320 --> 00:17:07,869
we've got serious problems
and not entirely of our own making.
218
00:17:08,040 --> 00:17:10,952
The bank are being complete bastards.
219
00:17:11,120 --> 00:17:14,351
Unreasonable, inflexible, uncontactable.
220
00:17:14,520 --> 00:17:18,069
I suspect I'm going to be
the first casualty of this war.
221
00:17:18,240 --> 00:17:21,277
- Sorry, mate.
- It's all right. Last in first out.
222
00:17:21,440 --> 00:17:25,672
- Some have been there for years, got families.
- Good of you to look at it like that.
223
00:17:25,840 --> 00:17:30,356
Didn't seem fair for you to keep on
doing work and probably not get paid.
224
00:17:30,520 --> 00:17:34,638
Thanks, mate, but... I'll be all right.
225
00:17:34,800 --> 00:17:39,112
I always float to the surface
like a turd in a pisspot.
226
00:17:40,880 --> 00:17:43,348
You always had a way with words.
227
00:17:43,520 --> 00:17:48,310
Listen, Dave, I'm really sorry about it.
You were just the first of many.
228
00:17:48,480 --> 00:17:50,948
Mind you, they were all very good about it.
229
00:17:52,280 --> 00:17:56,717
Except one... there was just
one person who didn't quite get it.
230
00:17:56,880 --> 00:18:00,839
The bank just has to give you time
to get in all the money you're owed.
231
00:18:01,000 --> 00:18:03,514
They think they've given me
plenty of time already.
232
00:18:03,680 --> 00:18:06,831
They can't just freeze your account,
close you down!
233
00:18:07,000 --> 00:18:09,753
- They haven't got that power!
- Course they have.
234
00:18:09,920 --> 00:18:14,277
- Total power. They can do what they want.
- It's your money.
235
00:18:15,240 --> 00:18:17,435
But it isn't! That's the point.
236
00:18:17,600 --> 00:18:20,353
I haven't got any money in the bank.
237
00:18:20,520 --> 00:18:25,878
An overdraft means you have to borrow money
from them so you can operate your account.
238
00:18:27,400 --> 00:18:31,712
- It's not right. They shouldn't be doing this.
- You tell them, Audrey.
239
00:18:31,880 --> 00:18:36,510
Give them the benefit of the financial expertise
you've picked up at the old folks' home.
240
00:18:37,240 --> 00:18:41,836
- It's a senior citizens' care centre.
- I'm beginning to feel it.
241
00:18:42,480 --> 00:18:47,679
Pressure... right there... pressing down on me.
242
00:18:49,480 --> 00:18:52,870
Like one of Broutaby's humane dispatches
before they pull the trigger.
243
00:18:53,040 --> 00:18:57,318
Yeah, well... the whisky's not helping matters.
244
00:19:00,640 --> 00:19:05,031
...branch closures and a tougher approach
to business customers
245
00:19:05,200 --> 00:19:08,397
have resulted in a leaner
and more profitable bank.
246
00:19:08,560 --> 00:19:12,553
The share price has steadily risen
since Brian Balfour was made chairman.
247
00:19:12,720 --> 00:19:15,439
Increased profits have led
City analysts to speculate
248
00:19:15,600 --> 00:19:20,515
that Balfour is grooming the National Allied
for a merger with one of the larger banks.
249
00:19:20,680 --> 00:19:25,310
This is precisely the type of venture Balfour
has successfully masterminded in the past...
250
00:19:25,480 --> 00:19:27,072
Can you hear this?
251
00:19:27,240 --> 00:19:30,994
...one of the most ambitious
of a new breed of financial high-flyers.
252
00:19:31,160 --> 00:19:35,551
Meaning a huge pay-off for you
and your share options going through the roof.
253
00:19:35,720 --> 00:19:37,676
It's so obvious!
254
00:19:37,840 --> 00:19:40,229
Greedy bastard.
255
00:19:48,480 --> 00:19:51,916
Mr. Grendle, Ms. Rosser will see you now.
256
00:19:53,400 --> 00:19:58,838
�3,472.56 won't make a huge impression
on your overdraft.
257
00:19:59,000 --> 00:20:04,916
No, but it's a start. It shows there's money
coming in and more to follow very soon.
258
00:20:05,080 --> 00:20:09,949
I've spoken to our main creditor and he's agreed
to pay our invoice by the end of the week.
259
00:20:10,120 --> 00:20:13,635
- 40 grand's going in.
- End of the week's tomorrow.
260
00:20:13,800 --> 00:20:17,236
- Credits take five working days to clear.
- I know that.
261
00:20:17,400 --> 00:20:20,836
If I can show the money's been paid in,
even if it hasn't cleared,
262
00:20:21,000 --> 00:20:23,434
then you needn't freeze my account.
263
00:20:23,600 --> 00:20:26,672
Mr. Grendle, even �40,000,
welcome as it would be,
264
00:20:26,840 --> 00:20:30,389
is not going to bring you back
within your limit, let alone reduce it.
265
00:20:30,560 --> 00:20:33,074
I know that. I'm not an imbecile...
266
00:20:34,320 --> 00:20:37,790
Look, uh... I hear what you're saying...
267
00:20:39,000 --> 00:20:41,434
You must see I'm doing my best to sort this out.
268
00:20:41,600 --> 00:20:46,799
I hoped that you would acknowledge my efforts
by being patient for a little longer.
269
00:20:46,960 --> 00:20:49,030
The bank has been very patient.
270
00:20:49,200 --> 00:20:53,034
We've extended a large sum
of unsecured credit to you over a long period.
271
00:20:53,200 --> 00:20:56,078
The time has come for a little reality to set in.
272
00:20:56,240 --> 00:20:57,958
Ms. Rosser...
273
00:21:01,400 --> 00:21:06,520
...my whole business is at stake here
and the jobs of 19 people.
274
00:21:06,680 --> 00:21:08,671
If not for me, for them.
275
00:21:09,640 --> 00:21:13,918
All I'm asking is a little time
to clear the overdraft.
276
00:21:16,560 --> 00:21:20,758
- Please.
- As I say, it's really not my decision.
277
00:21:20,920 --> 00:21:23,070
Cow!
278
00:21:23,240 --> 00:21:27,995
- And we know what happens to cows, don't we?
- Especially Jim Broutaby's.
279
00:21:28,160 --> 00:21:32,312
- I couldn't get down on my knees and beg.
- You gotta retain some dignity.
280
00:21:32,480 --> 00:21:36,439
- How did you come out of there?
- With a bit of hope, actually.
281
00:21:36,600 --> 00:21:40,559
If Broutaby's 40 grand went in,
she'd give us a stay of execution.
282
00:21:41,640 --> 00:21:45,952
We had a reasonable weekend.
But then the following week...
283
00:21:51,320 --> 00:21:52,878
Hello?
284
00:22:02,000 --> 00:22:06,994
- That cow has frozen our account.
- I know. They sent a fax.
285
00:22:07,160 --> 00:22:11,039
- I'm so sorry, Ken.
- I really didn't think she'd do it.
286
00:22:11,200 --> 00:22:15,432
- Broutaby'll be putting in 40 grand.
- I phoned the branch.
287
00:22:15,600 --> 00:22:18,592
They just referred me
to the Account Management Centre.
288
00:22:18,760 --> 00:22:21,797
I eventually got through to someone
who knew nothing about it.
289
00:22:21,960 --> 00:22:25,873
They said the person dealing with it
would call me back, but they haven't.
290
00:22:26,040 --> 00:22:28,838
She's just signed our death warrant.
291
00:22:30,560 --> 00:22:32,676
What have I done to deserve this treatment?
292
00:22:32,840 --> 00:22:37,630
My company has banked here
right from the start! That's 24 years.
293
00:22:37,800 --> 00:22:41,634
- Mr. Grendle...
- And my private account since I left school.
294
00:22:41,800 --> 00:22:44,837
Doesn't that warrant any trust? Any forbearance?
295
00:22:45,000 --> 00:22:47,560
- Please calm down.
- I will not calm down!
296
00:22:47,720 --> 00:22:49,870
You are destroying my company!
297
00:22:50,040 --> 00:22:53,589
We requested that you get
within your overdraft limit.
298
00:22:53,760 --> 00:22:55,990
We've been asking for months
and all that happens
299
00:22:56,160 --> 00:23:00,278
is that you go further and further into the red.
We cannot allow that to continue.
300
00:23:00,440 --> 00:23:04,319
�40,000 went into that account
at the end of last week.
301
00:23:04,480 --> 00:23:06,755
No, Mr. Grendle, it did not.
302
00:23:09,760 --> 00:23:13,389
- No such sum was paid in.
- It was!
303
00:23:14,840 --> 00:23:17,912
- He said he had paid it.
- Ken, calm down.
304
00:23:18,080 --> 00:23:22,073
Yeah, look, there it is.
Paid when I said it was, 12th March.
305
00:23:22,240 --> 00:23:24,754
Through the bank's automated clearing system.
306
00:23:24,920 --> 00:23:31,075
There's a copy of... the fax
to the bank requesting the transfer,
307
00:23:31,240 --> 00:23:33,708
their fax to us confirming it
308
00:23:33,880 --> 00:23:38,032
and an extract from our statement
showing it left the account on that day.
309
00:23:38,200 --> 00:23:42,159
- It's been paid, mate.
- But the money never reached our account.
310
00:23:43,160 --> 00:23:46,596
Banks must have lost it. It happens.
311
00:23:46,760 --> 00:23:50,116
- Ms. Rosser's not here.
- I saw her earlier.
312
00:23:50,280 --> 00:23:53,113
She's at a customer interface symposium.
313
00:23:53,280 --> 00:23:57,034
Listen, my business account has been frozen
314
00:23:57,200 --> 00:24:01,637
and �40,000 that was paid into it
has disappeared!
315
00:24:01,800 --> 00:24:05,236
- I wouldn't know about that.
- That's why I want to talk to her!
316
00:24:05,400 --> 00:24:08,278
If your business account's been frozen,
317
00:24:08,440 --> 00:24:13,230
that's dealt with by the Account Management
Centre. I can give you their number.
318
00:24:13,400 --> 00:24:17,632
I know the bloody number. They never answer!
What about this 40 grand?
319
00:24:17,800 --> 00:24:21,839
Paid by bank transfer. Here is the paperwork!
320
00:24:22,000 --> 00:24:27,393
If you have a query on a credit, you should take
that up with the Account Management Centre.
321
00:24:27,560 --> 00:24:31,917
- They can look into it for you.
- So you can't help me here at all?
322
00:24:32,080 --> 00:24:35,675
As far as you're concerned, I'm a non-customer.
323
00:24:39,000 --> 00:24:43,073
Perry... do you care whether I live or die?
324
00:24:43,240 --> 00:24:46,630
Or indeed any of these people!
325
00:24:46,800 --> 00:24:52,432
Probably not, because you are a bank employee.
326
00:24:52,600 --> 00:24:57,469
The simple concern for your fellow man
is not a feeling you're overly troubled by, is it?
327
00:24:57,640 --> 00:24:59,517
Is it?!
328
00:25:17,880 --> 00:25:21,236
- Ken!
- Yeah.
329
00:25:21,400 --> 00:25:25,075
I've finally spoken to
the Account Management Centre.
330
00:25:25,240 --> 00:25:30,360
I've told them about the missing credit.
They've taken the details and they'll investigate.
331
00:25:30,520 --> 00:25:34,035
- How long will it take?
- They could resolve it straight away.
332
00:25:34,200 --> 00:25:36,270
Yeah, or take weeks.
333
00:25:36,440 --> 00:25:40,274
Dear old Christine.
What a tower of strength she was.
334
00:25:40,440 --> 00:25:45,036
What could we do?
Nothing coming in, no bank account,
335
00:25:45,200 --> 00:25:49,193
standing orders not being honoured
and cheques bouncing left, right and centre.
336
00:25:49,360 --> 00:25:55,117
- Did they find the missing transfer?
- What a saga that turned out to be!
337
00:25:55,280 --> 00:26:01,628
Urgh! Excuse me, there IS a record of the money
being transferred. I've got it in front of me!
338
00:26:01,800 --> 00:26:06,828
- There's no internal record of it being received.
- That isn't the same thing!
339
00:26:07,000 --> 00:26:09,639
If we didn't receive it, we can't have lost it.
340
00:26:09,800 --> 00:26:13,952
- This is a cover-up. They're blaming each other.
- Calm down.
341
00:26:14,120 --> 00:26:16,714
Look, I'm not at all happy with this.
342
00:26:16,880 --> 00:26:20,839
I want to take this up with
the Banking Ombudsman. How do I do that?
343
00:26:21,000 --> 00:26:25,994
For them to investigate, we must issue
a deadlock letter, confirming it's unresolved.
344
00:26:26,160 --> 00:26:28,310
- Right! Can you issue one?
- No.
345
00:26:28,480 --> 00:26:33,270
You're not in dispute with us. The fault is
with the customer's bank. Deal with them.
346
00:26:33,440 --> 00:26:38,309
- But I... What are you... I don't believe this!
- Ken.
347
00:26:38,480 --> 00:26:44,157
- Ken, please! Just stop!
- I'm sorry. I'm sorry.
348
00:26:44,320 --> 00:26:45,912
We tried, Dave.
349
00:26:46,080 --> 00:26:49,868
For days we tried!
They wouldn't admit they'd lost it.
350
00:26:50,040 --> 00:26:54,113
Every day our account was frozen,
the deeper we sunk into oblivion.
351
00:26:54,280 --> 00:26:56,350
Well, once word gets out...
352
00:26:56,520 --> 00:27:01,310
No, it wasn't just our creditors banging
at the door with their final demands, no.
353
00:27:02,880 --> 00:27:06,873
The killer was when the VAT
and Inland Revenue cheques bounced.
354
00:27:08,720 --> 00:27:12,190
You can go to prison for that
355
00:27:12,360 --> 00:27:17,753
You can't mess around with them blokes.
Is that when you had to lay off the staff?
356
00:27:17,920 --> 00:27:21,674
Yeah. It was heartbreaking.
The worst day of my life.
357
00:27:21,840 --> 00:27:24,673
Some of those guys
had been with me since day one.
358
00:27:24,840 --> 00:27:28,310
Almost all of them knew
they weren't going to get another job.
359
00:27:28,480 --> 00:27:30,994
I was just throwing them on the scrapheap.
360
00:27:31,160 --> 00:27:38,350
I'm just going to have to let you go...
If it's any comfort, I'm leaving with nothing, too.
361
00:27:39,480 --> 00:27:43,598
"Unless payment under your leasing agreement
is received within 10 working days,
362
00:27:43,760 --> 00:27:48,880
"we will have no option but to institute
proceedings under section 7D of the agreement
363
00:27:49,040 --> 00:27:52,032
"and take steps to reclaim
the equipment concerned."
364
00:27:52,200 --> 00:27:58,116
Don't worry about "instituting proceedings".
Just tell them to come and take the lot!
365
00:27:58,280 --> 00:28:02,353
I checked with Denholm Wade Finance.
It is as you thought.
366
00:28:02,520 --> 00:28:07,913
Oh, God. Audrey doesn't know about the loan.
367
00:28:16,240 --> 00:28:19,676
What are you doing here? What's wrong?
368
00:28:19,840 --> 00:28:24,277
Nothing. I was just passing
and I thought I'd pick you up for a change.
369
00:28:33,800 --> 00:28:40,512
They'll come for the machines... we'll surrender
the lease on the factory and that will be it.
370
00:28:40,680 --> 00:28:43,399
The end of Grendle & Co.
371
00:28:45,000 --> 00:28:50,154
It's going to be difficult. Can't manage for long
on my wages. You'll have to find a job.
372
00:28:51,640 --> 00:28:53,198
Yeah, yeah.
373
00:28:54,320 --> 00:29:02,079
There's something else... About three years ago
we took out a substantial loan.
374
00:29:02,240 --> 00:29:06,711
To fund improvements at the factory -
computers, equipment, that sort of thing.
375
00:29:08,200 --> 00:29:12,637
To get this loan,
I had to act as personal guarantor.
376
00:29:13,720 --> 00:29:21,229
If we don't make the repayments, the loan
company can come after me for the money.
377
00:29:21,400 --> 00:29:27,589
- And we've no money to give them?
- But we do have the house.
378
00:29:27,760 --> 00:29:30,354
What do you mean? They can't take our house.
379
00:29:32,320 --> 00:29:36,472
- And everything in it.
- No. They can't! That's impossible!
380
00:29:36,640 --> 00:29:42,670
It's what being a personal guarantor means.
You guarantee the loan against your house.
381
00:29:42,840 --> 00:29:45,035
I never dreamt this could happen.
382
00:29:46,000 --> 00:29:49,595
Thousands of people
have loans secured against their homes.
383
00:29:49,760 --> 00:29:54,993
- It's what domestic mortgages are.
- Oh, Ken. How could you?
384
00:29:55,160 --> 00:29:56,479
Audrey!
385
00:30:00,960 --> 00:30:02,279
Audrey!
386
00:30:30,240 --> 00:30:32,231
I shall be at Sarah's.
387
00:30:32,400 --> 00:30:35,198
If there's any possessions
the debt collectors don't take,
388
00:30:35,360 --> 00:30:37,920
let me know and I'll arrange to collect them.
389
00:30:38,080 --> 00:30:42,232
- Audrey!
- Ken, don't. Don't say anything, please.
390
00:30:42,400 --> 00:30:45,870
This all seems strangely predictable,
now I look back.
391
00:30:46,040 --> 00:30:48,998
The logical conclusion to a lifetime of...
392
00:30:51,480 --> 00:30:53,516
This is stupid.
393
00:31:11,000 --> 00:31:14,197
- Haven't seen him since a week on Friday.
- Was he all right?
394
00:31:14,360 --> 00:31:16,237
Yeah...
395
00:31:16,800 --> 00:31:21,157
- Excuse me, Dave?
- Kenny! How are you, mate?
396
00:31:21,320 --> 00:31:25,757
- Don't often see you here. You want something?
- Not for me, thanks.
397
00:31:25,920 --> 00:31:28,912
- Could we have a quick chat?
- Yeah, sure.
398
00:31:29,080 --> 00:31:32,914
- Won't be a minute. How's it going, mate?
- Don't ask.
399
00:31:33,080 --> 00:31:36,231
I bet it was rough laying off
the rest of those lads, eh?
400
00:31:36,400 --> 00:31:40,712
- I bet my name's mud in here.
- No, they know. Nobody blames you.
401
00:31:40,880 --> 00:31:46,000
- Almost nobody.
- Has the bank admitted their mistake yet?
402
00:31:47,800 --> 00:31:49,836
What do you think?
403
00:31:50,000 --> 00:31:54,994
That 40 grand has been converted into electrical
pulses and scattered round the universe.
404
00:31:55,160 --> 00:31:58,038
Can I borrow that, mate? Cheers.
405
00:31:58,200 --> 00:32:02,671
Tell you the truth, I'm past caring.
They can do what they want. Keep the money.
406
00:32:02,840 --> 00:32:06,833
They've got everything else.
I don't want to know any more.
407
00:32:07,000 --> 00:32:12,199
- Bollocks to them!
- Exactly. Listen, Dave...
408
00:32:12,360 --> 00:32:16,876
- You know the blokes here from the abattoir.
- Yeah.
409
00:32:17,040 --> 00:32:21,192
They use a humane dispatcher
that Broutaby makes, the Mark 7.
410
00:32:21,360 --> 00:32:23,476
Tasty piece of kit that.
411
00:32:25,080 --> 00:32:27,150
- Could you get me one?
- A Mark 7?
412
00:32:27,320 --> 00:32:33,156
- Yeah. I've got this old goat at home.
- Yeah, so I've heard!
413
00:32:34,840 --> 00:32:39,436
Seriously, I've had an offer
from an Indian restaurant...
414
00:32:40,240 --> 00:32:43,596
but with the foot and mouth,
it's got to be done on the quiet.
415
00:32:43,760 --> 00:32:46,752
That's why I need this humane killer
to shoot the goat.
416
00:32:46,920 --> 00:32:49,150
Can't someone do it at the restaurant?
417
00:32:49,320 --> 00:32:52,118
No, I don't want them to. It's too involved.
418
00:32:52,280 --> 00:32:56,796
I just want to deliver the carcass after dark,
and they pay me cash.
419
00:32:56,960 --> 00:32:59,713
OK. Can we give a drink to the lads?
420
00:32:59,880 --> 00:33:05,318
Of course, I'll pay, yeah. 100 quid?
You could share it with the men how you like.
421
00:33:05,480 --> 00:33:08,074
A ton? What kind of goat is it?
422
00:34:33,480 --> 00:34:36,711
Ken! Kenny!
Are you all right in there, mate?
423
00:34:39,320 --> 00:34:42,232
Come on. Open up, will you?
424
00:34:42,400 --> 00:34:44,391
Ken!
425
00:34:45,520 --> 00:34:47,511
Are you all right, mate?
426
00:34:49,000 --> 00:34:51,230
You saved my life.
427
00:34:51,400 --> 00:34:54,278
No, you did. I was really gonna do it.
428
00:34:54,440 --> 00:34:58,672
Like a bloody fool, it took me that long
to realise what you wanted the gun for.
429
00:34:58,840 --> 00:35:04,312
- That's the booze for you.
- Yeah. What a night that turned out to be!
430
00:35:09,280 --> 00:35:13,637
- Heads you lose!
- All the windows rattled then!
431
00:35:13,800 --> 00:35:16,633
I heard your teeth rattle!
432
00:35:18,160 --> 00:35:21,550
I bet you've just shot your neighbour
in the back of the head.
433
00:35:21,720 --> 00:35:24,075
They were mates of hers, weren't...
434
00:35:26,480 --> 00:35:30,359
# Here comes the bride... #
435
00:35:33,800 --> 00:35:37,588
No matter who we shot,
it was always quick and humane!
436
00:35:39,800 --> 00:35:45,989
Hey, hey, Kenny. Cushion, bank manager.
Bank manager, bank manager!
437
00:35:46,160 --> 00:35:50,631
This is such a pleasure... Die!
438
00:35:56,000 --> 00:35:59,959
Tell you what, Ken. Kenny, let's do the goat.
439
00:36:00,120 --> 00:36:03,237
Let's go out and take out old nanny, yeah?
440
00:36:03,400 --> 00:36:07,598
Dave... I lied about the goat.
441
00:36:19,080 --> 00:36:23,073
That bank destroyed me. I lost everything.
442
00:36:23,960 --> 00:36:27,316
Business... home... marriage.
443
00:36:27,480 --> 00:36:31,712
But you haven't lost your life, mate,
and that's the main thing.
444
00:36:31,880 --> 00:36:36,271
Mind you, you nearly gave 'em that,
and then they would have had everything.
445
00:36:38,800 --> 00:36:41,917
You're right. I'm alive.
446
00:36:42,080 --> 00:36:48,155
- And while I'm alive I can get back at them.
- Get back? You can't get back!
447
00:36:48,320 --> 00:36:53,713
How are you going to do that? You can't get
back at a bank! They're... whatsit? Invulnerable.
448
00:36:53,880 --> 00:36:59,352
That's not bad at this time of night, is it?
Invulernable... invuler...
449
00:37:00,160 --> 00:37:03,755
I don't know what I'm going to do
but I'm going to do something.
450
00:37:06,920 --> 00:37:13,598
I've spent my life
being reasonable, honest, law-abiding. Well...
451
00:37:13,760 --> 00:37:17,036
- Look where it got me!
- Tired and feathered!
452
00:38:16,000 --> 00:38:19,276
- Can I help?
- I want to see Ms. Rosser.
453
00:38:19,440 --> 00:38:23,194
- She's no longer with this branch.
- Where's she gone?
454
00:38:23,360 --> 00:38:28,150
- Transferred to Head Office.
- You wouldn't be lying to me, Perry?
455
00:38:28,320 --> 00:38:31,039
She isn't trying to avoid me?
456
00:38:32,400 --> 00:38:36,313
- Her successor, then. Who's taken over?
- No one, really.
457
00:38:36,480 --> 00:38:39,472
All the accounts have been transferred
to the computer centre.
458
00:38:40,480 --> 00:38:43,711
Branch closes in three weeks.
459
00:38:48,920 --> 00:38:53,277
- You weren't actually going to top her, were you?
- I might have.
460
00:38:53,440 --> 00:38:58,719
If she had come out at that moment, yeah,
I think I was angry enough to do it.
461
00:38:58,880 --> 00:39:03,192
Good job she didn't. The penalty for murdering
a bank manager is unreasonably harsh.
462
00:39:09,000 --> 00:39:11,992
She was just a small cog in a big pond.
463
00:39:12,160 --> 00:39:17,075
As the weeks dragged on,
I realised she wasn't my real target.
464
00:39:32,720 --> 00:39:39,239
After that I took a few belongings and what
was left of Audrey's and abandoned the house.
465
00:39:39,400 --> 00:39:42,153
I didn't want to be around
when the bailiffs moved in.
466
00:39:48,240 --> 00:39:52,870
My car had gone back to the leasing company
but I still had the old family estate.
467
00:39:53,040 --> 00:39:58,398
Even the bailiffs wouldn't have wanted that.
I thought I'd end up sleeping in it as well.
468
00:40:02,080 --> 00:40:07,200
Christine and Terry, they were really kind.
Made sure at least I had somewhere to live.
469
00:40:11,640 --> 00:40:13,676
This was when I reached rock bottom.
470
00:40:14,680 --> 00:40:18,832
At least when I was gonna kill myself,
I was in control.
471
00:40:19,000 --> 00:40:22,356
I was gonna carry out a positive, decisive action.
472
00:40:22,520 --> 00:40:26,115
Nah, now I was just in limbo.
473
00:40:28,080 --> 00:40:31,709
I had nothing to do and nowhere to go.
474
00:40:32,720 --> 00:40:36,793
I didn't even have the initiative
to commit suicide any more.
475
00:40:36,960 --> 00:40:40,873
It was then that I figured out
the only thing I had left,
476
00:40:41,040 --> 00:40:47,070
the only thing that could get me
out of this trough... was my anger.
477
00:40:49,240 --> 00:40:55,713
And I could only be happy -
not really happy, I mean at peace with myself -
478
00:40:55,880 --> 00:40:59,316
if I channelled it
towards doing something decisive.
479
00:41:00,800 --> 00:41:05,157
So... I channelled it toward the bank.
480
00:41:06,080 --> 00:41:08,878
The thing that had ruined my life.
481
00:41:15,160 --> 00:41:18,675
But a bank is only a formation of people.
482
00:41:19,400 --> 00:41:25,157
On whom can you take your anger out?
Cashiers? It's not really their fault.
483
00:41:25,320 --> 00:41:29,233
Ms. Rosser? Even she's just obeying orders.
484
00:41:31,000 --> 00:41:35,551
But there is someone who's responsible
for the bank's policies and actions.
485
00:41:36,360 --> 00:41:39,272
He takes the money,
the power and the privilege,
486
00:41:39,440 --> 00:41:45,231
so it follows that he must also take
the consequences:
487
00:41:45,400 --> 00:41:47,197
the chairman.
488
00:41:49,160 --> 00:41:51,151
It wasn't hard to find him.
489
00:41:51,320 --> 00:41:54,073
Balfour was on various committees and boards.
490
00:41:54,280 --> 00:41:58,068
Into opera and golf,
presumably not at the same time.
491
00:41:59,320 --> 00:42:02,232
Brian's wife was heavily into various charities.
492
00:42:02,400 --> 00:42:07,110
Estranged wife, according
to one of the gossip columns.
493
00:42:08,320 --> 00:42:12,199
Brian certainly had a track record
of turning round companies.
494
00:42:12,360 --> 00:42:15,909
He had a string of financial institutions,
insurance companies,
495
00:42:16,080 --> 00:42:18,435
pensions providers under his belt.
496
00:42:19,800 --> 00:42:23,839
Each time, he had dramatically
increased profits and share values,
497
00:42:24,000 --> 00:42:26,434
whilst lining his own pockets.
498
00:42:26,600 --> 00:42:30,593
The losers were the employees
and, of course, the customers.
499
00:42:32,880 --> 00:42:39,149
I soon had enough information
about Mr. Balfour to start detailed planning.
500
00:44:52,400 --> 00:44:55,437
- Nice shot, Brian.
- Not bad.
501
00:45:06,680 --> 00:45:08,671
Good shot, John.
502
00:46:03,560 --> 00:46:09,829
For your own comfort and safety,
Mr. Balfour, I wouldn't move. You might tip over.
503
00:46:10,560 --> 00:46:16,669
You see, you, like an overdrawn account,
have been suspended...
504
00:46:17,200 --> 00:46:19,760
over a pool of acid.
505
00:46:26,000 --> 00:46:29,913
Don't forget, it can go down as well as up.
506
00:46:30,080 --> 00:46:33,834
Listen, I don't know who you are
but I can imagine what you want.
507
00:46:34,000 --> 00:46:38,835
We have contingencies to deal
with kidnapping. All banks do.
508
00:46:39,000 --> 00:46:44,313
- It's our policy to pay the ransom, so if you...
- That's your policy, is it?
509
00:46:44,480 --> 00:46:48,996
I bet your customers don't know.
I mean, it's their money, after all.
510
00:46:49,160 --> 00:46:52,948
- I'm not sure they'd agree.
- I'll give you a number to call.
511
00:46:53,120 --> 00:46:55,873
We can really move this on very swiftly.
512
00:46:56,040 --> 00:46:58,508
- You want to call the bank?
- Yes.
513
00:46:58,680 --> 00:47:01,752
I just want to get you your money
and get out of here.
514
00:47:01,920 --> 00:47:06,436
You don't have to worry yourself about that.
This won't cost the bank a penny.
515
00:47:06,600 --> 00:47:11,720
There's no ransom involved...
because you won't be leaving here.
516
00:47:13,080 --> 00:47:17,949
What's this all about? Is it something
the bank's done or me personally?
517
00:47:18,120 --> 00:47:21,430
What do you want? If you just tell me...
518
00:47:21,600 --> 00:47:28,199
I'll tell you how it's going to work and it'll get
really boring if you keep asking why I'm doing it,
519
00:47:28,360 --> 00:47:30,510
trying to buy your way out, whatever.
520
00:47:30,680 --> 00:47:36,073
We haven't got much time...
No... You haven't got much time.
521
00:47:37,480 --> 00:47:39,710
So I'll tell you what you need to know,
522
00:47:39,880 --> 00:47:44,670
and if you ask any questions
or make any silly remarks...
523
00:47:45,840 --> 00:47:47,956
penalties will apply.
524
00:47:53,000 --> 00:47:55,912
Your life may be at risk if you don't keep quiet.
525
00:48:04,240 --> 00:48:07,277
I... I won't say anything. I'll speak when spoken to.
526
00:48:07,440 --> 00:48:13,470
Please stop it! You can't do this to a person!
You can't lower someone into a pool of acid!
527
00:48:13,640 --> 00:48:15,710
- It's inhuman!
- Sorry, Brian.
528
00:48:15,880 --> 00:48:20,078
- What did I say about making stupid remarks?
- I'm sorry.
529
00:48:21,160 --> 00:48:23,196
Sorry. Sorry.
530
00:48:23,360 --> 00:48:28,753
You can't help shooting your mouth off, can you?
Trying to take control!
531
00:48:28,920 --> 00:48:32,754
- Telling me what I can and can't do!
- Please, stop!
532
00:48:32,920 --> 00:48:37,675
And who are you to talk about what's inhuman?
533
00:48:38,440 --> 00:48:40,829
Chairman of the bank!
534
00:48:41,000 --> 00:48:46,313
The man who took over
Home Counties Building Society,
535
00:48:46,480 --> 00:48:52,430
led them into "deneutralisation",
making a fortune in share options,
536
00:48:52,600 --> 00:48:56,832
and then allowed them to be
bought out by National Allied,
537
00:48:57,000 --> 00:49:00,595
the very bank that you joined
shortly after as chairman.
538
00:49:00,760 --> 00:49:05,595
It wasn't like that. Don't believe
everything you read in the financial press.
539
00:49:05,760 --> 00:49:08,035
What about Claringdon Life, eh?
540
00:49:08,200 --> 00:49:13,797
Long established, secure... if a little undynamic.
541
00:49:13,960 --> 00:49:19,637
In you go, sack loads of the staff,
get rid of loads of the offices,
542
00:49:19,800 --> 00:49:24,828
and then you use all that money you save
on a series of aggressive takeovers
543
00:49:25,000 --> 00:49:27,036
of smaller pensions providers!
544
00:49:27,200 --> 00:49:33,639
Then huge profits
and a massive great bonus for you!
545
00:49:34,480 --> 00:49:38,519
Of course, you move on and then what?
546
00:49:38,680 --> 00:49:42,389
A downturn in the market, yeah,
547
00:49:42,560 --> 00:49:47,270
and Claringdon can't meet
its obligations to its pension holders.
548
00:49:47,440 --> 00:49:50,352
It's not my fault if there's a downturn.
549
00:49:50,520 --> 00:49:54,593
If you hadn't got your sticky fingers
into Claringdon, they'd have weathered it.
550
00:49:54,760 --> 00:49:57,558
Pure speculation, you don't know the real facts
551
00:49:57,720 --> 00:50:02,236
and I think you have
a rather na�ve view of corporate finance.
552
00:50:02,400 --> 00:50:06,109
Brian, you are really
in no position to patronise me.
553
00:50:06,280 --> 00:50:08,919
No. Sorry, sorry.
554
00:50:10,120 --> 00:50:12,156
Right!
555
00:50:12,320 --> 00:50:14,788
Now I do want you to tell me something.
556
00:50:15,800 --> 00:50:21,318
Is it the case that you initiated
a policy at National Allied
557
00:50:21,480 --> 00:50:24,074
targeting small, struggling businesses,
558
00:50:24,240 --> 00:50:31,351
weeding them out, reducing the number
of businesses surviving on overdrafts?
559
00:50:31,520 --> 00:50:33,511
Huh?
560
00:50:36,160 --> 00:50:38,435
Not sure of the answer?
561
00:50:40,160 --> 00:50:43,038
Would you like to phone a friend?
562
00:50:43,200 --> 00:50:47,398
I mean it. You can call the bank if you want.
Tell them you're all right.
563
00:50:47,560 --> 00:50:50,757
- Please.
- Sure.
564
00:50:51,320 --> 00:50:56,758
Terms and conditions apply.
Thank God for 24-hour banking, eh?
565
00:50:56,920 --> 00:51:02,119
With typical inefficiency, they haven't
got round to disconnecting the phones yet.
566
00:51:02,280 --> 00:51:06,956
That's lucky, isn't it, Brian?
Your call will be monitored.
567
00:51:09,480 --> 00:51:13,189
I tell you what, while we're waiting
for them to answer,
568
00:51:13,360 --> 00:51:16,033
I'll lower you towards the acid, all right?
569
00:51:20,640 --> 00:51:25,475
Thank you for calling
National Allied. Press zero to proceed.
570
00:51:25,640 --> 00:51:28,916
Thank you. You now have four options.
571
00:51:29,080 --> 00:51:33,995
For telephone banking, please press one.
To report card lost or stolen, press two.
572
00:51:34,160 --> 00:51:38,551
To open an account, press three.
For all other enquiries, please press four.
573
00:51:38,720 --> 00:51:44,636
I would think lowering the chairman into acid
is "all other enquiries", don't you, Brian?
574
00:51:44,800 --> 00:51:49,157
I can give you a direct line to call.
It's straight through to my office.
575
00:51:49,320 --> 00:51:55,634
That's handy, but I don't see why you shouldn't
go through the process the same as us. So...
576
00:51:57,280 --> 00:51:59,874
Thank you, you now have four further options.
577
00:52:00,040 --> 00:52:05,831
For investments and pensions, press one.
For mortgage and insurance, press two.
578
00:52:06,000 --> 00:52:11,597
For credit cards, please press three,
or for other enquiries, please press four.
579
00:52:11,760 --> 00:52:14,115
Four again, I think, wouldn't you?
580
00:52:14,280 --> 00:52:17,511
Thank you. To return
to the main menu, press one.
581
00:52:17,680 --> 00:52:23,118
To order a statement, press two. To speak to
a customer service representative, press three.
582
00:52:23,280 --> 00:52:27,512
Now, that's what we want,
a representative, a person!
583
00:52:27,680 --> 00:52:32,515
We regret that all our customer service
representatives are busy with other callers.
584
00:52:32,680 --> 00:52:38,596
Your call is important to us and is in a queue.
Please hold and you will be answered soon.
585
00:52:41,120 --> 00:52:45,159
Maddening, isn't it? At this time of night as well.
586
00:52:45,320 --> 00:52:47,356
I wonder how long it's going to take?
587
00:52:49,880 --> 00:52:55,910
Thank you for holding. Your call is important
to us and will be answered as soon as possible.
588
00:52:59,240 --> 00:53:05,156
All right! You've made your point.
For Christ's sake, man, have some pity!
589
00:53:05,320 --> 00:53:08,312
Pity? I should have pity?!
590
00:53:08,480 --> 00:53:13,429
Look, our call centre, it takes too long,
yes, to answer the phone,
591
00:53:13,600 --> 00:53:16,512
and we're all hopeless failures, but I will sort it.
592
00:53:16,680 --> 00:53:19,956
I'll double the number of operators...
quadruple them.
593
00:53:20,120 --> 00:53:23,795
Actually, I will pause it there.
594
00:53:25,120 --> 00:53:27,554
We'd better talk about this.
595
00:53:29,000 --> 00:53:30,911
You don't get it, do you?
596
00:53:31,080 --> 00:53:35,870
You can't sort it out by putting on more operators.
The problem goes deeper than that.
597
00:53:36,040 --> 00:53:41,319
You don't give a toss about customer satisfaction.
It's all about greed!
598
00:53:41,480 --> 00:53:44,119
In my case, the damage is already done.
599
00:53:44,280 --> 00:53:47,989
Nothing you could do
could recompense me for what I've lost.
600
00:53:48,160 --> 00:53:51,755
Just let me try.
Tell me what we've done to you.
601
00:53:53,080 --> 00:53:57,392
Right, that's it! I told you to just listen.
602
00:53:57,560 --> 00:54:00,870
And you can't, can you? You can't just listen.
603
00:54:01,040 --> 00:54:05,511
So... it's time for a nice hot bath.
604
00:54:05,680 --> 00:54:09,992
No, no, no, no, please, please... No, no, no...
605
00:54:10,160 --> 00:54:15,154
I'm sorry it's just pennies
that your life is being weighed against.
606
00:54:15,320 --> 00:54:19,393
I would have liked it to have been pounds
but I'm on a budget.
607
00:54:20,440 --> 00:54:25,798
Tell you what, I'll take off
all the letters we wrote to the bank.
608
00:54:25,960 --> 00:54:28,235
They never carried any weight, did they?
609
00:54:31,000 --> 00:54:34,356
I'll give you anything! A million pounds!
610
00:54:36,880 --> 00:54:40,759
I'm sorry. That would only go
part way to clearing your debt.
611
00:54:40,920 --> 00:54:42,990
I've no option but to continue.
612
00:54:43,160 --> 00:54:45,674
At the end of the day, I'm just a man.
613
00:54:45,840 --> 00:54:51,790
I'm a human... being, a husband, a father.
Think of my wife, my kids.
614
00:54:51,960 --> 00:54:55,396
Do you think I'm an idiot?
I didn't do my homework?
615
00:54:55,560 --> 00:55:01,430
You haven't got kids, and your wife left you
after you had an affair with your secretary.
616
00:55:30,800 --> 00:55:34,236
- The bugger had had a heart attack.
- No.
617
00:55:34,400 --> 00:55:39,713
Yeah. How was I to know? He looked fit enough.
Played golf twice a week.
618
00:55:39,880 --> 00:55:44,795
You weren't really going to dunk him
in that bath of acid, were you? It's a bit...
619
00:55:44,960 --> 00:55:48,714
Acid Where was I going to get that much acid?
620
00:55:50,000 --> 00:55:52,275
It was warm water and bicarb of soda.
621
00:55:55,080 --> 00:55:59,596
As the bank effectively owns this place now,
622
00:55:59,760 --> 00:56:03,753
it seems only right that you
should be one of its fixed assets.
623
00:56:05,000 --> 00:56:07,116
Only meant to scare him.
624
00:56:07,280 --> 00:56:09,999
As a matter of fact, you're scaring me.
625
00:56:10,160 --> 00:56:12,594
You can only push a man so far, Dave.
626
00:56:14,240 --> 00:56:17,277
- Oh, time is up.
- Aye.
627
00:56:17,440 --> 00:56:20,273
- How much longer have you got?
- About three months.
628
00:56:20,440 --> 00:56:22,635
Between you and me, I'll be sorry to leave.
629
00:56:22,800 --> 00:56:27,794
I really do appreciate you coming to see me.
Truly, I never get any visitors.
630
00:56:27,960 --> 00:56:32,795
Well, I feel responsible. It was that night
you talked me out of committing suicide.
631
00:56:32,960 --> 00:56:35,235
Yeah, I should never have driven home.
632
00:56:43,320 --> 00:56:47,871
I was pissed as a fart. I didn't just hit
the police car. I landed on top of it!
633
00:56:48,040 --> 00:56:51,157
I told the coppers I was
an anti-capitalist protester.
634
00:56:51,320 --> 00:56:55,393
I demanded my civil rights,
which was a cup of tea and a urine sample.
635
00:56:55,560 --> 00:56:58,552
Well, they were never known
for their sense of humour.
636
00:56:58,720 --> 00:57:00,790
- No, mate.
- Look after yourself.
637
00:57:00,960 --> 00:57:04,475
You too. Kenny, before you go,
can I have a quick word?
638
00:57:04,640 --> 00:57:05,993
Yeah.
639
00:57:06,880 --> 00:57:11,556
What happened to that humane dispatcher
after you failed to kill Ms. Rosser?
640
00:57:12,640 --> 00:57:16,428
I kept it... You never know.
641
00:57:40,920 --> 00:57:44,276
Special announcement: Home Counties Trains
642
00:57:44,440 --> 00:57:47,557
announce the cancellation
of the 15. 10 to Norwich.
643
00:57:47,720 --> 00:57:52,430
This is due to staff shortages.
We offer our sincere regrets.
644
00:58:07,280 --> 00:58:09,794
Thank you for calling Home Counties.
645
00:58:09,960 --> 00:58:13,430
All our representatives
are currently busy with other callers.
646
00:58:13,600 --> 00:58:16,751
Your call is important to us
and is held in a queue.
647
00:58:16,801 --> 00:58:21,351
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