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1
00:01:01,061 --> 00:01:04,265
Good choice. Good choice.
2
00:01:07,668 --> 00:01:09,503
See you, lads. See you later.
3
00:01:09,503 --> 00:01:10,838
Did I say saxophones?
4
00:01:10,838 --> 00:01:12,906
- Two-sophone.
- Three-sophone.
5
00:01:12,906 --> 00:01:14,242
Dave!
6
00:01:14,242 --> 00:01:17,245
- You're up.
- Whoa. No, no, no, no.
7
00:01:17,245 --> 00:01:18,812
Go on, Dave!
8
00:01:18,812 --> 00:01:20,514
Go on, get up there.
You know you want to.
9
00:01:20,514 --> 00:01:22,683
Go on, Dave!
10
00:01:22,683 --> 00:01:24,852
- Go on!
- OK!
11
00:01:27,155 --> 00:01:29,690
Alright, alright.
12
00:01:29,690 --> 00:01:31,792
Here we go.
13
00:01:38,532 --> 00:01:41,235
♪ No, I don't know
where I'm going
14
00:03:19,132 --> 00:03:20,868
- I'm fine.
15
00:03:20,868 --> 00:03:22,169
- Take care, you two.
- Take care.
16
00:03:22,169 --> 00:03:24,338
- 'Night, Eric,
- 'Night, Maureen.
17
00:03:24,338 --> 00:03:26,807
- Here you are, Dave.
- What's this?
18
00:03:26,807 --> 00:03:28,609
We got the contract.
19
00:03:28,609 --> 00:03:31,111
We're building a new sports centre!
20
00:03:31,111 --> 00:03:34,214
Mate, that is absolutely
fantastic news, eh?
21
00:03:34,214 --> 00:03:36,284
Couldn't have done it
without you, though, mate.
22
00:03:36,284 --> 00:03:37,785
This is more than what you owe.
23
00:03:37,785 --> 00:03:40,120
I thought you could hang on
to the difference for me.
24
00:03:40,120 --> 00:03:42,155
What am I supposed to do with it?
25
00:03:42,155 --> 00:03:44,492
I don't know.
Invest it or summat?
26
00:03:44,492 --> 00:03:47,060
Eric, I've told you I'm not a bloody bank.
27
00:03:47,060 --> 00:03:50,230
And I've told you, maybe you should be.
28
00:03:50,230 --> 00:03:52,433
One that helps out the locals.
29
00:03:53,934 --> 00:03:56,136
- Goodnight, Nicky.
- Night-night, Eric.
30
00:03:59,340 --> 00:04:01,309
- So, what do you think?
31
00:04:01,309 --> 00:04:02,810
About what?
32
00:04:02,810 --> 00:04:04,645
This bank thing.
33
00:04:04,645 --> 00:04:07,080
Well, last time I checked,
you sold minibuses.
34
00:04:07,080 --> 00:04:09,483
Yeah, I know, but, you know, a bank
35
00:04:09,483 --> 00:04:11,319
that serves the whole community.
36
00:04:11,319 --> 00:04:13,654
- You as a banker?
37
00:04:13,654 --> 00:04:15,823
Well, you didn't go to Eton,
38
00:04:15,823 --> 00:04:19,360
you didn't... didn't go to
Oxford, you don't talk posh.
39
00:04:19,360 --> 00:04:21,595
Do you really think
you could take them buggers on
40
00:04:21,595 --> 00:04:23,163
at their own game?
41
00:04:23,163 --> 00:04:25,633
I suppose when you put it like that...
42
00:04:27,034 --> 00:04:29,002
makes me really want to give it a go.
43
00:04:29,002 --> 00:04:30,203
Mmm.
44
00:04:30,203 --> 00:04:32,440
Well, I'd put my money
in the Bank of Dave.
45
00:04:32,440 --> 00:04:34,442
- Would you?
- Yeah.
46
00:04:34,442 --> 00:04:36,109
- Come on, then.
47
00:05:10,978 --> 00:05:12,212
Yes?
48
00:05:12,212 --> 00:05:14,582
OK, I'll be straight in.
49
00:05:20,253 --> 00:05:22,289
No!
50
00:05:23,290 --> 00:05:24,892
Morning, Hugh.
- Morning.
51
00:05:24,892 --> 00:05:27,495
How did it go with the
investment bankers last night?
52
00:05:27,495 --> 00:05:29,897
Um, I can safely say it
couldn't have gone much worse.
53
00:05:29,897 --> 00:05:31,264
Poorly, I would say.
54
00:05:31,264 --> 00:05:32,733
What do you call 1,000 dead bankers
55
00:05:32,733 --> 00:05:34,101
at the bottom of the sea?
56
00:05:34,101 --> 00:05:36,169
- A good start.
57
00:05:36,169 --> 00:05:37,738
I thought it was lawyers.
58
00:05:37,738 --> 00:05:39,773
Used to be, but we've been usurped.
59
00:05:39,773 --> 00:05:41,241
Oh.
- Right.
60
00:05:41,241 --> 00:05:43,411
We just got a referral
from Elliot, Grossman, Stein.
61
00:05:43,411 --> 00:05:44,912
They say they can't take the case
62
00:05:44,912 --> 00:05:46,580
because of a conflict of interest.
63
00:05:46,580 --> 00:05:48,015
When has that ever stopped them?
64
00:05:48,015 --> 00:05:49,617
Right.
65
00:05:49,617 --> 00:05:52,085
So, a man wants to open a bank.
66
00:05:52,085 --> 00:05:54,121
Is this the start of another joke?
67
00:05:54,121 --> 00:05:55,856
- This is the case.
- No.
68
00:05:55,856 --> 00:05:57,625
The Financial Regulations Board
69
00:05:57,625 --> 00:05:59,860
haven't approved a new bank
in, what, a century.
70
00:05:59,860 --> 00:06:01,261
Century and a half.
71
00:06:01,261 --> 00:06:02,630
OK, who's the man?
72
00:06:02,630 --> 00:06:04,765
He's from Burnley.
It's somewhere up north.
73
00:06:04,765 --> 00:06:06,266
Yeah, I've heard of Burnley.
74
00:06:06,266 --> 00:06:08,135
I think they've got
a football side or something.
75
00:06:08,135 --> 00:06:11,705
- So he's a banker?
- He sells vans, I think.
76
00:06:11,705 --> 00:06:14,274
Um, I don't know what
he wants us to do, Clarence.
77
00:06:14,274 --> 00:06:15,609
We're lawyers, Hugh.
78
00:06:15,609 --> 00:06:17,445
We're on the side of those paying us.
79
00:06:17,445 --> 00:06:18,712
Even if they're guilty.
80
00:06:18,712 --> 00:06:20,881
- And if they're delusional?
- Even better.
81
00:06:20,881 --> 00:06:23,717
This chap needs our expert legal advice.
82
00:06:23,717 --> 00:06:26,454
He needs us to submit
the necessary forms for him,
83
00:06:26,454 --> 00:06:28,489
he needs us to guide him
through the labyrinth
84
00:06:28,489 --> 00:06:30,057
of financial rules and regulations.
85
00:06:30,057 --> 00:06:31,459
Right into a brick wall.
86
00:06:31,459 --> 00:06:33,627
And we need to cover ourselves
by telling him
87
00:06:33,627 --> 00:06:35,829
about potential pitfalls of the scheme.
88
00:06:36,864 --> 00:06:39,800
Anyway, I said you'd head up there today.
89
00:06:39,800 --> 00:06:42,470
What? To Burnley?!
90
00:06:42,470 --> 00:06:43,971
Uh-huh.
91
00:06:43,971 --> 00:06:47,475
No. Come on, Clarence.
That's a bit much, isn't it?
92
00:06:47,475 --> 00:06:49,477
This isn't going to amount to anything.
93
00:06:49,477 --> 00:06:51,979
You're the one who told me
never to stray outside the M25.
94
00:06:51,979 --> 00:06:53,313
This is...
95
00:06:53,313 --> 00:06:54,982
Under normal circumstances,
those are the rules,
96
00:06:54,982 --> 00:06:57,585
but having just signed off
on your expenses
97
00:06:57,585 --> 00:07:00,320
that yielded precisely zero in billing
98
00:07:00,320 --> 00:07:01,989
from the investment bankers,
99
00:07:01,989 --> 00:07:03,591
there's another applicable
expression in this case.
100
00:07:03,591 --> 00:07:05,325
Which is?
101
00:07:05,325 --> 00:07:07,961
Beggars can't be choosers.
102
00:07:09,396 --> 00:07:10,664
Great.
103
00:07:21,408 --> 00:07:23,010
Burnley.
104
00:07:23,010 --> 00:07:24,344
Burnley.
105
00:07:24,344 --> 00:07:26,013
Burn-ley.
106
00:07:26,013 --> 00:07:28,381
I look for Burnley.
107
00:07:28,381 --> 00:07:30,183
Burnley.
108
00:07:30,183 --> 00:07:32,520
Is that how they speak
in Burnley? Burnley.
109
00:07:32,520 --> 00:07:34,622
"That'll do, pig. That'll do."
110
00:07:34,622 --> 00:07:37,190
"That'll do, pig.
That'll do."
111
00:07:37,190 --> 00:07:40,193
That's how they speak here,
isn't it, in Burnley? Burnley.
112
00:07:40,193 --> 00:07:43,296
Yeah. I don't know how they
speak in Burnley, actually.
113
00:07:52,405 --> 00:07:53,641
Quite sweet.
114
00:07:53,641 --> 00:07:55,408
Like a bread advert.
115
00:07:55,408 --> 00:07:59,312
Or a, um... story
about a clever pig.
116
00:08:11,759 --> 00:08:13,561
Come on, please.
117
00:08:13,561 --> 00:08:16,163
Bollocks! Does nothing work
north of Watford?
118
00:08:18,331 --> 00:08:20,768
Oh. Hey!
119
00:08:20,768 --> 00:08:23,270
Uh, sorry. Hey, hi.
How you doing?
120
00:08:23,270 --> 00:08:25,573
Um, yeah, I was wondering
if you could help me.
121
00:08:25,573 --> 00:08:27,107
I'm looking for Finsley Gate.
122
00:08:28,108 --> 00:08:29,242
No?
123
00:08:29,242 --> 00:08:31,411
Uh, Fishwick Motors?
124
00:08:31,411 --> 00:08:34,114
- Ah. Dave's place?
- Yeah, Dave's place.
125
00:08:34,114 --> 00:08:35,683
- Yeah.
- Right.
126
00:08:35,683 --> 00:08:37,918
Well, get this end
turned in t'other direction.
127
00:08:37,918 --> 00:08:41,922
Straight on past Tesco Metro,
four down on t'left.
128
00:08:41,922 --> 00:08:45,192
Right over t'main road,
and Dave's is on t'right.
129
00:08:45,192 --> 00:08:46,760
Sorry?
130
00:08:46,760 --> 00:08:48,962
Get this end turned in t'other direction.
131
00:08:48,962 --> 00:08:52,032
- Straight on past Tesco Metro.
- Tesco.
132
00:08:52,032 --> 00:08:53,967
Four down on t'left.
133
00:08:53,967 --> 00:08:55,435
Right over t'main road.
134
00:08:55,435 --> 00:08:57,504
- And Dave's is on t'right.
- Yeah.
135
00:08:59,139 --> 00:09:00,741
Alright, thank you.
136
00:09:03,110 --> 00:09:04,645
Thank you.
137
00:09:09,983 --> 00:09:11,451
Bloody Londoners.
138
00:09:17,290 --> 00:09:18,792
What was he saying?
139
00:09:38,511 --> 00:09:39,947
Christ.
140
00:09:46,353 --> 00:09:47,855
- Hello.
- Hello.
141
00:09:47,855 --> 00:09:51,659
Um, I need to see, uh, Mr Fishwick.
142
00:09:51,659 --> 00:09:53,160
Yeah, he's just upstairs, that way.
143
00:09:53,160 --> 00:09:54,695
OK, thank you.
144
00:10:00,367 --> 00:10:03,270
Hello. I'm Dave.
How can I help you?
145
00:10:03,270 --> 00:10:06,373
Hi. Uh, Hugh Stockwell from
Bentham and Green Solicitors.
146
00:10:06,373 --> 00:10:07,941
Ah, Hugh, you made it!
147
00:10:07,941 --> 00:10:10,510
Great. Take a load off.
How were your journey?
148
00:10:10,510 --> 00:10:12,545
Yes, fine, fine.
Shall we just get...
149
00:10:12,545 --> 00:10:14,848
Great.
- Straight to it, shall we?
150
00:10:14,848 --> 00:10:16,850
- Sounds good to me.
- Yes.
151
00:10:16,850 --> 00:10:18,218
So...
152
00:10:18,218 --> 00:10:21,689
I understand that you
would like... to open a bank.
153
00:10:21,689 --> 00:10:23,456
That's right.
154
00:10:23,456 --> 00:10:26,059
The Bank of Dave.
155
00:10:26,059 --> 00:10:30,197
That's... That's...
It's catchy. Very catchy.
156
00:10:30,197 --> 00:10:33,033
So, uh, tell me,
how did this idea come about?
157
00:10:33,033 --> 00:10:35,803
Right, so, as you can see,
I sell minibuses.
158
00:10:35,803 --> 00:10:37,871
- Yes.
- I used to sell vans.
159
00:10:37,871 --> 00:10:39,472
I've got seven of these dealerships
160
00:10:39,472 --> 00:10:41,408
across Lancashire and Yorkshire,
161
00:10:41,408 --> 00:10:44,745
and, uh, well, I won't deny it,
I make good money.
162
00:10:44,745 --> 00:10:47,047
Now, a couple of year back,
the country were in recession,
163
00:10:47,047 --> 00:10:50,317
and, uh, my customers were
havin' problems making payments.
164
00:10:50,317 --> 00:10:52,585
So I started lending them me own money.
165
00:10:52,585 --> 00:10:54,054
OK.
166
00:10:54,054 --> 00:10:55,923
And pretty soon,
I were making loans to families
167
00:10:55,923 --> 00:10:58,391
and small businesses in the local area.
168
00:10:58,391 --> 00:10:59,893
Why didn't they go to the banks?
169
00:10:59,893 --> 00:11:01,428
They couldn't.
170
00:11:01,428 --> 00:11:04,064
For all sorts of reasons,
the banks wouldn't touch 'em.
171
00:11:04,064 --> 00:11:05,165
OK.
172
00:11:05,165 --> 00:11:06,734
Don't get me started on those buggers.
173
00:11:06,734 --> 00:11:09,602
- What? The banks?
- They caused the recession.
174
00:11:09,602 --> 00:11:11,338
Speculating,
175
00:11:11,338 --> 00:11:13,406
treating the economy
like it were a bloody casino.
176
00:11:13,406 --> 00:11:14,908
Yeah.
177
00:11:14,908 --> 00:11:16,910
Got greedier and greedier.
178
00:11:16,910 --> 00:11:20,413
Until the whole house of cards
came tumbling down.
179
00:11:20,413 --> 00:11:22,249
And then the government bailed them out.
180
00:11:22,249 --> 00:11:24,617
With billions of pounds of tax money.
181
00:11:24,617 --> 00:11:26,586
It came from the pockets
182
00:11:26,586 --> 00:11:28,188
of the same people whose money they lost.
183
00:11:28,188 --> 00:11:31,291
Hmm. Not their finest hour,
that's for sure.
184
00:11:31,291 --> 00:11:33,260
- Bloody right.
- You were... Yeah.
185
00:11:33,260 --> 00:11:35,362
- That's not the worst of it.
- No.
186
00:11:35,362 --> 00:11:36,764
Then the top dogs
187
00:11:36,764 --> 00:11:39,767
decide to keep paying themselves
millions in bonuses.
188
00:11:39,767 --> 00:11:42,269
- For losing money.
- I know, but...
189
00:11:42,269 --> 00:11:43,636
- Bunch of tossers.
- But...
190
00:11:43,636 --> 00:11:45,305
They should all be in jail.
191
00:11:45,305 --> 00:11:47,775
Yeah, but back to the loans you
were making, you were saying...
192
00:11:47,775 --> 00:11:49,276
Right.
193
00:11:49,276 --> 00:11:52,780
So, I lent out, well,
just over a million quid.
194
00:11:52,780 --> 00:11:54,114
A million pounds.
195
00:11:54,114 --> 00:11:57,417
Can you guess how many
of those loans went bad?
196
00:11:58,651 --> 00:12:01,154
Oh, I... Seven?
197
00:12:01,154 --> 00:12:02,856
Try again, Hugh.
198
00:12:02,856 --> 00:12:05,125
- Three, I mean, I don't...
- Warmer.
199
00:12:05,125 --> 00:12:06,626
Not a single one.
200
00:12:06,626 --> 00:12:08,996
- Wow.
- Zip-a-de-doo-dah.
201
00:12:08,996 --> 00:12:11,531
In fact, some of me customers
started making money.
202
00:12:11,531 --> 00:12:13,500
And they asked me to invest it for 'em.
203
00:12:13,500 --> 00:12:15,135
For which you need accreditation.
204
00:12:15,135 --> 00:12:16,804
Spot-on, Hugh.
205
00:12:16,804 --> 00:12:18,305
- That's why you're here.
- Yes.
206
00:12:18,305 --> 00:12:21,308
Uh, one last thing. This isn't
about me making money.
207
00:12:21,308 --> 00:12:22,843
Every single penny of profit
208
00:12:22,843 --> 00:12:25,078
goes straight to local charities.
209
00:12:25,078 --> 00:12:27,547
Oh, that's... That's, um...
210
00:12:28,615 --> 00:12:31,852
It's charitable, isn't it?
That's... Yeah, great.
211
00:12:33,020 --> 00:12:34,822
You don't look very convinced, Hugh.
212
00:12:34,822 --> 00:12:37,690
Um, no, it's...
I don't have any...
213
00:12:37,690 --> 00:12:40,093
You're not paying me to tell you
what you want to hear.
214
00:12:40,093 --> 00:12:41,694
You're paying me to...
215
00:12:41,694 --> 00:12:44,764
point out all the pitfalls
and stumbling blocks
216
00:12:44,764 --> 00:12:46,666
and problems you are going to face.
217
00:12:46,666 --> 00:12:48,601
Ah, and hopefully
to find a way around 'em.
218
00:12:48,601 --> 00:12:50,037
Yeah.
219
00:12:51,238 --> 00:12:53,440
Right, so, uh, firstly I'm going to need
220
00:12:53,440 --> 00:12:55,042
to see the paperwork of those loans
221
00:12:55,042 --> 00:12:56,543
and the financials of your businesses.
222
00:12:56,543 --> 00:12:58,511
Yep. Phyllis has got
all that ready for you.
223
00:12:58,511 --> 00:13:01,614
Great. I'll talk to Phyllis
and then get back to you.
224
00:13:01,614 --> 00:13:03,783
Nine o'clock, here tomorrow morning?
225
00:13:03,783 --> 00:13:05,018
Tomorrow?
226
00:13:05,018 --> 00:13:06,453
Uh, yes, OK.
227
00:13:06,453 --> 00:13:08,221
- Yes.
- Great to meet you, Hugh.
228
00:13:10,057 --> 00:13:11,724
Great.
229
00:13:11,724 --> 00:13:13,160
Welcome to Burnley.
230
00:13:14,161 --> 00:13:15,728
Thank you, Your Worship.
231
00:13:18,966 --> 00:13:21,969
In order to relieve pressure
232
00:13:21,969 --> 00:13:24,371
on both hospitals and GPs,
233
00:13:24,371 --> 00:13:26,373
we need to find a way to bridge the gap
234
00:13:26,373 --> 00:13:28,575
between primary and tertiary care.
235
00:13:28,575 --> 00:13:30,143
Hear, hear.
236
00:13:30,143 --> 00:13:32,045
This proposed facility does that
237
00:13:32,045 --> 00:13:34,915
in the most efficient and economical way.
238
00:13:34,915 --> 00:13:37,084
Dr Ashforth,
239
00:13:37,084 --> 00:13:41,388
shouldn't the NHS be the ones
to fund this facility?
240
00:13:41,388 --> 00:13:42,555
Well, yes.
241
00:13:42,555 --> 00:13:44,057
The National Health Service has agreed
242
00:13:44,057 --> 00:13:45,993
to fund the running costs of the facility,
243
00:13:45,993 --> 00:13:48,728
but we still need
the initial capital outlay.
244
00:13:48,728 --> 00:13:50,563
Which is considerable!
245
00:13:50,563 --> 00:13:52,332
And our limited resources
246
00:13:52,332 --> 00:13:54,234
are already committed in other areas.
247
00:13:54,234 --> 00:13:55,768
- Well...
248
00:13:55,768 --> 00:13:58,771
Look, Burnley has already earned
the dubious distinction
249
00:13:58,771 --> 00:14:01,942
of being one of the most
deprived towns in the country.
250
00:14:01,942 --> 00:14:05,678
I mean, we're caught in a spiral
of neglect and decay.
251
00:14:05,678 --> 00:14:08,115
I mean, clearly something has to change.
252
00:14:10,150 --> 00:14:12,419
But change takes courage
253
00:14:12,419 --> 00:14:16,023
and that's a quality
sadly lacking in this council,
254
00:14:16,023 --> 00:14:17,757
and in this country.
255
00:14:22,429 --> 00:14:25,132
I just can't believe
I have to stay for the night.
256
00:14:25,132 --> 00:14:26,633
You'll survive.
257
00:14:26,633 --> 00:14:29,769
I mean, starting a new bank,
he doesn't have a hope!
258
00:14:29,769 --> 00:14:32,472
I told him that, but he wanted
the chance to convince you.
259
00:14:32,472 --> 00:14:35,108
- How much are we charging him?
- The full whack.
260
00:14:35,108 --> 00:14:37,644
Oh, no, we're not, are we?
261
00:14:37,644 --> 00:14:39,779
God, I feel bad.
262
00:14:39,779 --> 00:14:41,548
Ha! That's a first.
263
00:14:41,548 --> 00:14:43,383
No, I do. I do.
264
00:14:43,383 --> 00:14:45,218
I feel bad I'm gonna have to tell him
265
00:14:45,218 --> 00:14:46,719
to give up on the whole thing.
266
00:14:46,719 --> 00:14:47,988
Well, my advice is
267
00:14:47,988 --> 00:14:49,622
let him down gently
268
00:14:49,622 --> 00:14:52,225
and then see if he's willing
to explore other opportunities.
269
00:14:52,225 --> 00:14:55,395
Yeah. Yeah, I guess...
270
00:14:55,395 --> 00:14:57,797
- OK, thank you.
- Alright. 'Bye, Hugh.
271
00:14:57,797 --> 00:14:58,831
'Bye.
272
00:15:08,775 --> 00:15:10,043
Bollocks.
273
00:15:11,844 --> 00:15:13,813
Bollocks.
274
00:15:13,813 --> 00:15:15,815
Stupid, stupid...
275
00:15:17,750 --> 00:15:20,820
What's he doing, Dad?
276
00:15:20,820 --> 00:15:22,489
You alright there, mate?
- Huh?!
277
00:15:22,489 --> 00:15:26,359
- Are you...
- Yeah, I'm fine, thank you.
278
00:15:27,360 --> 00:15:28,695
Come on, then.
279
00:15:31,631 --> 00:15:33,533
- Gee...
280
00:15:34,701 --> 00:15:36,436
Bollocks!
281
00:15:40,473 --> 00:15:42,175
Oh, my God.
282
00:15:48,881 --> 00:15:50,383
Hey, hey, sorry.
283
00:15:50,383 --> 00:15:52,852
I was just wondering when
I'm gonna get to see a doctor.
284
00:15:52,852 --> 00:15:55,222
- I'm in quite a lot of pain.
- It won't be too long.
285
00:15:55,222 --> 00:15:56,723
I'm afraid it's been a busy night.
286
00:15:56,723 --> 00:15:58,191
Don't know if this makes a difference,
287
00:15:58,191 --> 00:16:00,193
but I've got...
a private health care plan.
288
00:16:00,193 --> 00:16:01,294
- What?
289
00:16:01,294 --> 00:16:02,729
Hear that, Dr Ashforth?
290
00:16:02,729 --> 00:16:04,531
He's got a private health care plan.
291
00:16:04,531 --> 00:16:06,033
- Oh, well...
Oh!
292
00:16:06,033 --> 00:16:08,135
Well, wouldn't say that too loud.
293
00:16:08,135 --> 00:16:09,569
Round here we tend to believe
294
00:16:09,569 --> 00:16:11,138
that health is a basic human right,
295
00:16:11,138 --> 00:16:13,806
not a privilege available
to only those who can afford it.
296
00:16:13,806 --> 00:16:16,076
No, no, I'm not... I'm not
negating anybody else's pain.
297
00:16:16,076 --> 00:16:17,910
I'm just saying I'm in pain also, OK?
298
00:16:17,910 --> 00:16:19,379
I've dropped a...
299
00:16:19,379 --> 00:16:22,549
a, uh, a car thing on my foot, OK?
300
00:16:22,549 --> 00:16:24,651
- Well, that was careless.
- Excuse me?
301
00:16:24,651 --> 00:16:26,886
Michelle, would you, uh,
give him some aspirin?
302
00:16:26,886 --> 00:16:28,355
Wait your turn.
303
00:16:39,132 --> 00:16:40,833
Oh, dear.
304
00:16:40,833 --> 00:16:43,170
- What's happened?
Oh, nothing. Just a...
305
00:16:44,471 --> 00:16:47,274
an accident changing a flat tyre.
306
00:16:47,274 --> 00:16:51,111
- Anything broken?
- Thankfully, no. Just my pride.
307
00:16:51,111 --> 00:16:53,913
You muppet.
Is the car still there?
308
00:16:53,913 --> 00:16:56,015
Yes.
309
00:16:56,015 --> 00:16:58,618
I'll have one of the lads get
it sorted, brought back here.
310
00:16:58,618 --> 00:17:00,187
Thank you.
311
00:17:05,625 --> 00:17:07,794
- Fancy a brew?
- Uh, no, thank you.
312
00:17:07,794 --> 00:17:12,265
Uh, look, Dave, I know I said yesterday
313
00:17:12,265 --> 00:17:16,869
that it was my job to look for
all the problems and pitfalls.
314
00:17:16,869 --> 00:17:17,970
Um...
315
00:17:19,239 --> 00:17:21,608
but, actually, it's a
bit worse than that, because...
316
00:17:21,608 --> 00:17:23,443
Yeah. I know what
you're gonna say.
317
00:17:23,443 --> 00:17:25,312
I know you're gonna tell me
that the Bank of Dave
318
00:17:25,312 --> 00:17:26,613
is never gonna happen.
319
00:17:26,613 --> 00:17:28,281
You're gonna say
320
00:17:28,281 --> 00:17:30,683
that the Financial Regulation Board
321
00:17:30,683 --> 00:17:33,220
hasn't approved a new bank in 150 years.
322
00:17:33,220 --> 00:17:35,455
- Am I right?
- Yeah.
323
00:17:35,455 --> 00:17:37,490
Yeah. We got Google
up here too, you know.
324
00:17:38,491 --> 00:17:41,661
But, please, indulge me, hmm?
325
00:17:41,661 --> 00:17:43,230
Just for a day.
326
00:17:44,331 --> 00:17:46,499
There is method in me madness.
327
00:17:47,500 --> 00:17:49,702
- I promise.
- OK.
328
00:17:49,702 --> 00:17:51,471
Second loan I made were to Jamie.
329
00:17:51,471 --> 00:17:52,639
- OK.
330
00:17:52,639 --> 00:17:54,474
Come out here one morning, it were quiet.
331
00:17:54,474 --> 00:17:56,008
- His amp had packed up.
- Ah.
332
00:17:56,008 --> 00:17:57,510
- That's how he made a living.
- Of course.
333
00:17:57,510 --> 00:17:59,546
But with no bank account, no address,
334
00:17:59,546 --> 00:18:01,548
where were he supposed to turn?
335
00:18:01,548 --> 00:18:04,817
So I got him a new one and he
paid me back two quid a week.
336
00:18:04,817 --> 00:18:07,019
- Two quid...
- Never missed a single payment.
337
00:18:07,019 --> 00:18:09,189
- Good on you, Jamie.
338
00:18:09,189 --> 00:18:11,558
Eh up, Dave. You alright?
339
00:18:13,160 --> 00:18:14,727
Sorry, I haven't...
340
00:18:14,727 --> 00:18:17,664
I want you to meet some more
of the people this is all about.
341
00:18:20,667 --> 00:18:22,335
Come on, Eric.
Give me the big reveal.
342
00:18:22,335 --> 00:18:24,171
- Have a look at that.
- Ta-da!
343
00:18:24,171 --> 00:18:26,439
It's gonna be great
for the community, this.
344
00:18:26,439 --> 00:18:28,541
You swim, man?
Basketball, cycling.
345
00:18:28,541 --> 00:18:30,009
Which one are you?
346
00:18:30,009 --> 00:18:32,445
It sounds stupid, don't it?
It sounds stupid.
347
00:18:32,445 --> 00:18:34,714
A barge builder at top of a hill
in Ribble Valley.
348
00:18:34,714 --> 00:18:36,349
- But he's got one of the most...
- OK.
349
00:18:36,349 --> 00:18:37,717
Successful barge-building
companies in the country.
350
00:18:37,717 --> 00:18:39,352
You dream up your favourite
boat, he'll build it.
351
00:18:39,352 --> 00:18:40,387
Yeah.
352
00:18:40,387 --> 00:18:42,689
OK, lads. You gonna wow us?
353
00:18:42,689 --> 00:18:44,591
Take hold of that.
OK, thank you.
354
00:18:44,591 --> 00:18:47,794
- OK, sir. Cheers to you, Hugh.
- I'm spoiled. OK. Cheers.
355
00:18:47,794 --> 00:18:49,696
- To us all.
- Cheers.
356
00:18:53,200 --> 00:18:54,634
Oh, that's a proper drop, isn't it?
357
00:18:54,634 --> 00:18:55,735
Yeah, it's good.
358
00:18:55,735 --> 00:18:57,470
That's really nice.
Yeah.
359
00:18:57,470 --> 00:18:58,738
- This is my favourite.
- OK.
360
00:18:58,738 --> 00:19:00,607
This is gentle.
This is the coconut.
361
00:19:00,607 --> 00:19:02,041
Gentle's good.
362
00:19:02,041 --> 00:19:03,710
Want a bit more? The Goan.
363
00:19:03,710 --> 00:19:05,312
Very nice.
364
00:19:05,312 --> 00:19:07,314
Now you're gonna have some of this.
365
00:19:07,314 --> 00:19:09,582
- Delicious!
- This is the mild one?
366
00:19:09,582 --> 00:19:12,051
- Have a bit of naan with it.
- Yeah, why not? Thank you.
367
00:19:12,051 --> 00:19:13,386
Thank you.
368
00:19:13,386 --> 00:19:15,222
You make these as well, don't you?
369
00:19:15,222 --> 00:19:16,723
Yeah.
- It's... I...
370
00:19:16,723 --> 00:19:19,226
- It's to the highest standards.
- Yeah.
371
00:19:19,226 --> 00:19:21,261
- Good to know. I mean, I...
- It's all vegan.
372
00:19:21,261 --> 00:19:22,729
Not tested on the animals. Here.
373
00:19:22,729 --> 00:19:24,564
- That's good.
- Try some of this.
374
00:19:24,564 --> 00:19:26,233
- Have a squirt of this.
- Need a good quantity.
375
00:19:26,233 --> 00:19:28,235
Shocking blue, but, uh...
Have a smell.
376
00:19:28,235 --> 00:19:30,102
Yeah. Rub it round. It's nice.
377
00:19:30,102 --> 00:19:32,572
That scent will stay with you
for the rest of the day.
378
00:19:32,572 --> 00:19:34,140
I put it on some of my horses.
379
00:19:34,140 --> 00:19:36,309
This lady's an artist, I tell you.
380
00:19:36,309 --> 00:19:38,245
Anyone to apologise to?
Say sorry to the wife?
381
00:19:38,245 --> 00:19:39,846
- Thank you.
- Have you got a wife?
382
00:19:39,846 --> 00:19:43,082
Afternoon, all. Two
black coffees, please, Jenny.
383
00:19:43,082 --> 00:19:44,684
Oh, actually, can I have a macchiato?
384
00:19:44,684 --> 00:19:46,085
Aha! There she is!
My favourite niece.
385
00:19:46,085 --> 00:19:47,920
- Hiya, Dave.
Hey. How are you?
386
00:19:47,920 --> 00:19:49,322
- I'm good. How are you?
Smashing.
387
00:19:49,322 --> 00:19:50,823
Oh, shit. Hi.
388
00:19:50,823 --> 00:19:52,592
Ah! Should've known
you were Dave's banker.
389
00:19:52,592 --> 00:19:54,927
Yeah, I'm a lawyer, actually, but, yeah...
390
00:19:54,927 --> 00:19:57,129
How's the... the bruised big toe?
391
00:19:57,129 --> 00:19:59,699
Oh, it's a bit more than
bruised, but, yeah, it's OK.
392
00:19:59,699 --> 00:20:01,301
You two have met already, have you?
393
00:20:01,301 --> 00:20:02,635
- Yes.
- Yeah.
394
00:20:02,635 --> 00:20:05,438
Hugh's advising me on setting up
this Bank of Dave.
395
00:20:05,438 --> 00:20:08,608
Which we need to get
our project off the ground.
396
00:20:08,608 --> 00:20:10,443
- Hmm.
- Sorry, what is that?
397
00:20:10,443 --> 00:20:12,812
You know all about waiting times at the A
398
00:20:12,812 --> 00:20:15,815
And here, they're actually some
of the worst in the country,
399
00:20:15,815 --> 00:20:17,450
and it's because the people we deal with
400
00:20:17,450 --> 00:20:19,319
don't actually need hospital treatment.
401
00:20:19,319 --> 00:20:20,553
I mean, their ailments
402
00:20:20,553 --> 00:20:22,822
could just as easily be treated by GPs,
403
00:20:22,822 --> 00:20:26,459
but it takes, on average,
11 days to get an appointment.
404
00:20:26,459 --> 00:20:30,297
And, well, no-one wants to wait
that long when they're sick.
405
00:20:30,297 --> 00:20:34,367
So, we're proposing a walk-in free clinic.
406
00:20:34,367 --> 00:20:37,169
They can write prescriptions,
407
00:20:37,169 --> 00:20:40,139
run diagnostic tests, make referrals.
408
00:20:40,139 --> 00:20:41,708
Sounds like a good idea.
409
00:20:41,708 --> 00:20:44,377
Don't it?
- Yeah. Well, the NHS agrees.
410
00:20:44,377 --> 00:20:46,646
But they've already
been pared to the bone.
411
00:20:46,646 --> 00:20:48,348
And the council weren't interested,
412
00:20:48,348 --> 00:20:50,216
so thought I'd try Dave.
413
00:20:50,216 --> 00:20:52,352
You know, if you were
to register as a charity,
414
00:20:52,352 --> 00:20:54,854
that'd be a huge incentive
for corporate sponsors.
415
00:20:54,854 --> 00:20:57,657
I mean, I know it's corporate, but...
416
00:20:57,657 --> 00:21:00,993
No, that... Yeah, that makes
a lot of sense, actually.
417
00:21:02,028 --> 00:21:04,263
- Oh. Sorry, I'm on call.
- Oh, right.
418
00:21:04,263 --> 00:21:05,498
- Got to run.
- OK.
419
00:21:05,498 --> 00:21:08,000
- I'll... I'll leave that there.
- Great.
420
00:21:08,000 --> 00:21:10,002
- Well, nice to...
Yeah.
421
00:21:10,002 --> 00:21:11,938
Look after that bruised big toe,
won't you?
422
00:21:11,938 --> 00:21:13,840
Yes, I will.
It's fine now, actually.
423
00:21:13,840 --> 00:21:16,108
Not completely fine, but...
424
00:21:16,108 --> 00:21:17,377
- Right.
- Yeah.
425
00:21:17,377 --> 00:21:18,911
- See you, Dave.
See you.
426
00:21:22,615 --> 00:21:24,250
- Thanks.
No, problem, Alex.
427
00:21:24,250 --> 00:21:25,885
- So, she's...
428
00:21:27,387 --> 00:21:29,889
What's all this?
429
00:21:29,889 --> 00:21:32,392
All the projects that are
too big for me on me own.
430
00:21:34,827 --> 00:21:36,262
Um...
431
00:21:36,262 --> 00:21:39,699
Up till now, I've helped create 150 jobs.
432
00:21:39,699 --> 00:21:42,369
- Yeah.
- In here, there's hundreds more.
433
00:21:42,369 --> 00:21:44,737
- Yeah, look, I get it, Dave.
- It's not just jobs.
434
00:21:45,838 --> 00:21:48,875
It's about the quality of life
for a whole community.
435
00:21:48,875 --> 00:21:51,544
This is all really impressive, OK?
436
00:21:51,544 --> 00:21:52,945
But, unfortunately,
437
00:21:52,945 --> 00:21:55,748
the Financial Regulation Board
doesn't care about this.
438
00:21:57,584 --> 00:21:59,919
Question I want you to answer...
439
00:22:00,920 --> 00:22:03,756
isn't "Can the Bank
of Dave exist?"
440
00:22:03,756 --> 00:22:07,960
The question,
after what you've seen today,
441
00:22:07,960 --> 00:22:10,563
is "Should the Bank
of Dave exist?"
442
00:22:10,563 --> 00:22:12,632
Well...
443
00:22:13,933 --> 00:22:15,902
Yes. Yes, it should.
444
00:22:15,902 --> 00:22:17,770
Right.
445
00:22:17,770 --> 00:22:20,407
So, this is what I want you to do.
446
00:22:20,407 --> 00:22:24,577
I want you to file the necessary paperwork
447
00:22:24,577 --> 00:22:26,679
with the Finance Commission Board.
448
00:22:26,679 --> 00:22:28,848
I know they're gonna turn me down...
449
00:22:30,650 --> 00:22:33,386
but I want them to tell me why.
450
00:22:34,454 --> 00:22:37,590
I want them to admit publicly
451
00:22:37,590 --> 00:22:40,126
that it's because I'm not in their club.
452
00:22:41,227 --> 00:22:44,363
I'm not part of the Eton and Oxford elite.
453
00:22:45,532 --> 00:22:47,299
I want them to say
454
00:22:47,299 --> 00:22:52,439
that the very same people who've
just lost 500 billion quid
455
00:22:52,439 --> 00:22:56,543
are the only people entitled
to look after our money.
456
00:22:56,543 --> 00:22:58,344
And you don't mind losing?
457
00:22:58,344 --> 00:23:00,780
Of course I bloody mind.
458
00:23:00,780 --> 00:23:02,882
But it's the price I'm willing to pay
459
00:23:02,882 --> 00:23:05,384
to get them to admit the truth.
460
00:23:05,384 --> 00:23:06,719
OK, yeah.
461
00:23:06,719 --> 00:23:08,821
Yeah, I'm in.
462
00:23:10,490 --> 00:23:12,124
I'll give your boss a bell on Monday.
463
00:23:12,124 --> 00:23:13,526
Tell him you're still on the clock.
464
00:23:13,526 --> 00:23:15,027
Oh, that'll make his day.
465
00:23:15,027 --> 00:23:17,997
Alright. Time to celebrate.
466
00:23:17,997 --> 00:23:20,833
And, as luck would have it...
467
00:23:21,834 --> 00:23:23,335
tonight's karaoke night.
468
00:23:23,335 --> 00:23:25,004
Oh, no, thank you.
469
00:23:25,004 --> 00:23:26,739
Alexandra will be there.
470
00:23:27,874 --> 00:23:29,709
Really?
471
00:23:31,511 --> 00:23:33,345
What I didn't tell you earlier
472
00:23:33,345 --> 00:23:35,347
is that Eric here used to be shop steward
473
00:23:35,347 --> 00:23:37,517
at the Michelin factory
before it closed down.
474
00:23:37,517 --> 00:23:40,152
And he was a real bloody troublemaker.
475
00:23:40,152 --> 00:23:42,855
- Now he employs 25 workers.
- 30.
476
00:23:42,855 --> 00:23:44,857
This bugger here turned me
into a bloody capitalist.
477
00:23:44,857 --> 00:23:46,325
It happens.
478
00:23:46,325 --> 00:23:48,528
Can barely look at myself
in the mirror of a morning.
479
00:23:48,528 --> 00:23:50,029
- Hugh.
Thanks.
480
00:23:50,029 --> 00:23:51,498
I'd like to introduce you to Maureen.
481
00:23:51,498 --> 00:23:52,832
Nice to meet you.
482
00:23:52,832 --> 00:23:55,001
First loan I made that weren't for a van
483
00:23:55,001 --> 00:23:56,703
or a minibus were to Maureen.
484
00:23:56,703 --> 00:23:59,672
I heard you got yourself
a posh London lawyer
485
00:23:59,672 --> 00:24:01,173
to sort out this bank thing.
486
00:24:01,173 --> 00:24:03,209
When you take on the fat cats,
487
00:24:03,209 --> 00:24:05,444
you gotta have someone who knows
how to play their game.
488
00:24:05,444 --> 00:24:08,681
I told Dave earlier he was
wasting his time with the idea,
489
00:24:08,681 --> 00:24:11,217
but he's managed to convince me
since then.
490
00:24:11,217 --> 00:24:13,686
- Dave can be very persuasive.
- Yes.
491
00:24:13,686 --> 00:24:15,888
I hope, for his sake, you're half as good.
492
00:24:15,888 --> 00:24:18,190
Well, hopefully.
493
00:24:18,190 --> 00:24:21,393
So, you received the first loan from Dave?
494
00:24:22,394 --> 00:24:25,064
Yeah. I were married
to Ron for 38 years.
495
00:24:25,064 --> 00:24:28,100
When he died, I had very
little money in the bank.
496
00:24:28,100 --> 00:24:30,102
I couldn't have afforded a proper funeral
497
00:24:30,102 --> 00:24:31,871
without Dave and Nicky's help.
498
00:24:31,871 --> 00:24:34,373
Right, first up.
499
00:24:34,373 --> 00:24:37,977
All the way from London, it's Hugh.
500
00:24:37,977 --> 00:24:40,046
Get yourself up there.
Go on.
501
00:24:40,046 --> 00:24:41,413
That's you.
- No.
502
00:24:41,413 --> 00:24:43,249
- I picked you an easy one.
- That's not nice.
503
00:24:43,249 --> 00:24:44,951
You'll be fine.
- No. No, no.
504
00:24:44,951 --> 00:24:46,385
You know this one.
505
00:24:46,385 --> 00:24:47,987
- You'll like this one.
- Sorry, no, thank you.
506
00:24:47,987 --> 00:24:49,889
Alright, everybody, let's
give him a round of applause.
507
00:24:49,889 --> 00:24:52,825
No, thank you.
- Come on. I'll just press play.
508
00:24:52,825 --> 00:24:54,561
Hugh!
509
00:24:56,596 --> 00:24:59,566
- Go, go, go!
510
00:24:59,566 --> 00:25:01,968
Whoo!
511
00:25:01,968 --> 00:25:04,070
I honestly don't want to do this.
512
00:25:04,070 --> 00:25:06,906
You'll be fine. You'll be grand!
513
00:25:06,906 --> 00:25:08,507
I... I... really don't want to.
514
00:25:08,507 --> 00:25:10,242
- That's funny.
- I know this one.
515
00:25:16,315 --> 00:25:17,617
I...
516
00:25:19,085 --> 00:25:22,254
- I don't know this song.
- Can't hear you!
517
00:25:37,637 --> 00:25:39,772
Yes, you know. You want to swap?
No.
518
00:25:41,874 --> 00:25:43,610
Holy shit.
519
00:25:46,278 --> 00:25:47,947
Yeah, can I get a lager, please?
520
00:25:49,882 --> 00:25:51,317
Oh, God.
521
00:25:58,658 --> 00:25:59,826
That's right.
522
00:25:59,826 --> 00:26:01,460
Please help me.
523
00:26:05,965 --> 00:26:07,466
I haven't... No.
524
00:26:12,238 --> 00:26:14,006
I wasn't laughing, I promise!
525
00:26:16,809 --> 00:26:18,645
Oh, come on.
526
00:26:23,983 --> 00:26:26,218
I think I'm...
I think that's it.
527
00:26:27,887 --> 00:26:30,256
OK. I'm gonna go.
Thank you.
528
00:26:30,256 --> 00:26:33,325
Thanks a lot. Thanks, Dave.
Really appreciate it.
529
00:26:33,325 --> 00:26:34,661
Well done, lad.
530
00:26:34,661 --> 00:26:36,996
Whoo!
531
00:26:36,996 --> 00:26:40,499
Ah. well done, lad.
Whoo-hoo!
532
00:26:40,499 --> 00:26:42,869
See? He's got a good voice.
533
00:26:42,869 --> 00:26:45,337
- You'll bill me for that later.
- Cheers.
534
00:26:45,337 --> 00:26:46,405
Cheers.
535
00:26:49,909 --> 00:26:52,178
Speak soon, yeah?
Yeah. Speak soon.
536
00:26:52,178 --> 00:26:53,680
Yeah, we better.
- Yes.
537
00:26:53,680 --> 00:26:55,181
- Alright.
538
00:26:55,181 --> 00:26:56,883
Take care.
- OK. Cheers, Dave.
539
00:26:56,883 --> 00:26:58,517
- See you.
- See you.
540
00:26:58,517 --> 00:26:59,686
Oh!
541
00:26:59,686 --> 00:27:01,721
Oh! I'll get it.
You're alright.
542
00:27:01,721 --> 00:27:03,455
Here you are, love.
543
00:27:04,490 --> 00:27:06,192
Uh, thank you.
544
00:27:18,971 --> 00:27:21,874
My God, Hugh. What did they do
to you up there in the North?
545
00:27:21,874 --> 00:27:23,375
It's nothing.
It's silly. My fault.
546
00:27:23,375 --> 00:27:26,078
While you were travelling,
I got a call from Mr Fishwick.
547
00:27:26,078 --> 00:27:28,047
He's keeping you on
at your full hourly rate,
548
00:27:28,047 --> 00:27:29,816
which is, of course, music to my ears.
549
00:27:29,816 --> 00:27:31,417
He also said he'd convinced you
550
00:27:31,417 --> 00:27:32,985
to move forward on the Bank of Dave.
551
00:27:32,985 --> 00:27:35,054
- Yes.
- Must be a hell of a salesman.
552
00:27:35,054 --> 00:27:37,824
Explain, because this I have to hear.
553
00:27:37,824 --> 00:27:41,227
Right, so, the banks are
literally a law unto themselves.
554
00:27:41,227 --> 00:27:43,262
They've created a model
of what a bank should be,
555
00:27:43,262 --> 00:27:45,264
which of course is exactly like them.
556
00:27:45,264 --> 00:27:47,566
Dave Fishwick's proposal is a new model.
557
00:27:47,566 --> 00:27:50,502
A small local bank taking local deposits,
558
00:27:50,502 --> 00:27:52,604
investing back into the local community.
559
00:27:52,604 --> 00:27:54,440
That's a nice idea.
560
00:27:54,440 --> 00:27:56,508
FRB will never go for it, though.
561
00:27:56,508 --> 00:27:58,110
No, of course they won't.
562
00:27:58,110 --> 00:27:59,912
But they are going to have to justify
563
00:27:59,912 --> 00:28:02,514
why the status quo is so much better.
564
00:28:02,514 --> 00:28:06,118
So, you want to take them on
in the court of public opinion?
565
00:28:06,118 --> 00:28:07,787
That's not a bad idea,
566
00:28:07,787 --> 00:28:10,289
given the public opinion
has never being so negative.
567
00:28:10,289 --> 00:28:12,691
But just expect them to fight dirty.
568
00:28:12,691 --> 00:28:15,361
The good news is they have to
win and we don't mind losing.
569
00:28:15,361 --> 00:28:18,264
Hmm!
I'm liking this more and more.
570
00:28:18,264 --> 00:28:19,766
What do you need?
571
00:28:19,766 --> 00:28:22,301
Any advice you have
on submitting to the FRB.
572
00:28:22,301 --> 00:28:24,670
You're going to need a business plan.
573
00:28:24,670 --> 00:28:27,974
Talk to your friend Oscar.
He churns them out every day.
574
00:28:27,974 --> 00:28:31,143
Yeah, that's a great idea!
Thanks, Clarence.
575
00:28:32,511 --> 00:28:36,182
So, these are all old, but they
all follow the same pattern.
576
00:28:37,149 --> 00:28:39,886
Huge upside, almost no risk.
577
00:28:39,886 --> 00:28:41,520
I'll email you the bit of software
578
00:28:41,520 --> 00:28:43,890
that makes putting one of this
together a piece of piss.
579
00:28:43,890 --> 00:28:45,391
These are great. Thank you.
580
00:28:45,391 --> 00:28:47,026
What's this all for, anyway?
581
00:28:48,694 --> 00:28:50,797
- Um...
- I know, I know.
582
00:28:50,797 --> 00:28:53,632
You could tell me
but then you'd have to kill me.
583
00:28:53,632 --> 00:28:55,301
Something like that, yeah.
584
00:28:55,301 --> 00:28:57,837
So, tell me,
how's married life treating you?
585
00:29:01,340 --> 00:29:02,641
- Oh, really?
- Hmm.
586
00:29:02,641 --> 00:29:04,376
Come on, it's not that bad.
587
00:29:05,444 --> 00:29:09,015
The baby keeps us up
half the night, every night.
588
00:29:09,015 --> 00:29:11,851
Priscilla is moody as fuck all the time.
589
00:29:11,851 --> 00:29:14,153
And the house looks like ground zero.
590
00:29:14,153 --> 00:29:17,857
Aside from that,
I've... never been happier.
591
00:29:19,959 --> 00:29:21,994
Well, it sounds great to me.
592
00:29:24,230 --> 00:29:26,498
Hugh.
593
00:29:26,498 --> 00:29:29,335
- Hey, Hen. How you doing?
- Hi.
594
00:29:29,335 --> 00:29:31,703
Never better. Will you join me?
595
00:29:31,703 --> 00:29:34,173
- Uh, no, I...
- Oh, please.
596
00:29:34,173 --> 00:29:36,508
Bloody Cynthia stood me up
at the last minute.
597
00:29:36,508 --> 00:29:38,911
A client dinner the dozy cow
had forgotten about.
598
00:29:38,911 --> 00:29:41,413
I'll be legless if I drink this
on my own. Please?
599
00:29:41,413 --> 00:29:43,382
Uh, OK, I'll have one.
600
00:29:46,285 --> 00:29:49,621
So, what have you been up to?
601
00:29:49,621 --> 00:29:51,623
I've just come back from the North.
602
00:29:51,623 --> 00:29:53,692
- Hampstead?
- Uh, Burnley.
603
00:29:53,692 --> 00:29:55,527
Oh. Sounds grim.
604
00:29:55,527 --> 00:29:57,196
No, actually, it's a surprisingly
605
00:29:57,196 --> 00:29:58,697
pretty part of the world.
606
00:29:58,697 --> 00:30:00,399
They've got a great
football side, I think.
607
00:30:00,399 --> 00:30:01,868
Who knew?
608
00:30:01,868 --> 00:30:03,602
How's work?
609
00:30:03,602 --> 00:30:05,704
Yeah. It's full on.
610
00:30:05,704 --> 00:30:09,041
Giles is... Well, he's
an arsehole, as you know.
611
00:30:09,041 --> 00:30:10,109
Yeah.
612
00:30:10,109 --> 00:30:11,810
But I can honestly say I'm loving it.
613
00:30:11,810 --> 00:30:15,414
Great. I saw you and Jem the
other night. How's he doing?
614
00:30:16,748 --> 00:30:19,051
Yeah, he's good. He, um...
615
00:30:19,051 --> 00:30:21,053
He just got a big promotion.
616
00:30:21,053 --> 00:30:23,722
- Great.
- Hmm.
617
00:30:26,492 --> 00:30:28,427
Oh, no.
Oh, no, what have I done?
618
00:30:28,427 --> 00:30:30,129
Sorry.
619
00:30:30,129 --> 00:30:32,764
Oh, my God,
it's so embarrassing. Sorry.
620
00:30:34,766 --> 00:30:36,602
- He dumped me.
- Oh, shit.
621
00:30:36,602 --> 00:30:38,404
I'm so sorry, Hen. That's...
622
00:30:38,404 --> 00:30:40,406
I mean, what am I gonna do?
623
00:30:40,406 --> 00:30:42,741
I mean, he's my boss now.
I can't...
624
00:30:42,741 --> 00:30:45,111
I can't go back to work there, but I...
625
00:30:45,111 --> 00:30:48,514
I can't afford to lose my job.
626
00:30:48,514 --> 00:30:51,617
I'm sure it'll work itself out.
627
00:30:52,618 --> 00:30:55,021
- Uh, maybe... maybe slow down.
- Mmm!
628
00:30:55,021 --> 00:30:56,288
Yes, madam?
629
00:30:56,288 --> 00:30:57,990
Maybe not drink so much if you're sad.
630
00:30:57,990 --> 00:30:59,491
- This one, yeah. Thank you.
Absolutely.
631
00:31:00,927 --> 00:31:02,528
You OK?
- No, I'm fine. Fine.
632
00:31:02,528 --> 00:31:04,696
- There's a step coming up.
- One, two, three.
633
00:31:04,696 --> 00:31:06,098
Good. Nice.
634
00:31:06,098 --> 00:31:07,599
- Um...
635
00:31:07,599 --> 00:31:09,969
- OK.
- Thank you.
636
00:31:09,969 --> 00:31:12,838
Oh! Oh, no, no, no, no, Hen.
637
00:31:12,838 --> 00:31:15,141
No. You're vulnerable,
I'm vulnerable.
638
00:31:15,141 --> 00:31:17,209
You know, this... this
won't solve anything.
639
00:31:17,209 --> 00:31:19,211
- No?
- No.
640
00:31:19,211 --> 00:31:21,280
- OK.
- OK.
641
00:31:22,781 --> 00:31:24,316
I do miss you, though, Hugh.
642
00:31:24,316 --> 00:31:27,219
- I miss you too.
- Hmm.
643
00:31:27,219 --> 00:31:30,022
- We were so good together.
- Yeah.
644
00:31:30,022 --> 00:31:32,324
- Can I ask a favour?
- What do you want?
645
00:31:32,324 --> 00:31:35,127
All of Jem's stuff is at my house.
646
00:31:35,127 --> 00:31:37,796
- Can I stay at your house?
- Of course.
647
00:31:37,796 --> 00:31:39,665
But let's just...
648
00:31:40,666 --> 00:31:41,968
get into the cab, please.
649
00:31:41,968 --> 00:31:43,835
- Yeah. Yeah, OK.
Yeah.
650
00:31:43,835 --> 00:31:45,037
Oh!
651
00:31:45,037 --> 00:31:46,505
Hmm.
652
00:31:46,505 --> 00:31:48,007
- OK?
Yes.
653
00:31:48,007 --> 00:31:50,009
- Please be careful...
Hello!
654
00:32:33,685 --> 00:32:35,721
Oh, Christ.
655
00:32:44,730 --> 00:32:46,498
Oh! Thank God.
656
00:33:04,250 --> 00:33:05,484
Hmm.
657
00:33:23,202 --> 00:33:24,270
Hmm.
658
00:33:29,908 --> 00:33:31,243
Hmm.
659
00:33:31,243 --> 00:33:33,412
- Hey.
Hello.
660
00:33:33,412 --> 00:33:35,181
How... how are you doing?
Are you OK?
661
00:33:35,181 --> 00:33:37,083
Hmm.
662
00:33:37,083 --> 00:33:40,752
I have made you a very strong coffee.
663
00:33:40,752 --> 00:33:42,288
Thank you.
664
00:33:42,288 --> 00:33:45,757
Sorry about last night.
I was in shocking shape.
665
00:33:45,757 --> 00:33:47,893
No. Don't be. I was glad
I was there to help.
666
00:33:49,128 --> 00:33:50,596
Can we go for dinner soon?
667
00:33:50,596 --> 00:33:52,098
You know, like normal people.
668
00:33:52,098 --> 00:33:54,100
When I'm not completely off my face.
669
00:33:54,100 --> 00:33:56,435
Yes. Whenever you like.
670
00:33:56,435 --> 00:33:58,370
Tonight?
671
00:34:01,140 --> 00:34:02,608
Yeah.
672
00:34:02,608 --> 00:34:04,110
Um...
673
00:34:04,110 --> 00:34:06,011
Yeah.
674
00:34:07,479 --> 00:34:10,449
- How's it going?
- Good. Getting there.
675
00:34:10,449 --> 00:34:13,452
Excellent. Because I found
someone you should speak to.
676
00:34:14,720 --> 00:34:17,323
Sir Charles Denbigh.
Friend of a friend.
677
00:34:17,323 --> 00:34:20,326
He was on the board of the FRB
until three years ago.
678
00:34:20,326 --> 00:34:23,462
These days, he mainly does legal
consultancy for hedge funds.
679
00:34:23,462 --> 00:34:25,297
And he's going to be helpful?
680
00:34:25,297 --> 00:34:27,133
This needs to go public.
681
00:34:27,133 --> 00:34:29,135
Spin Sir Charles a convincing enough yarn,
682
00:34:29,135 --> 00:34:30,636
he won't be able to help himself.
683
00:34:30,636 --> 00:34:32,171
He'll be on the phone right away
684
00:34:32,171 --> 00:34:34,340
to his friends in high places
in the banking world.
685
00:34:34,340 --> 00:34:37,309
And then you can tap into the
one thing you have on your side.
686
00:34:37,309 --> 00:34:40,179
- Everybody hates bankers.
- Precisely.
687
00:34:41,180 --> 00:34:42,881
Tootle-pip.
688
00:34:47,018 --> 00:34:49,255
Everybody hates bankers.
689
00:34:55,026 --> 00:34:57,329
Um...
Uh, Sir Charles?
690
00:34:57,329 --> 00:34:58,764
Hmm.
691
00:34:58,764 --> 00:35:01,066
Hugh Stockwell from Bentham and Green.
692
00:35:02,234 --> 00:35:03,902
Oh, you work with... Lawrence.
693
00:35:03,902 --> 00:35:05,337
Yeah, uh, Clarence.
694
00:35:05,337 --> 00:35:06,538
- Clarence?
- Yes.
695
00:35:06,538 --> 00:35:08,039
Oh... There.
696
00:35:08,039 --> 00:35:10,176
I've never actually met the man.
697
00:35:10,176 --> 00:35:12,444
In fact, until yesterday,
I'd never even heard of him.
698
00:35:12,444 --> 00:35:14,513
But, anyway, you're here now,
699
00:35:14,513 --> 00:35:17,349
so, um, how can I be of service?
700
00:35:17,349 --> 00:35:19,451
Well, firstly, thank you -
everybody I speak to
701
00:35:19,451 --> 00:35:21,187
tells me you're
the country's leading expert
702
00:35:21,187 --> 00:35:22,688
on the banking system.
703
00:35:22,688 --> 00:35:24,690
Oh, well, I've put in my time.
704
00:35:24,690 --> 00:35:26,692
So I'll be brief.
705
00:35:26,692 --> 00:35:28,560
I represent a client
706
00:35:28,560 --> 00:35:31,597
who is looking into establishing
a new retail bank.
707
00:35:31,597 --> 00:35:33,565
Not an American, I hope.
708
00:35:33,565 --> 00:35:35,367
No.
709
00:35:35,367 --> 00:35:37,969
The gentleman in question
is definitely English.
710
00:35:37,969 --> 00:35:39,205
- Yah.
- Um...
711
00:35:39,205 --> 00:35:41,207
The question is more about scale.
712
00:35:41,207 --> 00:35:42,874
See, in the rest of the economy,
713
00:35:42,874 --> 00:35:44,710
we have large companies
and small companies.
714
00:35:44,710 --> 00:35:48,046
We have a chain of supermarkets
and corner shops.
715
00:35:48,046 --> 00:35:50,081
- Greengrocers, butchers.
- Your point?
716
00:35:50,081 --> 00:35:51,717
Well, my point is,
717
00:35:51,717 --> 00:35:55,221
why do all banks
have to be like supermarkets?
718
00:35:55,221 --> 00:35:58,123
Isn't there room for a few corner shops?
719
00:35:59,958 --> 00:36:03,094
You're talking about Hoares.
720
00:36:03,094 --> 00:36:04,396
Am I?
721
00:36:04,396 --> 00:36:07,065
Well, oldest bank in the country, tiny.
722
00:36:07,065 --> 00:36:11,570
Caters for very exclusive
clientele. Old money.
723
00:36:11,570 --> 00:36:14,406
No. What about people on
the other end of the spectrum?
724
00:36:14,406 --> 00:36:15,741
New money?
725
00:36:15,741 --> 00:36:17,443
No money.
726
00:36:20,746 --> 00:36:24,750
I'm... I'm not quite sure what
you're getting at, Mr Stockwell,
727
00:36:24,750 --> 00:36:27,453
but there is no right size of bank.
728
00:36:27,453 --> 00:36:29,788
The FRB exists to make sure
729
00:36:29,788 --> 00:36:33,158
that people's hard-earned money
is entrusted to the...
730
00:36:34,125 --> 00:36:36,595
well, right kind of chap.
731
00:36:36,595 --> 00:36:38,597
That's the type of chap you can trust?
732
00:36:38,597 --> 00:36:40,266
Precisely.
733
00:36:40,266 --> 00:36:41,767
And if their job is selecting
734
00:36:41,767 --> 00:36:44,035
the type of chap you can trust...
735
00:36:45,003 --> 00:36:46,672
you'd have to admit they've been doing
736
00:36:46,672 --> 00:36:48,274
a pretty piss-poor job, haven't they?
737
00:36:48,274 --> 00:36:50,809
I beg your pardon.
738
00:36:50,809 --> 00:36:52,110
Anyway, thank you, Sir Charles.
739
00:36:52,110 --> 00:36:53,879
My client is the type of chap
740
00:36:53,879 --> 00:36:55,547
people in his community can trust,
741
00:36:55,547 --> 00:36:59,285
so... I'm sure
there won't be any problems.
742
00:36:59,285 --> 00:37:00,819
Thank you.
743
00:37:11,697 --> 00:37:12,964
What do you think?
744
00:37:12,964 --> 00:37:14,533
Looks bloody fantastic.
745
00:37:14,533 --> 00:37:17,369
Wouldn't be surprised if after
they saw this they'd say yes.
746
00:37:17,369 --> 00:37:20,038
I don't know about that, Dave.
747
00:37:20,038 --> 00:37:22,974
Look, I'm going to hand-deliver
this to the FRB on Friday,
748
00:37:22,974 --> 00:37:24,242
so speak soon.
749
00:37:24,242 --> 00:37:25,577
OK?
750
00:37:25,577 --> 00:37:27,078
Cheers.
751
00:37:28,580 --> 00:37:30,582
How was your day, anyway?
752
00:37:30,582 --> 00:37:34,085
Hmm. Fraught. Everyone was
being incredibly nice to me.
753
00:37:34,085 --> 00:37:36,488
Which is a sure sign
they're gonna get rid of you.
754
00:37:36,488 --> 00:37:38,223
- How about you?
- Ah...
755
00:37:38,223 --> 00:37:40,359
I had a meeting with Sir Charles Denbigh.
756
00:37:41,727 --> 00:37:44,330
- You're kidding?
- Yeah, I did.
757
00:37:44,330 --> 00:37:46,832
- He's a legend.
- Is he, though?
758
00:37:46,832 --> 00:37:50,168
Yes. He was tipped
to be the possible governor
759
00:37:50,168 --> 00:37:51,837
of the Bank of England
before the recession.
760
00:37:51,837 --> 00:37:54,039
What on Earth did he
want to talk to you about?
761
00:37:54,039 --> 00:37:56,174
Nothing. I was just picking
his brains about something.
762
00:37:56,174 --> 00:37:57,509
Um...
763
00:37:57,509 --> 00:37:59,711
Meetings with Sir Charles Denbigh.
764
00:37:59,711 --> 00:38:03,281
- Secret trips to the North.
- Hmm. It's hardly secret, Hen.
765
00:38:03,281 --> 00:38:05,717
- What are you involved in, Hugh?
- Not involved...
766
00:38:05,717 --> 00:38:08,186
Come on, spill.
767
00:38:08,186 --> 00:38:11,523
I'm filling the formal paperwork
out at the end of the week,
768
00:38:11,523 --> 00:38:13,525
so till then,
it has to be just between us.
769
00:38:13,525 --> 00:38:15,226
Of course.
770
00:38:15,226 --> 00:38:19,731
I have a client
who wants to start a new bank.
771
00:38:19,731 --> 00:38:21,533
You're kidding.
772
00:38:21,533 --> 00:38:23,869
He's aware the FRB
will inevitably turn him down,
773
00:38:23,869 --> 00:38:25,904
but he wants to force them to go public
774
00:38:25,904 --> 00:38:27,739
with what they think a bank should be.
775
00:38:28,740 --> 00:38:31,076
Well, that'll certainly stir things up.
776
00:38:32,010 --> 00:38:33,645
Your client's credible?
777
00:38:33,645 --> 00:38:36,314
Uh... Yeah.
778
00:38:36,314 --> 00:38:38,584
Well, and he's certainly
a character, but...
779
00:38:39,918 --> 00:38:42,053
But, yeah, I think he is.
780
00:38:42,053 --> 00:38:43,622
Hmm.
781
00:38:49,928 --> 00:38:51,563
- May I help you?
- Hey.
782
00:38:51,563 --> 00:38:53,732
Uh, I'm here to submit a proposal
783
00:38:53,732 --> 00:38:55,901
for the establishment of a new bank.
784
00:38:55,901 --> 00:38:59,405
I'm not sure that's
something we deal with here.
785
00:38:59,405 --> 00:39:01,673
According to the Financial
Markets and Services Act
786
00:39:01,673 --> 00:39:03,241
passed in 2000, it is.
787
00:39:03,241 --> 00:39:05,411
Oh! Uh...
788
00:39:05,411 --> 00:39:07,345
If you'd like to take a seat,
789
00:39:07,345 --> 00:39:08,914
I'll find someone who can help you.
790
00:39:08,914 --> 00:39:10,949
- Thank you.
- OK.
791
00:39:17,656 --> 00:39:20,091
Apologies for keeping you waiting.
792
00:39:20,091 --> 00:39:21,092
Uh, hey.
793
00:39:21,092 --> 00:39:22,461
Edward De Thame.
794
00:39:22,461 --> 00:39:24,362
Uh, Hugh Stockwell from Bentham and Green.
795
00:39:24,362 --> 00:39:26,164
Uh, here is the proposal.
796
00:39:27,566 --> 00:39:30,436
It's a long time since we've had
an application for a new bank.
797
00:39:30,436 --> 00:39:32,938
- 150 years, I'm told.
- Indeed.
798
00:39:32,938 --> 00:39:34,540
Right, we'll be in touch.
799
00:39:34,540 --> 00:39:36,508
- Brilliant.
- Right.
800
00:39:46,985 --> 00:39:48,286
Giles, Sir Charles Denbigh on line one.
801
00:39:48,286 --> 00:39:50,822
- Oh.
802
00:39:53,992 --> 00:39:55,226
Sir Charles.
803
00:39:55,226 --> 00:39:56,662
What can I do for you?
804
00:39:56,662 --> 00:40:00,331
Your friend Hugh Stockwell
is causing us problems.
805
00:40:00,331 --> 00:40:03,134
Hugh? He's not exactly a friend.
806
00:40:03,134 --> 00:40:06,171
We hired him a while back just
to do some legal donkey work.
807
00:40:06,171 --> 00:40:10,075
He's just filed with the FRB
to set up a new bank.
808
00:40:10,075 --> 00:40:14,045
Doesn't sound like Hugh.
He's hardly a high-flyer.
809
00:40:14,045 --> 00:40:16,748
Well, it's hardly
a high-flying bank either.
810
00:40:16,748 --> 00:40:18,383
More of a corner shop.
811
00:40:18,383 --> 00:40:21,152
I see. So, less of a problem.
812
00:40:21,152 --> 00:40:22,521
Well, quite the opposite.
813
00:40:22,521 --> 00:40:24,422
It's one thing rich foreign corporations
814
00:40:24,422 --> 00:40:25,857
trying to home in on our business.
815
00:40:25,857 --> 00:40:27,659
We know how to deal with those buggers,
816
00:40:27,659 --> 00:40:31,029
but once... ordinary people
start thinking
817
00:40:31,029 --> 00:40:32,664
they can get in on the act,
818
00:40:32,664 --> 00:40:34,032
the floodgates will open.
819
00:40:36,067 --> 00:40:40,438
Of course. I see. So...
So how can I help, Sir Charles?
820
00:40:40,438 --> 00:40:42,407
I may need to call on you at some point.
821
00:40:42,407 --> 00:40:44,009
For now, I have the situation
822
00:40:44,009 --> 00:40:45,711
well in hand.
823
00:40:57,856 --> 00:40:59,858
Sir Charles, do we have a deal?
824
00:40:59,858 --> 00:41:03,361
Send me that page
and you'll have your promotion.
825
00:41:20,311 --> 00:41:21,613
Bloody hell?
826
00:41:29,087 --> 00:41:32,257
Excuse me. Have you seen...
827
00:41:46,137 --> 00:41:47,639
Hello.
828
00:41:47,639 --> 00:41:49,440
Dave's been arrested.
829
00:41:50,776 --> 00:41:52,277
On what charge?
830
00:41:52,277 --> 00:41:53,912
Loan sharking.
831
00:41:53,912 --> 00:41:55,614
Really?
832
00:41:55,614 --> 00:41:59,050
Um, I... I'll call you back.
833
00:42:04,956 --> 00:42:07,358
No, I can't find anything illegal here.
834
00:42:07,358 --> 00:42:09,427
These are all person-to-person loans.
835
00:42:09,427 --> 00:42:11,462
Unless there's proof of coercion
or threats of violence,
836
00:42:11,462 --> 00:42:12,764
it's not loan sharking.
837
00:42:12,764 --> 00:42:14,633
Go to page 11.
838
00:42:19,337 --> 00:42:21,973
I haven't got page 11.
839
00:42:21,973 --> 00:42:23,809
Probably still in the photocopier.
840
00:42:23,809 --> 00:42:25,711
No, no. You've got
the photocopied version.
841
00:42:25,711 --> 00:42:27,278
These are the originals I took home.
842
00:42:27,278 --> 00:42:29,981
Well, the first loan Dave made
was through Fishwick Motors.
843
00:42:29,981 --> 00:42:32,784
So what?
He has a lending licence.
844
00:42:32,784 --> 00:42:34,219
He's allowed to lend money to anyone
845
00:42:34,219 --> 00:42:36,054
who wants to buy a van or a minibus.
846
00:42:36,054 --> 00:42:37,488
This is for funeral expenses.
847
00:42:37,488 --> 00:42:39,124
Yeah, but surely that's just
a minor technicality.
848
00:42:39,124 --> 00:42:40,626
That counts as illegal money lending,
849
00:42:40,626 --> 00:42:42,460
for which you'll get a slap on the wrist
850
00:42:42,460 --> 00:42:44,062
and a criminal record.
851
00:42:44,062 --> 00:42:46,932
- Of course.
- I told you they'd fight dirty.
852
00:42:53,038 --> 00:42:54,973
This isn't a big deal.
853
00:42:54,973 --> 00:42:57,208
They let me out on bail
after a couple of hours.
854
00:42:57,208 --> 00:42:59,244
- Yeah, but they did charge you?
- Yeah.
855
00:42:59,244 --> 00:43:01,647
- Can I see the charge sheet?
Alright.
856
00:43:01,647 --> 00:43:02,981
Hello.
- Hi.
857
00:43:02,981 --> 00:43:04,816
This is actually very serious.
858
00:43:04,816 --> 00:43:07,986
The police said the magistrates
might fine me a few quid.
859
00:43:07,986 --> 00:43:09,320
I'm not gonna prison.
860
00:43:09,320 --> 00:43:10,989
Yeah, but you would have
a criminal record.
861
00:43:10,989 --> 00:43:12,490
You wouldn't be able to run
862
00:43:12,490 --> 00:43:13,925
a financial institution of any kind.
863
00:43:13,925 --> 00:43:15,260
Yeah, exactly.
864
00:43:15,260 --> 00:43:17,262
If they get a conviction
for this, they've won.
865
00:43:17,262 --> 00:43:19,030
There's no more Bank of Dave.
866
00:43:19,931 --> 00:43:21,667
There you go, love.
867
00:43:21,667 --> 00:43:23,234
Thank you.
868
00:43:26,571 --> 00:43:28,539
It weren't even supposed to be a loan.
869
00:43:29,540 --> 00:43:31,009
Sorry?
870
00:43:31,009 --> 00:43:36,181
The one they're talking about,
the first... to Maureen.
871
00:43:36,181 --> 00:43:37,382
Yeah.
872
00:43:37,382 --> 00:43:40,185
I've known her and Ron for years.
873
00:43:40,185 --> 00:43:43,354
He deserved a proper send-off.
874
00:43:43,354 --> 00:43:46,191
I were happy to pay for it,
but Maureen didn't want charity.
875
00:43:46,191 --> 00:43:50,028
So, I used one of the forms
from Fishwick Motors
876
00:43:50,028 --> 00:43:51,730
to make it into a loan.
877
00:43:52,964 --> 00:43:56,634
When she paid me back,
I had to file the paperwork.
878
00:43:56,634 --> 00:43:59,871
- So... what's Dave's defence?
879
00:43:59,871 --> 00:44:01,740
He doesn't have one.
- What?
880
00:44:01,740 --> 00:44:04,042
Sorry, but your husband committed a crime.
881
00:44:04,042 --> 00:44:05,543
Obviously a very small one,
882
00:44:05,543 --> 00:44:07,045
and with good intentions,
883
00:44:07,045 --> 00:44:08,546
but it's there in black and white.
884
00:44:08,546 --> 00:44:10,081
No jury or magistrate in the country's
885
00:44:10,081 --> 00:44:11,649
going to find him not guilty.
886
00:44:11,649 --> 00:44:13,184
- It's...
887
00:44:14,419 --> 00:44:16,988
If we...
888
00:44:16,988 --> 00:44:18,589
Do you know what, if we could prove
889
00:44:18,589 --> 00:44:20,892
that the charges were filed
with malicious intent,
890
00:44:20,892 --> 00:44:23,061
and the intention wasn't
to punish Dave Fishwick
891
00:44:23,061 --> 00:44:25,263
but the wider Burnley community.
892
00:44:25,263 --> 00:44:27,733
Yeah, it's a long shot,
but I think it's worth a go.
893
00:44:27,733 --> 00:44:29,768
- What do you think?
I like it.
894
00:44:29,768 --> 00:44:31,970
You're gonna have to put on
a hell of a performance
895
00:44:31,970 --> 00:44:33,839
to convince the magistrates of the truth.
896
00:44:33,839 --> 00:44:36,908
- Like, "I want the truth."
- "You can't handle the truth."
897
00:44:36,908 --> 00:44:38,176
Ooh, I love that film.
898
00:44:38,176 --> 00:44:39,911
You know, I've actually never seen it.
899
00:44:39,911 --> 00:44:41,446
- You've not seen it?
- No.
900
00:44:41,446 --> 00:44:43,348
- I've just seen that scene.
- Classic.
901
00:44:43,348 --> 00:44:45,250
I love it.
Dave's not seen it.
902
00:44:45,250 --> 00:44:46,952
Can we bring it back to me, please?
903
00:44:46,952 --> 00:44:48,586
Yes.
- What are we doing?
904
00:44:48,586 --> 00:44:50,621
Right, so, I'll come round
to the showroom first thing
905
00:44:50,621 --> 00:44:52,590
and go through all the numbers
with your accountant.
906
00:44:52,590 --> 00:44:53,925
That's what we'll do.
907
00:44:53,925 --> 00:44:55,794
How can I help?
908
00:44:55,794 --> 00:44:58,029
Oh, well, um...
909
00:44:58,029 --> 00:45:01,099
Well, someone made the complaint
which led to the arrest,
910
00:45:01,099 --> 00:45:03,701
and it'd be great to find out who it was.
911
00:45:03,701 --> 00:45:06,271
Yeah, I have a friend in
the police. I can speak to her.
912
00:45:06,271 --> 00:45:08,273
I can also speak to my sister.
913
00:45:08,273 --> 00:45:10,275
- Yeah?
- She's a reporter.
914
00:45:10,275 --> 00:45:11,309
Great.
915
00:45:11,309 --> 00:45:12,944
No, no, you won't be needed in court,
916
00:45:12,944 --> 00:45:14,780
but a statement for the record
would be great
917
00:45:14,780 --> 00:45:16,347
if you could manage it.
918
00:45:17,315 --> 00:45:18,950
Yeah? Brilliant.
919
00:45:18,950 --> 00:45:20,451
OK, speak soon.
920
00:45:20,451 --> 00:45:22,653
Um... Dave?
921
00:45:22,653 --> 00:45:24,455
- I just...
Hugh, come here.
922
00:45:24,455 --> 00:45:25,957
I want you to meet someone.
923
00:45:25,957 --> 00:45:28,293
This is Rick Purdy,
the legendary music promoter.
924
00:45:28,293 --> 00:45:29,828
Hey.
- Hello, man.
925
00:45:29,828 --> 00:45:31,296
Hugh's a lawyer and he's from London,
926
00:45:31,296 --> 00:45:32,730
but don't hold that against him.
927
00:45:32,730 --> 00:45:34,132
Fuck me. Double whammy.
928
00:45:34,132 --> 00:45:36,667
Yeah, Rick's managed some amazing bands.
929
00:45:36,667 --> 00:45:39,504
Really? Any I would've heard of?
930
00:45:39,504 --> 00:45:41,907
- Saxon, Bad Company.
- OK.
931
00:45:41,907 --> 00:45:44,009
- Def Leppard.
- No, shut up. No, you don't.
932
00:45:44,009 --> 00:45:45,743
Yeah, well, they're still going strong.
933
00:45:45,743 --> 00:45:47,145
I'm still in touch with the lads.
934
00:45:47,145 --> 00:45:48,479
Rick Savage lives down the road.
935
00:45:48,479 --> 00:45:51,649
Does he? I used
to play a little bit...
936
00:45:51,649 --> 00:45:54,820
- So, you're still managing?
- Oh, no, I got out.
937
00:45:54,820 --> 00:45:57,155
That end of the business
got a bit corporate for me.
938
00:45:57,155 --> 00:45:58,990
- Yes, of course.
Still keep your hand in.
939
00:45:58,990 --> 00:46:00,358
Don't you?
940
00:46:00,358 --> 00:46:02,660
Well, I spend most of my time
helping my son Jake.
941
00:46:02,660 --> 00:46:05,163
He's managing this great local
band called The Goa Express.
942
00:46:05,163 --> 00:46:06,531
Goa Express.
943
00:46:06,531 --> 00:46:08,766
And part of my job
is getting him a new minibus
944
00:46:08,766 --> 00:46:10,335
'cause they smashed up the last one.
945
00:46:10,335 --> 00:46:12,037
Rock'n'roll, eh, Dave?
946
00:46:12,037 --> 00:46:13,872
You're getting mates rates.
Don't worry.
947
00:46:13,872 --> 00:46:15,841
- Bless you.
Rock'n'roll, yeah.
948
00:46:15,841 --> 00:46:18,343
- God, Def Leppard. I mean, I...
949
00:46:18,343 --> 00:46:20,611
Uh... Um...
950
00:46:20,611 --> 00:46:22,380
- Nice to meet you.
- You too, mate.
951
00:46:22,380 --> 00:46:24,482
- Hello. Hugh Stockwell.
952
00:46:26,717 --> 00:46:27,853
Vans?
953
00:46:29,520 --> 00:46:31,756
I need to talk to you about Dave.
954
00:46:31,756 --> 00:46:33,691
- Fishwick?
- Yeah.
955
00:46:33,691 --> 00:46:35,927
You know, your lot arrested him
a few days ago.
956
00:46:35,927 --> 00:46:38,596
Not us. London sent a team up.
957
00:46:38,596 --> 00:46:39,865
And when we heard,
958
00:46:39,865 --> 00:46:41,699
we thought they must have
their wires crossed.
959
00:46:41,699 --> 00:46:44,069
Dave's an hustler, no question.
960
00:46:44,069 --> 00:46:46,571
And he's fond of the sound
of his own voice.
961
00:46:46,571 --> 00:46:49,040
- But he's hardly a loan shark.
962
00:46:49,040 --> 00:46:51,977
I know he lends a few bob
to friends and local businesses.
963
00:46:51,977 --> 00:46:53,811
Yeah, close to a million quid.
964
00:46:53,811 --> 00:46:56,381
You're kidding.
965
00:46:56,381 --> 00:46:59,417
We need to find out who filed
the original complaint.
966
00:47:00,785 --> 00:47:04,389
You know I can't share details
of an ongoing investigation.
967
00:47:04,389 --> 00:47:06,291
I think he's being set up, Vi.
968
00:47:06,291 --> 00:47:08,559
I think someone's trying
to use the police and the courts
969
00:47:08,559 --> 00:47:10,095
to take him outta the game.
970
00:47:10,095 --> 00:47:11,829
I just want to do what's right.
971
00:47:11,829 --> 00:47:15,901
I really think Dave
could do some good for Burnley.
972
00:47:15,901 --> 00:47:18,937
Yes, but I'm a
solicitor, Clarence. Like you.
973
00:47:18,937 --> 00:47:21,839
I don't stand up in court
and shout at people and stuff.
974
00:47:21,839 --> 00:47:23,674
But admit it, you want to.
975
00:47:23,674 --> 00:47:25,243
Yeah, but I don't think
976
00:47:25,243 --> 00:47:27,745
this is the best time
to indulge my fantasies.
977
00:47:27,745 --> 00:47:29,414
Maybe we should get a barrister.
978
00:47:29,414 --> 00:47:31,416
Well, they don't appear very
often in Magistrate's Court,
979
00:47:31,416 --> 00:47:32,984
and when they do,
980
00:47:32,984 --> 00:47:36,121
the assumption is that it's
because their client is guilty.
981
00:47:36,121 --> 00:47:39,524
Yes, but in this case,
my client is guilty, so...
982
00:47:39,524 --> 00:47:41,659
- You'll do fine, Hugh.
- I mean...
983
00:47:43,328 --> 00:47:44,429
Thank you.
984
00:47:44,429 --> 00:47:45,596
Thanks.
985
00:47:46,597 --> 00:47:48,199
Saw you on TV.
986
00:47:48,199 --> 00:47:51,136
Can you believe they finally
let me present my own story?
987
00:47:51,136 --> 00:47:52,437
You were brilliant.
988
00:47:52,437 --> 00:47:54,539
I always knew
you'd be the star of the family.
989
00:47:54,539 --> 00:47:56,107
Well, tell that to Mum and Dad.
990
00:47:56,107 --> 00:47:58,276
Doesn't matter what I do,
you got into Cambridge
991
00:47:58,276 --> 00:47:59,945
and now you're saving lives.
992
00:47:59,945 --> 00:48:02,013
And we're both not doing
too badly, are we?
993
00:48:02,013 --> 00:48:03,648
Mm-hmm. Right!
994
00:48:03,648 --> 00:48:05,616
We're finally out on the lash.
Come on.
995
00:48:05,616 --> 00:48:08,819
No. No way.
I'm in surgery at 9:00 tomorrow.
996
00:48:08,819 --> 00:48:12,457
Yeah, course you are, but we're
celebrating my first big story.
997
00:48:12,457 --> 00:48:15,560
Speaking of,
have you got your next one yet?
998
00:48:15,560 --> 00:48:17,295
I'm working on it.
999
00:48:17,295 --> 00:48:18,829
Got any ideas?
1000
00:48:18,829 --> 00:48:19,998
I might.
1001
00:48:20,999 --> 00:48:22,633
I just sell minibuses, me.
1002
00:48:22,633 --> 00:48:25,570
I used to sell vans. Any colour
you like so long as it's white.
1003
00:48:26,904 --> 00:48:28,339
Yeah, just kidding. Any road...
1004
00:48:28,339 --> 00:48:29,874
When I was selling vans,
1005
00:48:29,874 --> 00:48:33,311
I met hundreds, maybe thousands
of small businesses.
1006
00:48:33,311 --> 00:48:35,313
Who doesn't need a van, right?
1007
00:48:35,313 --> 00:48:38,649
But they all need money
to expand or survive.
1008
00:48:38,649 --> 00:48:40,851
Now, how's someone in London
1009
00:48:40,851 --> 00:48:43,821
supposed to decide if they're
a good investment, hmm?
1010
00:48:43,821 --> 00:48:46,757
I'm with Dave 100% on this.
1011
00:48:46,757 --> 00:48:50,161
I mean, what kind of world do we live in
1012
00:48:50,161 --> 00:48:51,862
where you can get prosecuted
1013
00:48:51,862 --> 00:48:53,931
for trying to help those
who need it the most?
1014
00:48:53,931 --> 00:48:55,266
It's all we're doing.
1015
00:48:55,266 --> 00:48:56,867
Are you hopeful of a good result?
1016
00:48:56,867 --> 00:48:59,104
If there's any sense
in the world, we are, yeah.
1017
00:48:59,104 --> 00:49:01,872
- Uh, no. We're... we're hopeful.
- We are.
1018
00:49:01,872 --> 00:49:04,042
- It's all you got, innit?
- Yes, it is.
1019
00:49:10,548 --> 00:49:12,683
Alright.
1020
00:49:16,154 --> 00:49:17,622
Case 1220.
1021
00:49:17,622 --> 00:49:20,525
Mr David Fishwick on a charge
of illegal money lending.
1022
00:49:20,525 --> 00:49:23,294
Loan sharking?
Sounds like the kind of thing
1023
00:49:23,294 --> 00:49:24,895
we should be kicking up to Crown court.
1024
00:49:24,895 --> 00:49:26,531
Hmm.
1025
00:49:26,531 --> 00:49:29,300
Your Honour, despite
the seriousness of the charge,
1026
00:49:29,300 --> 00:49:32,203
prosecution will not be seeking
a custodial sentence.
1027
00:49:32,203 --> 00:49:33,804
It can be dealt with here.
1028
00:49:33,804 --> 00:49:36,707
Oh, very well.
Mr Fishwick, how do you plead?
1029
00:49:36,707 --> 00:49:38,609
Not guilty, Your Honour.
1030
00:49:38,609 --> 00:49:40,878
Well, continue.
1031
00:49:42,713 --> 00:49:44,915
The documents in front of you
1032
00:49:44,915 --> 00:49:48,386
show that Mr Fishwick, through
his company Fishwick Motors,
1033
00:49:48,386 --> 00:49:54,159
made a loan of £1,100 on October 11, 2007
1034
00:49:54,159 --> 00:49:56,761
to a Mrs Maureen Clayton for...
1035
00:49:57,762 --> 00:49:59,730
funeral expenses.
1036
00:49:59,730 --> 00:50:02,500
Now, in the second document,
1037
00:50:02,500 --> 00:50:03,968
you will see that Fishwick Motors
1038
00:50:03,968 --> 00:50:06,104
is not authorised
to make a loan of that nature.
1039
00:50:07,105 --> 00:50:09,240
And the charge is loan sharking?
1040
00:50:09,240 --> 00:50:11,976
I am aware, Your Honour,
that the... the defendant
1041
00:50:11,976 --> 00:50:14,345
does not fit the usual image
of a loan shark.
1042
00:50:14,345 --> 00:50:17,082
However, the documents in front of you
1043
00:50:17,082 --> 00:50:18,916
prove beyond a shadow of a doubt
1044
00:50:18,916 --> 00:50:21,252
he has engaged in illegal money lending.
1045
00:50:21,252 --> 00:50:25,323
He has broken the law and must
now face the consequences.
1046
00:50:26,324 --> 00:50:28,593
Are you representing Mr Fishwick?
1047
00:50:28,593 --> 00:50:31,028
I am, Your Honour. Hugh
Stockwell. Bentham and Green.
1048
00:50:31,028 --> 00:50:34,165
And do you contest the veracity
of these documents?
1049
00:50:34,165 --> 00:50:35,766
We do not, Your Honour.
1050
00:50:35,766 --> 00:50:37,268
I'm assuming you will be presenting
1051
00:50:37,268 --> 00:50:39,104
some kind of defence for your client.
1052
00:50:39,104 --> 00:50:41,972
No. We accept that Mr Fishwick,
on a minor technicality,
1053
00:50:41,972 --> 00:50:43,774
did indeed break the law.
1054
00:50:43,774 --> 00:50:45,110
Well...
1055
00:50:45,110 --> 00:50:47,078
However...
1056
00:50:48,979 --> 00:50:51,382
we are asking that you throw the case out
1057
00:50:51,382 --> 00:50:54,319
on the basis that the complaint,
the charge and the prosecution
1058
00:50:54,319 --> 00:50:56,087
were brought with malicious intent.
1059
00:50:57,822 --> 00:51:01,392
And this malice
is directed towards Mr Fishwick?
1060
00:51:01,392 --> 00:51:03,461
The malice is directed
towards the people of Burnley,
1061
00:51:03,461 --> 00:51:04,462
Your Honour.
1062
00:51:04,462 --> 00:51:06,297
Oh, well,
1063
00:51:06,297 --> 00:51:08,833
all three of us on the bench
are residents to Burnley.
1064
00:51:08,833 --> 00:51:10,701
Are you saying the malice
is directed towards us?
1065
00:51:10,701 --> 00:51:12,470
Yes, it most certainly is.
1066
00:51:12,470 --> 00:51:14,805
You are being used
to enforce a corrupt scheme
1067
00:51:14,805 --> 00:51:16,474
by convicting my client.
1068
00:51:16,474 --> 00:51:18,709
I don't think we need to waste our time
1069
00:51:18,709 --> 00:51:20,745
listening to wild conspiracy theories.
1070
00:51:20,745 --> 00:51:23,314
No, of course not, Your Honour.
Of course not.
1071
00:51:23,314 --> 00:51:25,683
Uh, you may have noticed there's
a great deal of press interest
1072
00:51:25,683 --> 00:51:27,752
in this particular case.
1073
00:51:27,752 --> 00:51:30,488
They're looking for a story,
ideally a simple one,
1074
00:51:30,488 --> 00:51:33,191
where there's good guys and bad guys.
1075
00:51:35,793 --> 00:51:38,863
I would urge you to listen
to the evidence we have
1076
00:51:38,863 --> 00:51:41,466
before deciding which side you're on.
1077
00:51:47,572 --> 00:51:49,674
We will hear this case,
1078
00:51:49,674 --> 00:51:52,710
but, Mr Stockwell, I urge you to be brief.
1079
00:51:52,710 --> 00:51:54,345
This is not the Old Bailey
1080
00:51:54,345 --> 00:51:56,347
and this is not the time
for grandstanding.
1081
00:51:56,347 --> 00:51:58,216
Yes, I understand, Your Honour.
1082
00:51:58,216 --> 00:52:00,685
Um, but while this
might not be the Old Bailey,
1083
00:52:00,685 --> 00:52:03,688
the justice meted out here
is no less important
1084
00:52:03,688 --> 00:52:05,356
and no less worthy of our respect.
1085
00:52:05,356 --> 00:52:07,258
- Too bloody right.
1086
00:52:07,258 --> 00:52:08,759
Sorry.
1087
00:52:11,896 --> 00:52:14,632
I'd like to call Maureen Clayton
to the witness box.
1088
00:52:18,068 --> 00:52:21,539
Dave said he were happy
to pay for everything.
1089
00:52:21,539 --> 00:52:25,243
But in my whole life,
I've never taken a handout.
1090
00:52:25,243 --> 00:52:27,412
I've never taken charity.
1091
00:52:28,413 --> 00:52:29,980
It's just not me.
1092
00:52:29,980 --> 00:52:33,050
I'm the one who said it had to be a loan.
1093
00:52:33,050 --> 00:52:35,119
It had to be official.
1094
00:52:37,188 --> 00:52:40,991
There wasn't a single day
that Ron and I weren't together.
1095
00:52:43,428 --> 00:52:47,398
And suddenly, he were gone.
1096
00:52:47,398 --> 00:52:50,034
And I were all alone.
1097
00:52:52,937 --> 00:52:56,941
My mind is a total blank
about those first few days.
1098
00:52:56,941 --> 00:52:59,944
I must have been in a right state.
1099
00:53:02,112 --> 00:53:04,114
It were only...
1100
00:53:04,114 --> 00:53:08,386
after the funeral that
I started to come out of it.
1101
00:53:10,621 --> 00:53:12,790
And it weren't just Dave.
1102
00:53:12,790 --> 00:53:16,427
Friends, neighbours,
folk I hadn't seen for years.
1103
00:53:16,427 --> 00:53:19,564
They just popped by and told me
they were there for me.
1104
00:53:21,466 --> 00:53:23,934
It were the only thing that got me through
1105
00:53:23,934 --> 00:53:26,804
those days and nights.
1106
00:53:28,473 --> 00:53:31,409
And the loan from Dave
covered the funeral?
1107
00:53:33,143 --> 00:53:35,112
And you paid him back?
1108
00:53:35,112 --> 00:53:36,347
Every penny.
1109
00:53:37,982 --> 00:53:39,650
I gave Dave the money
1110
00:53:39,650 --> 00:53:42,620
and he gave it straight
to the homeless shelter.
1111
00:53:42,620 --> 00:53:47,191
You know, those poor people
really do need charity.
1112
00:53:48,259 --> 00:53:50,328
Thank you, Maureen.
1113
00:53:50,328 --> 00:53:51,962
Your Honour, I think it's clear
1114
00:53:51,962 --> 00:53:54,632
that the charge of loan sharking
is utterly absurd.
1115
00:53:54,632 --> 00:53:56,801
My client only had the best intentions
1116
00:53:56,801 --> 00:53:59,670
and the charge hinges
on a minor clerical error.
1117
00:54:02,006 --> 00:54:03,841
Also, I should point out
that these charges
1118
00:54:03,841 --> 00:54:06,311
were not brought
by the local Burnley police.
1119
00:54:06,311 --> 00:54:10,315
A team was sent all the way
from London to make the arrest.
1120
00:54:10,315 --> 00:54:11,916
Why all that time and effort
1121
00:54:11,916 --> 00:54:14,685
for a crime that doesn't even
merit a county court hearing?
1122
00:54:14,685 --> 00:54:17,822
Well, your answer is here.
1123
00:54:17,822 --> 00:54:19,824
Over the last year and a half,
1124
00:54:19,824 --> 00:54:24,194
Dave Fishwick has made
almost 200 perfectly legal loans
1125
00:54:24,194 --> 00:54:26,331
to individuals and businesses in Burnley.
1126
00:54:26,331 --> 00:54:29,567
These loans have created 150 jobs.
1127
00:54:30,568 --> 00:54:32,169
Here are the documents.
1128
00:54:32,169 --> 00:54:35,440
But now my client wishes to expand
1129
00:54:35,440 --> 00:54:37,608
in order to help more businesses
in Burnley.
1130
00:54:37,608 --> 00:54:39,109
But in order to do that,
1131
00:54:39,109 --> 00:54:41,011
he needs to be able to take deposits
1132
00:54:41,011 --> 00:54:43,180
so that he can reinvest that money.
1133
00:54:43,180 --> 00:54:45,049
So, a fortnight ago,
1134
00:54:45,049 --> 00:54:48,353
I submitted documentation to
the Financial Regulations Board
1135
00:54:48,353 --> 00:54:50,688
to get him the necessary accreditation.
1136
00:54:50,688 --> 00:54:55,426
And all of this is to stop him
getting that accreditation.
1137
00:54:56,394 --> 00:54:57,695
Why?
1138
00:54:57,695 --> 00:54:59,196
So they can preserve their monopoly.
1139
00:54:59,196 --> 00:55:01,231
But why all this?
1140
00:55:01,231 --> 00:55:03,368
Don't they have their own
evaluation procedures in London?
1141
00:55:03,368 --> 00:55:05,035
They do, Your Honour, yes, they do.
1142
00:55:05,035 --> 00:55:08,205
But I suspect they'd rather you
do their dirty work for them.
1143
00:55:08,205 --> 00:55:10,708
You can disqualify my client
in an instant.
1144
00:55:10,708 --> 00:55:13,744
I... I also suspect they'd
like to avoid media scrutiny.
1145
00:55:13,744 --> 00:55:15,880
Their image is already badly tarnished,
1146
00:55:15,880 --> 00:55:19,450
and this way, they're not the bad guys.
1147
00:55:19,450 --> 00:55:20,751
Who is?
1148
00:55:22,420 --> 00:55:23,588
You are.
1149
00:55:30,094 --> 00:55:31,962
We need to look at these documents.
1150
00:55:31,962 --> 00:55:33,898
Uh, we'll recess for lunch.
1151
00:55:33,898 --> 00:55:37,435
- Reconvene at, uh, 2pm.
1152
00:55:40,137 --> 00:55:41,839
- Hey.
Hey.
1153
00:55:41,839 --> 00:55:44,409
- You're doing alright in there.
- Thank you.
1154
00:55:44,409 --> 00:55:47,912
Yeah, not quite Tom Cruise in
'A Few Good Men' levels, but...
1155
00:55:47,912 --> 00:55:49,414
- Getting there. Yeah.
- Yes.
1156
00:55:49,414 --> 00:55:50,848
I think... I think
there's elements.
1157
00:55:50,848 --> 00:55:52,683
- There's definitely elements.
- Thank you.
1158
00:55:52,683 --> 00:55:57,422
Um... my contact in Bolton Police
is here and she got a name.
1159
00:55:57,422 --> 00:55:59,457
- Yeah?
- Sir Charles Denbigh?
1160
00:56:00,458 --> 00:56:02,259
No, you're kidding me?
1161
00:56:02,259 --> 00:56:04,261
- Yeah.
- Oh, that piece of...
1162
00:56:04,261 --> 00:56:05,763
I met him,
1163
00:56:05,763 --> 00:56:08,399
but I didn't give him enough
information to start all this.
1164
00:56:09,800 --> 00:56:11,636
I... I don't understand.
1165
00:56:14,138 --> 00:56:15,873
Have you got a plan?
1166
00:56:15,873 --> 00:56:17,875
Yeah, maybe.
1167
00:56:17,875 --> 00:56:19,644
- Why?
- You...
1168
00:56:19,644 --> 00:56:21,546
You're doing that brow-furrowing thing.
1169
00:56:21,546 --> 00:56:22,880
- Am I?
- Yeah.
1170
00:56:22,880 --> 00:56:25,015
- OK, sorry. I don't know what...
- Don't apologise.
1171
00:56:25,015 --> 00:56:27,952
It's... it's sweet.
It's, um...
1172
00:56:27,952 --> 00:56:29,820
- Um, so...
- What? 'Sweet'?
1173
00:56:29,820 --> 00:56:31,656
What...
What's the plan?
1174
00:56:37,161 --> 00:56:38,796
Alright, let's continue.
1175
00:56:38,796 --> 00:56:40,965
Mr Stockwell. Mr Fishwick.
1176
00:56:40,965 --> 00:56:43,568
All of this is very impressive.
1177
00:56:43,568 --> 00:56:46,637
And you are to be congratulated,
Mr Fishwick,
1178
00:56:46,637 --> 00:56:48,473
for all you have done for our community.
1179
00:56:48,473 --> 00:56:50,140
Whilst there is no question
1180
00:56:50,140 --> 00:56:52,342
that the law has indeed been broken,
1181
00:56:52,342 --> 00:56:54,812
uh, your argument
1182
00:56:54,812 --> 00:56:58,649
that the prosecution
was malicious is compelling.
1183
00:56:58,649 --> 00:57:02,152
However, in order for us
to throw this case out,
1184
00:57:02,152 --> 00:57:04,922
we need proof beyond reasonable doubt
1185
00:57:04,922 --> 00:57:08,058
that the banks were indeed behind it.
1186
00:57:09,059 --> 00:57:11,328
Do you have this proof?
1187
00:57:11,328 --> 00:57:13,363
I do not.
1188
00:57:13,363 --> 00:57:16,333
In which case, unfortunately...
1189
00:57:16,333 --> 00:57:17,668
But...
1190
00:57:17,668 --> 00:57:19,570
perhaps the prosecution
1191
00:57:19,570 --> 00:57:21,506
has what you're looking for.
1192
00:57:21,506 --> 00:57:23,173
Excuse me?
1193
00:57:23,173 --> 00:57:24,609
When you were given this case,
1194
00:57:24,609 --> 00:57:26,410
surely the police gave you all the details
1195
00:57:26,410 --> 00:57:27,845
about where the complaint originated.
1196
00:57:27,845 --> 00:57:29,847
That's standard procedure, isn't it?
1197
00:57:29,847 --> 00:57:33,551
Well, in this case, no.
I don't have those details.
1198
00:57:33,551 --> 00:57:35,920
- You don't?
- No.
1199
00:57:37,221 --> 00:57:39,089
Seems odd.
1200
00:57:40,090 --> 00:57:42,493
OK, so let me get this clear.
1201
00:57:43,561 --> 00:57:45,530
- An anonymous tip.
1202
00:57:45,530 --> 00:57:47,131
The kind that causes a team
1203
00:57:47,131 --> 00:57:49,233
to be sent all the way from London
1204
00:57:49,233 --> 00:57:51,769
to arrest someone
for filling out the wrong form.
1205
00:57:51,769 --> 00:57:54,605
I have no idea.
1206
00:57:54,605 --> 00:57:56,641
And I have no idea what you want from me.
1207
00:57:56,641 --> 00:57:58,809
Well, I'd like the truth, if possible.
1208
00:57:58,809 --> 00:58:02,312
Your Honour, this is outrageous!
I'm not on trial here.
1209
00:58:02,312 --> 00:58:05,415
Well, perhaps you should be.
This is a court of law, sir.
1210
00:58:05,415 --> 00:58:08,085
If you lie in here, it's called perjury.
1211
00:58:08,085 --> 00:58:10,621
- Uh, Mr Stockwell.
- Apologies, Your Honour.
1212
00:58:14,358 --> 00:58:15,893
Very well.
1213
00:58:15,893 --> 00:58:18,395
Then as my next witness, I'd
like to call a senior officer
1214
00:58:18,395 --> 00:58:19,930
from the Bolton Police Force.
1215
00:58:19,930 --> 00:58:21,966
This individual has
firsthand knowledge of the case
1216
00:58:21,966 --> 00:58:24,334
and will confirm
that the original complaint
1217
00:58:24,334 --> 00:58:27,905
came from the office
of Sir Charles Denbigh,
1218
00:58:27,905 --> 00:58:30,074
formerly of
the Financial Regulations Board.
1219
00:58:30,074 --> 00:58:33,310
He is one of the most
senior bankers in the country.
1220
00:58:33,310 --> 00:58:35,412
And the prosecution is fully
aware of his role in the case,
1221
00:58:35,412 --> 00:58:38,649
but, regrettably,
has chosen to lie about it.
1222
00:58:38,649 --> 00:58:41,418
- May I approach the bench?
- No.
1223
00:58:43,621 --> 00:58:45,923
I was asked to keep his name out of it.
1224
00:58:45,923 --> 00:58:48,559
Ha! Asked by whom?
1225
00:58:49,627 --> 00:58:51,261
I'm not at liberty to say.
1226
00:58:51,261 --> 00:58:54,431
We will not accept this kind of subterfuge
1227
00:58:54,431 --> 00:58:57,301
and obfuscation in this courtroom.
1228
00:58:58,302 --> 00:59:00,605
- Your Honour...
- No, enough.
1229
00:59:00,605 --> 00:59:02,206
You are on very thin ice.
1230
00:59:02,206 --> 00:59:03,841
Your Honour, seeing as the prosecution
1231
00:59:03,841 --> 00:59:06,143
has admitted perjury,
I think a mistrial is in order.
1232
00:59:06,143 --> 00:59:07,311
No!
1233
00:59:07,311 --> 00:59:09,313
I can do better than that, Mr Stockwell.
1234
00:59:09,313 --> 00:59:11,281
Case dismissed!
1235
00:59:15,052 --> 00:59:17,121
- Ohhh! Yes.
Is that it?
1236
00:59:17,121 --> 00:59:19,289
- Yeah.
Oh, my God!
1237
00:59:19,289 --> 00:59:20,991
- We won?
- Yes.
1238
00:59:22,059 --> 00:59:24,161
Get in!
1239
00:59:27,031 --> 00:59:28,999
You were a bloody star.
1240
00:59:28,999 --> 00:59:32,302
The war's only just begun. That
was only the first battle, Dave.
1241
00:59:32,302 --> 00:59:35,139
Which we won.
So let's celebrate, huh?
1242
00:59:35,139 --> 00:59:37,141
Now, we're all going back to ours after.
1243
00:59:37,141 --> 00:59:38,676
You're welcome to stay over.
1244
00:59:38,676 --> 00:59:40,845
Hey, Leanne. Have some bubbles.
1245
00:59:42,880 --> 00:59:44,481
What do you think of him, sis?
1246
00:59:44,481 --> 00:59:46,150
Not bad-looking for a socialist.
1247
00:59:46,150 --> 00:59:48,085
He's from London.
1248
00:59:48,085 --> 00:59:50,988
They have socialists there too.
1249
00:59:50,988 --> 00:59:53,758
I didn't mean that.
I just meant, you know, he's...
1250
00:59:53,758 --> 00:59:57,327
He's a lawyer. He's... he's
part of the establishment.
1251
00:59:57,327 --> 00:59:59,163
I spoke to Eric, who, as you know,
1252
00:59:59,163 --> 01:00:00,898
is slightly more left-wing than Karl Marx.
1253
01:00:00,898 --> 01:00:01,932
Mm-hm.
1254
01:00:01,932 --> 01:00:03,367
After hearing him in court,
1255
01:00:03,367 --> 01:00:05,069
he thought he was one of your lot.
1256
01:00:06,704 --> 01:00:08,238
He did good.
1257
01:00:09,206 --> 01:00:12,943
Well, despite coming from London,
1258
01:00:12,943 --> 01:00:15,545
and despite being a lawyer,
which is even worse,
1259
01:00:15,545 --> 01:00:17,347
you did good today.
1260
01:00:17,347 --> 01:00:19,216
- Thank you.
- No, thank you.
1261
01:00:19,216 --> 01:00:21,018
I think your testimony was the clincher.
1262
01:00:21,018 --> 01:00:23,553
Without that, Dave would
probably be banged-up now.
1263
01:00:23,553 --> 01:00:25,055
- No?
- Yeah.
1264
01:00:25,055 --> 01:00:26,523
He's kidding you, Maureen.
1265
01:00:26,523 --> 01:00:28,358
Dave spent more on champagne tonight
1266
01:00:28,358 --> 01:00:30,194
than he would've had to pay in fines.
1267
01:00:30,194 --> 01:00:32,396
Right, everybody!
- Oh, you bugger.
1268
01:00:32,396 --> 01:00:33,798
Everybody!
1269
01:00:33,798 --> 01:00:36,867
This is a celebration,
so you know what that means.
1270
01:00:38,869 --> 01:00:42,039
A night without singing
is like a day without sunshine.
1271
01:00:42,039 --> 01:00:44,809
I don't know if you've noticed,
Dave, but this is Burnley.
1272
01:00:44,809 --> 01:00:47,144
Days without sunshine are not bloody rare.
1273
01:00:47,144 --> 01:00:48,578
You get my point, anyway. Right.
1274
01:00:48,578 --> 01:00:50,380
You can all join in with this one.
1275
01:00:50,380 --> 01:00:52,416
One of the greatest rock anthems
of all time.
1276
01:00:52,416 --> 01:00:53,751
- Oh!
1277
01:00:56,220 --> 01:01:00,057
Go on! Go on, Dave!
1278
01:01:03,093 --> 01:01:05,763
This is his natural home, isn't it?
1279
01:01:05,763 --> 01:01:07,397
Put your hands together.
1280
01:01:39,529 --> 01:01:40,965
Come on. Sing it with me!
1281
01:01:40,965 --> 01:01:43,533
♪ All right now
1282
01:02:27,477 --> 01:02:30,514
Ohh.
1283
01:02:31,515 --> 01:02:33,017
Oh, God.
1284
01:02:45,062 --> 01:02:47,664
- Oh, hello. Hi.
- Morning.
1285
01:02:47,664 --> 01:02:50,100
Uh, I think Dave's doing breakfast.
1286
01:02:50,100 --> 01:02:52,369
OK, I'll be down
in... in a minute.
1287
01:02:52,369 --> 01:02:53,603
OK.
1288
01:03:02,079 --> 01:03:04,181
Oh, dear.
1289
01:03:04,181 --> 01:03:05,850
Ah, here he is!
1290
01:03:05,850 --> 01:03:07,684
- Doctor, he's alive!
Yeah.
1291
01:03:07,684 --> 01:03:09,553
Here. Get some of this down you.
1292
01:03:09,553 --> 01:03:11,688
Bloody ages
since I've had a proper fry-up.
1293
01:03:11,688 --> 01:03:14,224
Oh, Rick Purdy rang.
1294
01:03:14,224 --> 01:03:16,526
His son's band's playing
in Burnley tonight.
1295
01:03:16,526 --> 01:03:18,028
Ha! That'll help the hangover.
1296
01:03:18,028 --> 01:03:19,463
You're staying in
with me tonight, darling.
1297
01:03:19,463 --> 01:03:20,865
Yes, I know.
1298
01:03:20,865 --> 01:03:22,699
That sounds like the perfect
hangover cure, actually.
1299
01:03:22,699 --> 01:03:25,369
- I'm in.
- Yeah. Yeah, me too.
1300
01:03:25,369 --> 01:03:29,506
Right, I declare Café Dave open!
1301
01:03:39,884 --> 01:03:42,386
I'm sure you heard that your friend,
1302
01:03:42,386 --> 01:03:45,890
the one who isn't a high-flyer,
just wiped the floor with us.
1303
01:03:45,890 --> 01:03:48,558
I was surprised.
1304
01:03:48,558 --> 01:03:51,728
Especially as I was led to
believe it was all in hand.
1305
01:03:51,728 --> 01:03:54,431
I saw an opportunity and I took it.
1306
01:03:55,599 --> 01:04:00,304
Unfortunately, the threat
remains and it affects us all.
1307
01:04:01,605 --> 01:04:03,607
I'm sorry, I'm afraid I don't understand
1308
01:04:03,607 --> 01:04:05,175
the reason for all this panic.
1309
01:04:06,476 --> 01:04:08,278
Just because a white van man
1310
01:04:08,278 --> 01:04:10,580
from some Northern shithole wants a bank
1311
01:04:10,580 --> 01:04:12,849
doesn't mean
the barbarians are at the gate,
1312
01:04:12,849 --> 01:04:14,952
or... or we all need
to move to DEFCON 4.
1313
01:04:14,952 --> 01:04:16,686
So you're not suggesting that we give in?
1314
01:04:16,686 --> 01:04:18,088
Well, of course not.
1315
01:04:18,088 --> 01:04:21,325
The whole idea is absurd, but...
1316
01:04:21,325 --> 01:04:24,061
let's not lose sight
of the bigger picture here.
1317
01:04:25,295 --> 01:04:28,865
The whole financial system
is built on trust.
1318
01:04:28,865 --> 01:04:31,268
We spend billions every year
1319
01:04:31,268 --> 01:04:33,270
trying to persuade the great unwashed
1320
01:04:33,270 --> 01:04:36,273
that we are the... the...
the caring, sharing bank,
1321
01:04:36,273 --> 01:04:39,309
or whatever other nonsense
our advertisers come up with.
1322
01:04:39,309 --> 01:04:43,147
And yet, we still come across as entitled,
1323
01:04:43,147 --> 01:04:45,315
untrustworthy arseholes.
1324
01:04:45,315 --> 01:04:47,284
So what are you suggesting?
1325
01:04:47,284 --> 01:04:49,619
Well, just that we start
playing by the rules,
1326
01:04:49,619 --> 01:04:53,390
and insisting that everyone else does too.
1327
01:04:54,824 --> 01:04:56,593
Of course, we still hold the trump card.
1328
01:04:57,594 --> 01:04:59,129
Which is?
1329
01:04:59,129 --> 01:05:01,765
Well, we make the rules.
1330
01:05:04,434 --> 01:05:06,170
It's hard to believe
1331
01:05:06,170 --> 01:05:09,039
this was once one of
the richest towns in England.
1332
01:05:09,039 --> 01:05:11,241
- What, really?
- Yeah.
1333
01:05:11,241 --> 01:05:13,677
Yeah, more cloth and more looms
were made here
1334
01:05:13,677 --> 01:05:15,312
than anywhere else in the world.
1335
01:05:15,312 --> 01:05:18,015
Well, it has its charms, I think.
1336
01:05:20,517 --> 01:05:24,989
In London, I live a life
of quiet desperation, really.
1337
01:05:24,989 --> 01:05:27,457
But I don't feel that here
and I don't know why.
1338
01:05:29,393 --> 01:05:32,329
- There may be hope for you yet.
- Oh, shut up.
1339
01:05:35,865 --> 01:05:37,701
So, I think this...
1340
01:05:37,701 --> 01:05:40,337
Is this it?
- I think this is it, is it?
1341
01:05:40,337 --> 01:05:41,771
Hello.
Hey.
1342
01:05:41,771 --> 01:05:43,540
How you doing?
1343
01:05:43,540 --> 01:05:46,343
I feel like we've entered a time warp.
1344
01:05:46,343 --> 01:05:49,013
Is this the right place?
Yeah. Rick!
1345
01:05:49,013 --> 01:05:50,514
Yeah.
- You alright, Hugh?
1346
01:05:50,514 --> 01:05:52,516
- Hey, how are you doing?
- How's the North treating you?
1347
01:05:52,516 --> 01:05:54,284
- Yes, it's alright.
- Hello. I'm Rick.
1348
01:05:54,284 --> 01:05:56,353
- Hey. Alexandra.
- Nice to meet you. Want a drink?
1349
01:05:56,353 --> 01:05:57,887
Uh, yes, please. Um...
1350
01:05:57,887 --> 01:05:59,723
- Uh, I'll have one of those.
- Yeah, me too.
1351
01:05:59,723 --> 01:06:01,358
Yeah? Two of the same, please.
1352
01:06:01,358 --> 01:06:02,559
- Rick, Rick...
- Yeah?
1353
01:06:02,559 --> 01:06:04,361
What was it like working with Def Leppard?
1354
01:06:04,361 --> 01:06:06,363
- I have to ask you.
- Oh, man, it was amazing.
1355
01:06:06,363 --> 01:06:08,032
- It was, um...
- Yeah?
1356
01:06:08,032 --> 01:06:10,367
Yeah. I had the time of my life
with those boys.
1357
01:06:10,367 --> 01:06:13,470
In fact, I was out for a pint
with Rick and Joe two weeks ago.
1358
01:06:13,470 --> 01:06:14,971
Oh, shut up, you weren't!
Really?
1359
01:06:14,971 --> 01:06:16,473
Reminiscing about the time on the road.
1360
01:06:16,473 --> 01:06:18,075
- I can't believe... What?
- The good old days.
1361
01:06:18,075 --> 01:06:19,609
Are you a massive Def Leppard fan?
1362
01:06:19,609 --> 01:06:21,878
- Uh... yeah.
- He is, yeah.
1363
01:06:21,878 --> 01:06:23,547
Are you not a Def Leppard fan?
1364
01:06:23,547 --> 01:06:26,383
I know who they are. I don't
know if I could name a song.
1365
01:06:26,383 --> 01:06:27,884
- Thank you. See, that's weird.
- Thanks.
1366
01:06:27,884 --> 01:06:29,919
I think that's... I think that's
your upbringing in Burnley.
1367
01:06:29,919 --> 01:06:31,488
- Very sheltered.
- Oh, right, very sheltered?
1368
01:06:31,488 --> 01:06:33,057
- Your sheltered upbringing.
- Burnley? Aren't they?
1369
01:06:33,057 --> 01:06:34,558
Come on, they're on!
1370
01:06:34,558 --> 01:06:35,992
Your Def Leppard-less upbringing.
1371
01:06:35,992 --> 01:06:37,827
Pretty sure they're a Northern band.
1372
01:06:37,827 --> 01:06:39,063
Who?
1373
01:06:39,063 --> 01:06:40,764
Shut up!
1374
01:07:02,452 --> 01:07:04,121
- Yeah, they're good.
- Yeah.
1375
01:07:34,751 --> 01:07:36,953
You alright?
- Hey.
1376
01:07:36,953 --> 01:07:38,722
- What you reckon?
- Yeah, they're great.
1377
01:07:38,722 --> 01:07:40,290
- They're good, ain't they?
- They're great.
1378
01:07:40,290 --> 01:07:42,159
- Thanks for coming.
- Thanks for inviting us.
1379
01:07:42,159 --> 01:07:43,827
- Cheers. Enjoy.
- Cheers.
1380
01:07:43,827 --> 01:07:45,962
Thanks.
1381
01:07:53,737 --> 01:07:55,339
Oh, no, no, no.
Wait, wait, wait, wait!
1382
01:08:00,310 --> 01:08:01,478
No.
1383
01:08:01,478 --> 01:08:03,180
How could you not know this song?
1384
01:08:03,180 --> 01:08:05,182
- I don't know this song.
- I thought you were cool!
1385
01:08:05,182 --> 01:08:07,417
- It's a good song, though.
- Thought you were a cool person.
1386
01:08:07,417 --> 01:08:08,652
- Great song.
- Thank you.
1387
01:08:23,700 --> 01:08:25,202
Thanks.
1388
01:08:28,037 --> 01:08:30,006
- I had fun tonight.
Yeah, me too.
1389
01:08:30,006 --> 01:08:31,175
Yeah.
1390
01:08:31,175 --> 01:08:33,177
This place is constantly surprising me.
1391
01:08:33,177 --> 01:08:36,680
Yeah, it's been a while since
I haven't thought about work,
1392
01:08:36,680 --> 01:08:38,682
so... thanks.
1393
01:08:38,682 --> 01:08:40,450
I'm glad.
1394
01:08:40,450 --> 01:08:43,119
- Right, well...
- Do you want a cup of tea?
1395
01:08:43,119 --> 01:08:44,388
Yes, please.
1396
01:08:45,989 --> 01:08:47,857
Uh, hold on.
1397
01:08:47,857 --> 01:08:49,559
Sorry.
1398
01:08:50,494 --> 01:08:52,229
- Thanks.
- Thank you.
1399
01:09:23,593 --> 01:09:25,429
Hey, Clarence.
1400
01:09:26,630 --> 01:09:28,198
Oh, really?
1401
01:09:29,799 --> 01:09:30,834
OK, great.
1402
01:09:30,834 --> 01:09:32,402
Um...
1403
01:09:32,402 --> 01:09:34,003
Uh...
1404
01:09:34,003 --> 01:09:35,905
OK. I, um... I have to go.
1405
01:09:35,905 --> 01:09:37,907
But great. OK. 'Bye.
1406
01:09:37,907 --> 01:09:39,776
- Sorry.
- Hello.
1407
01:09:39,776 --> 01:09:41,745
Hi. Morning.
I... I brought you a tea.
1408
01:09:41,745 --> 01:09:43,613
- Ha! Thank you.
1409
01:09:43,613 --> 01:09:46,416
- Uh, where are you going?
- Work.
1410
01:09:46,416 --> 01:09:48,285
It's Sunday.
1411
01:09:48,285 --> 01:09:51,288
Yeah. People
still get sick on weekends.
1412
01:09:52,456 --> 01:09:53,923
Aha.
1413
01:09:53,923 --> 01:09:55,992
Hmm. That was my boss.
1414
01:09:56,960 --> 01:09:59,429
I've got a meeting about Bank of Dave
1415
01:09:59,429 --> 01:10:01,531
at the Financial Regulations
Board tomorrow afternoon.
1416
01:10:01,531 --> 01:10:04,434
- Well, that's good news, right?
- Yeah.
1417
01:10:04,434 --> 01:10:06,803
I mean, they'll probably
still turn us down, but...
1418
01:10:07,971 --> 01:10:10,206
Maybe you could come to London?
1419
01:10:10,206 --> 01:10:12,208
I've got a sofa for you.
1420
01:10:12,208 --> 01:10:14,478
And it's about the same as this sofa.
1421
01:10:16,212 --> 01:10:19,616
I'd love to,
but... I'm on call all week.
1422
01:10:19,616 --> 01:10:23,853
But, um, I'll be keeping
my fingers crossed for you.
1423
01:10:24,854 --> 01:10:26,356
Thanks.
1424
01:10:29,359 --> 01:10:31,561
- I should probably go.
- Yeah.
1425
01:10:31,561 --> 01:10:33,963
But, um, you can let yourself out.
1426
01:10:33,963 --> 01:10:35,832
- Really?
- Yeah.
1427
01:10:37,667 --> 01:10:38,968
'Bye.
1428
01:10:38,968 --> 01:10:40,003
'Bye.
1429
01:10:40,003 --> 01:10:41,170
'Bye!
1430
01:11:00,023 --> 01:11:01,825
So, what are they gonna ask us?
1431
01:11:01,825 --> 01:11:03,960
I don't know, Dave.
I've never done this before.
1432
01:11:04,894 --> 01:11:06,330
But neither have they.
1433
01:11:06,330 --> 01:11:07,997
I'm out of my depth here, mate.
1434
01:11:07,997 --> 01:11:10,334
Listen, we've answered every
single one of their questions
1435
01:11:10,334 --> 01:11:11,935
and concerns in the application.
1436
01:11:11,935 --> 01:11:13,870
After what happened
in the Burnley Magistrates',
1437
01:11:13,870 --> 01:11:16,172
they're fully aware of
the media interest in this case.
1438
01:11:16,172 --> 01:11:18,007
They are going to turn you down.
1439
01:11:18,007 --> 01:11:20,444
They're going to have to think
of some clever way to say
1440
01:11:20,444 --> 01:11:22,879
you're not the right type
of chap to run a bank.
1441
01:11:22,879 --> 01:11:25,048
- I'm probably not, am I?
1442
01:11:25,048 --> 01:11:26,683
- Hello.
- Hello.
1443
01:11:26,683 --> 01:11:29,519
- Here to see Edward De Thame.
- Of course.
1444
01:11:29,519 --> 01:11:31,521
Mr Fishwick, you've asked us to approve
1445
01:11:31,521 --> 01:11:33,390
the formation of a new bank.
1446
01:11:33,390 --> 01:11:38,462
We've studied your, um...
your impressive proposal.
1447
01:11:38,462 --> 01:11:40,296
And we're unanimous.
1448
01:11:40,296 --> 01:11:42,599
The answer is yes.
1449
01:11:44,167 --> 01:11:45,869
Hmm.
1450
01:11:45,869 --> 01:11:48,538
Of course, the Bank of... Dave
1451
01:11:48,538 --> 01:11:50,139
will be subject to the same rules
1452
01:11:50,139 --> 01:11:51,741
as every other bank in the country.
1453
01:11:51,741 --> 01:11:55,078
Transparency is
critically important these days.
1454
01:11:55,078 --> 01:11:56,580
You'll need an IT system
1455
01:11:56,580 --> 01:11:59,383
that tracks every transaction
in real time.
1456
01:11:59,383 --> 01:12:02,151
Yes, we're going to need
monthly audited reports.
1457
01:12:02,151 --> 01:12:04,588
Getting the system set up
is the hard part.
1458
01:12:04,588 --> 01:12:07,223
After that,
everything should run smoothly.
1459
01:12:07,223 --> 01:12:08,492
And lastly,
1460
01:12:08,492 --> 01:12:10,494
there's the standard capital requirements
1461
01:12:10,494 --> 01:12:11,995
that apply to all banks.
1462
01:12:11,995 --> 01:12:15,732
Taking into account the intended
scale of your operation,
1463
01:12:15,732 --> 01:12:18,167
uh, we've arrived at a figure of, um...
1464
01:12:18,167 --> 01:12:19,536
Hmm?
1465
01:12:20,470 --> 01:12:21,671
£12 million.
1466
01:12:21,671 --> 01:12:24,574
Which we'd need deposited in 90 days.
1467
01:12:31,781 --> 01:12:34,083
Thank you very much.
1468
01:12:43,660 --> 01:12:45,629
Doors opening.
1469
01:12:49,399 --> 01:12:52,536
Don't have a clue how
I'm gonna raise 12 million quid.
1470
01:12:52,536 --> 01:12:55,138
Well, you know, there's
no rules against borrowing it.
1471
01:12:56,072 --> 01:12:58,141
What, you think the banks
are gonna help us?
1472
01:12:59,175 --> 01:13:01,478
No, probably not.
1473
01:13:01,478 --> 01:13:03,947
Um, we could look at
institutional investors.
1474
01:13:03,947 --> 01:13:05,815
That kind of money is just
a drop in the ocean for them.
1475
01:13:05,815 --> 01:13:10,019
No. It's gotta be a local bank
set up with local money.
1476
01:13:11,655 --> 01:13:15,459
Probably raise 4 mill against
the business and the house.
1477
01:13:15,459 --> 01:13:18,828
Maybe another couple
from businesses I've helped.
1478
01:13:20,497 --> 01:13:22,131
Well, you're nearly halfway there.
1479
01:13:23,733 --> 01:13:25,301
Better get back to Burnley, then,
1480
01:13:25,301 --> 01:13:27,504
see if I can rustle up
another 6 million quid.
1481
01:13:27,504 --> 01:13:29,806
Yeah. Right.
What you want me to do?
1482
01:13:29,806 --> 01:13:32,742
Nah. You've done everything
asked of you and more, Hugh.
1483
01:13:32,742 --> 01:13:34,844
This next part's down to me.
1484
01:13:34,844 --> 01:13:36,345
Thanks for everything, mate.
1485
01:13:40,049 --> 01:13:43,487
Um, OK, yeah. Uh, well,
let me know how it goes.
1486
01:13:43,487 --> 01:13:45,622
You got it. Take care.
1487
01:13:50,527 --> 01:13:53,697
Our very own superstar lawyer is back.
1488
01:13:53,697 --> 01:13:56,700
You went full Perry Mason in
the Burnley Magistrates' Court.
1489
01:13:56,700 --> 01:13:57,767
Well...
1490
01:13:57,767 --> 01:14:00,436
A memento of your courtroom triumph.
1491
01:14:00,436 --> 01:14:02,171
I have more good news.
1492
01:14:02,171 --> 01:14:03,607
Neo Clarity Capital Partners
1493
01:14:03,607 --> 01:14:05,842
want us to take over all their legal work
1494
01:14:05,842 --> 01:14:07,677
and they want you to take the lead.
1495
01:14:07,677 --> 01:14:09,345
OK, that's good news, right?
1496
01:14:09,345 --> 01:14:10,947
Spectacularly so.
1497
01:14:10,947 --> 01:14:13,282
It means our billings
more than double overnight.
1498
01:14:13,282 --> 01:14:17,854
It also means a six-figure bonus
for you on signature.
1499
01:14:19,856 --> 01:14:21,290
Wow, that's great.
1500
01:14:21,290 --> 01:14:22,792
Now, they want you to be exclusive,
1501
01:14:22,792 --> 01:14:24,861
but I figure that shouldn't be a problem.
1502
01:14:24,861 --> 01:14:27,196
Your work for Dave Fishwick
is pretty much done.
1503
01:14:27,196 --> 01:14:30,800
Unless you know a way to help
him raise 12 million quid.
1504
01:14:30,800 --> 01:14:32,201
Hmm.
1505
01:14:32,201 --> 01:14:35,138
Anyway, I'll give you time
to process this.
1506
01:14:35,138 --> 01:14:38,908
But I do need to get back
to them first thing tomorrow.
1507
01:14:40,577 --> 01:14:43,913
And while there are a number
of people, including myself,
1508
01:14:43,913 --> 01:14:46,550
who were impressed
by your success in the North,
1509
01:14:46,550 --> 01:14:50,820
there are others who don't take
kindly to the public humiliation
1510
01:14:50,820 --> 01:14:53,156
of a scion of the financial establishment.
1511
01:14:53,156 --> 01:14:56,826
So, if you do walk away
from this opportunity,
1512
01:14:56,826 --> 01:15:00,229
the chance of any more work
in your only area of expertise
1513
01:15:00,229 --> 01:15:02,932
is close to zero.
1514
01:15:04,100 --> 01:15:05,802
I understand.
1515
01:15:31,127 --> 01:15:33,763
Hey, it's
Alexandra. Leave a message.
1516
01:15:33,763 --> 01:15:35,264
- Hey!
1517
01:15:35,264 --> 01:15:38,301
Hey, sorry.
Shouted that. Um...
1518
01:15:39,636 --> 01:15:43,372
I just thought I'd ring
and... see how you're doing.
1519
01:15:43,372 --> 01:15:46,309
Uh, things are pretty crazy
here in London.
1520
01:15:47,310 --> 01:15:49,478
It's boring, isn't it? Um...
1521
01:15:50,747 --> 01:15:53,482
But, yeah, hope you're good.
1522
01:15:54,651 --> 01:15:58,955
Hopefully we can see
each other again somewhere...
1523
01:15:58,955 --> 01:16:01,524
sometime soon.
1524
01:16:02,859 --> 01:16:04,493
If... if that's...
1525
01:16:04,493 --> 01:16:06,630
You know, if that's, um...
1526
01:16:06,630 --> 01:16:08,064
I'm...
1527
01:16:08,064 --> 01:16:09,733
Just... Sorry, nonsense.
1528
01:16:09,733 --> 01:16:11,835
Anyway, give me a call.
1529
01:16:18,541 --> 01:16:20,176
I miss you.
1530
01:16:28,017 --> 01:16:29,352
Yeah.
1531
01:17:00,316 --> 01:17:02,185
No!
1532
01:17:02,185 --> 01:17:03,853
We'll take over his accounts slowly,
1533
01:17:03,853 --> 01:17:05,488
so that he doesn't realise.
1534
01:17:06,723 --> 01:17:08,557
You stole from me.
1535
01:17:08,557 --> 01:17:11,227
- I'm in a meeting.
- She stole from me.
1536
01:17:12,561 --> 01:17:15,064
You two can leave. We'll finish
this on Monday morning.
1537
01:17:15,064 --> 01:17:17,233
Oh, you're not going to admit to it?
1538
01:17:17,233 --> 01:17:19,202
- Why should I?
1539
01:17:19,202 --> 01:17:21,204
I saw an opportunity and I took it.
1540
01:17:21,204 --> 01:17:22,806
An opportunity for what, Hen?
1541
01:17:22,806 --> 01:17:24,974
I was in a bad way, remember?
1542
01:17:24,974 --> 01:17:26,976
I thought I was going to lose my job.
1543
01:17:26,976 --> 01:17:29,078
Instead, I got a promotion.
1544
01:17:29,078 --> 01:17:30,714
Did it not occur to you
1545
01:17:30,714 --> 01:17:32,716
you might be putting people's
livelihoods at risk with this?
1546
01:17:32,716 --> 01:17:35,651
Oh, please. Since when were you
the bleeding heart liberal?
1547
01:17:35,651 --> 01:17:37,486
You were the one who gave me the idea
1548
01:17:37,486 --> 01:17:38,888
to go to Sir Charles Denbigh
1549
01:17:38,888 --> 01:17:40,489
when you mentioned him at dinner.
1550
01:17:40,489 --> 01:17:42,726
And you've not done
too badly out of it, have you?
1551
01:17:42,726 --> 01:17:43,927
Meaning what?
1552
01:17:43,927 --> 01:17:45,929
How do you think
you got such a high-paying gig
1553
01:17:45,929 --> 01:17:46,930
at Neo Clarity?
1554
01:17:46,930 --> 01:17:48,932
- You tell me.
1555
01:17:48,932 --> 01:17:51,300
Giles put you up for it.
1556
01:17:51,300 --> 01:17:53,737
He and Sir Charles
wanted you out of the picture
1557
01:17:53,737 --> 01:17:56,439
while the Bank of Dave
faded into obscurity.
1558
01:17:56,439 --> 01:17:58,574
No.
1559
01:17:58,574 --> 01:18:01,277
They bought you off.
That's what they always do.
1560
01:18:01,277 --> 01:18:04,213
Section 29, paragraph 14k.
1561
01:18:05,815 --> 01:18:07,784
The new wording works for me.
1562
01:18:09,618 --> 01:18:11,187
We're all good.
1563
01:18:11,187 --> 01:18:13,089
Great work, Hugh.
1564
01:18:43,987 --> 01:18:46,322
Do you consider this to be good news?
1565
01:18:47,824 --> 01:18:49,325
If the government
1566
01:18:49,325 --> 01:18:50,894
hadn't consistently lowered bank charges
1567
01:18:50,894 --> 01:18:52,561
to make itself look good.
1568
01:18:52,561 --> 01:18:53,997
Oh.
1569
01:18:53,997 --> 01:18:55,631
I suspect that the government
will use this
1570
01:18:55,631 --> 01:18:58,301
as an excuse to make further savings.
1571
01:18:58,301 --> 01:19:01,805
It was then the Lord replied,
1572
01:19:01,805 --> 01:19:05,074
"My child, I love you"
1573
01:19:05,074 --> 01:19:08,011
"and I will never leave you."
1574
01:19:08,011 --> 01:19:10,146
"It was when you saw"
1575
01:19:10,146 --> 01:19:15,318
"only one set of footprints in the sand"
1576
01:19:15,318 --> 01:19:17,586
"I carried you."
1577
01:19:17,586 --> 01:19:22,091
I have asked Mr Dave Fishwick,
1578
01:19:22,091 --> 01:19:25,328
a good friend of Maureen Clayton's,
1579
01:19:25,328 --> 01:19:27,630
to say a few words.
1580
01:19:35,404 --> 01:19:36,806
Hiya.
1581
01:19:38,041 --> 01:19:39,542
For the last few months,
1582
01:19:39,542 --> 01:19:43,046
I've... I've known
that Maureen was sick.
1583
01:19:44,380 --> 01:19:48,217
But I only found out by accident
that she had cancer.
1584
01:19:49,718 --> 01:19:51,520
She didn't tell anybody.
1585
01:19:51,520 --> 01:19:55,992
'Cause she, uh...
Well, she didn't want pity.
1586
01:19:56,993 --> 01:19:59,996
She were a fighter right to the very end.
1587
01:20:02,765 --> 01:20:06,569
Maureen were a nurse for 25 years.
1588
01:20:06,569 --> 01:20:11,207
It's hard to imagine
how many people she helped.
1589
01:20:11,207 --> 01:20:15,044
How many lives she touched in that time.
1590
01:20:15,044 --> 01:20:18,882
You know, when we think of a...
a pillar of the community,
1591
01:20:18,882 --> 01:20:23,552
we... we tend to think
of someone rich and powerful,
1592
01:20:23,552 --> 01:20:25,254
like a politician.
1593
01:20:25,254 --> 01:20:27,656
Even a bloody banker.
1594
01:20:29,825 --> 01:20:32,428
But that's not right.
1595
01:20:34,763 --> 01:20:40,169
It's ordinary people who aren't
after status or fame or money.
1596
01:20:40,169 --> 01:20:42,271
They're the ones
1597
01:20:42,271 --> 01:20:46,609
who define who we are as a community.
1598
01:20:47,944 --> 01:20:49,445
What we are.
1599
01:20:50,980 --> 01:20:53,116
Maureen were...
1600
01:20:58,154 --> 01:21:00,623
She were a real pillar of the community.
1601
01:21:02,892 --> 01:21:05,962
From the day she arrived,
we were a richer place.
1602
01:21:07,496 --> 01:21:09,498
And with her passing, we're poorer.
1603
01:21:12,969 --> 01:21:14,503
We'll all miss her.
1604
01:21:35,624 --> 01:21:38,294
- Can I get you a drink, Hugh?
- Yeah, no, I'm OK.
1605
01:21:38,294 --> 01:21:39,795
How you doing?
1606
01:21:39,795 --> 01:21:41,630
- Hey.
- Hi.
1607
01:21:41,630 --> 01:21:44,300
I didn't expect to see you here.
1608
01:21:44,300 --> 01:21:45,801
Yeah.
1609
01:21:45,801 --> 01:21:47,836
I... I only met Maureen twice,
1610
01:21:47,836 --> 01:21:50,139
but I just felt like I should come.
1611
01:21:50,139 --> 01:21:51,640
Yeah.
1612
01:21:51,640 --> 01:21:55,078
Look, I'm sorry I didn't call
you back, I've just been...
1613
01:21:55,078 --> 01:21:57,246
- Don't be.
- Busy with work, you know.
1614
01:21:57,246 --> 01:21:58,982
Yeah. It's fine.
1615
01:21:58,982 --> 01:22:01,650
And you... you have your life
in London and mine's here.
1616
01:22:01,650 --> 01:22:03,086
Yeah, exactly.
1617
01:22:03,086 --> 01:22:05,854
Just not sure how we'd, uh...
how we'd make that work.
1618
01:22:05,854 --> 01:22:08,024
Yeah, I don't even...
Yeah, I mean...
1619
01:22:09,025 --> 01:22:10,659
Yeah, it's OK.
1620
01:22:10,659 --> 01:22:13,162
But it's not that...
You know, it's just how it is.
1621
01:22:13,162 --> 01:22:14,663
It's what it is.
Yeah, and that's...
1622
01:22:14,663 --> 01:22:15,664
Yeah.
1623
01:22:15,664 --> 01:22:17,166
Welcome back to the grim North.
1624
01:22:17,166 --> 01:22:18,834
Good to be here.
No, thank you, Dave.
1625
01:22:18,834 --> 01:22:20,003
I'm good.
1626
01:22:20,003 --> 01:22:21,604
Can't seem to shift 'em.
1627
01:22:21,604 --> 01:22:23,706
How's the fundraising going?
1628
01:22:24,873 --> 01:22:28,177
Well, uh, I've mortgaged
everything I have.
1629
01:22:28,177 --> 01:22:31,047
Uh, I pulled in every favour.
1630
01:22:31,047 --> 01:22:33,549
People have been very generous
with their contributions.
1631
01:22:34,483 --> 01:22:36,219
We're still 4 mill short.
1632
01:22:37,253 --> 01:22:39,055
Yeah, we're not gonna make it.
1633
01:22:39,055 --> 01:22:41,524
I just need to face up to the fact that
1634
01:22:41,524 --> 01:22:44,360
the Bank of Dave is not gonna happen.
1635
01:22:44,360 --> 01:22:47,696
No. There are some other options
we can look at. Um...
1636
01:22:47,696 --> 01:22:50,699
Yeah, maybe.
Just not now, eh?
1637
01:22:50,699 --> 01:22:52,301
Yeah, of course.
1638
01:22:52,301 --> 01:22:55,038
How's things going for you in London, eh?
1639
01:22:55,038 --> 01:22:57,373
Yeah, good.
Great, never better, actually.
1640
01:22:57,373 --> 01:23:00,043
Ah! Well, that's great. Yeah.
1641
01:23:00,043 --> 01:23:02,478
- I'm happy for you, lad.
- Thanks, Dave.
1642
01:24:14,683 --> 01:24:16,819
Rick? Uh, it's Hugh.
1643
01:24:18,020 --> 01:24:19,622
- All the best.
- Good to see you.
1644
01:24:19,622 --> 01:24:21,257
- Thanks.
- Good to see you, pal.
1645
01:24:24,693 --> 01:24:26,795
Yeah, thank you so much.
1646
01:24:26,795 --> 01:24:28,164
You're a legend. 'Bye.
1647
01:24:28,164 --> 01:24:30,833
Dave. I know how to do it.
1648
01:24:30,833 --> 01:24:32,235
What is it we're doing?
1649
01:24:32,235 --> 01:24:33,969
Making the Bank of Dave happen.
1650
01:24:33,969 --> 01:24:36,372
We need to fight back.
1651
01:24:37,940 --> 01:24:40,008
- Come on in, then.
- Yeah.
1652
01:24:41,510 --> 01:24:43,312
Right, hear me out.
1653
01:24:43,312 --> 01:24:45,181
You know, if this thing works out,
1654
01:24:45,181 --> 01:24:47,583
then we'd draw a huge crowd,
1655
01:24:47,583 --> 01:24:49,352
which would give us really good publicity,
1656
01:24:49,352 --> 01:24:50,919
which would bring in
even more contributions.
1657
01:24:50,919 --> 01:24:54,022
Hugh, I get it. I like it.
I love the idea of a concert.
1658
01:24:54,022 --> 01:24:55,124
But...
1659
01:24:56,192 --> 01:24:58,327
are they really gonna do it?
1660
01:24:58,327 --> 01:25:00,329
Rick says Def Leppard are
recording in London right now.
1661
01:25:00,329 --> 01:25:01,997
The timing couldn't be any better.
1662
01:25:01,997 --> 01:25:03,832
I don't know, I...
1663
01:25:03,832 --> 01:25:05,834
I've only just accepted the fact
1664
01:25:05,834 --> 01:25:08,036
that Bank of Dave's not gonna happen.
1665
01:25:09,372 --> 01:25:11,240
I need to sleep on it, alright?
1666
01:25:12,408 --> 01:25:14,377
OK.
1667
01:25:17,880 --> 01:25:19,482
Oh, dear.
1668
01:25:20,416 --> 01:25:22,050
Morning, Dave.
1669
01:25:23,252 --> 01:25:25,521
Didn't hardly sleep a wink, you bugger.
1670
01:25:25,521 --> 01:25:27,690
Been thinking about
this idea of yours all night.
1671
01:25:27,690 --> 01:25:29,225
Sorry.
1672
01:25:29,225 --> 01:25:32,127
The biggest problem is it's not
gonna make us enough money.
1673
01:25:32,127 --> 01:25:36,199
Even if we charge folk 30, 40, 50 quid,
1674
01:25:36,199 --> 01:25:37,866
it still doesn't add up.
1675
01:25:37,866 --> 01:25:40,236
So here's my idea.
1676
01:25:40,236 --> 01:25:44,207
You can buy a ticket for, say, 35 quid,
1677
01:25:44,207 --> 01:25:48,911
or you can put 100 quid
on deposit at Bank of Dave.
1678
01:25:48,911 --> 01:25:52,215
Hmm? In six months,
you take it out, plus interest.
1679
01:25:52,215 --> 01:25:53,716
So you saw the concert for free.
1680
01:25:53,716 --> 01:25:56,051
And if Bank of Dave doesn't happen?
1681
01:25:56,051 --> 01:25:57,753
Then you get your 100 quid back.
1682
01:25:57,753 --> 01:25:59,755
The concert's still free.
1683
01:26:00,756 --> 01:26:03,559
Eh? Not as daft as I look, am I?
1684
01:26:03,559 --> 01:26:05,594
Um...
1685
01:26:06,695 --> 01:26:09,232
Hello again. How you doing?
1686
01:26:09,232 --> 01:26:12,235
Um, I was looking for Dr Ashforth.
1687
01:26:12,235 --> 01:26:13,936
She should be out in a few moments.
1688
01:26:13,936 --> 01:26:16,472
- Want to take a seat?
- Yeah. Thanks. Nice to see you.
1689
01:26:17,940 --> 01:26:20,909
- Hello.
- Hi. What are you doing here?
1690
01:26:20,909 --> 01:26:22,611
Oh, the private hospital was full...
1691
01:26:22,611 --> 01:26:24,613
Actually, it's not funny.
It's rammed, isn't it?
1692
01:26:24,613 --> 01:26:26,949
Yeah. That's kinda why
we need the clinic.
1693
01:26:26,949 --> 01:26:28,684
Me and Dave are still working on that.
1694
01:26:28,684 --> 01:26:30,253
It's partly why I'm here, actually.
1695
01:26:30,253 --> 01:26:31,920
Oh? Well,
is there something I can do?
1696
01:26:31,920 --> 01:26:34,257
Could I have your sister's number?
1697
01:26:34,257 --> 01:26:36,124
Sure. Why?
1698
01:26:36,124 --> 01:26:38,227
I might have a story for her.
1699
01:26:39,295 --> 01:26:41,964
- Wha...
- No. Yeah, yeah, of course.
1700
01:26:41,964 --> 01:26:43,766
It all goes to local charities.
1701
01:26:43,766 --> 01:26:46,769
Oh, mate, that's fantastic news!
1702
01:26:46,769 --> 01:26:49,872
Yeah, I owe you one.
Right, speak soon.
1703
01:26:49,872 --> 01:26:52,207
If we can get this sorted,
we've got a venue.
1704
01:26:52,207 --> 01:26:53,609
Where?
1705
01:26:53,609 --> 01:26:55,578
Their stadium.
1706
01:26:58,947 --> 01:27:00,949
Alright, lads.
- Alright, Dave.
1707
01:27:00,949 --> 01:27:02,651
- You alright?
Hey.
1708
01:27:02,651 --> 01:27:03,652
- Hey, Jake.
- Dave.
1709
01:27:03,652 --> 01:27:04,787
- Hi.
Hey, Hugh.
1710
01:27:04,787 --> 01:27:06,455
- How you doing?
- This is my lad Jake.
1711
01:27:06,455 --> 01:27:08,557
- Nice to meet you.
- I saw The Goa Express.
1712
01:27:08,557 --> 01:27:10,225
- They were great.
- Oh. Thanks for coming.
1713
01:27:10,225 --> 01:27:12,628
Thank you. So, what news?
1714
01:27:12,628 --> 01:27:15,163
Right, well, I spoke
to the boys from Def Leppard.
1715
01:27:15,163 --> 01:27:17,232
I told them about the Bank of Dave.
1716
01:27:17,232 --> 01:27:18,801
I told them about the trial
1717
01:27:18,801 --> 01:27:20,569
and those bastards on the finance board.
1718
01:27:20,569 --> 01:27:22,471
- Yes, and?
- Guess what.
1719
01:27:22,471 --> 01:27:24,673
They're bang up for it!
1720
01:27:24,673 --> 01:27:26,008
- You're kidding me.
- No.
1721
01:27:26,008 --> 01:27:27,476
They said,
"Let's make it happen."
1722
01:27:27,476 --> 01:27:29,845
- No... Def Leppard.
- Yeah!
1723
01:27:29,845 --> 01:27:32,648
That is absolutely fantastic news.
1724
01:27:32,648 --> 01:27:34,182
I'm here with Dave Fishwick
1725
01:27:34,182 --> 01:27:35,318
from Fishwick Motors
1726
01:27:35,318 --> 01:27:36,519
to talk about the concert.
1727
01:27:36,519 --> 01:27:37,820
Dave, what can we expect?
1728
01:27:37,820 --> 01:27:39,187
I tell ya, this is gonna be
1729
01:27:39,187 --> 01:27:40,756
the biggest night this town has seen
1730
01:27:40,756 --> 01:27:42,325
since we went up to Premiership.
1731
01:27:42,325 --> 01:27:43,992
No, since we won the League.
1732
01:27:43,992 --> 01:27:45,328
And that were 1960.
1733
01:27:45,328 --> 01:27:47,330
Sounds brilliant.
1734
01:27:47,330 --> 01:27:49,097
The concert is this Saturday,
1735
01:27:49,097 --> 01:27:51,099
eight o'clock at Turf Moor stadium.
1736
01:27:51,099 --> 01:27:53,502
And it's all to help
Dave Fishwick raise the money
1737
01:27:53,502 --> 01:27:56,672
to set up the country's
very first local bank,
1738
01:27:56,672 --> 01:27:58,006
dedicated to supporting
1739
01:27:58,006 --> 01:28:00,343
Burnley's businesses and families.
1740
01:28:00,343 --> 01:28:02,044
But Dave is running out of time.
1741
01:28:02,044 --> 01:28:04,112
The clock is ticking
and there's just a week left
1742
01:28:04,112 --> 01:28:05,548
to come up with the money.
1743
01:28:05,548 --> 01:28:08,351
So the whole community
needs to pull together.
1744
01:28:08,351 --> 01:28:09,952
We all need to be there.
1745
01:28:09,952 --> 01:28:11,854
I, for one,
wouldn't miss it for the world.
1746
01:28:11,854 --> 01:28:14,289
You're gonna have to do better
than that for me, mate.
1747
01:28:14,289 --> 01:28:15,791
This is no ordinary gig.
1748
01:28:15,791 --> 01:28:17,860
This is one of the biggest bands
in the world,
1749
01:28:17,860 --> 01:28:19,528
doing a concert for Burnley.
1750
01:28:19,528 --> 01:28:21,630
For those who need it most.
1751
01:28:21,630 --> 01:28:23,566
Cool. Alright, that'll work.
1752
01:28:23,566 --> 01:28:26,134
Top man. Don't lose sight
of the big picture.
1753
01:28:26,134 --> 01:28:29,004
Clarence, you need to get them
to give us one more week.
1754
01:28:31,006 --> 01:28:32,541
OK, great.
1755
01:28:32,541 --> 01:28:33,876
Yeah.
1756
01:28:33,876 --> 01:28:36,044
We'll know, either way, by then.
1757
01:28:45,020 --> 01:28:46,422
Hi.
- Hiya.
1758
01:28:46,422 --> 01:28:48,156
What do you think, Sean?
1759
01:28:48,156 --> 01:28:49,592
Not a bad fixture for Saturday.
1760
01:28:49,592 --> 01:28:51,627
I think it'll be deafening.
1761
01:28:54,430 --> 01:28:57,065
Come on!
1762
01:28:57,065 --> 01:28:58,901
Hugh.
- Hey.
1763
01:28:58,901 --> 01:29:00,403
- This is going well.
- Yeah?
1764
01:29:00,403 --> 01:29:02,405
Yeah, look at this -
so most of the football team
1765
01:29:02,405 --> 01:29:04,072
have stepped up with their deposits.
1766
01:29:04,072 --> 01:29:06,575
And it looks like
the concert's gonna sell out.
1767
01:29:06,575 --> 01:29:08,411
We're gonna get close.
1768
01:29:08,411 --> 01:29:10,613
- Come on! Come on!
- Ain't it? It's good.
1769
01:29:25,127 --> 01:29:26,962
Hello, Burnley!
1770
01:29:28,163 --> 01:29:29,765
How you doing? Alright?
1771
01:29:29,765 --> 01:29:31,934
- Can't hear you.
1772
01:29:31,934 --> 01:29:34,537
- Are you alright?
1773
01:29:34,537 --> 01:29:36,972
You ready for some rock'n'roll?
1774
01:29:36,972 --> 01:29:41,477
Give a proper Burnley welcome
to a proper Burnley band.
1775
01:29:41,477 --> 01:29:43,979
Please welcome on stage
1776
01:29:43,979 --> 01:29:47,883
the wonderful Goa Express.
1777
01:29:53,989 --> 01:29:57,125
Hello, hello, hello. We're
buzzing to be back in Burnley.
1778
01:29:57,125 --> 01:29:58,794
And we're chuffed to be part of this.
1779
01:30:12,475 --> 01:30:14,142
Hey.
1780
01:30:14,142 --> 01:30:16,512
Ah. Here he is.
1781
01:30:16,512 --> 01:30:18,313
It's getting busy out there.
1782
01:30:18,313 --> 01:30:19,515
You alright, Dave?
1783
01:30:19,515 --> 01:30:23,018
Yeah, yeah, great, great.
Yeah, just, um...
1784
01:30:24,352 --> 01:30:26,321
you know, thinking about
what's at stake, yeah.
1785
01:30:26,321 --> 01:30:29,091
How are... how are
the numbers looking?
1786
01:30:29,091 --> 01:30:32,695
Well, uh, I'd be lying
if I said we were a shoo-in,
1787
01:30:32,695 --> 01:30:35,631
but, uh, well, where
there's time, there's hope.
1788
01:30:38,501 --> 01:30:39,935
Still...
1789
01:30:39,935 --> 01:30:41,837
whether or not we make it,
1790
01:30:41,837 --> 01:30:44,006
this is gonna be the best
bloody night of my life.
1791
01:30:44,006 --> 01:30:45,841
- Excuse me?
1792
01:30:45,841 --> 01:30:47,776
Oh, and that includes my wedding night.
1793
01:30:47,776 --> 01:30:49,011
- Yeah?
- Yeah.
1794
01:30:49,011 --> 01:30:50,345
- Just joking.
1795
01:30:50,345 --> 01:30:52,380
- God. Come on, you two.
1796
01:30:52,380 --> 01:30:54,149
Two seconds, I just need to, uh...
1797
01:30:59,555 --> 01:31:00,889
Yeah.
1798
01:31:00,889 --> 01:31:02,858
Oh, OK.
1799
01:31:02,858 --> 01:31:04,893
Yeah, I'll come and find you.
1800
01:31:06,161 --> 01:31:07,395
Hello.
1801
01:31:07,395 --> 01:31:09,197
You did it! This is amazing!
1802
01:31:09,197 --> 01:31:11,199
No, we did it.
Come on. We did it.
1803
01:31:11,199 --> 01:31:12,801
- Yeah, well...
- Yeah.
1804
01:31:12,801 --> 01:31:15,470
Um... how are
the numbers looking?
1805
01:31:15,470 --> 01:31:17,305
Um...
Bit scared, but...
1806
01:31:17,305 --> 01:31:19,374
- Yeah, I mean...
- That's fine, isn't it?
1807
01:31:19,374 --> 01:31:22,645
I mean, whatever happens,
you know, what we did here,
1808
01:31:22,645 --> 01:31:24,547
bringing all these people
together for a cause,
1809
01:31:24,547 --> 01:31:26,649
I think it's really something
to be proud of.
1810
01:31:26,649 --> 01:31:28,083
Yeah.
1811
01:31:28,083 --> 01:31:29,652
- OK, right.
- OK.
1812
01:31:29,652 --> 01:31:31,887
- I'm just gonna find my boss.
- Yeah. I'll see you later.
1813
01:31:31,887 --> 01:31:33,355
- I'll see you later.
- Yeah.
1814
01:31:37,259 --> 01:31:40,395
Oh! Oh!
1815
01:31:40,395 --> 01:31:42,097
Clarence!
1816
01:31:43,098 --> 01:31:44,567
Hey.
- This is wonderful!
1817
01:31:44,567 --> 01:31:46,569
- Really?
- It takes me back to my youth.
1818
01:31:46,569 --> 01:31:48,336
What, you've never been to a rock concert?
1819
01:31:48,336 --> 01:31:51,239
- Glyndebourne.
- Never heard of them.
1820
01:31:51,239 --> 01:31:53,408
Um, anyway, yeah, one second.
1821
01:31:53,408 --> 01:31:55,243
Like, I need to ask you
a favour, Clarence.
1822
01:31:55,243 --> 01:31:56,945
- And it's quite a big one.
- Right.
1823
01:32:11,126 --> 01:32:12,961
We're so close.
1824
01:32:14,296 --> 01:32:15,530
- Yeah.
1825
01:32:16,865 --> 01:32:19,935
I'm gonna get Def Leppard on in a minute.
1826
01:32:19,935 --> 01:32:23,806
You go down. I can finish up
here and I'll be down in five.
1827
01:32:31,980 --> 01:32:33,616
How's it going in there?
1828
01:32:33,616 --> 01:32:35,718
Oh, Dave, I'm sorry.
1829
01:32:35,718 --> 01:32:37,185
Still...
1830
01:32:38,320 --> 01:32:40,322
- Let's have some fun, eh?
- Yeah!
1831
01:32:42,024 --> 01:32:43,458
- Hey! Sorry!
- Oh! Hugh.
1832
01:32:43,458 --> 01:32:44,893
- Don't want to miss this.
- One minute.
1833
01:32:44,893 --> 01:32:47,462
- Band's coming on.
1834
01:32:47,462 --> 01:32:49,197
See you up there.
1835
01:33:22,064 --> 01:33:24,332
- You ready?
1836
01:33:24,332 --> 01:33:27,169
Right, it's the moment
we've all been waiting for.
1837
01:33:27,169 --> 01:33:30,538
It's the moment I've been
waiting for for bloody years.
1838
01:33:30,538 --> 01:33:32,607
It is my privilege
1839
01:33:32,607 --> 01:33:37,445
to welcome on stage one of the
greatest rock bands of all time.
1840
01:33:37,445 --> 01:33:40,849
- Come on!
Yes, yes, I'm here.
1841
01:33:40,849 --> 01:33:43,051
- I'm here. Stairs!
1842
01:33:43,051 --> 01:33:47,022
Right here, right now, live on stage!
1843
01:33:47,022 --> 01:33:48,957
It's Def Leppard!
1844
01:33:55,698 --> 01:33:57,332
Whoo!
1845
01:34:01,904 --> 01:34:03,138
Hey!
1846
01:34:03,138 --> 01:34:04,572
Go on!
1847
01:34:13,749 --> 01:34:15,383
Alright.
1848
01:34:15,383 --> 01:34:18,754
- I give you... the Leppard!
1849
01:34:20,756 --> 01:34:22,657
How can we dance?
Shall we dance?
1850
01:34:22,657 --> 01:34:24,659
That's it.
I was gonna give you a lesson.
1851
01:34:24,659 --> 01:34:26,094
But I think you've got it.
1852
01:34:26,094 --> 01:34:28,596
Maybe a bit more...
fist punching.
1853
01:34:58,026 --> 01:34:59,627
I'm just...
1854
01:34:59,627 --> 01:35:01,797
- Too much.
- No.
1855
01:35:11,706 --> 01:35:13,441
We've hit the target.
1856
01:35:13,441 --> 01:35:15,710
- What?
- We've got the money!
1857
01:35:15,710 --> 01:35:17,145
Can't hear you.
1858
01:35:18,146 --> 01:35:20,482
We've got the money.
We've done it. Look!
1859
01:35:25,954 --> 01:35:28,123
- We've done it! We've done it!
- We've done it!
1860
01:35:28,123 --> 01:35:29,792
- He's bloody done it!
1861
01:35:29,792 --> 01:35:32,060
I'm getting you out.
Come on. We're going on.
1862
01:35:32,060 --> 01:35:33,896
- What? What?
- Come on. Come on.
1863
01:35:33,896 --> 01:35:35,463
Wow.
1864
01:35:38,300 --> 01:35:40,836
- Whoo!
1865
01:35:42,370 --> 01:35:45,240
Everybody, this is Dave!
1866
01:35:45,240 --> 01:35:47,142
Go on, Dave.
1867
01:35:47,142 --> 01:35:51,246
Dave, Dave, Dave,
Dave, Dave, Dave, Dave, Dave!
1868
01:35:56,151 --> 01:35:57,752
Hello.
1869
01:35:57,752 --> 01:35:59,487
Thank you, Rick.
1870
01:35:59,487 --> 01:36:02,557
Listen, uh, I just...
I just wanted to say...
1871
01:36:03,558 --> 01:36:05,027
thank you.
1872
01:36:06,028 --> 01:36:07,830
We... we hit our target.
1873
01:36:10,866 --> 01:36:12,835
Go on! Hey!
1874
01:36:12,835 --> 01:36:14,236
Yeah.
1875
01:36:15,804 --> 01:36:18,673
Which means that we're gonna have a bank
1876
01:36:18,673 --> 01:36:21,509
which looks after the whole community.
1877
01:36:21,509 --> 01:36:23,411
Each and every one of us.
1878
01:36:24,379 --> 01:36:26,448
And... and that's all
thanks to you.
1879
01:36:29,051 --> 01:36:30,585
So thank you.
1880
01:36:32,054 --> 01:36:34,389
But it's more than that.
1881
01:36:34,389 --> 01:36:37,192
This is bigger even than Burnley.
1882
01:36:37,192 --> 01:36:39,194
Oh!
1883
01:36:39,194 --> 01:36:42,230
We're sending a message
today to the banks.
1884
01:36:42,230 --> 01:36:43,932
We're saying...
1885
01:36:45,067 --> 01:36:47,335
enough's enough.
1886
01:36:48,570 --> 01:36:50,405
Enough of your greed.
1887
01:36:51,573 --> 01:36:54,709
Enough of giving money
to those that don't need it
1888
01:36:54,709 --> 01:36:56,578
and nowt to them that do.
1889
01:36:58,413 --> 01:37:03,218
Yeah, we're saying
that there's another way.
1890
01:37:03,218 --> 01:37:05,020
A better way.
1891
01:37:06,421 --> 01:37:08,991
Go on, Dave!
Yes!
1892
01:37:08,991 --> 01:37:11,293
- Yes!
- Yes.
1893
01:37:13,528 --> 01:37:15,297
Look, I'm...
1894
01:37:16,364 --> 01:37:19,201
I'm nothing special.
I'm just Dave from Burnley.
1895
01:37:20,936 --> 01:37:22,871
So if I can do it...
1896
01:37:24,606 --> 01:37:26,108
anyone can.
1897
01:37:27,042 --> 01:37:28,476
And they should.
1898
01:37:29,711 --> 01:37:31,813
All over.
1899
01:37:33,715 --> 01:37:36,051
Because helping each other...
1900
01:37:37,152 --> 01:37:39,621
where we can, how we can...
1901
01:37:42,557 --> 01:37:44,993
that's what community's all about.
1902
01:37:47,662 --> 01:37:49,431
So thank you.
1903
01:37:49,431 --> 01:37:51,033
Thank you, everybody.
1904
01:37:55,670 --> 01:37:57,105
Have a great night!
1905
01:37:57,105 --> 01:38:00,375
Dave, don't go anywhere.
Stay with us on this one.
1906
01:38:00,375 --> 01:38:01,944
- Me? Oh, no, no!
- Yeah, you.
1907
01:38:01,944 --> 01:38:05,280
- You don't wanna hear me sing.
- You wanna hear him sing a song?
1908
01:38:05,280 --> 01:38:06,614
- Oh, no.
- Yeah?
1909
01:38:06,614 --> 01:38:08,550
Yes, Dave!
1910
01:38:08,550 --> 01:38:10,785
I can do karaoke,
but I can't do Turf Moor!
1911
01:38:10,785 --> 01:38:12,220
Just one. One song.
1912
01:38:12,220 --> 01:38:15,457
Oh, my God! What have I got
myself into?
1913
01:38:15,457 --> 01:38:17,792
- This is a huge mistake!
- Go on!
1914
01:39:00,835 --> 01:39:02,737
♪ Yeah
1915
01:40:25,953 --> 01:40:27,755
Incredible scenes tonight
1916
01:40:27,755 --> 01:40:29,924
at Burnley Turf Moor football stadium
1917
01:40:29,924 --> 01:40:32,026
where a concert has helped raise money
1918
01:40:32,026 --> 01:40:33,595
to set up the first new bank
1919
01:40:33,595 --> 01:40:36,298
in over 150 years.
1920
01:40:39,967 --> 01:40:42,270
Give it up, Burnley!
1921
01:40:46,208 --> 01:40:47,775
Dave, Dave, Dave, Dave,
1922
01:40:47,775 --> 01:40:51,879
Dave, Dave, Dave, Dave, Dave,
Dave, Dave, Dave, Dave, Dave!
1923
01:40:59,821 --> 01:41:01,323
Hugh.
1924
01:41:02,657 --> 01:41:04,959
Hey. I... I saw the books.
1925
01:41:04,959 --> 01:41:07,295
They were nearly a million short
until you stepped in.
1926
01:41:07,295 --> 01:41:09,731
- Oh, you saw that?
- Yeah.
1927
01:41:09,731 --> 01:41:12,900
Yeah, yeah. I borrowed
the money off Clarence.
1928
01:41:12,900 --> 01:41:15,337
And put my flat up as collateral.
1929
01:41:15,337 --> 01:41:20,074
- So you'll have to sell it?
- Probably.
1930
01:41:20,074 --> 01:41:22,310
It's fine, though. Property's
a lot cheaper in Burnley.
1931
01:41:22,310 --> 01:41:23,978
Think it is, anyway.
1932
01:41:23,978 --> 01:41:26,148
Hugh, no-one in their right mind
1933
01:41:26,148 --> 01:41:28,816
moves from Primrose Hill
to... to Burnley.
1934
01:41:28,816 --> 01:41:32,154
They don't.
You're right, they don't.
1935
01:41:32,154 --> 01:41:37,359
Unless... they have recklessly
strong feelings about someone
1936
01:41:37,359 --> 01:41:39,594
they don't even really know.
1937
01:41:51,873 --> 01:41:53,441
You talking about me?
1938
01:41:53,441 --> 01:41:55,109
- Yeah. I'm talking about you.
- OK.
1939
01:42:00,515 --> 01:42:02,517
Come on, Dave!
Come on, Dave!
1940
01:42:02,517 --> 01:42:04,619
Come on!
We did it!
1941
01:42:04,619 --> 01:42:06,488
We did it!
1942
01:42:22,570 --> 01:42:24,406
Going down.
1943
01:42:27,074 --> 01:42:29,076
Any comment on what just happened to you?
1944
01:42:29,076 --> 01:42:31,246
Our investigative team has uncovered
1945
01:42:31,246 --> 01:42:33,881
what they describe as underhand tactics
1946
01:42:33,881 --> 01:42:36,083
employed against Dave Fishwick.
1947
01:42:36,083 --> 01:42:37,985
The Financial Regulation Board
1948
01:42:37,985 --> 01:42:40,222
denies all knowledge of such tactics,
1949
01:42:40,222 --> 01:42:42,590
but at least two
of the individuals involved
1950
01:42:42,590 --> 01:42:44,226
have been let go by their employers.
1951
01:42:44,226 --> 01:42:45,727
Any comment at all?
1952
01:42:45,727 --> 01:42:47,229
Righto. Count down with me.
1953
01:42:47,229 --> 01:42:49,831
- Three.
Three, two, one!
1954
01:42:52,667 --> 01:42:55,002
There she is. Bank of Dave!
1955
01:43:01,809 --> 01:43:03,578
Here's to you all.
1956
01:43:03,578 --> 01:43:05,613
- Here's to Burnley.
- Cheers.
1957
01:43:05,613 --> 01:43:07,449
- Give us a kiss.
- Mwah!
1958
01:43:07,449 --> 01:43:10,752
In Burnley, the newest and smallest bank
1959
01:43:10,752 --> 01:43:12,754
in the country opened for business.
1960
01:43:12,754 --> 01:43:15,290
According to its founder, Dave Fishwick,
1961
01:43:15,290 --> 01:43:16,691
the Bank of Dave will bring
1962
01:43:16,691 --> 01:43:18,360
hundreds of jobs to Burnley
1963
01:43:18,360 --> 01:43:20,094
and will fund local enterprises,
1964
01:43:20,094 --> 01:43:22,264
including Lancashire's first
1965
01:43:22,264 --> 01:43:24,031
walk-in free clinic.
1966
01:43:24,031 --> 01:43:26,868
Can't forget them.
They helped a bit.
1967
01:43:26,868 --> 01:43:28,436
Ahh!
Cheers.
1968
01:43:28,436 --> 01:43:29,871
- Well done us!
1969
01:43:29,871 --> 01:43:32,274
Yeah! Whoo!143149
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