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Would you like to inspect the original subtitles? These are the user uploaded subtitles that are being translated: 1 00:00:06,041 --> 00:00:08,041 [inspirational music playing] 2 00:00:24,375 --> 00:00:26,458 [emotional music playing] 3 00:00:33,916 --> 00:00:36,415 [woman] That was a clip from the recent documentary 4 00:00:36,416 --> 00:00:40,374 about the founding of this country's first-ever community bank. 5 00:00:40,375 --> 00:00:41,790 Yeah, the Bank of Dave. 6 00:00:41,791 --> 00:00:44,832 In the studio, we have Dave himself. All the way from Burnley. Hey! 7 00:00:44,833 --> 00:00:47,633 - So good to have you, Dave. - Good to be here. Thanks for inviting me. 8 00:00:50,375 --> 00:00:53,999 So when did you have the first idea for the Bank of Dave? 9 00:00:54,000 --> 00:00:56,500 Well, it was during the financial crisis. 10 00:00:57,041 --> 00:00:58,499 I'd built up a... 11 00:00:58,500 --> 00:01:01,332 Well, it's a good business, selling vans and minibuses 12 00:01:01,333 --> 00:01:04,832 {\an8}but, a lot of my customers and friends, they were struggling. 13 00:01:04,833 --> 00:01:08,582 These were people that I believed in so I lent them my own money. 14 00:01:08,583 --> 00:01:10,915 Sure enough, they got back on their feet, and paid me back. 15 00:01:10,916 --> 00:01:14,832 {\an8}Some of them asked me to invest some of the extra money that they'd made, 16 00:01:14,833 --> 00:01:16,624 {\an8}but for that, I needed to be a bank. 17 00:01:16,625 --> 00:01:18,457 {\an8}[laughs] Which you named after yourself. 18 00:01:18,458 --> 00:01:19,665 {\an8}[woman laughs] 19 00:01:19,666 --> 00:01:20,749 {\an8}Well, in my defense, 20 00:01:20,750 --> 00:01:24,665 {\an8}calling it the Bank of Dave, that were my wife Nicky's idea. 21 00:01:24,666 --> 00:01:27,749 She's been behind me all the way on this. She's been brilliant. 22 00:01:27,750 --> 00:01:29,040 So how did I do? 23 00:01:29,041 --> 00:01:31,915 Do you really need me to feed your ego, Dave? 24 00:01:31,916 --> 00:01:32,916 Yes. 25 00:01:33,541 --> 00:01:35,957 - You did great. - Thank you. [chuckles] 26 00:01:35,958 --> 00:01:37,165 Can we go home now? 27 00:01:37,166 --> 00:01:40,665 We can get shot of London, but we still got the radio show in Manchester to do. 28 00:01:40,666 --> 00:01:41,666 - So... - Oh! 29 00:01:42,458 --> 00:01:44,082 Who knew being famous was this tiring? 30 00:01:44,083 --> 00:01:45,832 - Oh, give over. - [music fades] 31 00:01:45,833 --> 00:01:50,165 Anyone calls for Dave? Let's go to Mavis from Salford. 32 00:01:50,166 --> 00:01:51,999 What would you like to ask, Mavis? 33 00:01:52,000 --> 00:01:53,790 [Mavis] Thanks for taking my call, Graham. 34 00:01:53,791 --> 00:01:54,915 You're very welcome. 35 00:01:54,916 --> 00:01:56,082 [Mavis] Mr. Fishwick. 36 00:01:56,083 --> 00:01:59,082 Dave, please. Make me sound like I've done something wrong. 37 00:01:59,083 --> 00:02:01,165 [Mavis] Right. Hello, Dave. 38 00:02:01,166 --> 00:02:04,832 So tell me this. If I borrowed 200 quid from your bank, 39 00:02:04,833 --> 00:02:07,041 how much would I owe you in a year's time? 40 00:02:07,583 --> 00:02:09,499 Uh, well, we charge different interest rates 41 00:02:09,500 --> 00:02:10,915 depending on what you can afford. 42 00:02:10,916 --> 00:02:13,790 But, uh, on average, it's just under 8%. 43 00:02:13,791 --> 00:02:18,874 So if my math is right, uh, you'd owe 216 quid in a year's time. 44 00:02:18,875 --> 00:02:21,124 [Mavis] Right. And what about late payment fees? 45 00:02:21,125 --> 00:02:24,415 No, no. So long as you got a good reason, we don't charge them. 46 00:02:24,416 --> 00:02:25,500 [Mavis] That's nice. 47 00:02:26,166 --> 00:02:27,708 I just wanted to tell you. 48 00:02:28,291 --> 00:02:30,915 Twelve and a bit months ago I borrowed 200 quid 49 00:02:30,916 --> 00:02:33,957 from one of them payday loan companies, QuickDough. 50 00:02:33,958 --> 00:02:37,415 They've got adverts on the TV and their name across footballers' shirts. 51 00:02:37,416 --> 00:02:39,207 So I knew they were legit. 52 00:02:39,208 --> 00:02:42,499 So you borrowed 200. How much do you owe now? 53 00:02:42,500 --> 00:02:46,624 [Mavis] £1,480.34. 54 00:02:46,625 --> 00:02:49,665 - [pensive music playing] - You're... you're kidding me? 55 00:02:49,666 --> 00:02:50,957 [Mavis] I wish I was. 56 00:02:50,958 --> 00:02:53,999 I'm on a pension. There's no way I can afford that. 57 00:02:54,000 --> 00:02:57,457 Hang on. You're telling me they've charged you... [grunting] 58 00:02:57,458 --> 00:02:59,457 6,000% interest? 59 00:02:59,458 --> 00:03:01,125 [Mavis] Plus late payment fees. 60 00:03:01,916 --> 00:03:02,749 Whoa. 61 00:03:02,750 --> 00:03:05,540 [scoffs] Sorry. That's bloody criminal, is what it is. 62 00:03:05,541 --> 00:03:09,041 [Mavis] You're right, Dave. I was thinking you should do something. 63 00:03:09,541 --> 00:03:10,541 Me? 64 00:03:11,291 --> 00:03:14,916 [exhales sharply] Look. I'm just Dave from Burnley. 65 00:03:15,541 --> 00:03:16,749 I do what I can. 66 00:03:16,750 --> 00:03:20,124 I've loaned 40 million quid, and created jobs... 67 00:03:20,125 --> 00:03:21,333 [Mavis] Forty million? 68 00:03:21,833 --> 00:03:24,415 That lot have lent over a billion and a half. 69 00:03:24,416 --> 00:03:27,457 That's thousands and thousands of vulnerable people 70 00:03:27,458 --> 00:03:30,375 all across this country who've been taken advantage of. 71 00:03:31,041 --> 00:03:33,707 You say you want to help ordinary people. 72 00:03:33,708 --> 00:03:36,499 Well, what about us? We need help. 73 00:03:36,500 --> 00:03:38,000 [Graham] Mavis, thank you. 74 00:03:38,583 --> 00:03:41,583 That's all we've got time for, Dave. Thanks for joining us. 75 00:03:44,083 --> 00:03:46,040 I... No. Uh, thanks for having me. 76 00:03:46,041 --> 00:03:48,125 {\an8}[pensive music continues] 77 00:03:55,291 --> 00:03:57,624 ["Every Rose Has Its Thorn" by Poison playing] 78 00:03:57,625 --> 00:04:01,290 ♪ And I hear you found somebody new ♪ 79 00:04:01,291 --> 00:04:04,749 ♪ And that I never meant That much to you ♪ 80 00:04:04,750 --> 00:04:08,165 ♪ To hear that tears me up inside ♪ 81 00:04:08,166 --> 00:04:11,124 ♪ And to see you cuts me like a knife ♪ 82 00:04:11,125 --> 00:04:15,665 ♪ And I guess every rose has its thorn ♪ 83 00:04:15,666 --> 00:04:17,250 Go on, everybody! 84 00:04:17,875 --> 00:04:23,875 ♪ Just like every night has its dawn ♪ 85 00:04:24,666 --> 00:04:30,666 ♪ Just like every cowboy Sings his sad, sad song ♪ 86 00:04:32,375 --> 00:04:38,375 ♪ Every rose has its thorn ♪ 87 00:04:39,375 --> 00:04:42,332 - Thank you. - [cheering] 88 00:04:42,333 --> 00:04:44,290 Well done, Dave. Well done! 89 00:04:44,291 --> 00:04:45,291 Thank you! 90 00:04:47,875 --> 00:04:49,332 [applause fades] 91 00:04:49,333 --> 00:04:51,124 - [man] Nice one, Dave. - Cheers, Jeff. 92 00:04:51,125 --> 00:04:53,250 - Hey, question for you. - Yeah? 93 00:04:53,750 --> 00:04:57,165 Have you ever had any dealings with them payday loan companies? 94 00:04:57,166 --> 00:04:59,957 What? QuickDough and Snapcash Advance and the like? 95 00:04:59,958 --> 00:05:01,665 - Yeah, them's the one. - [Jeff] No chance. 96 00:05:01,666 --> 00:05:03,915 You know how much interest them bastards charge? 97 00:05:03,916 --> 00:05:06,499 A lot more than the Bank of Dave, that's for sure. 98 00:05:06,500 --> 00:05:10,625 I... I'm trying to find out more about them. Do you think of anyone who might help? 99 00:05:11,708 --> 00:05:12,708 Ah, yeah. 100 00:05:13,208 --> 00:05:17,082 Oliver, over there, volunteers at Citizens Advice. 101 00:05:17,083 --> 00:05:18,082 He's an accountant, 102 00:05:18,083 --> 00:05:20,332 so deals with a lot of folk with money problems. 103 00:05:20,333 --> 00:05:21,374 - Oliver, you said? - Yeah. 104 00:05:21,375 --> 00:05:22,666 - Thanks, Jeff. - No worries. 105 00:05:23,666 --> 00:05:25,124 - [Dave] Oliver? - Yeah. 106 00:05:25,125 --> 00:05:26,457 Hi, I'm Dave. 107 00:05:26,458 --> 00:05:28,082 Oliver. Hi, Dave. 108 00:05:28,083 --> 00:05:30,665 - You're from Bank of Dave? - [Dave laughs] 109 00:05:30,666 --> 00:05:31,582 Guilty as charged. 110 00:05:31,583 --> 00:05:34,415 All right, we've got Zoe. Where's Zoe? Zoe? 111 00:05:34,416 --> 00:05:36,999 - Nice to meet you. - Is that you? [laughs] 112 00:05:37,000 --> 00:05:41,249 Look, Jeff tells me that you do some work with Citizens Advice. 113 00:05:41,250 --> 00:05:42,165 [Oliver] Yeah. 114 00:05:42,166 --> 00:05:45,374 Have you ever met people who got problems with payday loans? 115 00:05:45,375 --> 00:05:47,415 Well, yeah. Hundreds. 116 00:05:47,416 --> 00:05:50,416 Right here in Burnley, it's like a plague. 117 00:05:50,916 --> 00:05:52,957 Uh, you know Ray, right? 118 00:05:52,958 --> 00:05:54,290 [Dave] Uh-huh. 119 00:05:54,291 --> 00:05:56,040 [Oliver] Well, his, uh, marriage broke up 120 00:05:56,041 --> 00:05:59,125 after he took out two of them loans without telling his wife. 121 00:06:00,125 --> 00:06:01,457 Is that what happened? 122 00:06:01,458 --> 00:06:03,125 And that's Billy and Ted Heald. 123 00:06:03,875 --> 00:06:06,332 The brothers took out a loan from Snapcash Advance 124 00:06:06,333 --> 00:06:08,125 just to try and make payroll. 125 00:06:08,625 --> 00:06:10,290 - Ended up closing the shop? - Yeah. 126 00:06:10,291 --> 00:06:12,040 And it's not just here. 127 00:06:12,041 --> 00:06:15,499 Across the whole country, thousands are being driven into poverty. 128 00:06:15,500 --> 00:06:17,665 - ["Everybody Hurts" playing] - [Zoe sings karaoke] 129 00:06:17,666 --> 00:06:19,166 I don't understand this. 130 00:06:19,666 --> 00:06:21,790 How are these companies getting away with it? 131 00:06:21,791 --> 00:06:26,499 Well, it's our government's idea of business friendly regulations, 132 00:06:26,500 --> 00:06:30,582 which basically translates as helping out their rich mates. 133 00:06:30,583 --> 00:06:33,332 [Zoe continues to sing karaoke] 134 00:06:33,333 --> 00:06:35,625 Zoe's mom was, uh, forced to sell her car. 135 00:06:36,208 --> 00:06:38,791 She's still way behind on her loan payments. 136 00:06:41,916 --> 00:06:42,916 I know... 137 00:06:43,333 --> 00:06:44,415 [Oliver sighs] 138 00:06:44,416 --> 00:06:46,999 I know I want to do something about this. I just... 139 00:06:47,000 --> 00:06:47,915 [smacks lips] 140 00:06:47,916 --> 00:06:49,333 Just not sure what. 141 00:06:50,833 --> 00:06:52,458 Right. Well... [scoffs] 142 00:06:53,250 --> 00:06:54,666 Someone like you, Dave, 143 00:06:55,333 --> 00:06:58,000 you've got a chance to make a huge difference. 144 00:06:59,125 --> 00:07:00,958 And, uh, whatever I can do to... 145 00:07:02,500 --> 00:07:04,791 Just let me know, and I'll be there. 146 00:07:05,541 --> 00:07:06,582 - Thanks, pal. - Yeah. 147 00:07:06,583 --> 00:07:11,165 ♪ When your day is night alone ♪ 148 00:07:11,166 --> 00:07:13,374 ♪ Hold on ♪ 149 00:07:13,375 --> 00:07:16,540 {\an8}♪ If you feel like letting go ♪ 150 00:07:16,541 --> 00:07:17,708 {\an8}[song fades] 151 00:07:19,666 --> 00:07:21,040 Are you googling again? 152 00:07:21,041 --> 00:07:22,582 [smacks lips] I was. 153 00:07:22,583 --> 00:07:25,708 I'm reading an article about payday lending companies now. 154 00:07:26,208 --> 00:07:27,208 Cup of tea? 155 00:07:28,000 --> 00:07:29,000 Mmm... Love one. 156 00:07:30,208 --> 00:07:32,291 Hey, what about that singer last night? 157 00:07:32,833 --> 00:07:35,208 Yeah, unbelievable. I've never heard the like. 158 00:07:36,041 --> 00:07:38,665 I have to take singing lessons before I get up there again. 159 00:07:38,666 --> 00:07:39,749 Aw. 160 00:07:39,750 --> 00:07:41,416 [water boiling] 161 00:07:42,666 --> 00:07:45,457 {\an8}- [horns honking] - [sirens wailing] 162 00:07:45,458 --> 00:07:47,666 {\an8}[phone rings] 163 00:07:50,500 --> 00:07:51,874 Hello, this is Jessica. 164 00:07:51,875 --> 00:07:55,165 [Dave] Jessica? Jessica Morea? Top finance writer? 165 00:07:55,166 --> 00:07:56,749 This is Dave Fishwick here. 166 00:07:56,750 --> 00:07:57,957 Do I know you? 167 00:07:57,958 --> 00:08:02,124 Uh, no, but, uh, I'm Dave from the Bank of Dave. 168 00:08:02,125 --> 00:08:03,291 [Jessica] The what? 169 00:08:03,958 --> 00:08:05,666 I... I set up the Bank of Dave. 170 00:08:07,250 --> 00:08:08,250 Is that a real thing? 171 00:08:09,250 --> 00:08:10,415 Yeah, it's a bank. 172 00:08:10,416 --> 00:08:12,208 [Jessica] Oh! No kidding. 173 00:08:12,833 --> 00:08:15,415 Okay. Um... [scoffs] Okay. How can I help you? 174 00:08:15,416 --> 00:08:18,582 Oh, I just, uh, read your articles on the payday lending companies. 175 00:08:18,583 --> 00:08:19,875 They're fantastic. 176 00:08:20,541 --> 00:08:21,624 Thank you. 177 00:08:21,625 --> 00:08:24,583 [Dave] Yeah. And I want to get all them companies closed down... 178 00:08:25,833 --> 00:08:27,915 Well, they pretty much already are. 179 00:08:27,916 --> 00:08:29,166 I mean, mostly. 180 00:08:30,125 --> 00:08:31,375 - Are they? - [Jessica] Mm-hmm. 181 00:08:32,000 --> 00:08:33,791 Hmm. Well, not in the UK. 182 00:08:34,625 --> 00:08:38,124 Uh... If anything they're getting worse and I want to stop them. 183 00:08:38,125 --> 00:08:41,707 Okay. [chuckles] Well, how do you plan on doing that? 184 00:08:41,708 --> 00:08:44,500 I've not got a clue. That's what I'm talking to you about. 185 00:08:45,000 --> 00:08:48,665 [Jessica] Okay. I mean, I guess you'd have to put pressure on the authorities, 186 00:08:48,666 --> 00:08:50,665 but it could take a really long time. 187 00:08:50,666 --> 00:08:52,416 [Dave] We haven't got time. This... 188 00:08:53,041 --> 00:08:55,457 There are thousands and thousands of ordinary people suffering. 189 00:08:55,458 --> 00:08:57,957 That can't wait for the authorities to get off their asses. 190 00:08:57,958 --> 00:08:59,541 We need to do something about it now. 191 00:09:00,166 --> 00:09:02,457 Yeah. I agree. Um... 192 00:09:02,458 --> 00:09:05,625 And I hear you, but I don't know what. 193 00:09:06,166 --> 00:09:08,000 Hmm. Nor do I. 194 00:09:08,583 --> 00:09:12,665 If I paid for your flights and your accommodation, would you come over here? 195 00:09:12,666 --> 00:09:14,250 Where is here? 196 00:09:15,000 --> 00:09:15,832 Burnley. 197 00:09:15,833 --> 00:09:18,458 Burnley? I've never heard of it. 198 00:09:19,041 --> 00:09:21,250 No? It's in Lancashire. 199 00:09:24,708 --> 00:09:25,708 England. 200 00:09:26,125 --> 00:09:28,915 Oh! Oh, that is a ways away. 201 00:09:28,916 --> 00:09:31,207 Listen, um, I'm really grateful for the offer, 202 00:09:31,208 --> 00:09:33,290 but, um, I don't do a lot of traveling. 203 00:09:33,291 --> 00:09:36,749 I... I... Basically from my apartment to the office, and I don't even like that. 204 00:09:36,750 --> 00:09:39,499 - I don't even like to do that. - Will you at least think about it? 205 00:09:39,500 --> 00:09:42,708 I... I could really do with your help and your insight on this. 206 00:09:43,208 --> 00:09:46,083 And who knows? You might even get a good story for your paper. 207 00:09:47,375 --> 00:09:48,375 I could. 208 00:09:49,291 --> 00:09:52,540 Yeah, but it's not gonna be by me. Sorry. Um, good luck with that anyway. 209 00:09:52,541 --> 00:09:54,166 - Bye-bye. - [somber music plays] 210 00:09:55,833 --> 00:09:57,000 [cell phone clattering] 211 00:10:11,541 --> 00:10:13,541 [indistinct chattering] 212 00:10:18,833 --> 00:10:20,833 [indistinct chattering] 213 00:10:33,000 --> 00:10:35,000 [phones ringing] 214 00:10:49,125 --> 00:10:50,749 [somber music fades] 215 00:10:50,750 --> 00:10:56,708 [sighs] I don't really see this blockchain currency thing taking off. 216 00:10:57,375 --> 00:10:59,999 Trust me, it's going to be huge in a few years. 217 00:11:00,000 --> 00:11:01,874 Yeah, well, you say that here. 218 00:11:01,875 --> 00:11:04,500 I just... I don't buy it. [sighs] 219 00:11:05,125 --> 00:11:07,082 And these other proposals... 220 00:11:07,083 --> 00:11:10,790 High-velocity trading algorithms, quantitative easing safeguards. 221 00:11:10,791 --> 00:11:12,540 They're just so cerebral. 222 00:11:12,541 --> 00:11:16,790 What we need are human interest stories our readers can relate to. 223 00:11:16,791 --> 00:11:19,916 Yeah. I don't really excel, you know, working with other people. 224 00:11:20,625 --> 00:11:22,540 Look. You're a good writer, Jessica. 225 00:11:22,541 --> 00:11:24,957 The payday lenders series was great. 226 00:11:24,958 --> 00:11:28,665 So go home and come up with something else like that. Something new. 227 00:11:28,666 --> 00:11:31,790 And then we can talk about getting you another short-term contract. 228 00:11:31,791 --> 00:11:32,749 Okay. 229 00:11:32,750 --> 00:11:34,500 [inhales deeply] 230 00:11:39,000 --> 00:11:42,665 What about a story about the victims of payday lenders? 231 00:11:42,666 --> 00:11:44,791 - Well, are there any? - Yeah. 232 00:11:45,541 --> 00:11:48,875 Yeah. I mean, in other countries. In England there's thousands. 233 00:11:49,875 --> 00:11:53,332 Aren't you always looking for stories with international dimension? 234 00:11:53,333 --> 00:11:54,375 Yeah. 235 00:11:55,041 --> 00:11:57,041 Okay. I'd buy it as a one-off. 236 00:11:57,791 --> 00:11:58,624 Okay. 237 00:11:58,625 --> 00:12:00,916 But you just said you're not good with other people. 238 00:12:02,208 --> 00:12:03,208 I can change. 239 00:12:04,208 --> 00:12:05,250 Okay. 240 00:12:05,958 --> 00:12:07,458 [motivational music plays] 241 00:12:08,458 --> 00:12:10,207 [indistinct chatter] 242 00:12:10,208 --> 00:12:11,541 [Dave] Is that Jessica? 243 00:12:12,125 --> 00:12:13,957 Guess what? I'm coming. 244 00:12:13,958 --> 00:12:15,166 [Dave] You will? Oh! 245 00:12:16,083 --> 00:12:17,499 Fantastic! Right. 246 00:12:17,500 --> 00:12:20,790 I am booking your flights now and I'm sending them over to you. 247 00:12:20,791 --> 00:12:23,665 When you get here, hop on the train. I'll pick you up at the station. 248 00:12:23,666 --> 00:12:25,665 B-U-R-N-L-E-Y, 249 00:12:25,666 --> 00:12:28,582 a.k.a., the center of the bloody universe. 250 00:12:28,583 --> 00:12:30,749 Okay, great. I'll see you soon. 251 00:12:30,750 --> 00:12:32,125 - [Dave] Fantastic! - Bye. 252 00:12:32,750 --> 00:12:34,750 [motivational music continues] 253 00:12:45,583 --> 00:12:48,041 [woman over PA speaks indistinctly] 254 00:12:50,458 --> 00:12:51,749 - [Dave] Jessica! - Hey! 255 00:12:51,750 --> 00:12:55,749 Ah! Recognized you from your byline. I'm Dave. This is my wife, Nicky. 256 00:12:55,750 --> 00:12:57,707 - [Nicky] Hi! Good trip? - Hi! Yeah, thank you. 257 00:12:57,708 --> 00:12:59,124 You must be knackered. 258 00:12:59,125 --> 00:13:00,207 I'm okay. [chuckles] 259 00:13:00,208 --> 00:13:02,040 - Let me take that for you. - Thanks. 260 00:13:02,041 --> 00:13:05,957 We put you in a nice hotel in town, but, uh, first, if you don't mind, 261 00:13:05,958 --> 00:13:07,957 I'd like to show you Burnley. 262 00:13:07,958 --> 00:13:09,499 - Okay. - You lucky thing. 263 00:13:09,500 --> 00:13:11,083 [Jessica chuckles softly] 264 00:13:13,541 --> 00:13:16,375 [Oliver] I'm so sorry that happened to you. 265 00:13:16,875 --> 00:13:19,957 But we will help you get through this, okay? 266 00:13:19,958 --> 00:13:21,833 [sentimental music playing] 267 00:13:22,458 --> 00:13:24,750 It's okay, just take a breath. 268 00:13:25,625 --> 00:13:26,875 It's gonna be all right. 269 00:13:29,541 --> 00:13:33,082 Look, um, I need to take a look at all the paperwork. 270 00:13:33,083 --> 00:13:38,040 So I could, uh, pop by and pick it up, if you'd like. 271 00:13:38,041 --> 00:13:42,541 Or... or you can come into the offices and we can have a chat and a cup of tea. 272 00:13:43,750 --> 00:13:44,791 Okay, great. 273 00:13:46,041 --> 00:13:47,375 I'll see you tomorrow. 274 00:13:47,958 --> 00:13:48,958 Bye. 275 00:13:55,083 --> 00:13:57,583 - [sentimental music continues] - [birds chirping] 276 00:14:04,166 --> 00:14:05,165 [music fades] 277 00:14:05,166 --> 00:14:08,499 A hundred years ago there were 99,000 looms 278 00:14:08,500 --> 00:14:11,915 powered by 11 coal mines that worked around the clock 279 00:14:11,916 --> 00:14:13,832 right where the town center is now. 280 00:14:13,833 --> 00:14:17,290 - [Nicky] All but one are closed down now. - Yeah. Along with all the big factories. 281 00:14:17,291 --> 00:14:20,250 Michelin over there. They were the last to go, 20 years ago. 282 00:14:20,750 --> 00:14:24,290 Now we've got industrial estates and business parks, 283 00:14:24,291 --> 00:14:26,833 but fewer and fewer jobs for unskilled workers. 284 00:14:27,333 --> 00:14:28,499 Where's the Bank of Dave? 285 00:14:28,500 --> 00:14:30,833 Oh. Too small to see from up here. 286 00:14:31,333 --> 00:14:34,040 But you can see some of the things we put our money into. 287 00:14:34,041 --> 00:14:36,458 That's the, uh... the new sports center. 288 00:14:37,291 --> 00:14:39,499 There, that's the walk-in free clinic. 289 00:14:39,500 --> 00:14:42,332 In that street, we've put money into six shops and, uh, 290 00:14:42,333 --> 00:14:43,790 seven in the street behind. 291 00:14:43,791 --> 00:14:45,707 - Eight now. Yeah. - Is it? 292 00:14:45,708 --> 00:14:47,041 Wow. That's impressive. 293 00:14:48,875 --> 00:14:51,541 Just a drop in the ocean in the big scheme of things. 294 00:14:52,458 --> 00:14:53,541 We do what we can. 295 00:14:54,083 --> 00:14:54,915 [Jessica yawning] 296 00:14:54,916 --> 00:14:58,165 You should probably get some rest. We'll drop you at the hotel. 297 00:14:58,166 --> 00:15:00,832 We'll get cracking first thing in the morning, shall we? 298 00:15:00,833 --> 00:15:01,915 Okay. [laughs] 299 00:15:01,916 --> 00:15:04,000 [motivational music playing] 300 00:15:10,875 --> 00:15:12,875 [birds chirping] 301 00:15:21,625 --> 00:15:23,291 Where is this place? 302 00:15:25,458 --> 00:15:27,582 - [Oliver] Whoa! - [shrieks] Oh my God! 303 00:15:27,583 --> 00:15:28,790 Shit! 304 00:15:28,791 --> 00:15:31,999 Oh shit! Shit! Shit! 305 00:15:32,000 --> 00:15:33,124 Bollocks. 306 00:15:33,125 --> 00:15:34,125 Shit. 307 00:15:35,083 --> 00:15:36,249 Um, oh! 308 00:15:36,250 --> 00:15:37,249 [Oliver panting] 309 00:15:37,250 --> 00:15:38,624 [quiet music playing] 310 00:15:38,625 --> 00:15:39,957 [Oliver] Oh my God! Uh... 311 00:15:39,958 --> 00:15:41,915 - What the hell? - Are you okay? 312 00:15:41,916 --> 00:15:44,290 No! [laughs] You almost ran me over. 313 00:15:44,291 --> 00:15:47,833 - Yeah. Well, you weren't looking, so... - I wasn't looking? You're the one driving. 314 00:15:48,333 --> 00:15:49,708 Right. Yes. Um... 315 00:15:50,250 --> 00:15:51,915 Shall I call an ambulance? 316 00:15:51,916 --> 00:15:55,790 No. You don't need to call an ambulance. But you did almost kill me. 317 00:15:55,791 --> 00:15:57,790 Right. [breathing heavily] 318 00:15:57,791 --> 00:15:58,875 [wheezes] 319 00:15:59,791 --> 00:16:02,624 Oh! What... What's wrong? 320 00:16:02,625 --> 00:16:06,625 [stutters breathlessly] I think, yeah, I'm definitely having a panic attack. 321 00:16:07,708 --> 00:16:11,790 O... O... Okay. Well, put your head between your knees or something, right? 322 00:16:11,791 --> 00:16:13,165 Okay. [inhaling deeply] 323 00:16:13,166 --> 00:16:14,374 Take a deep breath. 324 00:16:14,375 --> 00:16:16,000 [Oliver breathes heavily] 325 00:16:16,750 --> 00:16:17,707 Are you okay? 326 00:16:17,708 --> 00:16:18,999 Yep. Oh! 327 00:16:19,000 --> 00:16:20,207 [Jessica scoffing] 328 00:16:20,208 --> 00:16:22,040 [Oliver panting] 329 00:16:22,041 --> 00:16:23,041 Okay. 330 00:16:24,208 --> 00:16:25,832 [exhales sharply] 331 00:16:25,833 --> 00:16:26,958 Thank you. I'm... 332 00:16:27,541 --> 00:16:28,874 I'm fine now, so... 333 00:16:28,875 --> 00:16:33,250 Right. Hey, just... Just wait a minute before you get in the car. 334 00:16:33,958 --> 00:16:37,166 And when you do, like, just try not to kill anyone, maybe? 335 00:16:38,083 --> 00:16:39,790 [chuckles] Okay. 336 00:16:39,791 --> 00:16:41,166 Have a nice day. 337 00:16:44,125 --> 00:16:46,416 Yeah, right. You too. 338 00:16:47,250 --> 00:16:48,165 I'm sorry. 339 00:16:48,166 --> 00:16:49,874 - I'm sorry. - [quiet music fades] 340 00:16:49,875 --> 00:16:51,958 [coffee machine hissing] 341 00:16:53,208 --> 00:16:54,833 - Hey, Dave. - You all right? 342 00:16:55,333 --> 00:16:58,499 Um... Aside from nearly getting run over, yeah. 343 00:16:58,500 --> 00:17:01,208 [scoffs] Well, should we get you checked out? 344 00:17:01,708 --> 00:17:04,707 Are you trying to rub it on my face you have free healthcare in this country? 345 00:17:04,708 --> 00:17:07,749 [scoffs] Well, if you're sure you're all right. 346 00:17:07,750 --> 00:17:09,875 Jealous, but all right. Thank you. 347 00:17:10,500 --> 00:17:12,665 You ready for some payday loan 101? 348 00:17:12,666 --> 00:17:13,750 - Hit me. - Okay. 349 00:17:14,333 --> 00:17:16,290 So there's about ten million people 350 00:17:16,291 --> 00:17:19,040 who take out payday loans every year in the UK. 351 00:17:19,041 --> 00:17:21,790 There's about 250 companies that help with that, right? 352 00:17:21,791 --> 00:17:24,624 The big ones are Quick Dough, Snapcash Advance, 353 00:17:24,625 --> 00:17:27,874 and they really corner the market 75 to 85%. 354 00:17:27,875 --> 00:17:30,957 But it turns out they're just subsidiaries of the bigger companies. 355 00:17:30,958 --> 00:17:33,749 And those companies are run by companies in America 356 00:17:33,750 --> 00:17:34,832 based in New Jersey, 357 00:17:34,833 --> 00:17:37,832 but they're banned from doing business there, so they set up shop here, 358 00:17:37,833 --> 00:17:40,375 where there's easy pickings and way less regulation. 359 00:17:40,958 --> 00:17:42,499 - New Jersey? - Yeah. 360 00:17:42,500 --> 00:17:46,499 All right. So we're talking about Tony bloody Soprano. [laughs] 361 00:17:46,500 --> 00:17:50,124 Oh, no. You make it sound glamorous. It's not. This is not TV. 362 00:17:50,125 --> 00:17:52,707 And there's nothing glamorous about Carlo Mancini. 363 00:17:52,708 --> 00:17:53,999 Who's Carlo Mancini? 364 00:17:54,000 --> 00:17:57,457 This guy Carlo Mancini who owns the Colleridge Financial Services. 365 00:17:57,458 --> 00:18:00,666 How about this? He's been a suspect in nine criminal cases. 366 00:18:02,958 --> 00:18:05,207 Including murder and racketeering. 367 00:18:05,208 --> 00:18:06,666 He's never been convicted. 368 00:18:08,125 --> 00:18:10,874 Local law enforcement and the FBI? Well, they've tried. 369 00:18:10,875 --> 00:18:12,457 He has friends in really high places. 370 00:18:12,458 --> 00:18:15,374 So, you know, he tries to keep on the right side of the law. 371 00:18:15,375 --> 00:18:17,749 - Here and in the US. - Oh! Oliver! 372 00:18:17,750 --> 00:18:19,082 [coffee maker hissing] 373 00:18:19,083 --> 00:18:20,166 Oh crap! 374 00:18:20,875 --> 00:18:22,333 - Where you going? - [Oliver] Um... 375 00:18:22,916 --> 00:18:25,124 I... I... [gasps] 376 00:18:25,125 --> 00:18:26,416 I can't stay. 377 00:18:26,958 --> 00:18:29,207 She hates me. I almost hit her. 378 00:18:29,208 --> 00:18:31,041 - [scoffs] - [Dave] That was you? 379 00:18:32,083 --> 00:18:33,166 What did she say? 380 00:18:34,750 --> 00:18:36,166 Nothing. Come on. 381 00:18:37,750 --> 00:18:39,499 Jessica, Oliver. Oliver, Jessica. 382 00:18:39,500 --> 00:18:41,374 - That's your name? - Yeah. 383 00:18:41,375 --> 00:18:42,832 Uh, pleased to meet you. 384 00:18:42,833 --> 00:18:44,040 - Again. - [laughs] 385 00:18:44,041 --> 00:18:47,499 [Dave] Jessica has been telling me about the top dogs in payday lending. 386 00:18:47,500 --> 00:18:51,207 Basically, they're a bunch of criminals feathering their own nests, 387 00:18:51,208 --> 00:18:52,416 and I want it to stop. 388 00:18:54,250 --> 00:18:56,540 They're taking advantage of this country's loopholes 389 00:18:56,541 --> 00:18:59,249 to destroy whole communities. 390 00:18:59,250 --> 00:19:01,249 They're making threats, sending in the bailiffs, 391 00:19:01,250 --> 00:19:03,457 making people's lives a living hell. 392 00:19:03,458 --> 00:19:06,332 They're loan sharks, plain and simple. And that's illegal. 393 00:19:06,333 --> 00:19:08,166 We just need to prove it in court. 394 00:19:08,750 --> 00:19:10,499 And for that, we need to gather evidence 395 00:19:10,500 --> 00:19:12,457 from the people who've taken out these loans. 396 00:19:12,458 --> 00:19:16,707 On their own, people in power won't take a blind bit of notice. 397 00:19:16,708 --> 00:19:17,708 But together, 398 00:19:18,916 --> 00:19:20,999 they might just be a force to be reckoned with. 399 00:19:21,000 --> 00:19:23,874 Well, I know Zoe's mom's had problems, 400 00:19:23,875 --> 00:19:26,332 so, uh, we can certainly try and talk to her. 401 00:19:26,333 --> 00:19:30,249 And we've had a lot of calls at Citizens Advice 402 00:19:30,250 --> 00:19:31,958 about payday loans, so... 403 00:19:32,458 --> 00:19:36,082 Um... I can reach out and see if any of them are willing to talk to us. 404 00:19:36,083 --> 00:19:37,083 Great. 405 00:19:38,000 --> 00:19:39,958 Do you two think you can work together? 406 00:19:41,416 --> 00:19:43,082 - Yeah. I do... - I don't see why not. 407 00:19:43,083 --> 00:19:44,083 Smashing. 408 00:19:44,791 --> 00:19:46,291 Let's get this party started. 409 00:19:49,458 --> 00:19:51,832 Great, thanks. I'll be there in the next hour. 410 00:19:51,833 --> 00:19:55,415 No, it won't take up more than a couple of minutes of your time. 411 00:19:55,416 --> 00:19:56,915 [phones ringing] 412 00:19:56,916 --> 00:19:57,916 Hi. 413 00:19:58,333 --> 00:19:59,750 I'm here to call a truce. 414 00:20:00,416 --> 00:20:02,915 Yes. Thank you. Um... 415 00:20:02,916 --> 00:20:04,374 I'm sorry about the, uh... 416 00:20:04,375 --> 00:20:06,040 - But thank you. - Yeah. 417 00:20:06,041 --> 00:20:09,457 Anyway, I didn't realize there were so many victims of these companies here. 418 00:20:09,458 --> 00:20:12,207 Yeah, yeah. I'm actually off to see two of them now. 419 00:20:12,208 --> 00:20:14,249 Oh, really? Can I go with you? 420 00:20:14,250 --> 00:20:17,040 Um... Yeah. Sure. [laughs] 421 00:20:17,041 --> 00:20:18,583 Wait. Are you driving? 422 00:20:19,500 --> 00:20:21,749 I mean, we could take a taxi. 423 00:20:21,750 --> 00:20:24,165 There's a rank just a few streets away. 424 00:20:24,166 --> 00:20:26,790 [giggles] I'm kidding. Just giving you grief. Let's go. 425 00:20:26,791 --> 00:20:27,833 Right. 426 00:20:28,333 --> 00:20:30,165 - It's this one over here. - Okay. 427 00:20:30,166 --> 00:20:32,625 So you have kids? You married? What? 428 00:20:33,291 --> 00:20:37,958 Oh, I, um... I'd rather not talk about my personal life. 429 00:20:38,750 --> 00:20:41,415 Fair enough. I wouldn't want to talk about mine if I had one. 430 00:20:41,416 --> 00:20:43,500 [adventurous music plays] 431 00:20:46,875 --> 00:20:47,915 [exhales sharply] 432 00:20:47,916 --> 00:20:51,749 [Oliver] I love this part of Burnley. They're beautiful homes, these. 433 00:20:51,750 --> 00:20:54,458 [Jessica] You guys really love your hometown, huh? 434 00:20:55,000 --> 00:20:56,791 [birds chirping] 435 00:20:58,625 --> 00:20:59,625 [Jessica] Hey. 436 00:21:00,000 --> 00:21:01,000 [Oliver] Hey. 437 00:21:01,708 --> 00:21:03,457 - [girl] Mom! - [music fades] 438 00:21:03,458 --> 00:21:06,249 We were just wondering if... if you could tell us a bit about 439 00:21:06,250 --> 00:21:08,333 the payday loan that you took out. 440 00:21:09,916 --> 00:21:11,208 Eighteen months back. 441 00:21:11,708 --> 00:21:15,915 Ray, my husband, Zoe's dad... 442 00:21:15,916 --> 00:21:17,957 [water pouring] 443 00:21:17,958 --> 00:21:18,958 left me. 444 00:21:20,833 --> 00:21:24,000 So I got stuck with a pile of bills that he'd, uh... 445 00:21:25,000 --> 00:21:26,833 forgotten to pay. 446 00:21:27,541 --> 00:21:29,583 Gas, electric, 447 00:21:30,166 --> 00:21:31,166 and the rest. 448 00:21:32,125 --> 00:21:33,749 [teaspoon clinging] 449 00:21:33,750 --> 00:21:37,333 I was just in the middle of getting them all sorted out when I, uh... 450 00:21:39,166 --> 00:21:40,500 I had a car accident. 451 00:21:41,541 --> 00:21:43,041 It weren't even my fault. 452 00:21:44,958 --> 00:21:48,749 That's when I found out Ray hadn't paid the insurance either. 453 00:21:48,750 --> 00:21:49,707 So I, uh... 454 00:21:49,708 --> 00:21:50,708 [Oliver] Thanks. 455 00:21:51,291 --> 00:21:53,165 - Thank you. - [emotional music playing] 456 00:21:53,166 --> 00:21:54,207 [Zoe sniffs] 457 00:21:54,208 --> 00:21:55,500 So I got stuck 458 00:21:56,833 --> 00:21:58,874 with a 500 quid repair bill. 459 00:21:58,875 --> 00:22:01,250 You should have come to me, Mom. 460 00:22:02,250 --> 00:22:03,291 But I didn't. 461 00:22:04,416 --> 00:22:05,875 I went to QuickDough. 462 00:22:08,416 --> 00:22:10,541 I borrowed £600. 463 00:22:12,458 --> 00:22:15,000 I planned to pay it back in a month, but then, um... 464 00:22:16,000 --> 00:22:16,957 [Zoe sniffs] 465 00:22:16,958 --> 00:22:20,625 All these other final demands started coming in, so... 466 00:22:22,083 --> 00:22:23,125 Mom, it's okay. 467 00:22:23,708 --> 00:22:26,000 We'll find a way to sort this all out. Yeah. 468 00:22:27,916 --> 00:22:31,250 I owe close to £3,000. [whimpers] 469 00:22:33,083 --> 00:22:35,875 How are we ever going to be able to afford that? 470 00:22:37,625 --> 00:22:39,832 - Every few days we get... - [exhales] 471 00:22:39,833 --> 00:22:41,332 threatening letters. 472 00:22:41,333 --> 00:22:45,666 Then... [sniffs] ...guys turn up at the door. Big guys, you know. 473 00:22:46,583 --> 00:22:48,290 You see it happen all around here. 474 00:22:48,291 --> 00:22:49,707 They just take whatever they can. 475 00:22:49,708 --> 00:22:50,791 Well, uh, look... 476 00:22:51,916 --> 00:22:54,166 we're hoping to change all that. Okay? 477 00:22:54,708 --> 00:22:58,958 So we need as many people as we can to testify. 478 00:22:59,708 --> 00:23:00,582 In court? 479 00:23:00,583 --> 00:23:02,083 Yes. 480 00:23:02,666 --> 00:23:06,499 - Can you keep our names out of it? - Sorry, but that would be difficult. 481 00:23:06,500 --> 00:23:08,582 [emotional music continues] 482 00:23:08,583 --> 00:23:10,666 I'm in too much trouble as it is. 483 00:23:12,541 --> 00:23:14,500 I can't afford to make it worse. 484 00:23:15,625 --> 00:23:17,458 Yeah, I... I understand. 485 00:23:18,458 --> 00:23:20,458 [children clamoring] 486 00:23:26,791 --> 00:23:28,791 [emotional music continues] 487 00:23:33,375 --> 00:23:36,500 - Morning, Mary. - Morning, Dave. 488 00:23:37,541 --> 00:23:38,457 Hello, Dave. 489 00:23:38,458 --> 00:23:40,790 - Hi, Rachel. - How are you? 490 00:23:40,791 --> 00:23:43,750 I'm good. Now, how about you? Huh? 491 00:23:44,666 --> 00:23:47,125 I'm guessing that you've come here about a loan. 492 00:23:49,833 --> 00:23:54,290 We're trying to get as many people as we can to testify. It'd be in court. 493 00:23:54,291 --> 00:23:56,582 Is that something you might be interested in doing? 494 00:23:56,583 --> 00:23:58,624 We really wanna hear your story. 495 00:23:58,625 --> 00:24:00,041 I'm sorry, I can't. 496 00:24:01,791 --> 00:24:03,875 Come on, mate. Is this really necess... 497 00:24:07,208 --> 00:24:08,208 Um... 498 00:24:08,916 --> 00:24:11,458 Kirsten, hi, I'm Oliver. We spoke on the phone. 499 00:24:13,625 --> 00:24:15,749 We are sorry you're going through all this. 500 00:24:15,750 --> 00:24:17,708 - [baby crying] - I'd love to help. 501 00:24:18,333 --> 00:24:21,500 But we need to put this all behind us and get on with our lives. 502 00:24:22,458 --> 00:24:24,500 If you change your mind, will you let us know? 503 00:24:25,833 --> 00:24:26,833 Yeah. 504 00:24:30,666 --> 00:24:32,957 [Oliver] Uh, no. We haven't had the best day. 505 00:24:32,958 --> 00:24:35,124 - Look. People are scared, Dave. - [music fades] 506 00:24:35,125 --> 00:24:37,124 They can't afford to get into any more trouble. 507 00:24:37,125 --> 00:24:40,000 That's understandable. But what are we gonna do? 508 00:24:40,500 --> 00:24:41,707 [Oliver] Well, I... 509 00:24:41,708 --> 00:24:44,124 We were thinking that 510 00:24:44,125 --> 00:24:47,333 you could put your newfound celebrity to good use. 511 00:24:48,833 --> 00:24:49,833 How? 512 00:24:50,208 --> 00:24:53,332 Uh, this morning we've got Dave Fishwick with us again. 513 00:24:53,333 --> 00:24:56,915 Good morning, Dave. So good to see you. How is everything going with the bank? 514 00:24:56,916 --> 00:25:01,040 Oh, it's great. Tickety-boo. Uh, but I've got another bee in my bonnet. 515 00:25:01,041 --> 00:25:02,165 [woman] Ooh. 516 00:25:02,166 --> 00:25:04,374 - It's payday lenders. - Oh yeah. 517 00:25:04,375 --> 00:25:08,040 These companies, they're preying on the most vulnerable and desperate. 518 00:25:08,041 --> 00:25:10,165 They're... they're destroying whole communities. 519 00:25:10,166 --> 00:25:12,833 - Are they not regulated at all? - You'd have thought. 520 00:25:13,333 --> 00:25:16,290 After the big banks squandered billions of our money, 521 00:25:16,291 --> 00:25:19,040 the government promised that they'd get the situation under control. 522 00:25:19,041 --> 00:25:21,082 But somehow they've left a loophole 523 00:25:21,083 --> 00:25:25,958 which allows these companies to charge interest rates of over 5,000%. 524 00:25:26,750 --> 00:25:29,415 - It's... It's criminal. - So what can we do about it, Dave? 525 00:25:29,416 --> 00:25:30,415 Well... 526 00:25:30,416 --> 00:25:32,875 - [somber music playing] - I'm gonna take them to court. 527 00:25:33,916 --> 00:25:36,999 I am going to prove that they are loan sharks 528 00:25:37,000 --> 00:25:40,541 who belong in prison, and not million-pound mansions. 529 00:25:41,125 --> 00:25:42,125 But I need... 530 00:25:42,500 --> 00:25:44,165 Sorry, which camera am I on? 531 00:25:44,166 --> 00:25:45,207 [both] Camera one. 532 00:25:45,208 --> 00:25:48,458 Right. What I need is people to come forward. 533 00:25:49,041 --> 00:25:50,582 People who've been taken advantage of, 534 00:25:50,583 --> 00:25:55,207 people who've been driven into grinding poverty because of these buggers. 535 00:25:55,208 --> 00:25:59,249 {\an8}Now, I've set up a free phone line for you to call into. 536 00:25:59,250 --> 00:26:01,665 - We'll make sure that's on our website. - Yeah. 537 00:26:01,666 --> 00:26:04,083 - Thank you so much for doing this. - Thank you. 538 00:26:04,875 --> 00:26:06,708 [dramatic music playing] 539 00:26:07,333 --> 00:26:08,790 [phone line ringing] 540 00:26:08,791 --> 00:26:10,207 [woman] Mr. Mancini. 541 00:26:10,208 --> 00:26:13,249 - Hey, so I watched that clip. - [woman] Mm-hmm. 542 00:26:13,250 --> 00:26:16,665 - I don't really see what the problem is. - [woman scoffs] Are you serious? 543 00:26:16,666 --> 00:26:17,874 No! 544 00:26:17,875 --> 00:26:19,540 Who the hell is this clown? 545 00:26:19,541 --> 00:26:20,957 Dave Fishwick. 546 00:26:20,958 --> 00:26:23,582 Runs a community bank in Burnley. 547 00:26:23,583 --> 00:26:25,874 They loan money to local families and businesses. 548 00:26:25,875 --> 00:26:27,374 And give their profits to charity. 549 00:26:27,375 --> 00:26:28,999 So he's like a communist? 550 00:26:29,000 --> 00:26:31,833 [scoffs] No. He's a successful local businessman. 551 00:26:32,625 --> 00:26:34,458 Great. So we can buy him off. 552 00:26:35,208 --> 00:26:36,582 [woman] I don't think that'll work. 553 00:26:36,583 --> 00:26:39,291 But I do have an idea of how to get him off our backs. 554 00:26:40,125 --> 00:26:42,791 All right. I don't need the details. Just tell me how much. 555 00:26:43,541 --> 00:26:45,291 Uh, 250,000? 556 00:26:46,125 --> 00:26:47,957 Plus the same again in fees. 557 00:26:47,958 --> 00:26:49,290 Come on. 558 00:26:49,291 --> 00:26:51,207 [woman] Pounds, not dollars. 559 00:26:51,208 --> 00:26:53,166 You spend that every week on advertising. 560 00:26:53,833 --> 00:26:56,082 Look, I wouldn't underestimate this guy. 561 00:26:56,083 --> 00:26:58,624 At best, he's gonna cost you millions in bad publicity. 562 00:26:58,625 --> 00:27:00,375 At worst, he'll take down the whole company. 563 00:27:02,250 --> 00:27:04,583 All right. Fine. You'll have it tomorrow. 564 00:27:05,208 --> 00:27:07,415 Just make sure none of this comes back on me. 565 00:27:07,416 --> 00:27:08,790 [woman] Of course. 566 00:27:08,791 --> 00:27:11,874 Whatever shit you throw at this guy, make sure it sticks. 567 00:27:11,875 --> 00:27:13,000 I will. 568 00:27:15,041 --> 00:27:16,332 [dramatic music fades] 569 00:27:16,333 --> 00:27:19,249 How long to set up an offshore shell corporation with a bank account? 570 00:27:19,250 --> 00:27:24,124 Incorporation can be done in days, but bank account can take weeks. 571 00:27:24,125 --> 00:27:26,832 But if this is Colleridge and QuickDough... 572 00:27:26,833 --> 00:27:30,582 Well, they had Thornton, Arbuthnot, Welsh, set up a string of shell companies 573 00:27:30,583 --> 00:27:32,290 in different tax jurisdictions. 574 00:27:32,291 --> 00:27:34,583 So maybe you could use one of them? 575 00:27:35,375 --> 00:27:36,375 Excellent. 576 00:27:37,041 --> 00:27:38,165 [dramatic music ends] 577 00:27:38,166 --> 00:27:41,166 ["Pour Some Sugar on Me" by Def Leppard playing] 578 00:27:42,125 --> 00:27:44,874 ♪ Break the bubble ♪ 579 00:27:44,875 --> 00:27:46,832 ♪ Break it up ♪ 580 00:27:46,833 --> 00:27:50,707 ♪ Pour some sugar on me ♪ 581 00:27:50,708 --> 00:27:52,499 ♪ Ooh, in the name of love ♪ 582 00:27:52,500 --> 00:27:53,874 ♪ Pour some... ♪ 583 00:27:53,875 --> 00:27:56,583 - [music stops] - ♪ Sugar on me ♪ 584 00:27:58,375 --> 00:28:01,916 ♪ Pour your sugar on me ♪ 585 00:28:02,791 --> 00:28:03,791 Hiya! 586 00:28:04,958 --> 00:28:06,624 - Morning! - [woman] Morning, Dave. 587 00:28:06,625 --> 00:28:09,999 - Hiya! How's it going? - Look, Dave. 588 00:28:10,000 --> 00:28:12,415 The calls are still coming in thick and fast. 589 00:28:12,416 --> 00:28:16,040 A lot of people have been treated, like, really badly in your country. 590 00:28:16,041 --> 00:28:18,582 But we're still missing that one piece of damning evidence 591 00:28:18,583 --> 00:28:20,290 we could use to take them to court. 592 00:28:20,291 --> 00:28:23,749 Sorry. Sorry to interrupt, but, uh, you need to see this, Dave. 593 00:28:23,750 --> 00:28:24,750 What is it? 594 00:28:25,958 --> 00:28:27,374 They're closing us down. 595 00:28:27,375 --> 00:28:29,915 - [indistinct chatter] - [phones ringing] 596 00:28:29,916 --> 00:28:31,749 What did they say we've done? 597 00:28:31,750 --> 00:28:34,666 We're being accused of laundering money. 598 00:28:35,250 --> 00:28:36,791 Money laundering? Us? 599 00:28:38,625 --> 00:28:40,207 Do they give any details? 600 00:28:40,208 --> 00:28:43,749 Just that proceeds from criminal activity were deposited in this bank. 601 00:28:43,750 --> 00:28:44,832 [sighs] All right. 602 00:28:44,833 --> 00:28:48,749 Then we go through all the money that's come in with a fine-tooth comb. 603 00:28:48,750 --> 00:28:50,083 It's gonna take a while. 604 00:28:50,666 --> 00:28:52,000 Have we got any choice? 605 00:28:52,708 --> 00:28:54,582 Has to be the big banks behind this. 606 00:28:54,583 --> 00:28:56,541 [exhales sharply] No. 607 00:28:57,458 --> 00:28:59,165 No. They had their shot and they blew it. 608 00:28:59,166 --> 00:29:02,333 This is the payday loan companies, or at least one of them. 609 00:29:02,916 --> 00:29:04,458 They want to make me look bad. 610 00:29:05,416 --> 00:29:08,750 Dave, is there anything we can do to help? 611 00:29:09,416 --> 00:29:12,999 [scoffs] The payday loan companies want me out of the game, 612 00:29:13,000 --> 00:29:14,207 so they're playing dirty. 613 00:29:14,208 --> 00:29:16,374 We need to expose them for what they are. 614 00:29:16,375 --> 00:29:19,665 So what you two are doing, is more important now than ever. 615 00:29:19,666 --> 00:29:23,041 I'm going to have my hands full with this, but I'll help where I can. 616 00:29:23,625 --> 00:29:24,915 In the meantime... 617 00:29:24,916 --> 00:29:26,290 [mellow music playing] 618 00:29:26,291 --> 00:29:27,665 [trash can clatters] 619 00:29:27,666 --> 00:29:28,833 let's get to work. 620 00:29:30,958 --> 00:29:32,540 [Carlo] So it was money well spent? 621 00:29:32,541 --> 00:29:34,124 [woman] Definitely. 622 00:29:34,125 --> 00:29:37,583 And if they want to challenge the order, they can fight us in court. 623 00:29:38,208 --> 00:29:39,499 Yeah, I don't know about that. 624 00:29:39,500 --> 00:29:42,082 That gives them another chance to attack us in public. 625 00:29:42,083 --> 00:29:44,457 - I think we should settle. - Ugh, seriously? 626 00:29:44,458 --> 00:29:45,541 We could crush him. 627 00:29:46,041 --> 00:29:47,125 What the fuck? 628 00:29:48,083 --> 00:29:49,790 All right, but how's that gonna look? 629 00:29:49,791 --> 00:29:51,665 People like the guy, okay? 630 00:29:51,666 --> 00:29:53,665 If we can get him to stop his attacks on us 631 00:29:53,666 --> 00:29:56,832 and retract the statements about the payday loan industry, 632 00:29:56,833 --> 00:29:58,332 then we wind up looking good. 633 00:29:58,333 --> 00:30:00,457 We might even be able to use his retractions 634 00:30:00,458 --> 00:30:02,665 as an endorsement of the industry. 635 00:30:02,666 --> 00:30:04,165 [intriguing music playing] 636 00:30:04,166 --> 00:30:07,499 - We end up on the moral high ground. - Not a place you're familiar with, huh? 637 00:30:07,500 --> 00:30:09,624 - Ha-ha. - Let's make it happen. 638 00:30:09,625 --> 00:30:10,625 [woman] Right. 639 00:30:11,083 --> 00:30:12,083 [music fades] 640 00:30:13,333 --> 00:30:16,374 - [cheering] - Come on, Dave. It's not over. 641 00:30:16,375 --> 00:30:17,624 [indistinct chatter] 642 00:30:17,625 --> 00:30:20,833 We might have lost a battle, but we can still win the war. 643 00:30:21,333 --> 00:30:23,332 Anyone else with platitudes to make me feel better? 644 00:30:23,333 --> 00:30:24,749 [Nicky sighs] 645 00:30:24,750 --> 00:30:26,457 [smacks lips] Uh, sorry, love. 646 00:30:26,458 --> 00:30:28,290 Good evening, ladies and gentlemen. 647 00:30:28,291 --> 00:30:31,165 It's Monday night, and that can only mean one thing. 648 00:30:31,166 --> 00:30:33,832 - It's karaoke night! - [all cheering] 649 00:30:33,833 --> 00:30:37,374 All right. Last week, he gave us his cowboy song, 650 00:30:37,375 --> 00:30:39,374 and let's see what he's got this time. 651 00:30:39,375 --> 00:30:40,790 Dave Fishwick! 652 00:30:40,791 --> 00:30:41,957 - Dave! - [all cheering] 653 00:30:41,958 --> 00:30:43,999 No! I'm good, thanks. Not tonight. 654 00:30:44,000 --> 00:30:45,499 - Come on, darling. - No. 655 00:30:45,500 --> 00:30:47,666 - Who's next on my list? - [Jessica] Uh... I. 656 00:30:48,250 --> 00:30:49,790 Uh, can I take Dave's spot? 657 00:30:49,791 --> 00:30:52,791 Uh, yeah. Of course you can. Up you come, love. 658 00:30:54,250 --> 00:30:55,250 Wow. 659 00:30:56,041 --> 00:30:57,665 - She's confident, isn't she? - [laughs] 660 00:30:57,666 --> 00:31:00,665 - What do you want to sing? - Um, do you have "This Land Is Your Land"? 661 00:31:00,666 --> 00:31:01,749 [man] I can look. 662 00:31:01,750 --> 00:31:04,124 - Hi, Burnley! - [all] Hiya! 663 00:31:04,125 --> 00:31:05,415 Hi! 664 00:31:05,416 --> 00:31:06,957 Um... Obviously, I'm American. 665 00:31:06,958 --> 00:31:08,499 - Sorry about that. - [laughing] 666 00:31:08,500 --> 00:31:11,124 Uh, but I guess it's better than being from London, right? 667 00:31:11,125 --> 00:31:12,582 [all chuckling] Yeah! 668 00:31:12,583 --> 00:31:16,125 So this is an American protest song, and I think it's pretty fitting, 669 00:31:16,666 --> 00:31:17,749 especially for here. 670 00:31:17,750 --> 00:31:18,707 So... 671 00:31:18,708 --> 00:31:21,290 ["This Land is Your Land" playing] 672 00:31:21,291 --> 00:31:24,665 ♪ This land is your land ♪ 673 00:31:24,666 --> 00:31:28,207 ♪ This land is my land ♪ 674 00:31:28,208 --> 00:31:31,165 ♪ From California ♪ 675 00:31:31,166 --> 00:31:34,832 ♪ To the New York Island ♪ 676 00:31:34,833 --> 00:31:38,082 ♪ From the Redwood Forest ♪ 677 00:31:38,083 --> 00:31:42,125 ♪ To the Gulf Stream waters ♪ 678 00:31:43,000 --> 00:31:47,750 ♪ This land was made for you and me ♪ 679 00:31:48,958 --> 00:31:51,957 ♪ As I went walking ♪ 680 00:31:51,958 --> 00:31:55,540 ♪ That ribbon of highway ♪ 681 00:31:55,541 --> 00:32:01,541 ♪ And I saw above me that endless skyway ♪ 682 00:32:02,125 --> 00:32:05,000 ♪ And I saw below me ♪ 683 00:32:05,791 --> 00:32:09,291 ♪ That golden valley ♪ 684 00:32:10,291 --> 00:32:15,874 ♪ This land was made for you and me ♪ 685 00:32:15,875 --> 00:32:18,290 [all cheering loudly] 686 00:32:18,291 --> 00:32:19,500 Fantastic! 687 00:32:21,083 --> 00:32:23,250 [suspenseful music playing] 688 00:32:35,958 --> 00:32:37,318 - [assistant] Dave? - [music fades] 689 00:32:37,916 --> 00:32:38,915 Mr. Fishwick. 690 00:32:38,916 --> 00:32:40,415 Margot Stockton. 691 00:32:40,416 --> 00:32:42,583 My firm issued the cease and desist letter. 692 00:32:43,333 --> 00:32:45,915 - What do you want? - I come bearing good news. 693 00:32:45,916 --> 00:32:48,875 My client is prepared to withdraw the cease and desist. 694 00:32:50,041 --> 00:32:51,041 All right. 695 00:32:52,708 --> 00:32:53,749 And in return? 696 00:32:53,750 --> 00:32:56,082 You call off the campaign against us 697 00:32:56,083 --> 00:32:58,625 and withdraw the statements you made about our industry 698 00:32:59,500 --> 00:33:00,874 So you want him to lie? 699 00:33:00,875 --> 00:33:03,832 I wouldn't say that. Just a different version of the truth. 700 00:33:03,833 --> 00:33:05,082 [Dave scoffs] 701 00:33:05,083 --> 00:33:07,249 [Margot] I watched the documentary about you. 702 00:33:07,250 --> 00:33:08,625 Very moving. 703 00:33:09,208 --> 00:33:14,166 There are a lot of people in this town who rely heavily on this institution. 704 00:33:14,916 --> 00:33:16,915 Wouldn't want to let them down, would you? 705 00:33:16,916 --> 00:33:19,416 [laughing] Let them down? Wow! 706 00:33:20,208 --> 00:33:22,165 Well, that's not gonna happen if we win in court. 707 00:33:22,166 --> 00:33:23,499 Oh, big if. 708 00:33:23,500 --> 00:33:24,708 Oh, maybe. 709 00:33:25,458 --> 00:33:27,375 But what are the stakes here? Ey? 710 00:33:28,166 --> 00:33:32,415 You win, you shut us down, you hurt a lot of people, 711 00:33:32,416 --> 00:33:34,083 you look like the scum you are. 712 00:33:34,916 --> 00:33:37,582 And that plays right into the hands of the politicians 713 00:33:37,583 --> 00:33:39,832 who are already looking to shut you down. 714 00:33:39,833 --> 00:33:41,290 Or you don't win. 715 00:33:41,291 --> 00:33:44,874 You lose millions and some of you end up behind bars 716 00:33:44,875 --> 00:33:46,915 which I, for one, think is where you belong. 717 00:33:46,916 --> 00:33:48,082 [scoffs softly] 718 00:33:48,083 --> 00:33:50,541 Fine. If that's what you want... 719 00:33:53,291 --> 00:33:54,291 Yeah. 720 00:33:56,500 --> 00:33:57,332 It is. 721 00:33:57,333 --> 00:33:59,540 [joyful music playing] 722 00:33:59,541 --> 00:34:00,958 I'll see you in court. 723 00:34:01,541 --> 00:34:02,874 Look forward to it. 724 00:34:02,875 --> 00:34:04,250 - Wow. - [door closes] 725 00:34:05,375 --> 00:34:06,458 Nicky Fishwick. 726 00:34:07,791 --> 00:34:08,749 [Carlo] You called? 727 00:34:08,750 --> 00:34:10,665 [Margot] I just wasted my time and your money 728 00:34:10,666 --> 00:34:13,957 going to see Fishwick in his grotty little northern bank. 729 00:34:13,958 --> 00:34:16,915 - He's not gonna play ball. - Then you gotta crush him in court. 730 00:34:16,916 --> 00:34:17,915 [Margot] Not a problem. 731 00:34:17,916 --> 00:34:22,208 Mr. Fishwick is already dead. Now he just needs to get himself buried. 732 00:34:22,875 --> 00:34:24,415 I like the sound of that. 733 00:34:24,416 --> 00:34:25,666 Keep me posted. 734 00:34:26,166 --> 00:34:28,166 [suspenseful music playing] 735 00:34:29,541 --> 00:34:31,000 [man] I think I've got something. 736 00:34:31,750 --> 00:34:32,749 - What? - [music fades] 737 00:34:32,750 --> 00:34:35,582 Deposits that came in right after you appeared on TV. 738 00:34:35,583 --> 00:34:38,832 They're from four Burnley companies with the same address. 739 00:34:38,833 --> 00:34:39,915 What's wrong with that? 740 00:34:39,916 --> 00:34:42,124 They're all subsidiaries of offshore companies. 741 00:34:42,125 --> 00:34:45,083 How many people in these parts have got offshore accounts? 742 00:34:46,250 --> 00:34:48,124 How did we not spot this? 743 00:34:48,125 --> 00:34:51,290 The deposits were under £10,000, and the companies themselves, 744 00:34:51,291 --> 00:34:53,041 they didn't raise any red flags. 745 00:34:53,541 --> 00:34:58,415 But the best part is that Carlo Mancini 746 00:34:58,416 --> 00:35:01,583 is listed as a director of one of those offshore companies. 747 00:35:02,625 --> 00:35:04,333 Christmas bloody pudding. 748 00:35:06,208 --> 00:35:07,415 Well, this is it, huh? 749 00:35:07,416 --> 00:35:09,499 This is... This is the smoking gun. 750 00:35:09,500 --> 00:35:11,790 We could get the court to throw out the case. 751 00:35:11,791 --> 00:35:15,207 - [billiard balls clicking] - Well, thanks so much for talking to us. 752 00:35:15,208 --> 00:35:18,040 We just wanted to ask you a few questions. 753 00:35:18,041 --> 00:35:21,374 Yeah. Could you just talk about the payday loan that you took out? 754 00:35:21,375 --> 00:35:24,249 Well, it weren't me. My eldest, Stacy. 755 00:35:24,250 --> 00:35:26,457 He's the one who took out the loans. 756 00:35:26,458 --> 00:35:27,916 Loans? Wha... 757 00:35:28,625 --> 00:35:31,040 - More than one? - Well, three I know of. 758 00:35:31,041 --> 00:35:34,750 Different companies. About 600 quid in total. 759 00:35:35,333 --> 00:35:36,666 Probably owes thousands now. 760 00:35:37,250 --> 00:35:40,374 Right. And how's he hoping to pay that back? 761 00:35:40,375 --> 00:35:41,375 He's not. 762 00:35:41,833 --> 00:35:43,166 He doesn't have a job. 763 00:35:43,708 --> 00:35:47,541 He works on and off, but all the money he makes is all under the table. 764 00:35:48,125 --> 00:35:51,375 So he only has cash. And you can only pay it back online? 765 00:35:53,666 --> 00:35:55,957 So how did he get the loan in the first place? 766 00:35:55,958 --> 00:35:59,500 He probably lied on the application form and they didn't bother to check. 767 00:36:00,166 --> 00:36:02,874 Nobody with any sense would lend Stacy money. 768 00:36:02,875 --> 00:36:04,916 I wouldn't, and I'm his mom. 769 00:36:06,041 --> 00:36:09,083 Look, Stacy's not a bad lad. 770 00:36:09,791 --> 00:36:12,708 He's got that dyslexia thing, so he was crap at school. 771 00:36:13,250 --> 00:36:17,125 The teachers gave up on him, so he was on a scrap heap before he was 16. 772 00:36:18,000 --> 00:36:21,083 There's no jobs around here for someone without skills. 773 00:36:21,708 --> 00:36:24,708 He lives online and will probably end up in prison. 774 00:36:25,791 --> 00:36:27,458 Might be the best place for him. 775 00:36:28,166 --> 00:36:30,000 Maybe he'll make some friends there. 776 00:36:32,000 --> 00:36:33,375 I'll make you a cup of tea. 777 00:36:33,875 --> 00:36:35,083 Yeah, please. 778 00:36:38,291 --> 00:36:39,625 [somber music playing] 779 00:36:42,541 --> 00:36:43,790 - [Jessica] Thank you. - All right. 780 00:36:43,791 --> 00:36:44,916 Thanks, Sally. 781 00:36:49,666 --> 00:36:50,791 I was married. 782 00:36:51,541 --> 00:36:53,208 We divorced a year ago. 783 00:36:55,083 --> 00:36:58,250 Well, the other day you asked me about my life. 784 00:36:59,125 --> 00:37:00,125 I did. 785 00:37:00,458 --> 00:37:05,500 Yeah. Pan, my ex, she... [scoffs] She thought I was boring. 786 00:37:06,500 --> 00:37:09,250 Or, at least, my life was boring. 787 00:37:10,541 --> 00:37:12,832 Yeah. I do other people's accounts. 788 00:37:12,833 --> 00:37:16,875 I listen to other people's problems at Citizens Advice. 789 00:37:17,625 --> 00:37:19,333 She wasn't wrong. [chuckles] 790 00:37:21,958 --> 00:37:23,457 But what we're doing here 791 00:37:23,458 --> 00:37:26,416 makes me feel like I might be able to make a difference. 792 00:37:28,166 --> 00:37:29,166 I think you are. 793 00:37:30,541 --> 00:37:35,833 Well, I had a thing with this guy who was a cop in New Jersey. 794 00:37:36,333 --> 00:37:39,375 We dated off and on for, like, hmm, three or four years. 795 00:37:39,916 --> 00:37:41,915 But ultimately, we decided to end it 796 00:37:41,916 --> 00:37:44,915 because he wanted a more normal, stable home life. 797 00:37:44,916 --> 00:37:47,832 You know, whatever that means. [laughs] 798 00:37:47,833 --> 00:37:51,457 Anyway, I was always really busy writing my stories. I didn't go out. 799 00:37:51,458 --> 00:37:54,250 And plus... Ugh! I hated his friends. 800 00:37:55,083 --> 00:37:59,583 I mean, not that I had any of my own, but obviously, we were not meant to be, 801 00:38:00,416 --> 00:38:02,000 which is fine. 802 00:38:17,000 --> 00:38:18,332 We should head off. 803 00:38:18,333 --> 00:38:19,583 Hmm... Yeah. 804 00:38:22,958 --> 00:38:24,249 - [music fades] - [knocking on door] 805 00:38:24,250 --> 00:38:26,333 - [man] Dave, have you got a minute? - Yeah, come in. 806 00:38:29,000 --> 00:38:30,250 You all right, Dave? 807 00:38:34,166 --> 00:38:35,833 I'm proud of this place. 808 00:38:36,583 --> 00:38:38,500 It's the best thing I've done in my life. 809 00:38:39,166 --> 00:38:40,791 And now them lot are just gonna 810 00:38:41,791 --> 00:38:44,416 grind us down to nothing just to make even more money. 811 00:38:45,333 --> 00:38:47,458 Hey, uh, sorry to interrupt. Um... 812 00:38:48,166 --> 00:38:50,249 We have an idea. It's a bit out there. 813 00:38:50,250 --> 00:38:53,374 But as you know, we've been striking out with the payday lending victims 814 00:38:53,375 --> 00:38:54,499 because they're frightened. 815 00:38:54,500 --> 00:38:57,374 But we met a guy in Leeds who took out a couple loans 816 00:38:57,375 --> 00:38:59,457 and he tried to pay them back in cash but couldn't, 817 00:38:59,458 --> 00:39:01,249 'cause there weren't any offices there. 818 00:39:01,250 --> 00:39:02,666 [Oliver] It's all online. 819 00:39:03,666 --> 00:39:04,749 That's not legal. 820 00:39:04,750 --> 00:39:08,915 No, but it does give you an insight into who and what these companies are, 821 00:39:08,916 --> 00:39:10,957 and how bloody hard they make it 822 00:39:10,958 --> 00:39:13,583 for people to physically pay the loans back. 823 00:39:14,208 --> 00:39:15,624 Um... Go on then. 824 00:39:15,625 --> 00:39:19,040 Right. So our idea is that you buy some of the loans 825 00:39:19,041 --> 00:39:20,540 and you try to pay them back. 826 00:39:20,541 --> 00:39:22,000 And we film you doing it. 827 00:39:23,875 --> 00:39:25,207 H... How does that work? 828 00:39:25,208 --> 00:39:28,082 Dave, if you want to save all this, 829 00:39:28,083 --> 00:39:30,416 you need to get public opinion on your side. 830 00:39:31,000 --> 00:39:33,540 We can show people what these companies are like 831 00:39:33,541 --> 00:39:36,832 by making short videos and uploading them to the internet. 832 00:39:36,833 --> 00:39:40,124 If it goes viral, you'll get millions behind you. 833 00:39:40,125 --> 00:39:42,790 - That sounds expensive. - No, no. Listen. 834 00:39:42,791 --> 00:39:46,707 I've got a local lad who does promotional videos for Citizens Advice. 835 00:39:46,708 --> 00:39:50,957 It's not exactly Hollywood comes to Burnley, but he's good. 836 00:39:50,958 --> 00:39:53,165 It won't cost more than a couple of grand. 837 00:39:53,166 --> 00:39:55,291 This is how you fight back, Dave. 838 00:39:55,791 --> 00:39:59,083 Not in the court, but out there in the street. 839 00:40:00,625 --> 00:40:02,790 And the best bit is... 840 00:40:02,791 --> 00:40:05,750 Yeah, we already have a title for the clips. 841 00:40:06,875 --> 00:40:10,457 Dave Fishwick, the Loan Ranger. 842 00:40:10,458 --> 00:40:12,541 [inspirational music playing] 843 00:40:13,333 --> 00:40:15,125 Loan Ranger? 844 00:40:19,208 --> 00:40:20,666 Let's bloody do it. 845 00:40:24,500 --> 00:40:25,500 Okay. 846 00:40:26,375 --> 00:40:27,833 Two seconds, Dave. 847 00:40:29,500 --> 00:40:32,000 Looking good. Okay. Whenever you're ready, Dave. 848 00:40:34,541 --> 00:40:37,540 Today, we're going to go and visit Mary and Ted Boothroyd. 849 00:40:37,541 --> 00:40:40,124 Now, Ted, he were a cleaner before he was laid off. 850 00:40:40,125 --> 00:40:42,790 And Mary, she works part-time as a teacher. 851 00:40:42,791 --> 00:40:45,874 Last year, they borrowed 300 quid from QuickDough. 852 00:40:45,875 --> 00:40:47,082 Just 300 quid. 853 00:40:47,083 --> 00:40:51,040 Today, they owe them £1,900. 854 00:40:51,041 --> 00:40:53,332 So let's see if we can go help them out. 855 00:40:53,333 --> 00:40:55,832 Since we took that loan, we've been saving. 856 00:40:55,833 --> 00:40:58,249 - [music fades] - But it hasn't made a dent. 857 00:40:58,250 --> 00:41:01,040 - How much did you manage to save? - Near on 600. 858 00:41:01,041 --> 00:41:03,583 - But that's not half what we owe. - Right. 859 00:41:04,541 --> 00:41:08,624 Now, at the Bank of Dave, we'd have charged you 340 quid. 860 00:41:08,625 --> 00:41:12,707 So pay me that now, and I'll take on the loan myself. 861 00:41:12,708 --> 00:41:14,790 And all the responsibility for repaying it. 862 00:41:14,791 --> 00:41:17,750 - Yeah, we've got the legal contracts here. - [Ted laughs] 863 00:41:18,333 --> 00:41:19,666 That's amazing, Dave. 864 00:41:20,166 --> 00:41:23,790 But isn't your bank having legal problems of its own? 865 00:41:23,791 --> 00:41:25,582 Well, good news travels fast. 866 00:41:25,583 --> 00:41:26,665 No, it is. 867 00:41:26,666 --> 00:41:28,665 And, uh... and we'll get them sorted soon. 868 00:41:28,666 --> 00:41:31,540 But, uh, you don't need to worry about that, 869 00:41:31,541 --> 00:41:34,165 because I'm taking on the loan personally. 870 00:41:34,166 --> 00:41:35,915 - Okay? - [Ted sighs] 871 00:41:35,916 --> 00:41:38,458 - [melancholy music playing] - [birds chirping] 872 00:41:42,333 --> 00:41:43,333 Right. 873 00:41:45,541 --> 00:41:47,375 [dog barking in distance] 874 00:41:51,958 --> 00:41:53,500 - Hey. - [Oliver] Hey. [chuckles] 875 00:41:54,291 --> 00:41:57,250 - Oh, uh... You know Dave and Jessica. - Yeah. 876 00:41:57,875 --> 00:41:59,958 - Don't worry about... [laughs] - [Zoe laughs] 877 00:42:00,666 --> 00:42:03,416 - How are you? - I'm okay, yeah. Um... 878 00:42:04,458 --> 00:42:06,624 Listen, I haven't told Mom about this yet, 879 00:42:06,625 --> 00:42:07,666 because, uh... 880 00:42:09,083 --> 00:42:11,333 She's been let down too many times, you know? 881 00:42:12,250 --> 00:42:13,375 Yeah, well, um... 882 00:42:14,625 --> 00:42:16,208 [exhales] Not today. 883 00:42:17,791 --> 00:42:18,749 Right. 884 00:42:18,750 --> 00:42:19,750 Yeah. 885 00:42:20,208 --> 00:42:22,208 - Come in. [laughs] - [Oliver sighs] 886 00:42:25,041 --> 00:42:27,000 I've got the paperwork just here. 887 00:42:27,750 --> 00:42:29,250 All you have to do is sign it. 888 00:42:33,916 --> 00:42:35,666 [sighs] It's just... 889 00:42:36,333 --> 00:42:38,541 It's like a huge weight lifted off our shoulders. 890 00:42:40,958 --> 00:42:42,625 - Well, I'm glad. - [Zoe] Yeah. 891 00:42:43,125 --> 00:42:44,916 Mom. Mom. [sniffs] 892 00:42:46,041 --> 00:42:47,625 Just sign. Just sign. 893 00:42:51,583 --> 00:42:53,291 [melancholy music continues] 894 00:42:53,875 --> 00:42:55,125 I don't know what to say. 895 00:42:56,750 --> 00:42:57,791 [laughs] 896 00:42:58,458 --> 00:43:00,500 [voice breaking] I don't know how to thank you. 897 00:43:01,000 --> 00:43:02,041 [Zoe's mom sighs] 898 00:43:02,791 --> 00:43:05,290 Ah, just give us a hug. [chuckles] 899 00:43:05,291 --> 00:43:07,290 [Zoe gasps] 900 00:43:07,291 --> 00:43:09,166 [Zoe's mom sobs] 901 00:43:14,041 --> 00:43:15,791 Come here, love. Yeah, you. 902 00:43:16,708 --> 00:43:18,290 - [Zoe sniffling] - [exhales] 903 00:43:18,291 --> 00:43:19,832 You'll have me going soon. 904 00:43:19,833 --> 00:43:22,166 - [all laughing] - [Zoe's mom cries] 905 00:43:28,166 --> 00:43:29,250 [Dave exhales] 906 00:43:39,375 --> 00:43:41,208 - You okay? - [exhales shakily] 907 00:43:44,416 --> 00:43:45,666 Come on, let's go. 908 00:43:51,250 --> 00:43:52,582 [melancholy music fades] 909 00:43:52,583 --> 00:43:53,499 [chattering] 910 00:43:53,500 --> 00:43:55,207 - [Dave] Hiya, love. We're over there. - Hey! 911 00:43:55,208 --> 00:43:56,749 - Hiya. - [man] Hi, Nicky. 912 00:43:56,750 --> 00:43:59,458 Hey. How did it go today? 913 00:44:00,166 --> 00:44:02,832 Yeah. We got some good footage 914 00:44:02,833 --> 00:44:04,000 Great. 915 00:44:04,583 --> 00:44:06,833 But I meant, how's it going with you? 916 00:44:08,000 --> 00:44:09,374 - I'm fine, thanks. - Okay. 917 00:44:09,375 --> 00:44:10,665 [Oliver] Here we go. 918 00:44:10,666 --> 00:44:13,290 - [Jessica] Okay. - [Nicky] So I have just seen this. 919 00:44:13,291 --> 00:44:19,291 Andrew Stevenson, our MP, is doing a surgery in town on Friday. 920 00:44:19,416 --> 00:44:21,540 We'd agreed the politicians wouldn't be any use. 921 00:44:21,541 --> 00:44:24,165 Well, he backed you when you were setting up the bank, 922 00:44:24,166 --> 00:44:26,832 and helping Dave Fishwick on his new mission 923 00:44:26,833 --> 00:44:29,082 has to be good publicity for him. 924 00:44:29,083 --> 00:44:31,040 Especially now you've got your own film crew. 925 00:44:31,041 --> 00:44:31,957 [Jessica snorts] 926 00:44:31,958 --> 00:44:34,166 People say I'm only with her for her looks. 927 00:44:34,666 --> 00:44:36,374 Right, here's to a great day. Hmm? 928 00:44:36,375 --> 00:44:37,832 And here's to an even better day 929 00:44:37,833 --> 00:44:39,790 when we start trying to pay the money back. 930 00:44:39,791 --> 00:44:42,124 - Cheers. - Cheers. 931 00:44:42,125 --> 00:44:43,582 [joyful music playing] 932 00:44:43,583 --> 00:44:44,583 Cheers. 933 00:44:55,041 --> 00:44:56,624 And these are the head offices? 934 00:44:56,625 --> 00:44:57,707 [joyful music fades] 935 00:44:57,708 --> 00:44:58,833 Apparently. 936 00:45:01,875 --> 00:45:02,875 Hello, boss. 937 00:45:03,416 --> 00:45:05,207 Falafel, chips, and a loan, please. 938 00:45:05,208 --> 00:45:06,540 No, I'm only kidding. Um... 939 00:45:06,541 --> 00:45:08,915 Looking for the offices of SnapCash Advance. 940 00:45:08,916 --> 00:45:10,791 Just round the back, mate. 941 00:45:11,375 --> 00:45:12,375 Cheers, pal. 942 00:45:17,333 --> 00:45:18,249 [Oliver] Anything? 943 00:45:18,250 --> 00:45:20,583 [sighs] Doesn't seem to be anybody at home. 944 00:45:24,541 --> 00:45:25,541 Empty. 945 00:45:27,791 --> 00:45:28,665 Nothing. 946 00:45:28,666 --> 00:45:29,666 Dave. 947 00:45:30,250 --> 00:45:32,375 There's a pile of unopened mail here. 948 00:45:32,916 --> 00:45:35,166 - Here, get a shot of that. - Yeah, on it. 949 00:45:36,500 --> 00:45:37,500 Right. 950 00:45:38,000 --> 00:45:39,250 On to the next. 951 00:45:41,541 --> 00:45:43,790 This looks a bit more hopeful. 952 00:45:43,791 --> 00:45:44,958 Afternoon. 953 00:45:51,458 --> 00:45:52,583 Mr. Jenkins? 954 00:45:53,833 --> 00:45:55,582 Uh-uh... [laughs] 955 00:45:55,583 --> 00:45:57,666 - You can't film in here. - Why not? 956 00:45:58,250 --> 00:45:59,708 Well, because we have rules. 957 00:46:00,458 --> 00:46:01,457 So put the camera down. 958 00:46:01,458 --> 00:46:04,166 [Dave] Just here to pay back a loan from QuickDough. 959 00:46:05,000 --> 00:46:07,458 - Well, that's not something we do here. - No? 960 00:46:08,291 --> 00:46:09,915 But you're a loan company. 961 00:46:09,916 --> 00:46:12,957 You loaned a quarter of a billion quid to people in this country. 962 00:46:12,958 --> 00:46:13,915 Yes. 963 00:46:13,916 --> 00:46:15,999 All our business is done online. 964 00:46:16,000 --> 00:46:19,958 [Dave] Oh. See, like a lot of people, I'm not very good with computers, so... 965 00:46:20,541 --> 00:46:22,707 Can you make an exception in this case? 966 00:46:22,708 --> 00:46:24,624 [man laughing] No. 967 00:46:24,625 --> 00:46:28,040 Please, take that back. I can do nothing with it. 968 00:46:28,041 --> 00:46:30,249 Isn't one of your company's famous slogans, 969 00:46:30,250 --> 00:46:33,000 "Helping people to help themselves." Hmm? 970 00:46:33,500 --> 00:46:35,875 So could you help me to pay back my loan? 971 00:46:37,250 --> 00:46:40,708 - I'm gonna need to ask you to leave. - You're kicking us out for trying to pay? 972 00:46:41,333 --> 00:46:42,499 And who might you be? 973 00:46:42,500 --> 00:46:43,875 A journalist. 974 00:46:44,916 --> 00:46:45,916 Uh... 975 00:46:47,750 --> 00:46:49,125 I need security here. 976 00:46:49,958 --> 00:46:50,915 Now. 977 00:46:50,916 --> 00:46:52,374 - [door opens] - [security] Out. Now. 978 00:46:52,375 --> 00:46:53,749 [Dave] You don't have to push us. 979 00:46:53,750 --> 00:46:55,665 - Come on, mate. - Lovely, warm welcome. 980 00:46:55,666 --> 00:46:57,624 - Pleasure doing business with you. - We got it. 981 00:46:57,625 --> 00:46:59,915 - Bye-bye now. Bye-bye. - You don't want the money, then? 982 00:46:59,916 --> 00:47:01,415 - Thank you. - [Jessica] Bye-bye. 983 00:47:01,416 --> 00:47:02,874 - Get your camera up. - Okay. 984 00:47:02,875 --> 00:47:03,999 - Right. - Yep. 985 00:47:04,000 --> 00:47:06,915 This is the UK headquarters of QuickDough. 986 00:47:06,916 --> 00:47:10,207 They make close on a million pounds a day 987 00:47:10,208 --> 00:47:13,666 in interest payments from the poorest and most vulnerable. 988 00:47:14,250 --> 00:47:15,875 They've got flashy TV... 989 00:47:16,375 --> 00:47:17,790 How are you getting on, Ben? 990 00:47:17,791 --> 00:47:19,458 Yeah, good. Nearly there. 991 00:47:20,083 --> 00:47:22,457 - Good. - Can I borrow your pen? 992 00:47:22,458 --> 00:47:24,124 - [Dave] They've got big posters. - Yeah. 993 00:47:24,125 --> 00:47:26,165 [Dave] They've got their names on footballers'... 994 00:47:26,166 --> 00:47:27,415 [Oliver sighs] 995 00:47:27,416 --> 00:47:28,999 [keyboard clacking] 996 00:47:29,000 --> 00:47:30,833 Do you want to have a little look at this? 997 00:47:31,375 --> 00:47:32,332 Yep. 998 00:47:32,333 --> 00:47:33,915 [inspirational music playing] 999 00:47:33,916 --> 00:47:34,958 [Jessica] Okay. 1000 00:47:35,750 --> 00:47:36,957 - [Oliver gasps] - [laughs] 1001 00:47:36,958 --> 00:47:38,250 - Sorry. - Sorry. 1002 00:47:38,750 --> 00:47:39,750 [Oliver sighs] 1003 00:47:40,666 --> 00:47:41,832 Shall I hit play? 1004 00:47:41,833 --> 00:47:43,332 - Yeah. - Yeah. [clears throat] 1005 00:47:43,333 --> 00:47:46,207 [Dave] This is the UK headquarters of QuickDough. 1006 00:47:46,208 --> 00:47:49,540 They make close on a million quid a day 1007 00:47:49,541 --> 00:47:52,915 in interest payments from the poorest and most vulnerable. 1008 00:47:52,916 --> 00:47:56,290 Now, they've got flashy TV ads. They've got big posters. 1009 00:47:56,291 --> 00:47:58,790 They've got their names on footballers' shirts. 1010 00:47:58,791 --> 00:48:02,749 What none of them seem to have is somebody you can talk to. 1011 00:48:02,750 --> 00:48:06,332 Or... Or an actual place where you can go to pay them back. 1012 00:48:06,333 --> 00:48:09,915 More than likely, they're in their big houses in America 1013 00:48:09,916 --> 00:48:11,249 counting your money. 1014 00:48:11,250 --> 00:48:13,665 And our government, they don't seem to be able to stop them. 1015 00:48:13,666 --> 00:48:15,624 They don't seem to be bothered. Well, I am. 1016 00:48:15,625 --> 00:48:17,625 And I... We... 1017 00:48:18,583 --> 00:48:20,541 We are trying to do something about it. 1018 00:48:23,458 --> 00:48:24,832 Powerful stuff, Dave. 1019 00:48:24,833 --> 00:48:27,333 This is legal loan-sharking. 1020 00:48:28,333 --> 00:48:30,332 And you lot, you're not doing anything about it. 1021 00:48:30,333 --> 00:48:31,583 We're trying, Dave. 1022 00:48:32,125 --> 00:48:35,416 There's even a cross-party committee looking into it. [sighs] 1023 00:48:36,041 --> 00:48:39,082 But for the coalition government, this just isn't a priority. 1024 00:48:39,083 --> 00:48:40,291 [scoffs] Right. 1025 00:48:40,916 --> 00:48:42,040 In the meantime, 1026 00:48:42,041 --> 00:48:45,374 the payday lenders are trying to shut down the Bank of Dave. 1027 00:48:45,375 --> 00:48:47,500 And you know what? They might just succeed. 1028 00:48:48,541 --> 00:48:49,790 That would be a tragedy. 1029 00:48:49,791 --> 00:48:51,415 Yeah. You're telling me. 1030 00:48:51,416 --> 00:48:54,374 Mr. Stephens, we... We truly believe 1031 00:48:54,375 --> 00:48:57,124 that the Bank of Dave was set up by these people. 1032 00:48:57,125 --> 00:49:02,165 W... What if Dave is able to prove in court 1033 00:49:02,166 --> 00:49:05,458 that these charges are totally without merit? 1034 00:49:07,083 --> 00:49:09,875 Do that, and I'll file for criminal charges immediately. 1035 00:49:10,958 --> 00:49:14,082 And I'll get the Home Office to file for extradition orders. 1036 00:49:14,083 --> 00:49:15,582 And I'll hold you to it. 1037 00:49:15,583 --> 00:49:17,708 Don't let me down now, Andrew. 1038 00:49:18,208 --> 00:49:19,768 I'm with you all the way on this, Dave. 1039 00:49:21,166 --> 00:49:22,416 [cell phone ringing] 1040 00:49:25,166 --> 00:49:26,416 [Margot breathing deeply] 1041 00:49:27,041 --> 00:49:27,999 Mr. Mancini. 1042 00:49:28,000 --> 00:49:30,874 Have you seen the clip this Fishwick is posting on the Internet? 1043 00:49:30,875 --> 00:49:31,874 [Margot] I have. 1044 00:49:31,875 --> 00:49:33,832 They're getting hundreds of thousands of views. 1045 00:49:33,833 --> 00:49:37,624 Hundreds of thousands of people with nothing better to do and no voice. 1046 00:49:37,625 --> 00:49:39,957 He's telling people to contact their MPs. 1047 00:49:39,958 --> 00:49:43,082 I know how your English politicians are. They got no backbone. 1048 00:49:43,083 --> 00:49:44,874 They're gonna fold like a deck of cards. 1049 00:49:44,875 --> 00:49:47,040 [Margot] This isn't America, Mr. Mancini. 1050 00:49:47,041 --> 00:49:51,249 The way it works over here is that if the politicians choose to engage, 1051 00:49:51,250 --> 00:49:52,665 there will be a public inquiry, 1052 00:49:52,666 --> 00:49:54,332 and that could take years. 1053 00:49:54,333 --> 00:49:55,540 But you will lose 1054 00:49:55,541 --> 00:49:58,290 if the only voices out there are Dave Fishwick 1055 00:49:58,291 --> 00:49:59,625 and his ilk. 1056 00:50:00,125 --> 00:50:02,541 So I've created an alternative narrative. 1057 00:50:03,166 --> 00:50:05,332 - A what? - I'm using the Russians. 1058 00:50:05,333 --> 00:50:06,249 [fire crackling] 1059 00:50:06,250 --> 00:50:07,165 The Russian? 1060 00:50:07,166 --> 00:50:09,249 What the fuck are you talking about? 1061 00:50:09,250 --> 00:50:11,165 I've employed a troll farm 1062 00:50:11,166 --> 00:50:15,082 to send out hundreds of thousands of messages on Twitter and Facebook. 1063 00:50:15,083 --> 00:50:17,749 - [suspenseful music] - [straining] What kind of messages? 1064 00:50:17,750 --> 00:50:19,208 A lot of threats. 1065 00:50:19,708 --> 00:50:21,249 Pretty nasty ones, I'm told. 1066 00:50:21,250 --> 00:50:24,540 But the main thing is that we paint it as a conspiracy. 1067 00:50:24,541 --> 00:50:27,332 "They are trying to undermine industry." 1068 00:50:27,333 --> 00:50:31,040 "They are stopping ordinary people from borrowing money." 1069 00:50:31,041 --> 00:50:33,165 And your politicians are gonna believe this? 1070 00:50:33,166 --> 00:50:34,415 [Margot] Of course not. 1071 00:50:34,416 --> 00:50:37,499 But so long as there are two sides to choose from, 1072 00:50:37,500 --> 00:50:40,249 they will choose the side with the most money. 1073 00:50:40,250 --> 00:50:42,707 Good. Good. 1074 00:50:42,708 --> 00:50:45,458 - Sounds like you got it under control. - I do. 1075 00:50:46,208 --> 00:50:49,165 But it only works if you bring this Fishwick down. 1076 00:50:49,166 --> 00:50:51,040 You must win this case. 1077 00:50:51,041 --> 00:50:52,125 Oh, I will. 1078 00:50:54,583 --> 00:50:55,833 [suspenseful music fades] 1079 00:51:03,833 --> 00:51:05,958 - [phone line ringing] - [clears throat] 1080 00:51:07,000 --> 00:51:08,000 [wincing] 1081 00:51:08,458 --> 00:51:10,415 - [Jessica] Hi. - Hey. [laughs] 1082 00:51:10,416 --> 00:51:12,249 How... How's it going? 1083 00:51:12,250 --> 00:51:14,832 How's the, uh, article coming along? 1084 00:51:14,833 --> 00:51:17,249 Yeah, good. But I'm pretty much done for the day, so. 1085 00:51:17,250 --> 00:51:18,957 Yeah. Yeah, yeah. 1086 00:51:18,958 --> 00:51:20,208 Me too. [chuckles] 1087 00:51:20,833 --> 00:51:21,833 Um... 1088 00:51:23,375 --> 00:51:25,708 Do you fancy a drink? 1089 00:51:27,750 --> 00:51:28,707 Yes. 1090 00:51:28,708 --> 00:51:30,165 I would. 1091 00:51:30,166 --> 00:51:31,790 Great. Great. 1092 00:51:31,791 --> 00:51:34,499 Well, um... I know a... a local place. 1093 00:51:34,500 --> 00:51:37,665 [breathing shakily] It's intimate. Well, not too intimate. 1094 00:51:37,666 --> 00:51:39,582 I'll... I'll, uh, send you the details. 1095 00:51:39,583 --> 00:51:41,374 [Jessica] Okay. See you soon. 1096 00:51:41,375 --> 00:51:43,291 [shuddering, raspy voice] Okay. Bye. 1097 00:51:44,750 --> 00:51:45,791 [sniffs] 1098 00:51:46,291 --> 00:51:48,957 [woman] ...their gates. Jacobsen remained behind... 1099 00:51:48,958 --> 00:51:50,250 [Nicky exhales] 1100 00:51:51,375 --> 00:51:52,583 What's this? 1101 00:51:53,791 --> 00:51:55,040 I'm looking for that film 1102 00:51:55,041 --> 00:51:57,999 that Hugh and Alexandra were going on about. That... 1103 00:51:58,000 --> 00:51:59,875 "You can't handle the truth." 1104 00:52:00,583 --> 00:52:01,708 A Few Good Men. 1105 00:52:02,208 --> 00:52:03,249 Jack Nicholson. 1106 00:52:03,250 --> 00:52:04,332 Tom Cruise. 1107 00:52:04,333 --> 00:52:05,415 Brilliant. 1108 00:52:05,416 --> 00:52:06,915 I'm the only one who hasn't seen it. 1109 00:52:06,916 --> 00:52:09,624 Anyway, I couldn't find it, but I did find this. 1110 00:52:09,625 --> 00:52:10,624 It's brilliant. 1111 00:52:10,625 --> 00:52:13,749 [woman] ...continues to protest his innocence... 1112 00:52:13,750 --> 00:52:16,375 Hang on. You're not thinking what I think you're thinking. 1113 00:52:19,041 --> 00:52:20,041 I wouldn't know. 1114 00:52:21,500 --> 00:52:25,125 Don't tell me you fancy getting up in court and doing a Tom Cruise. 1115 00:52:27,083 --> 00:52:28,208 It was just a thought. 1116 00:52:28,791 --> 00:52:31,541 Oh, Dave, this is serious stuff. You need a proper lawyer. 1117 00:52:32,125 --> 00:52:33,791 Yeah, you're probably right. 1118 00:52:34,583 --> 00:52:36,749 You know, if you got there, you'd be more like Joe Pesci. 1119 00:52:36,750 --> 00:52:37,957 [laughs] 1120 00:52:37,958 --> 00:52:40,416 - Who? - My Cousin Vinny. 1121 00:52:41,416 --> 00:52:42,625 We saw it together. 1122 00:52:43,250 --> 00:52:45,374 [in New York accent] "My biological clock is ticking." 1123 00:52:45,375 --> 00:52:47,957 - "Ticking. Ticking. Ticking." - Oh yeah, yeah. 1124 00:52:47,958 --> 00:52:49,165 [laughs] 1125 00:52:49,166 --> 00:52:51,207 I remember now. She won the Oscar for that. 1126 00:52:51,208 --> 00:52:53,041 Yeah. She deserved it too. 1127 00:52:53,625 --> 00:52:56,457 If I remember right, Joe Pesci, he won the case. 1128 00:52:56,458 --> 00:52:57,374 Oh, Dave. 1129 00:52:57,375 --> 00:52:59,541 Don't let that give you any bloody ideas. 1130 00:53:00,541 --> 00:53:03,707 You've worked too hard on all this to take any risks. 1131 00:53:03,708 --> 00:53:05,791 [somber music playing] 1132 00:53:09,083 --> 00:53:11,291 - So how's it all going? - [music fades] 1133 00:53:11,916 --> 00:53:16,000 Yeah. I mean, I'm really pleased how it's all panning out. 1134 00:53:17,125 --> 00:53:20,625 The stories that the victims told are really strong, powerful. 1135 00:53:21,750 --> 00:53:24,290 [sighs] I'm gonna show my financial editor 1136 00:53:24,291 --> 00:53:27,249 that I know how to do a human interest story just as well. 1137 00:53:27,250 --> 00:53:28,665 It's what she calls cerebral. 1138 00:53:28,666 --> 00:53:30,165 Right. Yeah. 1139 00:53:30,166 --> 00:53:34,375 That all sounds very promising for your career. 1140 00:53:36,083 --> 00:53:37,457 Wait. What's that supposed to mean? 1141 00:53:37,458 --> 00:53:39,457 Uh... [sighs] 1142 00:53:39,458 --> 00:53:44,207 Well, just that for me, this isn't about trading on people's misery. 1143 00:53:44,208 --> 00:53:48,707 If we don't make a change, then that's a blow to the whole community. 1144 00:53:48,708 --> 00:53:51,416 Wait. Hold on. [scoffs] We're on the same side here. 1145 00:53:52,000 --> 00:53:53,083 I care too. 1146 00:53:54,833 --> 00:53:57,000 That was uncalled for. I'm sorry. 1147 00:53:58,166 --> 00:53:59,166 It's okay. 1148 00:53:59,791 --> 00:54:03,415 It's not your fault that I always seem to be consumed 1149 00:54:03,416 --> 00:54:05,416 by other people's problems. 1150 00:54:05,916 --> 00:54:06,916 Well... 1151 00:54:08,250 --> 00:54:10,874 I'm sorry for going on and on about myself. 1152 00:54:10,875 --> 00:54:14,790 Here's the thing. I, uh, I don't have anything else to be obsessed about. 1153 00:54:14,791 --> 00:54:16,708 - [fire crackling] - [indistinct chatter] 1154 00:54:17,291 --> 00:54:19,291 But I am enjoying working with you. 1155 00:54:19,916 --> 00:54:21,207 - Really. - Yeah. 1156 00:54:21,208 --> 00:54:24,750 - We make a pretty good team, right? - Yeah. 1157 00:54:25,458 --> 00:54:26,832 I mean, when we're... 1158 00:54:26,833 --> 00:54:28,457 - When we're working together. - Yeah. 1159 00:54:28,458 --> 00:54:30,625 - Professionally. - Yeah. I know what you meant. 1160 00:54:32,708 --> 00:54:35,332 So, um... Do you like Burnley? 1161 00:54:35,333 --> 00:54:36,249 I do. 1162 00:54:36,250 --> 00:54:39,125 Everybody is, like, so nice. 1163 00:54:40,583 --> 00:54:45,000 This weekend, there is something that you just have to experience. [laughs] 1164 00:54:45,750 --> 00:54:47,124 Okay. Go on. 1165 00:54:47,125 --> 00:54:48,374 Oh, um... Okay. 1166 00:54:48,375 --> 00:54:50,457 - I've got three words for you. - Mm-hmm. 1167 00:54:50,458 --> 00:54:51,791 Burnley 1168 00:54:52,541 --> 00:54:53,916 Football Club. 1169 00:54:55,125 --> 00:54:56,125 Oh. 1170 00:54:57,083 --> 00:54:59,208 [upbeat music playing] 1171 00:55:01,166 --> 00:55:03,000 [shouting indistinctly] 1172 00:55:04,625 --> 00:55:06,957 [all shouting] ...Burnley! Come on, Burnley! 1173 00:55:06,958 --> 00:55:07,874 [Jessica] Hi. 1174 00:55:07,875 --> 00:55:10,207 Come on, Burnley! Come on! 1175 00:55:10,208 --> 00:55:11,958 - Here we are. [chuckles] - Yeah. 1176 00:55:12,458 --> 00:55:13,875 Oh, Jess, here. 1177 00:55:15,250 --> 00:55:16,457 Initiation scarf. 1178 00:55:16,458 --> 00:55:17,540 Friendly service. 1179 00:55:17,541 --> 00:55:19,958 - It's cold out there. So, you know. - Thank you. 1180 00:55:21,208 --> 00:55:23,416 But just so you know, this is not a date. 1181 00:55:24,208 --> 00:55:25,165 [Oliver mutters] 1182 00:55:25,166 --> 00:55:29,166 Yeah, of course. [laughs] It's just footies, so... Yeah, I know that. 1183 00:55:34,208 --> 00:55:36,249 - What's all this in aid of? - Oh, hello. 1184 00:55:36,250 --> 00:55:37,332 All right. 1185 00:55:37,333 --> 00:55:39,165 Uh... This is the courtroom. 1186 00:55:39,166 --> 00:55:40,457 Huh? 1187 00:55:40,458 --> 00:55:43,332 Those are the press, and those are the opposition lawyers. 1188 00:55:43,333 --> 00:55:45,083 And this is the judge. 1189 00:55:45,833 --> 00:55:46,833 Are you ready? 1190 00:55:47,583 --> 00:55:48,624 For what? 1191 00:55:48,625 --> 00:55:50,582 For the rehearsal, for getting ready. Come on. 1192 00:55:50,583 --> 00:55:52,457 - Oh, don't be daft. - We've got to practice. 1193 00:55:52,458 --> 00:55:56,540 You said you would if you'll insist on representing yourself, Dave. Come on. 1194 00:55:56,541 --> 00:55:58,707 Come on, this is serious stuff, okay? 1195 00:55:58,708 --> 00:56:00,416 Are you ready? 1196 00:56:01,000 --> 00:56:03,707 - Does the giraffe have to be the judge? - What's wrong with the giraffe? 1197 00:56:03,708 --> 00:56:07,624 I don't trust giraffes. They're too tall. I want the dachshund. 1198 00:56:07,625 --> 00:56:09,915 You can trust a dachshund. They're down to earth. 1199 00:56:09,916 --> 00:56:12,040 Just use your bloody imagination, Dave. Come on. 1200 00:56:12,041 --> 00:56:13,749 - Are you ready? Is he all right? - Mm-hmm. 1201 00:56:13,750 --> 00:56:14,958 He's a bit stern. 1202 00:56:16,041 --> 00:56:18,707 - I can't believe I'm doing this. - Court is in session. 1203 00:56:18,708 --> 00:56:19,791 [Dave sighs] 1204 00:56:20,750 --> 00:56:22,749 Right. Hello, Your Honor. 1205 00:56:22,750 --> 00:56:24,707 Hands out of your pockets. Stand up straight. 1206 00:56:24,708 --> 00:56:26,500 There you go. Good energy. 1207 00:56:27,541 --> 00:56:30,500 My name's Dave Fishwick, and I sell minibuses. 1208 00:56:31,000 --> 00:56:32,000 [smacking lips] 1209 00:56:32,333 --> 00:56:35,040 Used to be vans. Any color you like, so long as it's white. 1210 00:56:35,041 --> 00:56:37,832 Christ almighty, Dave, everyone in Burnley's heard that 1211 00:56:37,833 --> 00:56:39,124 a million times. 1212 00:56:39,125 --> 00:56:41,833 Something else. Something engaging. 1213 00:56:43,083 --> 00:56:44,499 Straight to the point. 1214 00:56:44,500 --> 00:56:49,249 Two years ago, I founded Britain's first community bank, the Bank of Dave, 1215 00:56:49,250 --> 00:56:52,874 using local money to help local people and families. 1216 00:56:52,875 --> 00:56:55,290 - [loud chattering] - Welcome to Turf Moor! 1217 00:56:55,291 --> 00:56:58,999 [announcer] Welcome to Turf Moor! The home of... 1218 00:56:59,000 --> 00:57:02,665 Right. So basically, all the players, 1219 00:57:02,666 --> 00:57:05,249 they start off there, in the center circle. 1220 00:57:05,250 --> 00:57:07,165 Come on! The players are coming out now! 1221 00:57:07,166 --> 00:57:09,250 [crowd cheering] 1222 00:57:10,375 --> 00:57:11,999 [all chanting] Come on, Burnley! 1223 00:57:12,000 --> 00:57:17,874 Come on, Burnley! Come on, Burnley! 1224 00:57:17,875 --> 00:57:19,374 Keep doing it! 1225 00:57:19,375 --> 00:57:21,791 Come on, Burnley! Come on, Burnley! 1226 00:57:22,416 --> 00:57:23,624 Last time, 1227 00:57:23,625 --> 00:57:26,540 it was the financial institutions that tried to close me down. 1228 00:57:26,541 --> 00:57:30,457 Yeah. They threw everything they could at me, every trick in the book, 1229 00:57:30,458 --> 00:57:33,457 which we exposed in the documentary that was made about my life... 1230 00:57:33,458 --> 00:57:34,540 [Nicky] Hold on a second. 1231 00:57:34,541 --> 00:57:37,915 You can't bring up the television program. Not everybody's seen it, have they? 1232 00:57:37,916 --> 00:57:39,125 [Dave mutters] 1233 00:57:44,750 --> 00:57:46,958 [crowd cheering and exclaiming] 1234 00:57:48,625 --> 00:57:50,040 [Oliver] Oh, what a miss! 1235 00:57:50,041 --> 00:57:53,415 I have no idea what's going on, but I... I'm enjoying it. 1236 00:57:53,416 --> 00:57:57,832 Oh, well, um... Basically, we haven't got our best center-forward here, 1237 00:57:57,833 --> 00:58:01,708 but we just won a corner, and we're doing pretty well on the set pieces, so... 1238 00:58:02,416 --> 00:58:03,458 - Got it. - Yeah. 1239 00:58:04,458 --> 00:58:06,041 Come on, Burnley! 1240 00:58:08,833 --> 00:58:10,041 [all cheering raucously] 1241 00:58:12,083 --> 00:58:13,707 Come on, Burnley! 1242 00:58:13,708 --> 00:58:15,374 - That's a goal? - Yes, we scored! 1243 00:58:15,375 --> 00:58:16,665 [both laugh] 1244 00:58:16,666 --> 00:58:18,000 [Oliver exclaims] 1245 00:58:19,375 --> 00:58:21,415 I went on national television, 1246 00:58:21,416 --> 00:58:25,124 and I told people I wanted to close down the payday lending companies, 1247 00:58:25,125 --> 00:58:27,874 and now the payday lending companies want to close me down. 1248 00:58:27,875 --> 00:58:30,499 And this lot, they're doing their dirty work. 1249 00:58:30,500 --> 00:58:34,499 And they're not going to take that sitting down. So do you have any proof? 1250 00:58:34,500 --> 00:58:38,915 I do, Your Honor. I can prove to the court that this were all a set-up! 1251 00:58:38,916 --> 00:58:40,999 Well, great, then you're going to be fine. 1252 00:58:41,000 --> 00:58:46,124 Just, you know, you're not Paul Newman, and you're not Tom Cruise. 1253 00:58:46,125 --> 00:58:48,332 No, I'm Joe Pesci. 1254 00:58:48,333 --> 00:58:51,708 No, Dave, you're not him, and you're not a lawyer. 1255 00:58:54,666 --> 00:58:55,665 [Nicky sighs softly] 1256 00:58:55,666 --> 00:59:00,083 You're an ordinary bloke standing up against corruption, 1257 00:59:00,833 --> 00:59:03,000 standing up for ordinary people, 1258 00:59:03,625 --> 00:59:06,583 who don't have lawyers and who don't have a voice. 1259 00:59:07,291 --> 00:59:08,416 [Dave sighs] 1260 00:59:09,458 --> 00:59:10,875 You're gonna to be great. 1261 00:59:12,375 --> 00:59:14,000 [birds chirping] 1262 00:59:15,375 --> 00:59:16,708 What are you looking at? 1263 00:59:17,916 --> 00:59:21,499 We've linked the payments to Mancini, but it's not enough. 1264 00:59:21,500 --> 00:59:25,165 We have to prove that we were set up beyond reasonable doubt. 1265 00:59:25,166 --> 00:59:29,957 You know, what I don't understand is, how they know this is dirty money. 1266 00:59:29,958 --> 00:59:33,207 At least one of the shell companies has been indicted in the US 1267 00:59:33,208 --> 00:59:34,790 on a RICO charge. 1268 00:59:34,791 --> 00:59:35,707 A what? 1269 00:59:35,708 --> 00:59:36,708 Racketeering. 1270 00:59:37,291 --> 00:59:40,040 - Whe... When was this? - Just before the deposit was made. 1271 00:59:40,041 --> 00:59:41,332 We should've picked up on it, 1272 00:59:41,333 --> 00:59:43,999 but our searches don't extend as far as the US... 1273 00:59:44,000 --> 00:59:45,208 [cell phone ringing] 1274 00:59:46,166 --> 00:59:47,916 I've got to take this. Excuse me. 1275 00:59:48,958 --> 00:59:50,958 Well, we've just got to keep on digging. 1276 00:59:51,541 --> 00:59:53,582 Pray that we come up with something definitive. 1277 00:59:53,583 --> 00:59:55,291 - [door closes] - [intercom rings] 1278 00:59:56,666 --> 00:59:58,624 - Yes? - [Mary] Call for you, Dave. 1279 00:59:58,625 --> 01:00:00,040 Sir Charles Denbigh. 1280 01:00:00,041 --> 01:00:01,916 [intriguing music playing] 1281 01:00:05,291 --> 01:00:06,833 I'll take it in my office. 1282 01:00:07,750 --> 01:00:09,832 - [woman] How's the article coming along? - [music ends] 1283 01:00:09,833 --> 01:00:12,207 [Jessica] Yeah, I'm almost done. 1284 01:00:12,208 --> 01:00:13,499 Good. 1285 01:00:13,500 --> 01:00:15,207 Because I have some good news. 1286 01:00:15,208 --> 01:00:19,541 Four years ago, our editor was given 100 altcoins. 1287 01:00:20,125 --> 01:00:23,208 Now, at the time, they were worth a cent each. 1288 01:00:23,833 --> 01:00:25,707 Yesterday, he considered selling them 1289 01:00:25,708 --> 01:00:29,124 and discovered they were worth over half a million dollars. 1290 01:00:29,125 --> 01:00:30,624 I bet that made him happy. 1291 01:00:30,625 --> 01:00:31,707 [woman] He was furious. 1292 01:00:31,708 --> 01:00:33,665 He called me into his office and demanded to know 1293 01:00:33,666 --> 01:00:37,249 how we'd missed the biggest story in the history of capitalism. 1294 01:00:37,250 --> 01:00:39,791 So I gave him your proposal. 1295 01:00:40,416 --> 01:00:41,249 And? 1296 01:00:41,250 --> 01:00:42,790 He loved it. 1297 01:00:42,791 --> 01:00:46,250 He wants you back here on a six-month contract with a pay bump. 1298 01:00:47,583 --> 01:00:48,583 [exhales sharply] 1299 01:00:50,875 --> 01:00:52,250 But I'm not done here. 1300 01:00:52,833 --> 01:00:54,291 Well, you said you were. 1301 01:00:54,791 --> 01:00:56,957 Did I mention he wants a series? 1302 01:00:56,958 --> 01:01:00,250 And he wants to put it in the news section. 1303 01:01:00,833 --> 01:01:03,083 You're going into the big time. 1304 01:01:04,625 --> 01:01:05,665 [exhales] 1305 01:01:05,666 --> 01:01:07,165 [intriguing playing] 1306 01:01:07,166 --> 01:01:09,250 - [indistinct chatter] - [phones ringing] 1307 01:01:10,500 --> 01:01:11,749 [phone clattering] 1308 01:01:11,750 --> 01:01:12,791 Hello. 1309 01:01:13,666 --> 01:01:14,875 [Denbigh] Mr. Fishwick? 1310 01:01:15,375 --> 01:01:17,290 Anyone and everyone can call me Dave. 1311 01:01:17,291 --> 01:01:19,249 What can I do for you, Sir Charles? 1312 01:01:19,250 --> 01:01:20,957 It's the other way around. 1313 01:01:20,958 --> 01:01:24,332 I've been made aware of your current legal difficulties, 1314 01:01:24,333 --> 01:01:27,540 and I may be able to be of some assistance. 1315 01:01:27,541 --> 01:01:28,791 Can we meet? 1316 01:01:29,541 --> 01:01:32,958 I'm on my way to a baby shower in Skipton, but I could be with you by six. 1317 01:01:34,125 --> 01:01:35,415 I'll see you at the bank. 1318 01:01:35,416 --> 01:01:36,499 [Denbigh] Good. 1319 01:01:36,500 --> 01:01:37,541 [receiver clicking] 1320 01:01:38,583 --> 01:01:39,833 [intriguing music fades] 1321 01:01:41,250 --> 01:01:42,958 - [Oliver] Hey. - Hey. 1322 01:01:46,166 --> 01:01:47,166 You okay? 1323 01:01:48,166 --> 01:01:49,500 I have to go to New York. 1324 01:01:51,750 --> 01:01:53,540 Oh, okay. Um... When? 1325 01:01:53,541 --> 01:01:54,957 Tonight. 1326 01:01:54,958 --> 01:01:57,707 The paper finally offered me a long-term contract. 1327 01:01:57,708 --> 01:01:58,665 Oh. 1328 01:01:58,666 --> 01:02:00,249 - Uh... - [wistful music playing] 1329 01:02:00,250 --> 01:02:02,957 - Uh... Uh, congratulations. - Thanks. 1330 01:02:02,958 --> 01:02:04,416 Uh... But, um... 1331 01:02:05,458 --> 01:02:06,833 We're not done here. 1332 01:02:08,208 --> 01:02:09,082 I know. 1333 01:02:09,083 --> 01:02:11,040 But... I'm sorry. 1334 01:02:11,041 --> 01:02:12,832 It's... You know that I can't... 1335 01:02:12,833 --> 01:02:14,915 I mean, this is an opportunity I can't turn down. 1336 01:02:14,916 --> 01:02:19,000 Wait... Jess, we're... We're trying to make a difference here. 1337 01:02:19,791 --> 01:02:21,582 Do you know how many people are gonna suffer 1338 01:02:21,583 --> 01:02:24,124 if the Bank of Dave closes down? 1339 01:02:24,125 --> 01:02:26,999 And right now, that looks like the most likely outcome, 1340 01:02:27,000 --> 01:02:30,832 unless we can find something that can help Dave at the trial. 1341 01:02:30,833 --> 01:02:33,915 - Yeah. I understand. - No. I... I don't think you do. 1342 01:02:33,916 --> 01:02:36,124 I do understand. But I'm a writer. 1343 01:02:36,125 --> 01:02:39,416 You're the activist. You are so much better at this than me. 1344 01:02:40,708 --> 01:02:41,833 Jess, please. I... 1345 01:02:42,833 --> 01:02:44,708 We're a team here. We... 1346 01:02:47,166 --> 01:02:49,000 I... I need you here. 1347 01:02:50,375 --> 01:02:51,375 Oliver. 1348 01:02:53,000 --> 01:02:55,000 [wistful music continues] 1349 01:02:56,750 --> 01:02:57,750 Okay. 1350 01:02:59,291 --> 01:03:01,124 Fine. Um... Of course. 1351 01:03:01,125 --> 01:03:03,707 This is all about you. 1352 01:03:03,708 --> 01:03:05,333 - Not at all. - Whatever. 1353 01:03:07,416 --> 01:03:09,333 Clearly, I was wrong about you. 1354 01:03:13,416 --> 01:03:14,915 - Have a nice flight. - Oliver. 1355 01:03:14,916 --> 01:03:16,665 [footsteps receding] 1356 01:03:16,666 --> 01:03:17,916 [wistful music fades] 1357 01:03:22,708 --> 01:03:24,666 [indistinct chatter] 1358 01:03:30,833 --> 01:03:33,832 And when the balloon popped, the powder was pink and blue. 1359 01:03:33,833 --> 01:03:35,332 - [Mary] Oh! - [Denbigh] Twins. 1360 01:03:35,333 --> 01:03:36,665 David. 1361 01:03:36,666 --> 01:03:37,750 [Dave] Dave. 1362 01:03:38,250 --> 01:03:39,249 Dave. 1363 01:03:39,250 --> 01:03:40,375 Charlie. 1364 01:03:41,250 --> 01:03:42,416 Take a load off. 1365 01:03:43,625 --> 01:03:44,749 So this is it. 1366 01:03:44,750 --> 01:03:47,207 The famous Bank of Dave. [chuckles softly] 1367 01:03:47,208 --> 01:03:51,125 I see you're keeping your overheads down. That's smart. [chuckles] 1368 01:03:52,250 --> 01:03:56,624 Firstly, I must apologize for the underhand tactics I employed 1369 01:03:56,625 --> 01:03:58,791 when I tried to have you shut down. 1370 01:03:59,375 --> 01:04:00,540 Still won. 1371 01:04:00,541 --> 01:04:01,541 You did. 1372 01:04:02,125 --> 01:04:05,582 I ended up with egg on my face, and you ended up the hero of the hour. 1373 01:04:05,583 --> 01:04:09,624 Not to mention the fact that you sang on stage with Def Leppard. 1374 01:04:09,625 --> 01:04:11,541 [laughs] I was very envious. 1375 01:04:12,083 --> 01:04:15,415 Back in my college days, I have to admit, I was a bit of a fan. 1376 01:04:15,416 --> 01:04:17,541 You said you wanted to help. Why? 1377 01:04:18,625 --> 01:04:21,540 You may have noticed that the so-called high street banks 1378 01:04:21,541 --> 01:04:24,374 have been closing down high street branches. 1379 01:04:24,375 --> 01:04:27,374 Rather, a lot of them. Because they're just not profitable. 1380 01:04:27,375 --> 01:04:30,832 We still pretend to look after our retail customers. 1381 01:04:30,833 --> 01:04:35,708 Even though we can't give them the personal attention they require. 1382 01:04:37,625 --> 01:04:39,458 But the Bank of Dave can. 1383 01:04:42,833 --> 01:04:46,833 I want to see more Banks of Dave across the country. 1384 01:04:47,500 --> 01:04:49,125 I'd support them any way I can. 1385 01:04:49,750 --> 01:04:51,458 On the appropriate terms, of course. 1386 01:04:52,375 --> 01:04:53,625 Well, it's good to know. 1387 01:04:54,208 --> 01:04:56,790 But right now, the original Bank of Dave's in serious trouble. 1388 01:04:56,791 --> 01:04:59,124 Yes. I've been following the case. 1389 01:04:59,125 --> 01:05:01,499 I've also been watching your internet clips. 1390 01:05:01,500 --> 01:05:04,165 You're absolutely right about these payday lenders. 1391 01:05:04,166 --> 01:05:07,124 They are abusing their customers and the system. 1392 01:05:07,125 --> 01:05:08,625 It has to stop. 1393 01:05:09,750 --> 01:05:13,249 I want to see them shut down as soon as possible. 1394 01:05:13,250 --> 01:05:16,290 Right. Well... Looks like we finally agree on something. 1395 01:05:16,291 --> 01:05:19,707 Like it or not, Dave, we're both in the banking business. 1396 01:05:19,708 --> 01:05:22,333 And they're making us look bad, which is hard. 1397 01:05:23,125 --> 01:05:24,582 Especially given that, um... 1398 01:05:24,583 --> 01:05:26,165 Everyone hates bankers. 1399 01:05:26,166 --> 01:05:27,166 Exactly. 1400 01:05:29,416 --> 01:05:31,749 We've been lobbying our friends in Parliament, 1401 01:05:31,750 --> 01:05:33,540 but they're always of the opinion 1402 01:05:33,541 --> 01:05:36,290 that they have more important issues to deal with. 1403 01:05:36,291 --> 01:05:37,416 However, 1404 01:05:38,875 --> 01:05:43,208 if we could expose these companies in a public arena, 1405 01:05:44,375 --> 01:05:45,708 say, a court of law, 1406 01:05:46,541 --> 01:05:49,041 then the politicians would have to take notice. 1407 01:05:51,750 --> 01:05:52,750 Look... 1408 01:05:53,708 --> 01:05:56,833 [breathing deeply] I know I was set up. I just... 1409 01:05:57,958 --> 01:05:59,625 [sighs] ...I can't prove it. 1410 01:06:00,666 --> 01:06:02,166 That's where I can help. 1411 01:06:04,250 --> 01:06:05,666 Give him a call. 1412 01:06:06,625 --> 01:06:08,500 He worked for QuickDough. 1413 01:06:09,291 --> 01:06:10,291 For them? 1414 01:06:10,750 --> 01:06:13,749 - Why is he gonna help me go against them? - He's a lawyer, Dave. 1415 01:06:13,750 --> 01:06:15,541 He works for whoever's paying him. 1416 01:06:17,625 --> 01:06:21,125 And, at the moment, that's me. 1417 01:06:22,916 --> 01:06:26,250 If you need any corroborating evidence, give my office a call. 1418 01:06:28,041 --> 01:06:29,332 Good luck in court. 1419 01:06:29,333 --> 01:06:30,875 [emotional music playing] 1420 01:06:38,750 --> 01:06:39,832 [indistinct chatter] 1421 01:06:39,833 --> 01:06:42,040 - [Dave] The usual place, Ed. - [woman] Hiya. 1422 01:06:42,041 --> 01:06:43,375 - [Oliver] Hey, Dave. - Hey. 1423 01:06:44,750 --> 01:06:46,040 Everything good? 1424 01:06:46,041 --> 01:06:47,041 Yeah. 1425 01:06:47,625 --> 01:06:49,707 You know, everything's going pretty well. 1426 01:06:49,708 --> 01:06:51,249 How are the clips doing? 1427 01:06:51,250 --> 01:06:55,082 Well, we've got over two million views now. 1428 01:06:55,083 --> 01:06:57,415 - Two million? Are you kidding me? - Yeah. [chuckles] 1429 01:06:57,416 --> 01:07:00,790 Another 998 million, and you'll be bigger than Gangnam Style. 1430 01:07:00,791 --> 01:07:03,207 [laughing hysterically] Blooming hell! 1431 01:07:03,208 --> 01:07:04,249 Where's Jessica? 1432 01:07:04,250 --> 01:07:05,707 [wistful music playing] 1433 01:07:05,708 --> 01:07:10,624 Oh, she, uh, had to go back to New York. Something urgent came up with work, so... 1434 01:07:10,625 --> 01:07:11,625 Oh. 1435 01:07:13,541 --> 01:07:14,750 Well, that's a shame. 1436 01:07:16,500 --> 01:07:17,500 You, um... 1437 01:07:19,541 --> 01:07:21,124 - You all right with that? - Yeah. 1438 01:07:21,125 --> 01:07:22,707 - Yeah? Good. - Yeah. 1439 01:07:22,708 --> 01:07:24,125 [indistinct chatter] 1440 01:07:27,041 --> 01:07:30,040 So... How are you feeling about tomorrow? 1441 01:07:30,041 --> 01:07:31,250 You're confident? 1442 01:07:32,875 --> 01:07:36,416 Well, some people might say I'm an idiot for representing myself in court. 1443 01:07:37,041 --> 01:07:38,875 You've got a lot of support on this, Dave. 1444 01:07:39,750 --> 01:07:42,665 People are starting to take notice of what you're doing, 1445 01:07:42,666 --> 01:07:44,375 what we're doing here. 1446 01:07:45,083 --> 01:07:47,333 You've got a whole community backing you. 1447 01:07:47,833 --> 01:07:52,333 And they're not just standing up for you. They're standing up for themselves. 1448 01:07:57,875 --> 01:08:00,415 [reporter] It's a big day at Burnley for Dave Fishwick, 1449 01:08:00,416 --> 01:08:02,874 who we had in the studio just a few months ago. 1450 01:08:02,875 --> 01:08:06,582 He's in court fighting to keep the Bank of Dave open for business, 1451 01:08:06,583 --> 01:08:09,290 following accusations of money laundering. 1452 01:08:09,291 --> 01:08:12,749 He believes that he was set up by the same payday loan companies 1453 01:08:12,750 --> 01:08:14,499 he's trying to close down. 1454 01:08:14,500 --> 01:08:15,749 Now, according to Dave, 1455 01:08:15,750 --> 01:08:18,582 they're loan sharks and should be held to account. 1456 01:08:18,583 --> 01:08:22,415 Now, he's got loads of local support, and that includes me. 1457 01:08:22,416 --> 01:08:25,500 [crowd cheering and applauding] 1458 01:08:32,166 --> 01:08:33,416 {\an8}[indistinct shouting] 1459 01:08:35,791 --> 01:08:37,791 [crowd clamoring] 1460 01:08:38,541 --> 01:08:40,540 Thank you so much for coming. 1461 01:08:40,541 --> 01:08:41,916 [man] All right, Dave! 1462 01:08:42,541 --> 01:08:43,666 - Hey! - Hey! 1463 01:08:46,083 --> 01:08:47,916 [Dave] I just wanna say thank you. 1464 01:08:48,458 --> 01:08:51,040 Thank you for coming to support the Bank of Dave. 1465 01:08:51,041 --> 01:08:52,790 [camera shutters click] 1466 01:08:52,791 --> 01:08:57,374 Look, this lot, the payday loan companies, they want to close us down. 1467 01:08:57,375 --> 01:08:58,375 Why? 1468 01:08:58,916 --> 01:09:01,957 - Because we're doing things differently. - [motivational music playing] 1469 01:09:01,958 --> 01:09:02,874 [all] Yes! 1470 01:09:02,875 --> 01:09:05,790 - Because we're doing things better. - [crowd] Yes! 1471 01:09:05,791 --> 01:09:10,040 Because we're putting people and communities before profits. 1472 01:09:10,041 --> 01:09:12,166 - Yes! That's right! - And they don't like that. 1473 01:09:13,416 --> 01:09:16,165 Look, I know times are hard. 1474 01:09:16,166 --> 01:09:17,332 And... 1475 01:09:17,333 --> 01:09:20,166 Well, they're probably not gonna get better any time soon. 1476 01:09:21,083 --> 01:09:23,291 But that means that now, more than ever, 1477 01:09:23,958 --> 01:09:25,332 we've got to pull together... 1478 01:09:25,333 --> 01:09:26,415 [all] Yes! 1479 01:09:26,416 --> 01:09:28,457 - To look after each other... - Yes! 1480 01:09:28,458 --> 01:09:30,832 - To have each other's backs. - [man] That's right. 1481 01:09:30,833 --> 01:09:33,249 Because if we don't, they sure as hell won't. 1482 01:09:33,250 --> 01:09:34,374 - Yes! - Yes! 1483 01:09:34,375 --> 01:09:37,124 [Dave] So wish me luck in there. 1484 01:09:37,125 --> 01:09:38,665 Let's go give them hell! 1485 01:09:38,666 --> 01:09:40,415 [crowd cheering] 1486 01:09:40,416 --> 01:09:42,500 [rousing music playing] 1487 01:09:43,666 --> 01:09:45,666 [indistinct chatter] 1488 01:09:50,791 --> 01:09:52,000 Psst! Hey. 1489 01:09:57,375 --> 01:09:58,375 [music fades] 1490 01:09:59,791 --> 01:10:01,791 - [gavel banging] - [coughing] 1491 01:10:04,791 --> 01:10:07,624 Dave Fishwick has styled himself 1492 01:10:07,625 --> 01:10:11,250 as a kind of latter-day Robin Hood, 1493 01:10:11,750 --> 01:10:15,874 a self-made millionaire who is a savior of the community 1494 01:10:15,875 --> 01:10:19,374 and a friend to the ordinary working man. 1495 01:10:19,375 --> 01:10:22,249 At least, that's how he comes across on television. 1496 01:10:22,250 --> 01:10:26,540 We all know that the media like to embellish and exaggerate 1497 01:10:26,541 --> 01:10:28,499 in order to entertain. 1498 01:10:28,500 --> 01:10:32,040 But here, here in this court of law, 1499 01:10:32,041 --> 01:10:35,790 we are not afforded poetic license. 1500 01:10:35,791 --> 01:10:39,207 Here, we require the truth, the whole truth, 1501 01:10:39,208 --> 01:10:40,833 and nothing but the truth. 1502 01:10:41,333 --> 01:10:43,333 She thinks she's Tom Bloody Cruise. 1503 01:10:43,875 --> 01:10:45,332 And the truth is, 1504 01:10:45,333 --> 01:10:49,500 Mr. Fishwick financed his business with dirty money. 1505 01:10:50,791 --> 01:10:54,499 Money that came from the crimes and illegal activities 1506 01:10:54,500 --> 01:10:59,291 that are destroying the very communities he claims to support. 1507 01:11:01,125 --> 01:11:06,082 Now, every bank, even the Bank of Dave, 1508 01:11:06,083 --> 01:11:11,290 is legally required to determine the origin of all deposits. 1509 01:11:11,291 --> 01:11:14,791 Those are the rules. And they apply to everyone equally. 1510 01:11:15,375 --> 01:11:20,041 Today, we are asking this court to enforce those rules. 1511 01:11:23,041 --> 01:11:24,166 Mr. Fishwick. 1512 01:11:25,541 --> 01:11:26,999 Thank you, Your Honor. 1513 01:11:27,000 --> 01:11:28,125 I'll be brief. 1514 01:11:29,833 --> 01:11:31,083 This were a set-up. 1515 01:11:31,916 --> 01:11:34,540 They represent a bunch of criminals. 1516 01:11:34,541 --> 01:11:37,332 They're the ones who should cease and desist. 1517 01:11:37,333 --> 01:11:40,290 No, in fact, they should all be put where they belong. 1518 01:11:40,291 --> 01:11:41,207 Behind bars. 1519 01:11:41,208 --> 01:11:42,625 [crowd murmurs] 1520 01:11:44,125 --> 01:11:48,707 Mr. Fishwick, you're opening yourself up to a charge of slander. 1521 01:11:48,708 --> 01:11:50,749 Not if I'm telling the truth, Your Honor. 1522 01:11:50,750 --> 01:11:53,541 The truth, the whole truth, and nothing but the truth. 1523 01:11:54,583 --> 01:11:56,333 If you can handle the truth. 1524 01:11:57,208 --> 01:11:59,040 You'd better have proof of these allegations. 1525 01:11:59,041 --> 01:12:00,083 Oh, I do. 1526 01:12:00,791 --> 01:12:02,790 I'd like to call my first witness, 1527 01:12:02,791 --> 01:12:04,540 Mr. Miles Thornton, 1528 01:12:04,541 --> 01:12:08,207 from the London law firm Thornton, Arbuthnot, Welsh. 1529 01:12:08,208 --> 01:12:09,582 [crowd murmurs] 1530 01:12:09,583 --> 01:12:13,082 From January 2011 to October 2012, 1531 01:12:13,083 --> 01:12:16,375 I was engaged by Coleridge Financial Services, 1532 01:12:16,875 --> 01:12:20,707 a corporation in the United States that own QuickDough here, among others. 1533 01:12:20,708 --> 01:12:23,332 And what did you do for this US corporation? 1534 01:12:23,333 --> 01:12:27,707 I set up a string of shell companies in different tax jurisdictions. 1535 01:12:27,708 --> 01:12:30,915 I also set up their bank accounts in different places, 1536 01:12:30,916 --> 01:12:34,083 including some of the UK's best-known high street banks. 1537 01:12:34,958 --> 01:12:37,582 And they didn't discover that the money was dirty? 1538 01:12:37,583 --> 01:12:41,124 At that time, none of the companies were under indictment. 1539 01:12:41,125 --> 01:12:42,790 But now they are, 1540 01:12:42,791 --> 01:12:47,166 which means that we have access to their financial records. 1541 01:12:48,583 --> 01:12:50,624 Now, I know this is a lot to go through, 1542 01:12:50,625 --> 01:12:53,958 but one entry might be of particular interest. 1543 01:12:54,500 --> 01:12:57,583 It would appear that two years ago, 1544 01:12:58,250 --> 01:13:02,000 a retainer for legal services was paid by one of these corporations 1545 01:13:02,791 --> 01:13:04,208 to your law firm. 1546 01:13:04,958 --> 01:13:07,416 Your Honor, all this is new to us. 1547 01:13:08,125 --> 01:13:10,165 Can we ask for an adjournment? 1548 01:13:10,166 --> 01:13:12,916 You can take half an hour, but when you come back, 1549 01:13:13,416 --> 01:13:15,083 you've got some explaining to do. 1550 01:13:16,333 --> 01:13:17,708 [tense music playing] 1551 01:13:18,916 --> 01:13:20,415 - [door closes] - [Dave clapping] 1552 01:13:20,416 --> 01:13:21,958 [footsteps receding] 1553 01:13:34,875 --> 01:13:36,083 [music fades] 1554 01:13:36,666 --> 01:13:38,166 I don't think we have a choice. 1555 01:13:42,666 --> 01:13:46,708 Your Honor, in light of this new evidence, 1556 01:13:47,291 --> 01:13:49,290 we move to withdraw the case. 1557 01:13:49,291 --> 01:13:51,375 [crowd gasps] 1558 01:13:53,500 --> 01:13:54,708 Silence! 1559 01:13:56,333 --> 01:13:58,583 I'm afraid it's not as simple as that. 1560 01:13:59,166 --> 01:14:03,416 All of this exonerates Mr. Fishwick and the Bank of Dave, 1561 01:14:03,916 --> 01:14:06,833 but it's also evidence of a criminal conspiracy. 1562 01:14:07,500 --> 01:14:10,082 I'll be passing all of this to the Crown Prosecution Service 1563 01:14:10,083 --> 01:14:13,583 for them to file charges against your clients 1564 01:14:14,250 --> 01:14:16,541 and also against you. 1565 01:14:17,583 --> 01:14:18,415 [gavel bangs] 1566 01:14:18,416 --> 01:14:20,165 Case dismissed. 1567 01:14:20,166 --> 01:14:22,541 - [triumphant music playing] - [crowd cheering] 1568 01:14:23,500 --> 01:14:24,541 Gorgeous! 1569 01:14:28,625 --> 01:14:30,625 [all exclaiming] 1570 01:14:33,041 --> 01:14:36,375 - [cell phone vibrating] - [music fades] 1571 01:14:37,041 --> 01:14:37,999 Andrew. 1572 01:14:38,000 --> 01:14:39,540 [Andrew] Congratulations, Dave. 1573 01:14:39,541 --> 01:14:41,457 You wiped the floor with them buggers. 1574 01:14:41,458 --> 01:14:43,624 This is just the half of it, mate. 1575 01:14:43,625 --> 01:14:45,415 Now we've got to finish the job. 1576 01:14:45,416 --> 01:14:48,207 If we don't go after the top dogs, they'll just start up again. 1577 01:14:48,208 --> 01:14:49,583 Yeah, I understand. 1578 01:14:50,333 --> 01:14:53,499 Look, I'm going to push the Home Office, try and get him extradited. 1579 01:14:53,500 --> 01:14:56,499 If you can do that, mate, I might even vote for you myself. 1580 01:14:56,500 --> 01:14:58,540 I'll speak soon. Take care. 1581 01:14:58,541 --> 01:14:59,499 [cheering] 1582 01:14:59,500 --> 01:15:01,290 [all cheering] 1583 01:15:01,291 --> 01:15:02,541 [Dave] Whoo-hoo! 1584 01:15:05,333 --> 01:15:06,458 Thank you, Dave. 1585 01:15:07,666 --> 01:15:09,250 [man] You did a great job! 1586 01:15:11,166 --> 01:15:12,708 [applause fades] 1587 01:15:13,291 --> 01:15:14,666 [cell phone ringing] 1588 01:15:16,458 --> 01:15:20,165 - Hey! How... How are you? - Yeah, yeah. I... I... I'm okay. 1589 01:15:20,166 --> 01:15:23,375 I just... I just wanted to say, 1590 01:15:24,041 --> 01:15:26,583 I'm sorry for not returning any of your calls. 1591 01:15:27,583 --> 01:15:28,583 It's, um... 1592 01:15:29,083 --> 01:15:31,500 It's been sort of crazy here. 1593 01:15:32,375 --> 01:15:33,375 But, um... 1594 01:15:34,375 --> 01:15:36,083 The good news is... 1595 01:15:37,125 --> 01:15:38,833 The case has just been thrown out. 1596 01:15:39,583 --> 01:15:41,415 - They've won. - What? 1597 01:15:41,416 --> 01:15:43,500 [laughs hysterically] 1598 01:15:44,333 --> 01:15:46,041 [softly] Sorry. Sorry. 1599 01:15:46,916 --> 01:15:49,290 Wow. Oh my gosh. I wish I was there. 1600 01:15:49,291 --> 01:15:50,291 Yeah. 1601 01:15:51,375 --> 01:15:53,374 Yeah, I... I wish you were here too. 1602 01:15:53,375 --> 01:15:55,458 [melancholy music playing] 1603 01:15:57,208 --> 01:15:59,375 I'll call you when I... when I get home. 1604 01:16:00,375 --> 01:16:02,333 - Oh, and, Jess, um... - Mm-hmm? 1605 01:16:03,791 --> 01:16:05,708 I'm really glad you came to Burnley. 1606 01:16:07,750 --> 01:16:09,790 - [softly] Me too. - [melancholy music fades] 1607 01:16:09,791 --> 01:16:11,332 - [woman] Congratulations. - Thank you. 1608 01:16:11,333 --> 01:16:12,582 - Thanks so much. - Thanks. 1609 01:16:12,583 --> 01:16:14,707 I don't believe it. They've heard about it in America. 1610 01:16:14,708 --> 01:16:17,124 - Who's telling you that? - Rick Purdy. 1611 01:16:17,125 --> 01:16:19,249 - No! - Yeah, he's with Def Leppard. [laughs] 1612 01:16:19,250 --> 01:16:21,791 - They're on tour in the States. [sniffs] - Oh! 1613 01:16:22,500 --> 01:16:24,875 I'm quite looking forward to a trip to America. 1614 01:16:26,250 --> 01:16:27,582 - You what? - Yeah. 1615 01:16:27,583 --> 01:16:29,415 Well, if Andrew comes through for us, 1616 01:16:29,416 --> 01:16:31,290 do you really want some American lawyer 1617 01:16:31,291 --> 01:16:33,665 to serve Mancini with an extradition order? 1618 01:16:33,666 --> 01:16:35,166 [mysterious music playing] 1619 01:16:35,833 --> 01:16:36,916 Come on. 1620 01:16:42,875 --> 01:16:43,999 [Carlo] No appeal? 1621 01:16:44,000 --> 01:16:46,749 What kind of third-world legal system do you have? 1622 01:16:46,750 --> 01:16:48,999 What happened to your Russian-led campaign? 1623 01:16:49,000 --> 01:16:50,957 Look, QuickDough is toxic. 1624 01:16:50,958 --> 01:16:52,874 Then we rebrand and relaunch. 1625 01:16:52,875 --> 01:16:54,707 You just need to keep your name out of it. 1626 01:16:54,708 --> 01:16:55,750 Yeah, I got it. 1627 01:16:56,291 --> 01:16:58,665 And remember, you owe me half a mil. 1628 01:16:58,666 --> 01:17:00,750 Ugh. Twat. 1629 01:17:01,583 --> 01:17:05,125 - [cars honking] - [sirens wailing in the distance] 1630 01:17:06,666 --> 01:17:08,541 [cell phone ringing] 1631 01:17:09,750 --> 01:17:11,749 Hey. What's going on? 1632 01:17:11,750 --> 01:17:14,915 Well, we're up to almost five million views of the clips, 1633 01:17:14,916 --> 01:17:16,374 which is, uh, promising. 1634 01:17:16,375 --> 01:17:17,290 Well... 1635 01:17:17,291 --> 01:17:20,624 But there's also all these wild conspiracy theories 1636 01:17:20,625 --> 01:17:22,915 circulating on the net, and, uh, 1637 01:17:22,916 --> 01:17:27,083 most days, uh, Dave and I get death threats on social media. 1638 01:17:27,625 --> 01:17:29,082 Okay, you need to be careful. 1639 01:17:29,083 --> 01:17:32,332 It's just paid trolls. They're flooding the media with nonsense. 1640 01:17:32,333 --> 01:17:33,958 None of it makes any sense. 1641 01:17:34,500 --> 01:17:37,499 But Dave thinks these theories 1642 01:17:37,500 --> 01:17:41,040 might turn into an excuse for the politicians to drag their feet. 1643 01:17:41,041 --> 01:17:43,124 Well, that could be really bad. 1644 01:17:43,125 --> 01:17:45,833 Also, I was asking how you were doing, but go on. 1645 01:17:46,416 --> 01:17:48,915 Look, Dave wants to force their hand 1646 01:17:48,916 --> 01:17:51,082 by bringing Mancini to book, 1647 01:17:51,083 --> 01:17:53,958 and he wants to serve the extradition order himself. 1648 01:17:55,250 --> 01:17:56,375 Dave's coming here? 1649 01:17:57,000 --> 01:17:58,332 Yeah, he is. 1650 01:17:58,333 --> 01:18:00,750 And, uh, so is Nicky, and... 1651 01:18:01,833 --> 01:18:03,207 So am I. 1652 01:18:03,208 --> 01:18:05,374 No. That's exciting. 1653 01:18:05,375 --> 01:18:07,290 Yeah, I know. [chuckles] 1654 01:18:07,291 --> 01:18:08,249 Sorry. 1655 01:18:08,250 --> 01:18:12,040 Uh, Dave wants you to find out where Mancini's gonna be. 1656 01:18:12,041 --> 01:18:14,832 [Jessica] I have a friend that works at the Jersey Police Department. 1657 01:18:14,833 --> 01:18:16,624 They've been after Mancini for years. 1658 01:18:16,625 --> 01:18:18,707 Great. Great. We're flying in next Friday. 1659 01:18:18,708 --> 01:18:20,040 Okay. [laughs] 1660 01:18:20,041 --> 01:18:22,832 Right, well, uh... Do you need me to pick you up from the airport, or...? 1661 01:18:22,833 --> 01:18:26,291 No, it's too much hassle. We'll grab a cab, and we'll come to you. 1662 01:18:26,833 --> 01:18:27,833 Okay. [laughs] 1663 01:18:28,625 --> 01:18:31,457 Is this happening? Because I can't wait. [laughs] 1664 01:18:31,458 --> 01:18:32,458 Yeah. 1665 01:18:32,916 --> 01:18:34,374 Me too. [exhales] 1666 01:18:34,375 --> 01:18:36,458 - [knocking on door] - [man] Yeah, come in. 1667 01:18:38,208 --> 01:18:39,250 [door opens] 1668 01:18:41,125 --> 01:18:42,791 - Jess. - [Jessica] Well, hey. 1669 01:18:43,458 --> 01:18:45,666 - [man] Get over here. - [Jessica] How are you? 1670 01:18:46,625 --> 01:18:48,332 [groans] Meh. 1671 01:18:48,333 --> 01:18:49,332 Yeah? 1672 01:18:49,333 --> 01:18:51,499 - Well, you look well. - Oh! 1673 01:18:51,500 --> 01:18:53,750 Well, you were always a lousy liar. 1674 01:18:54,375 --> 01:18:57,249 [chuckles] Oh, uh, I was gonna call you, 1675 01:18:57,250 --> 01:19:00,832 because I read the article you did about the payday lender victims. 1676 01:19:00,833 --> 01:19:03,999 - They owe you a Pulitzer. - Okay, not gonna happen, but thanks. 1677 01:19:04,000 --> 01:19:06,290 I was also very surprised 1678 01:19:06,291 --> 01:19:08,582 because you said that you were leaving your apartment, 1679 01:19:08,583 --> 01:19:10,415 but, no, you're leaving the whole country. 1680 01:19:10,416 --> 01:19:12,500 Yeah, well, anything for a story, right? 1681 01:19:13,208 --> 01:19:16,625 And broadening my horizons turned out to be surprisingly enjoyable. 1682 01:19:17,666 --> 01:19:19,875 Oh, okay. Hey, I'm happy for you. 1683 01:19:20,458 --> 01:19:21,665 Okay, I need a favor. 1684 01:19:21,666 --> 01:19:24,665 So Dave Fishwick, who's been campaigning for the payday lenders. 1685 01:19:24,666 --> 01:19:27,708 - Yeah? - He got an extradition order for Mancini. 1686 01:19:28,583 --> 01:19:30,000 - No shit. - Yeah. 1687 01:19:31,041 --> 01:19:32,124 - Beautiful. - Yeah. 1688 01:19:32,125 --> 01:19:34,207 So it's time for this scumbag to face the music. 1689 01:19:34,208 --> 01:19:35,999 Yeah, but is he gonna comply? 1690 01:19:36,000 --> 01:19:38,415 Not a chance. Doesn't matter. 1691 01:19:38,416 --> 01:19:42,040 He's been trying to build up a criminal empire for the last five years. 1692 01:19:42,041 --> 01:19:44,499 Right? Making it into a legitimate business. 1693 01:19:44,500 --> 01:19:48,041 And along the way, he has corrupted more than a few. 1694 01:19:48,625 --> 01:19:51,458 Financiers, politicians, lawyers. 1695 01:19:52,041 --> 01:19:55,207 And although they are all venal and unscrupulous, 1696 01:19:55,208 --> 01:19:56,915 they will run for the hills 1697 01:19:56,916 --> 01:20:00,332 in order to avoid being associated with such blatant criminality. 1698 01:20:00,333 --> 01:20:04,040 Without them, he goes back to being a straight crime boss. 1699 01:20:04,041 --> 01:20:05,999 Easy target for the feds. 1700 01:20:06,000 --> 01:20:08,582 - And for me. - Yeah, I get that. But here's the thing. 1701 01:20:08,583 --> 01:20:11,458 Dave wants to personally hand him the extradition order. 1702 01:20:12,000 --> 01:20:14,082 We just need to find out where Mancini is. 1703 01:20:14,083 --> 01:20:16,041 [joyful music playing] 1704 01:20:17,041 --> 01:20:18,500 Well... [clears throat] 1705 01:20:19,833 --> 01:20:20,833 Yeah. 1706 01:20:21,708 --> 01:20:23,000 I would, uh, 1707 01:20:23,791 --> 01:20:25,875 be very happy to help you out with that. 1708 01:20:26,583 --> 01:20:28,750 ["New York" by Caroline Lofts playing] 1709 01:20:31,166 --> 01:20:33,166 [cars honking] 1710 01:20:33,875 --> 01:20:34,957 - Here you go. - Thanks. 1711 01:20:34,958 --> 01:20:35,958 Welcome. 1712 01:20:36,416 --> 01:20:41,041 ♪ Oh, oh, oh, oh, oh, New York ♪ 1713 01:20:44,833 --> 01:20:48,416 ♪ Don't hide no more ♪ 1714 01:20:49,041 --> 01:20:50,374 ♪ The City... ♪ 1715 01:20:50,375 --> 01:20:51,415 Howdy doody! 1716 01:20:51,416 --> 01:20:52,458 I'm Dave. 1717 01:20:53,041 --> 01:20:54,041 [man] Hey, Jess. 1718 01:20:54,833 --> 01:20:56,082 Ah! There she is! 1719 01:20:56,083 --> 01:20:57,540 - Hey. - [Dave] Hey, how you doing? 1720 01:20:57,541 --> 01:20:59,165 - [Jessica] Good. You? - Good to see you. 1721 01:20:59,166 --> 01:21:00,457 - [Jessica] You too! - [song ends] 1722 01:21:00,458 --> 01:21:03,165 - Oh, is that your boss? Hiya. - [Nicky] Hey. [laughs] 1723 01:21:03,166 --> 01:21:05,832 Hey. Dave Fishwick. Nice to meet you. How you doing? 1724 01:21:05,833 --> 01:21:06,916 Hello. How you doing? 1725 01:21:07,500 --> 01:21:08,707 Oh! Look at the view. 1726 01:21:08,708 --> 01:21:09,624 - [Jessica] Hey. - Hey. 1727 01:21:09,625 --> 01:21:10,915 [Dave] The Big Applee-Doo-Dah! 1728 01:21:10,916 --> 01:21:12,207 - Come here! - [Dave] Well done. 1729 01:21:12,208 --> 01:21:14,665 - [Jessica] Well, how was your trip? - Yeah, good. 1730 01:21:14,666 --> 01:21:18,082 - You must be knackered. - Look at you with the lingo. Oh! Grand. 1731 01:21:18,083 --> 01:21:20,040 No, just raring to go. 1732 01:21:20,041 --> 01:21:23,332 Well, good thing because the New Jersey police came through for us. 1733 01:21:23,333 --> 01:21:24,832 - Yeah. - [Jessica] Yeah. 1734 01:21:24,833 --> 01:21:26,665 So this is Mancini's home. 1735 01:21:26,666 --> 01:21:29,457 He lives in a gated community in Wayne, New Jersey. 1736 01:21:29,458 --> 01:21:30,999 This is where he works. 1737 01:21:31,000 --> 01:21:34,583 In order to serve someone, you have to physically hand them the legal documents. 1738 01:21:35,125 --> 01:21:37,832 Now, we won't be able to do that of course at these places because, 1739 01:21:37,833 --> 01:21:39,375 according to Detective Adams, 1740 01:21:40,333 --> 01:21:42,999 security won't let us get anywhere near him. 1741 01:21:43,000 --> 01:21:44,333 But, hold on. 1742 01:21:45,041 --> 01:21:47,082 Every Sunday at lunchtime, he and his cronies 1743 01:21:47,083 --> 01:21:49,500 go to the same Italian restaurant in Patterson. 1744 01:21:50,291 --> 01:21:51,915 It's a ritual they've been doing for years. 1745 01:21:51,916 --> 01:21:53,500 That's where we get him. 1746 01:21:54,833 --> 01:21:56,249 Great. How do we get there? 1747 01:21:56,250 --> 01:21:58,707 Well, I made a reservation for an hour and a half, 1748 01:21:58,708 --> 01:22:00,374 if you guys wanna check it out. 1749 01:22:00,375 --> 01:22:02,040 [suspenseful music playing] 1750 01:22:02,041 --> 01:22:04,040 Let's go get ourselves some pasta. 1751 01:22:04,041 --> 01:22:05,041 [Nicky giggles] 1752 01:22:06,500 --> 01:22:07,915 - Oh, let me just... - Oh. 1753 01:22:07,916 --> 01:22:09,582 [emotional music plays] 1754 01:22:09,583 --> 01:22:10,749 Thanks. 1755 01:22:10,750 --> 01:22:12,833 {\an8}[dramatic music playing] 1756 01:22:16,916 --> 01:22:18,250 [indistinct shouting] 1757 01:22:28,166 --> 01:22:29,166 Thank you. 1758 01:22:33,583 --> 01:22:35,749 - Yeah, Paterson is a bit like Burnley. - [music ends] 1759 01:22:35,750 --> 01:22:38,124 This used to be one of the richest cities in America. 1760 01:22:38,125 --> 01:22:41,582 They would manufacture silk and beer and Colt revolvers, 1761 01:22:41,583 --> 01:22:45,500 but now it's the poorest, and probably the most dangerous. 1762 01:22:46,083 --> 01:22:48,915 And unlike Burnley. Um... I don't know. 1763 01:22:48,916 --> 01:22:52,415 Nobody really gives a damn around here, so it gets worse every day. 1764 01:22:52,416 --> 01:22:54,415 - [waitress] How we guys doing? - Great, thank you. 1765 01:22:54,416 --> 01:22:57,540 - The food is fantastic. - [waitress chuckles] I'll tell the chef. 1766 01:22:57,541 --> 01:23:00,457 It's all good. In fact, I think we'll come back for lunch tomorrow. 1767 01:23:00,458 --> 01:23:02,999 You won't get any arguments from me. I love Italian. 1768 01:23:03,000 --> 01:23:04,707 - Can I make a booking? - Uh... 1769 01:23:04,708 --> 01:23:08,457 Yeah, I mean, it's not really necessary, but I'll put you down anyway. 1770 01:23:08,458 --> 01:23:10,374 - What time? - Let's say 1:00 p.m. 1771 01:23:10,375 --> 01:23:11,290 [waitress] Cool. 1772 01:23:11,291 --> 01:23:12,832 - I'll call to confirm. - Gotcha. 1773 01:23:12,833 --> 01:23:14,916 [indistinct chatter] 1774 01:23:16,416 --> 01:23:17,957 As soon as I've served him the papers, 1775 01:23:17,958 --> 01:23:19,707 we pick up our stuff from the hotel, 1776 01:23:19,708 --> 01:23:22,833 and then... head straight to MetLife Stadium. 1777 01:23:24,458 --> 01:23:26,707 - Why are we going there? - Def Leppard are playing. 1778 01:23:26,708 --> 01:23:28,832 - I'm so excited. - Wait, what? 1779 01:23:28,833 --> 01:23:30,874 - We know their manager. - No. 1780 01:23:30,875 --> 01:23:32,124 [waitress] So? 1781 01:23:32,125 --> 01:23:33,291 Desserts? 1782 01:23:34,416 --> 01:23:37,707 - You? Want something? - I'll have a gelato. [laughs] 1783 01:23:37,708 --> 01:23:39,207 - Yeah. All right. - [chuckles] 1784 01:23:39,208 --> 01:23:41,625 - [suspenseful music playing] - [sirens wailing] 1785 01:24:25,166 --> 01:24:26,165 [music fades] 1786 01:24:26,166 --> 01:24:28,875 Okay, my friend said they'll be here in five minutes. 1787 01:24:30,708 --> 01:24:33,207 [door opens, creaks] 1788 01:24:33,208 --> 01:24:34,208 Dave. 1789 01:24:34,666 --> 01:24:36,666 [mysterious music playing] 1790 01:24:49,541 --> 01:24:51,707 Okay. [exhales] 1791 01:24:51,708 --> 01:24:53,666 I'll meet you all back at the hotel. 1792 01:24:54,958 --> 01:24:57,082 - I'm not leaving you, Dave. - I'll be fine. 1793 01:24:57,083 --> 01:24:58,624 Are you sure, Dave? 1794 01:24:58,625 --> 01:24:59,875 [music ends] 1795 01:25:01,166 --> 01:25:02,166 I'll be fine. 1796 01:25:05,083 --> 01:25:06,083 [kissing] 1797 01:25:09,125 --> 01:25:12,291 [subway rattles] 1798 01:25:15,166 --> 01:25:16,833 [suspenseful music playing] 1799 01:25:18,000 --> 01:25:20,000 [engines roaring] 1800 01:25:21,041 --> 01:25:22,374 [tires screeching] 1801 01:25:22,375 --> 01:25:24,165 [indistinct radio chatter] 1802 01:25:24,166 --> 01:25:25,208 [car door closes] 1803 01:25:31,375 --> 01:25:35,250 - That's fine. Thank you very much. - Oh wow! Thanks, sir. So kind. 1804 01:25:46,875 --> 01:25:48,125 [man sighs softly] 1805 01:25:50,666 --> 01:25:51,666 Dave. 1806 01:25:53,166 --> 01:25:54,040 [music fades] 1807 01:25:54,041 --> 01:25:56,165 Detective Adams. How you doing? 1808 01:25:56,166 --> 01:25:57,207 All right. 1809 01:25:57,208 --> 01:25:59,832 Long-time friend of Jessica's. She told me what you were doing. 1810 01:25:59,833 --> 01:26:01,750 I thought you might need some backup. 1811 01:26:02,333 --> 01:26:03,832 - I appreciate it. - [chuckles] 1812 01:26:03,833 --> 01:26:05,665 You could have got a lawyer for this. 1813 01:26:05,666 --> 01:26:06,916 Yeah, I know. 1814 01:26:08,916 --> 01:26:10,624 But I've been fighting this guy for months, 1815 01:26:10,625 --> 01:26:12,916 and it's the first time I've seen him in the flesh. 1816 01:26:14,541 --> 01:26:16,749 I just want to be able to look him in the eye 1817 01:26:16,750 --> 01:26:19,041 when he learns the game's up. 1818 01:26:20,916 --> 01:26:23,000 All those people he took advantage of. 1819 01:26:24,666 --> 01:26:26,790 All those people he left powerless. 1820 01:26:26,791 --> 01:26:28,875 [subway rattles] 1821 01:26:30,083 --> 01:26:31,833 Well, I want him to feel the same. 1822 01:26:33,750 --> 01:26:34,791 Me too. 1823 01:26:35,916 --> 01:26:37,750 I came close a couple of times, but... 1824 01:26:38,791 --> 01:26:41,250 Nothing stuck. You know, none of the witnesses would testify. 1825 01:26:42,500 --> 01:26:43,332 Why not? 1826 01:26:43,333 --> 01:26:48,333 [scoffs] He uses the same tricks as, you know, Pablo Escobar. 1827 01:26:48,875 --> 01:26:50,208 Plata o plomo. 1828 01:26:51,166 --> 01:26:52,333 I don't speak French. 1829 01:26:53,250 --> 01:26:56,000 [chuckles] You can either take his silver or his lead. 1830 01:26:57,875 --> 01:26:58,875 Right. 1831 01:27:00,000 --> 01:27:02,040 He made them an offer they couldn't refuse, huh? 1832 01:27:02,041 --> 01:27:03,416 [Adams chuckles] Yeah. 1833 01:27:04,791 --> 01:27:06,541 Look, don't underestimate this guy. 1834 01:27:07,250 --> 01:27:10,124 He's very dangerous. You have him cornered, okay? 1835 01:27:10,125 --> 01:27:12,374 When this is done, you leave immediately. 1836 01:27:12,375 --> 01:27:16,082 I've got four armed officers outside. I'll make sure you're not followed. 1837 01:27:16,083 --> 01:27:17,583 Oh... Well, we... 1838 01:27:18,375 --> 01:27:21,790 We've got tickets back to London late tonight, but... 1839 01:27:21,791 --> 01:27:23,457 [suspenseful music playing] 1840 01:27:23,458 --> 01:27:27,124 Well, we'd hoped to go to a concert at MetLife Stadium beforehand. 1841 01:27:27,125 --> 01:27:28,416 Skip the concert. 1842 01:27:30,625 --> 01:27:31,624 Right. 1843 01:27:31,625 --> 01:27:32,958 You ready? 1844 01:27:34,791 --> 01:27:36,000 As I'll ever be. 1845 01:27:36,958 --> 01:27:37,790 Okay. 1846 01:27:37,791 --> 01:27:39,875 [music swells] 1847 01:27:49,458 --> 01:27:51,166 [bodyguard] You can't go up there. 1848 01:27:53,625 --> 01:27:54,833 Hey, detective. 1849 01:27:55,458 --> 01:27:56,833 How can I be of assistance? 1850 01:27:57,541 --> 01:27:58,583 I'm good, thanks. 1851 01:27:59,083 --> 01:28:02,166 But my English friend here, he'd like to have a word with you. 1852 01:28:04,250 --> 01:28:05,375 [music becomes joyful] 1853 01:28:07,000 --> 01:28:08,375 Hello, Mr. Mancini. 1854 01:28:12,916 --> 01:28:14,416 My name is Dave Fishwick. 1855 01:28:15,500 --> 01:28:16,666 I'm from Burnley. 1856 01:28:18,083 --> 01:28:19,374 And you... 1857 01:28:19,375 --> 01:28:21,708 [epic music playing] 1858 01:28:22,333 --> 01:28:24,208 can consider yourself served. 1859 01:28:27,958 --> 01:28:29,999 He's not gonna take this lying down. 1860 01:28:30,000 --> 01:28:33,333 - My legs are turned to jelly. - I'd pick an earlier flight if I were you. 1861 01:28:39,791 --> 01:28:42,333 [sirens wailing] 1862 01:28:44,875 --> 01:28:47,041 - I can't see anything suspicious. - [music fades] 1863 01:28:48,083 --> 01:28:50,124 I really don't think they're following us. 1864 01:28:50,125 --> 01:28:52,665 - There are no seats on earlier flights. - [knocking on door] 1865 01:28:52,666 --> 01:28:53,958 - [Nicky gasps] - Oh crap. 1866 01:28:55,000 --> 01:28:56,250 [Nicky exhales sharply] 1867 01:28:57,125 --> 01:28:59,749 [Nicky breathing heavily] Oh, for heaven's sake. 1868 01:28:59,750 --> 01:29:00,833 - No, don't. - Huh? 1869 01:29:02,833 --> 01:29:03,833 I'll go. 1870 01:29:06,000 --> 01:29:07,208 [Nicky exhales sharply] 1871 01:29:09,750 --> 01:29:11,999 Oh. It's all right. You don't need to panic. 1872 01:29:12,000 --> 01:29:13,832 Oh, Jesus. 1873 01:29:13,833 --> 01:29:14,999 - [Dave] Hi. Hey. - Hey. 1874 01:29:15,000 --> 01:29:18,165 - How youse holding up? All right? - Okay. Just keen to get away. 1875 01:29:18,166 --> 01:29:19,582 - This is my wife, Nicky. - Hey. 1876 01:29:19,583 --> 01:29:20,957 You know Jessica. This is Oliver. 1877 01:29:20,958 --> 01:29:22,374 - [Nicky] Nice to meet you. - Hey. 1878 01:29:22,375 --> 01:29:23,541 Hello, Jessica. 1879 01:29:24,250 --> 01:29:25,291 [Adams] Who are you? 1880 01:29:25,833 --> 01:29:26,832 I'm, uh, Oliver. 1881 01:29:26,833 --> 01:29:28,500 Detective Adams. 1882 01:29:29,291 --> 01:29:31,124 - Oh. Okay. - [melancholy music playing] 1883 01:29:31,125 --> 01:29:32,790 [Dave] So what's up? 1884 01:29:32,791 --> 01:29:34,541 So we got some bad news. 1885 01:29:35,250 --> 01:29:39,665 Um, Mancini sent out about half a dozen of his men. 1886 01:29:39,666 --> 01:29:41,582 And we can only assume they're looking for you. 1887 01:29:41,583 --> 01:29:42,915 You're kidding. 1888 01:29:42,916 --> 01:29:45,750 Uh... Good news is they ain't found you yet. 1889 01:29:46,666 --> 01:29:47,499 [Dave sighs] 1890 01:29:47,500 --> 01:29:50,124 Well... We're struggling to get away early, so... 1891 01:29:50,125 --> 01:29:51,915 Well, staying here ain't an option. 1892 01:29:51,916 --> 01:29:56,541 So, uh... [sighs] ...maybe you just do go to the concert, you know? 1893 01:29:57,125 --> 01:30:00,207 They're gonna have a hard time tracking you through a crowd that big. 1894 01:30:00,208 --> 01:30:03,457 It'll be risky getting you there, but I'll take care of that for you. 1895 01:30:03,458 --> 01:30:05,165 - [Nicky] Oh, thank you. - [Dave] Really? 1896 01:30:05,166 --> 01:30:07,207 - You'd do that for us? - [optimistic music playing] 1897 01:30:07,208 --> 01:30:08,249 I like you. 1898 01:30:08,250 --> 01:30:10,207 - So... good? - Yeah. 1899 01:30:10,208 --> 01:30:11,624 Pack up your shit. 1900 01:30:11,625 --> 01:30:13,708 [rock music playing] 1901 01:30:15,250 --> 01:30:17,291 [sirens wailing] 1902 01:30:25,208 --> 01:30:26,291 [car doors closing] 1903 01:30:30,500 --> 01:30:32,374 Listen, thanks so much for doing this. 1904 01:30:32,375 --> 01:30:35,290 Uh, it's worth it just to see the look on his face when you served him. 1905 01:30:35,291 --> 01:30:36,416 [laughs] 1906 01:30:36,916 --> 01:30:39,083 - That was pretty good, wasn't it? - [Adams] Yeah. 1907 01:30:39,583 --> 01:30:41,999 All right. You should all be fine in there. 1908 01:30:42,000 --> 01:30:43,790 I got my men stationed out front. 1909 01:30:43,791 --> 01:30:46,208 They're going to keep an eye out for Mancini's men. 1910 01:30:46,916 --> 01:30:48,040 Just enjoy your concert. 1911 01:30:48,041 --> 01:30:49,124 Thanks, pal. 1912 01:30:49,125 --> 01:30:50,207 All right. 1913 01:30:50,208 --> 01:30:52,332 - [Nicky] Hey, thank you. - Thank you. 1914 01:30:52,333 --> 01:30:53,749 [indistinct chatter] 1915 01:30:53,750 --> 01:30:55,832 [Dave chuckles] 1916 01:30:55,833 --> 01:30:57,541 - Mike! - [softly] Oh! 1917 01:30:58,083 --> 01:31:01,249 - [Mike] Dave, you made it. - [exclaims] Great to be here. 1918 01:31:01,250 --> 01:31:04,083 Ah, Turf Moor seems like it was a lifetime ago. 1919 01:31:04,666 --> 01:31:07,208 - You're telling me. - [Mike] Hey, here's some passes. 1920 01:31:07,791 --> 01:31:09,457 VIP. Whoo-hoo! 1921 01:31:09,458 --> 01:31:11,707 The guys would love to see you after the encore. 1922 01:31:11,708 --> 01:31:13,874 Let's head to the dressing room. Come on. 1923 01:31:13,875 --> 01:31:14,790 Let's go. 1924 01:31:14,791 --> 01:31:17,415 ["Pour Some Sugar on Me" performed by Def Leppard] 1925 01:31:17,416 --> 01:31:20,540 ♪ Pour some sugar on me ♪ 1926 01:31:20,541 --> 01:31:22,790 ♪ Ooh, in the name of love ♪ 1927 01:31:22,791 --> 01:31:26,457 ♪ Pour some sugar on me ♪ 1928 01:31:26,458 --> 01:31:28,540 ♪ C'mon, fire me up ♪ 1929 01:31:28,541 --> 01:31:31,665 ♪ Pour some sugar on me ♪ 1930 01:31:31,666 --> 01:31:33,416 ♪ I can't get enough ♪ 1931 01:31:34,000 --> 01:31:37,040 [Nicky] The blue one is soft, but I think this is a bit more rock and roll. 1932 01:31:37,041 --> 01:31:38,041 [Oliver] Yeah. 1933 01:31:39,083 --> 01:31:41,499 - [cell phone chimes] - It's just water and orange juice. 1934 01:31:41,500 --> 01:31:42,457 How do I look? 1935 01:31:42,458 --> 01:31:43,541 Good. 1936 01:31:44,416 --> 01:31:45,707 Do you like the cap? 1937 01:31:45,708 --> 01:31:46,708 [Jessica] Dave? 1938 01:31:47,416 --> 01:31:48,416 What? 1939 01:31:50,500 --> 01:31:52,457 Mitch said that Mancini's guys are outside. 1940 01:31:52,458 --> 01:31:54,541 [band playing in the distance] 1941 01:31:56,500 --> 01:31:59,500 - How? - Because they were tracking your phone? 1942 01:32:03,208 --> 01:32:05,541 I used it to confirm the booking at the restaurant. 1943 01:32:13,625 --> 01:32:14,958 He's still in there. 1944 01:32:15,625 --> 01:32:17,082 No movement so far. 1945 01:32:17,083 --> 01:32:19,582 [crowd cheering] 1946 01:32:19,583 --> 01:32:21,291 He's gotta come out soon. 1947 01:32:22,916 --> 01:32:25,957 ♪ Pour your sugar on me ♪ 1948 01:32:25,958 --> 01:32:28,415 ♪ Oh-ooh ♪ 1949 01:32:28,416 --> 01:32:31,374 ♪ Pour some sugar on me ♪ 1950 01:32:31,375 --> 01:32:34,540 ♪ Yeah, sugar me ♪ 1951 01:32:34,541 --> 01:32:37,874 - [band playing final chord] - [song ends] 1952 01:32:37,875 --> 01:32:39,416 [crowd cheering] 1953 01:32:40,125 --> 01:32:41,333 [inaudible] 1954 01:32:42,500 --> 01:32:44,207 [applause and cheering fading] 1955 01:32:44,208 --> 01:32:46,000 So they're really gangsters? 1956 01:32:46,583 --> 01:32:50,290 Oh, yeah. The FBI and the Jersey police, they have files on them like... 1957 01:32:50,291 --> 01:32:51,582 like this thick. 1958 01:32:51,583 --> 01:32:54,165 And they're still allowed to do business in the UK? 1959 01:32:54,166 --> 01:32:55,915 Not for much longer, I hope. 1960 01:32:55,916 --> 01:32:58,333 All right, then. You're all coming home with us. 1961 01:32:59,416 --> 01:33:00,249 What? 1962 01:33:00,250 --> 01:33:03,041 Seriously, we got loads of security 1963 01:33:03,541 --> 01:33:06,207 - And our own jet. - Yeah, it's perfect. 1964 01:33:06,208 --> 01:33:07,290 Oh no. 1965 01:33:07,291 --> 01:33:11,499 Look, that's incredibly generous of you, but these lads aren't messing about. 1966 01:33:11,500 --> 01:33:14,374 If they see me with you, it could be dangerous for you. 1967 01:33:14,375 --> 01:33:16,041 Dave, they're not gonna see you. 1968 01:33:17,583 --> 01:33:19,000 How do you mean? 1969 01:33:22,250 --> 01:33:23,124 What, in here? 1970 01:33:23,125 --> 01:33:25,332 You need to leave your phone here. 1971 01:33:25,333 --> 01:33:28,624 - Oh, it's... It's turned off. - Yeah, they can still track it. 1972 01:33:28,625 --> 01:33:30,624 I saw it on CSI. 1973 01:33:30,625 --> 01:33:32,958 We'll let you out when we get off the ground. 1974 01:33:35,041 --> 01:33:36,458 Right. [sighs] 1975 01:33:37,041 --> 01:33:39,540 I don't know. I'm slightly concerned about this. 1976 01:33:39,541 --> 01:33:41,958 Yeah. Yeah, me too. 1977 01:33:44,583 --> 01:33:45,999 [melancholy music playing] 1978 01:33:46,000 --> 01:33:49,000 So what do you think about me going with you? 1979 01:33:54,875 --> 01:33:57,166 What? To... To Burnley? 1980 01:33:57,875 --> 01:34:00,458 Yeah. I miss Burnley. 1981 01:34:02,000 --> 01:34:03,208 And I miss you. 1982 01:34:16,666 --> 01:34:19,624 Yeah. Yeah, I... I think that's a good idea. 1983 01:34:19,625 --> 01:34:20,791 [music fades] 1984 01:34:21,541 --> 01:34:22,624 [Dave groans] 1985 01:34:22,625 --> 01:34:25,500 - You're good? - Relax. Everything's gonna be all right. 1986 01:34:26,458 --> 01:34:27,665 You know what, Dave? 1987 01:34:27,666 --> 01:34:29,582 Somebody should make a movie about your life. 1988 01:34:29,583 --> 01:34:33,415 Don't be daft. Who in their right mind will want to watch a movie about me? 1989 01:34:33,416 --> 01:34:35,457 [crowd laughing] 1990 01:34:35,458 --> 01:34:38,457 [Dave] You think I'm lying, but I'm not. I think I was lying, but I'm not. 1991 01:34:38,458 --> 01:34:40,124 [crowd laughing] 1992 01:34:40,125 --> 01:34:41,457 I'm being serious. 1993 01:34:41,458 --> 01:34:43,999 Then what happened, Dave? How did you get back here? 1994 01:34:44,000 --> 01:34:46,374 Well, we're talking about rock legends, Jeff. 1995 01:34:46,375 --> 01:34:48,790 So of course they got their own private jets. 1996 01:34:48,791 --> 01:34:51,916 I were in the hold along with the rest of the band's gear. 1997 01:34:52,416 --> 01:34:53,750 Ten minutes after takeoff... 1998 01:34:58,000 --> 01:34:59,000 Is he dead? 1999 01:34:59,500 --> 01:35:01,958 Nope. Just sleeps like that. 2000 01:35:03,000 --> 01:35:04,290 I slept like a baby. 2001 01:35:04,291 --> 01:35:05,958 [crowd laughing] 2002 01:35:07,166 --> 01:35:10,833 Well, this story, it's got an even happier ending, 2003 01:35:12,291 --> 01:35:16,249 because last night QuickDough went into receivership. 2004 01:35:16,250 --> 01:35:18,165 - They're out of business! - [crowd cheering] 2005 01:35:18,166 --> 01:35:21,583 And Carlo Mancini has been charged by the FBI. 2006 01:35:22,291 --> 01:35:23,415 And I'm hoping... 2007 01:35:23,416 --> 01:35:27,332 I am hoping that in the coming months and years the rest of them will follow. 2008 01:35:27,333 --> 01:35:28,583 [crowd cheering] 2009 01:35:30,125 --> 01:35:32,207 And I'm thankful for Andrew, our MP, 2010 01:35:32,208 --> 01:35:33,915 he's putting pressure on the government 2011 01:35:33,916 --> 01:35:36,957 to make sure they introduce new legislation 2012 01:35:36,958 --> 01:35:42,040 so that nobody can take advantage of the most vulnerable ever, ever again. 2013 01:35:42,041 --> 01:35:43,541 [crowd cheering] 2014 01:35:45,750 --> 01:35:50,625 So tonight, we're gonna celebrate! 2015 01:35:52,041 --> 01:35:55,582 But first, I'd like to introduce a couple of people up to the stage 2016 01:35:55,583 --> 01:35:57,332 who've helped us along the way. 2017 01:35:57,333 --> 01:36:00,415 Firstly, my wife Nicky. 2018 01:36:00,416 --> 01:36:02,207 - Come on up here. - [crowd cheering] 2019 01:36:02,208 --> 01:36:03,333 Yeah. 2020 01:36:04,125 --> 01:36:06,957 Couldn't have done it without her. Huh? Any of it. 2021 01:36:06,958 --> 01:36:09,207 - Next, Oliver and Jessica. - [Jessica gasps] 2022 01:36:09,208 --> 01:36:11,040 [crowd cheering] 2023 01:36:11,041 --> 01:36:13,249 Put your hands together for these two. 2024 01:36:13,250 --> 01:36:16,040 They were the brains behind the whole thing. 2025 01:36:16,041 --> 01:36:20,415 Now, not many people can say that a rock band has saved their life, 2026 01:36:20,416 --> 01:36:23,124 but in my case, it's actually true. 2027 01:36:23,125 --> 01:36:24,707 Last time I saw them, 2028 01:36:24,708 --> 01:36:29,000 they were playing in front of 85,000 screaming fans. 2029 01:36:29,625 --> 01:36:30,875 Tonight... 2030 01:36:32,500 --> 01:36:34,165 - It's for you lot. - What? 2031 01:36:34,166 --> 01:36:37,082 Ladies and gentlemen, please put your hands together 2032 01:36:37,083 --> 01:36:42,165 and welcome to the stage my friends Def Leppard! 2033 01:36:42,166 --> 01:36:43,875 - [crowd cheering] - No way! 2034 01:36:47,541 --> 01:36:49,041 Oh, my lad! 2035 01:36:49,791 --> 01:36:51,082 Oh my God! 2036 01:36:51,083 --> 01:36:53,291 [Dave] The men who saved me! 2037 01:36:54,125 --> 01:36:55,625 Def bloody Leppard! 2038 01:36:56,916 --> 01:36:58,374 Make some noise! 2039 01:36:58,375 --> 01:37:00,332 [crowd continues cheering] 2040 01:37:00,333 --> 01:37:01,333 Right! 2041 01:37:01,791 --> 01:37:03,707 Are we ready? 2042 01:37:03,708 --> 01:37:04,790 [all] Yeah! 2043 01:37:04,791 --> 01:37:06,207 Are you ready? 2044 01:37:06,208 --> 01:37:07,999 [all] Yeah! 2045 01:37:08,000 --> 01:37:10,457 ["Stand By Me" by Ben E. King playing] 2046 01:37:10,458 --> 01:37:12,416 [fingers snapping] 2047 01:37:19,041 --> 01:37:22,458 ♪ When the night has come ♪ 2048 01:37:24,375 --> 01:37:26,541 ♪ And the land is dark ♪ 2049 01:37:27,375 --> 01:37:32,791 ♪ And the moon Is the only light we'll see ♪ 2050 01:37:34,875 --> 01:37:40,875 ♪ No, I won't be afraid ♪ 2051 01:37:43,041 --> 01:37:46,499 ♪ Just as long as you stand ♪ 2052 01:37:46,500 --> 01:37:48,332 ♪ Stand by me ♪ 2053 01:37:48,333 --> 01:37:49,540 - Come on, everybody! - Come on! 2054 01:37:49,541 --> 01:37:54,374 ♪ So darlin', darlin', stand by me ♪ 2055 01:37:54,375 --> 01:37:58,708 ♪ Oh, stand by me ♪ 2056 01:37:59,291 --> 01:38:04,165 ♪ Oh, stand, stand by me ♪ 2057 01:38:04,166 --> 01:38:05,750 ♪ Stand by me ♪ 2058 01:38:07,125 --> 01:38:10,374 ♪ If the sky that we look upon ♪ 2059 01:38:10,375 --> 01:38:12,332 - [Dave] Zoe! Zoe! C'mon up. - [Zoe] No! 2060 01:38:12,333 --> 01:38:13,749 ♪ Should tumble and fall ♪ 2061 01:38:13,750 --> 01:38:15,832 [Dave] You gotta hear this girl's voice! 2062 01:38:15,833 --> 01:38:20,833 ♪ Or the mountains Should crumble to the sea ♪ 2063 01:38:23,041 --> 01:38:26,290 ♪ I won't cry, I won't cry ♪ 2064 01:38:26,291 --> 01:38:30,875 ♪ No, I won't shed a tear ♪ 2065 01:38:31,375 --> 01:38:34,999 ♪ Just as long as you stand ♪ 2066 01:38:35,000 --> 01:38:36,790 ♪ Stand by me ♪ 2067 01:38:36,791 --> 01:38:37,957 [Dave] All together now! 2068 01:38:37,958 --> 01:38:42,832 ♪ So darlin', darlin', stand by me ♪ 2069 01:38:42,833 --> 01:38:46,833 ♪ Oh, stand by me ♪ 2070 01:38:47,416 --> 01:38:52,457 ♪ Oh, stand now, stand by me ♪ 2071 01:38:52,458 --> 01:38:53,832 ♪ Stand by me ♪ 2072 01:38:53,833 --> 01:38:58,790 ♪ Whenever you're in trouble Won't you stand by me ♪ 2073 01:38:58,791 --> 01:39:02,874 ♪ Oh, stand by me ♪ 2074 01:39:02,875 --> 01:39:08,040 ♪ Oh, stand now, stand by me ♪ 2075 01:39:08,041 --> 01:39:09,791 ♪ Stand by me ♪ 2076 01:39:11,750 --> 01:39:14,166 [all cheering] 2077 01:39:23,250 --> 01:39:24,665 [song fades] 2078 01:39:24,666 --> 01:39:27,375 ["Just Like 73" by Def Leppard playing] 2079 01:39:31,416 --> 01:39:32,416 ♪ Hey! ♪ 2080 01:39:47,416 --> 01:39:53,416 ♪ I see your cosmic fingers A-pointing in my way ♪ 2081 01:39:54,750 --> 01:40:00,750 ♪ I see mystic vision Through the laser head ♪ 2082 01:40:01,458 --> 01:40:05,332 ♪ A stardust religion It's the end of days ♪ 2083 01:40:05,333 --> 01:40:09,040 ♪ A ride to the crazy on electric phase ♪ 2084 01:40:09,041 --> 01:40:12,874 ♪ When love took disciples In the pleasure of dawn ♪ 2085 01:40:12,875 --> 01:40:16,874 ♪ A scene revolution we can call our own ♪ 2086 01:40:16,875 --> 01:40:20,707 ♪ Hey-oh, wanna rock with you ♪ 2087 01:40:20,708 --> 01:40:23,625 ♪ Just like 72 ♪ 2088 01:40:24,375 --> 01:40:28,124 ♪ Hey-oh, rock with me ♪ 2089 01:40:28,125 --> 01:40:31,290 ♪ Just like 73 ♪ 2090 01:40:31,291 --> 01:40:32,291 ♪ Hey! ♪ 2091 01:40:37,625 --> 01:40:43,625 ♪ Just like 73 ♪ 2092 01:40:52,000 --> 01:40:53,666 ♪ Hey! ♪ - [song ends] 2093 01:40:54,500 --> 01:40:57,125 ["Stand By Me" by Ben E. King playing] 2094 01:41:10,208 --> 01:41:13,958 ♪ When the night has come ♪ 2095 01:41:15,750 --> 01:41:18,499 ♪ And the land is dark ♪ 2096 01:41:18,500 --> 01:41:24,500 ♪ And the moon Is the only light we'll see ♪ 2097 01:41:26,750 --> 01:41:32,750 ♪ No, I won't be afraid ♪ 2098 01:41:35,083 --> 01:41:38,957 ♪ Just as long as you stand ♪ 2099 01:41:38,958 --> 01:41:41,749 ♪ Stand by me ♪ 2100 01:41:41,750 --> 01:41:46,999 ♪ So darlin', darlin', stand by me ♪ 2101 01:41:47,000 --> 01:41:51,624 ♪ Oh, stand by me ♪ 2102 01:41:51,625 --> 01:41:56,624 ♪ Oh, stand now, stand by me ♪ 2103 01:41:56,625 --> 01:41:58,708 ♪ Stand by me ♪ 2104 01:42:00,000 --> 01:42:04,250 ♪ If the sky that we look upon ♪ 2105 01:42:05,625 --> 01:42:08,207 ♪ Should tumble and fall ♪ 2106 01:42:08,208 --> 01:42:14,000 ♪ And the mountains Should crumble to the sea ♪ 2107 01:42:16,500 --> 01:42:20,082 ♪ I won't cry, I won't cry ♪ 2108 01:42:20,083 --> 01:42:24,749 ♪ No, I won't shed a tear ♪ 2109 01:42:24,750 --> 01:42:28,624 ♪ Just as long as you stand ♪ 2110 01:42:28,625 --> 01:42:31,415 ♪ Stand by me ♪ 2111 01:42:31,416 --> 01:42:36,665 ♪ So darlin', darlin', stand by me ♪ 2112 01:42:36,666 --> 01:42:41,207 ♪ Oh, stand by me ♪ 2113 01:42:41,208 --> 01:42:46,249 ♪ Oh, stand now, stand by me ♪ 2114 01:42:46,250 --> 01:42:48,333 ♪ Stand by me ♪ 2115 01:42:50,291 --> 01:42:52,458 [instrumental part of the song continues] 2116 01:43:21,208 --> 01:43:26,249 ♪ So darlin', darlin', stand by me ♪ 2117 01:43:26,250 --> 01:43:30,790 ♪ Oh, stand by me ♪ 2118 01:43:30,791 --> 01:43:36,207 ♪ Oh, stand now, stand by me ♪ 2119 01:43:36,208 --> 01:43:37,540 ♪ Stand by me ♪ 2120 01:43:37,541 --> 01:43:42,832 ♪ Whenever you're in trouble Won't you stand by me ♪ 2121 01:43:42,833 --> 01:43:45,957 ♪ Oh, stand by me ♪ 2122 01:43:45,958 --> 01:43:47,666 [song fades] 158979