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