Bank of Dave 2: The Loan Ranger

رسانه اینترنتی مای موویز MyMoviz جامعترین سایت فیلم و سریال

رسانه اینترنتی مای موویز MyMoviz جامعترین سایت فیلم و سریال

That was a clip from the recent documentary

about the founding of this country's first-ever community bank,

Yeah, the Bank of Dave,

In the studio, we have Dave himself, All the way from Burnley, Hey!

- So good to have you, Dave, - Good to be here, Thanks for inviting me,

So when did you have the first idea for the Bank of Dave?

Well, it was during the financial crisis,

I'd built up a…

Well, it's a good business, selling vans and minibuses

but, a lot of my customers and friends, they were struggling,

These were people that I believed in so I lent them my own money,

Sure enough, they got back on their feet, and paid me back,

Some of them asked me to invest some of the extra money that they'd made,

but for that, I needed to be a bank,

Which you named after yourself,

Well, in my defense,

calling it the Bank of Dave, that were my wife Nicky's idea,

She's been behind me all the way on this, She's been brilliant,

So how did I do?

Do you really need me to feed your ego, Dave?

Yes,

- You did great, - Thank you,

Can we go home now?

We can get shot of London, but we still got the radio show in Manchester to do,

- So… - Oh!

Who knew being famous was this tiring?

Oh, give over,

Anyone calls for Dave? Let's go to Mavis from Salford,

What would you like to ask, Mavis?

Thanks for taking my call, Graham,

You're very welcome,

Mr, Fishwick,

Dave, please, Make me sound like I've done something wrong,

Right, Hello, Dave,

So tell me this, If I borrowed 200 quid from your bank,

how much would I owe you in a year's time?

Uh, well, we charge different interest rates

depending on what you can afford,

But, uh, on average, it's just under 8%,

So if my math is right, uh, you'd owe 216 quid in a year's time,

Right, And what about late payment fees?

No, no, So long as you got a good reason, we don't charge them,

That's nice,

I just wanted to tell you,

Twelve and a bit months ago I borrowed 200 quid

from one of them payday loan companies, QuickDough,

They've got adverts on the TV and their name across footballers' shirts,

So I knew they were legit,

So you borrowed 200, How much do you owe now?

£1,480,34,

You're… you're kidding me?

I wish I was,

I'm on a pension, There's no way I can afford that,

Hang on, You're telling me they've charged you…

…6,000% interest?

Plus late payment fees,

Whoa,

Sorry, That's bloody criminal, is what it is,

You're right, Dave, I was thinking you should do something,

Me?

Look, I'm just Dave from Burnley,

I do what I can,

I've loaned 40 million quid, and created jobs--

Forty million?

That lot have lent over a billion and a half,

That's thousands and thousands of vulnerable people

all across this country who've been taken advantage of,

You say you want to help ordinary people,

Well, what about us? We need help,

Mavis, thank you,

That's all we've got time for, Dave, Thanks for joining us,

I-- No, Uh, thanks for having me,

Go on, everybody!

Thank you,

Well done, Dave, Well done!

Thank you!

- Nice one, Dave, - Cheers, Jeff,

- Hey, question for you, - Yeah?

Have you ever had any dealings with them payday loan companies?

What? QuickDough and Snapcash Advance and the like?

- Yeah, them's the one, - No chance,

You know how much interest them bastards charge?

A lot more than the Bank of Dave, that's for sure,

I… I'm trying to find out more about them, Do you think of anyone who might help?

Ah, yeah,

Oliver, over there, volunteers at Citizens Advice,

He's an accountant,

so deals with a lot of folk with money problems,

- Oliver, you said? - Yeah,

- Thanks, Jeff, - No worries,

- Oliver? - Yeah,

Hi, I'm Dave,

Oliver, Hi, Dave,

You're from Bank of Dave?

Guilty as charged,

All right, we've got Zoe, Where's Zoe? Zoe?

- Nice to meet you, - Is that you?

Look, Jeff tells me that you do some work with Citizens Advice,

Yeah,

Have you ever met people who got problems with payday loans?

Well, yeah, Hundreds,

Right here in Burnley, it's like a plague,

Uh, you know Ray, right?

Uh-huh,

Well, his, uh, marriage broke up

after he took out two of them loans without telling his wife,

Is that what happened?

And that's Billy and Ted Heald,

The brothers took out a loan from Snapcash Advance

just to try and make payroll,

- Ended up closing the shop? - Yeah,

And it's not just here,

Across the whole country, thousands are being driven into poverty,

I don't understand this,

How are these companies getting away with it?

Well, it's our government's idea of business friendly regulations,

which basically translates as helping out their rich mates,

Zoe's mom was, uh, forced to sell her car,

She's still way behind on her loan payments,

I know…

I know I want to do something about this, I just…

Just not sure what,

Right, Well…

Someone like you, Dave,

you've got a chance to make a huge difference,

And, uh, whatever I can do to…

Just let me know, and I'll be there,

- Thanks, pal, - Yeah,

Are you googling again?

I was,

I'm reading an article about payday lending companies now,

Cup of tea?

Mmm… Love one,

Hey, what about that singer last night?

Yeah, unbelievable, I've never heard the like,

I have to take singing lessons before I get up there again,

Aw,

Hello, this is Jessica,

Jessica? Jessica Morea? Top finance writer?

This is Dave Fishwick here,

Do I know you?

Uh, no, but, uh, I'm Dave from the Bank of Dave,

The what?

I… I set up the Bank of Dave,

Is that a real thing?

Yeah, it's a bank,

Oh! No kidding,

Okay, Um… Okay, How can I help you?

Oh, I just, uh, read your articles on the payday lending companies,

They're fantastic,

Thank you,

Yeah, And I want to get all them companies closed down…

Well, they pretty much already are,

I mean, mostly,

- Are they? - Mm-hmm,

Hmm, Well, not in the UK,

Uh… If anything they're getting worse and I want to stop them,

Okay, Well, how do you plan on doing that?

I've not got a clue, That's what I'm talking to you about,

Okay, I mean, I guess you'd have to put pressure on the authorities,

but it could take a really long time,

We haven't got time, This…

There are thousands and thousands of ordinary people suffering,

That can't wait for the authorities to get off their asses,

We need to do something about it now,

Yeah, I agree, Um…

And I hear you, but I don't know what,

Hmm, Nor do I,

If I paid for your flights and your accommodation, would you come over here?

Where is here?

Burnley,

Burnley? I've never heard of it,

No? It's in Lancashire,

England,

Oh! Oh, that is a ways away,

Listen, um, I'm really grateful for the offer,

but, um, I don't do a lot of traveling,

I… I… Basically from my apartment to the office, and I don't even like that,

- I don't even like to do that, - Will you at least think about it?

I… I could really do with your help and your insight on this,

And who knows? You might even get a good story for your paper,

I could,

Yeah, but it's not gonna be by me, Sorry, Um, good luck with that anyway,

Bye-bye,

I don't really see this blockchain currency thing taking off,

Trust me, it's going to be huge in a few years,

Yeah, well, you say that here,

I just… I don't buy it,

And these other proposals…

High-velocity trading algorithms, quantitative easing safeguards,

They're just so cerebral,

What we need are human interest stories our readers can relate to,

Yeah, I don't really excel, you know, working with other people,

Look, You're a good writer, Jessica,

The payday lenders series was great,

So go home and come up with something else like that, Something new,

And then we can talk about getting you another short-term contract,