With the exception of being the managing director of Wonga, QuickQuid or Toothfairy – not to mention Russell Hamblin-Boone – you have to admire what Dave Fishwick is doing. It all began with Bank of Dave, of course, which appeared on our mass-drone-control-screens a couple of years ago. In that unique show, Dave went on a doggedly determined mission to start his very own miniature bank and fuck any of the consequences – a task which proved to be almost impossible at times, and saw Dave swearing more or less constantly about the state of banking and the people who control it (whilst being sporadically fucked by the consequences, it has to be said).
Haven”t seen Bank of Dave yet? Well, may I suggest you watch it.
Working on the assumption that most people who haven’t seen the show yet are quite lazy and will probably continue reading this blog post without bothering to do so (the void of white space between the last paragraph and this one — not to mention all the links — was supposed to be the catalyst to make you do that, but never mind, it’s done now), let the following things be known: Dave isn’t shy with his language, is a great believer in singing along at the top of his voice while driving in his car – a running theme throughout both shows, it seems – and believes that Pennsylvania is where Dracula is from. Yep, I mean it – unless I was hallucinating. Unsurprisingly, in Dave’s second TV show for Channel 4, Dave got lost more than a couple of times, and this time, I don’t think we can blame the sat-nav.
Anyway, with Bank of Dave it was all about bringing the world to rights by starting a bank which actually gave a shit about what it was doing. A highly novel concept which understandably came under fire from those who thought ethical banking was about as possible as dry fishing. Everyone said it couldn’t be done – by everyone I mean banking experts, about which I will leave you to draw your own conclusions – and yet Dave managed it. You could even say he’s done a pretty good job.
Dave: Loan Ranger, saw a continuation of Dave’s dangerous determination streak, along with him saying brilliant things like “I’ll stick this up their arse”. This time, we watched nicely edited Channel 4 footage of Mr Fishwick bringing mental anguish and torment to a brand new adversary who, by all accounts, thoroughly deserves it and should actually rot in hell for what they have done: the pay-day loan companies who can get you money in 15 minutes – a transaction which, for the people featured in the show, came complete with sleepless nights, threatening letters and a feeling that none of this would ever be over until they had lost everything. Having watched the show, I concluded that about the only thing a pay-day loan seems good for is rising your blood pressure very quickly. Wonderful if you’ve got hypotension, but pretty crap if you’re not one of the 30% of adults in the UK over 65 who has.
I was determined to not review this show while being utterly biased. Much as I’d loved Bank of Dave, I wanted to watch Dave: Loan Ranger as if I had never seen Bank of Dave before, and didn’t have a ruddy clue who this daring Fishwick character was. Yet without drilling into a very specific part of my brain with incredible accuracy, this couldn’t be achieved, of course. And let’s be honest. Even if it could have been done, I’d still have hated the people who offer these ludicrous and evil pay-day loans. Even a severe bang on the head wouldn’t change that.
Another thing I wanted to do was to remain as neutral as possible about the pay-day loans people, which I have already proved is impossible, but please bear with me anyway. Yes, I hated the idea of instant cash loans which led to an incredible spiral of debt, but then again, I didn’t really know very much about them, so who was I to judge? So, my solution was simple. Try and reset my brain as best as I could and only make judgements based on what Dave told me. After all, these loans were pretty nifty when you thought about it all: if a crazy person had turned up at your door before we had broadband, you’d have had both your legs broken before your dial-up had a chance to finish loading Google. Nowadays, however, you can get money in 15 minutes flat, regardless of your financial standing. Great news if the banks won’t lend you any more money and, like I said, that crazy person is arriving very soon.
The judgements weren’t good, is the thing. Not good in any way. I began watching the show thinking Maybe it is some people’s fault for being thick and just taking out loans when they know they shouldn’t. Of course, I didn’t really think that, but I wanted to be fair to everyone, and the only fair way to be fair was to assume that there was blame on both sides. It wasn’t long, however, before the evidence against the evil pay-day loans companies began to gather. We learned from a whistle-blower who has worked for several of these companies that it’s routine practice to target vulnerable people who can barely afford a Mars bar, and that the UK has been selected as a place of operation due to its shabby lack of laws and regulations which, in other countries, protect this sort of thing from happening. We also learned, quite importantly, that the people who are taking out loans from firms like Wonga and QuickQuid are normal, reasonable people. These aren’t – necessarily – people so gullible that they’ll hand over their entire life savings to someone knocking on their door who says they’re from Barclays and just so happened to be in the area. These are people like you and me. People who make mistakes every now and again. People who need help, but end up getting it from the last person they ought to.
Was/is Dave crazy for offering to bail some of these poor individuals out by paying their loan debts off for them? Quite probably, as Dave’s banking expert – proper banking expert, not included in the previous group I mentioned – inferred. I can’t be too sure about what else he said after that, to be honest. I was much too busy thinking You really do look like an old Wallace from those Wallace and Gromit films, don’t you man? I kept waiting for Gromit to appear, but sadly, he never showed up. Maybe next time.
The final part of the show – the part which Channel 4 probably insisted upon for the sake of drama, and you get the feeling Dave would have done even if cameras had been nowhere near him – saw our short Burnley hero take to the streets, to bring his in-debt posse face-to-face with the firms who were making their lives a real pain in the arse. Unfortunately, this part of the show didn’t conclude in explosive fashion, with Dave putting any bankers through any large floor-to-ceiling windows in slow-motion, but that hardly mattered. It was good enough to learn that, in most cases, the firms were writing these particular debts off and leaving these quite literally poor people alone.
So, Dave Fishwick, what’s next? I, for one, hope that Dave will team up with Guy Martin the speed-demon-motorbike-racer, for a dramatic twist on finance. Just picture the scene: Guy constructing a race track from the illegal profits earned by bankers and MPs over the last 20 years, before racing round it with all his northern buddies, as Dave cheers them all on, setting fire to the money. Now, that would be something to see on Channel 4 sometime soon.
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