Back in 2023, director Chris Foggin’s delightful Bank of Dave depicted how England’s Dave Fishwick rose from a working-class bloke who parlayed his one-man car repair shop into Britain’s largest minibus supplier, and then — enraged by what the 2008 financial crisis did to ordinary folks — set up his own lending company.
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| After Dave Fishwick (Rory Kinnear, foreground) publicizes the predatory tactics of payday lenders, they fight back in a way that drags him into court and threatens the existence of his bank. His colleagues — from left, David (Pearce Quigley), Oliver (Amit Shah) and Jessica (Chrissy Metz) — offer words of encouragement. |
Scripters Piers Ashworth and Clare Keogh shaded some events — it was a film, not a documentary — but the core jaw-dropping details were accurate. (Channel 4’s actual 2012 documentary is readily available via YouTube.)
But Fishwick wasn’t finished.
Foggin and Ashworth are back, with the just-released Bank of Dave 2: The Loan Ranger, which delivers an equally entertaining and provocative account of what Fishwick did starting in 2013, after learning that some of his customers were being bled dry by the usurious interest charged by payday lending firms.
(We’re warned, as was the case with the first film, that this one’s narrative is “true-ish” at best.)
Rory Kinnear and Jo Hartley return as Dave and his wife, Nicky, who make the perfect team. Events kick off quickly, when — during a chat show — Dave hears from a caller who is being buried beneath crippling interest rates on a payday loan.
He’s stunned to discover that the British government has done nothing about this predatory business model. Dave then allies himself with Oliver (Amit Shah), a Citizen’s Advice & Law Center counsellor who can lead him to numerous victims.
But unlike Dave’s earlier battle, which was limited to British entities, he and Oliver learn that the two largest payday offenders — dubbed Quickdough and Snapcash Advance — are overseen by a dodgy wealthy American named Carlo Mancini (Rob Delaney). This prompts Dave to cajole Jessica (Chrissy Metz), a New York-based financial journalist, into joining them in his Lancashire home town of Burnley.
Their subsequent crusade runs into serious roadblocks. None of the victims is willing to testify in court, for fear of being slapped with even higher interest rates. And while interviewing such folks, Dave learns that both operations are run solely online ... meaning that there’s no physical place for borrowers to pay back in cash, even if they have the necessary amount.
That really annoys him ... but it also prompts the ingenious manner with which he decides to channel public outrage, social media being more of a force than it was, back in 2008.
