Bank of Dave 2 true story: How accurate is The Loan Ranger?

Titled “Bank of Dave 2: The Lending Cowboy“, this sequel is now streaming on Netflix, continuing the true-to-life tale spun by Dave Fishwick.

Dave, who became a millionaire through his own efforts, established a local bank in Burnley to aid its residents, a tale that was chronicled in the popular Netflix British series “Bank of Dave“. Now, the follow-up focuses on Dave’s struggle against payday loan companies.

In the films, character Dave, portrayed by Rory Kinnear, enlists American journalist Jessica, played by Chrissy Metz, and local Citizens’ Advice counselor Oliver, acted by Amit Shah, in a mission aimed at persuading the UK government to establish regulations for the payday loan industry.

In my perspective as an enthusiastic viewer, “Bank of Dave 2: The Loan Ranger,” just like its predecessor, is inspired by a true(ish) tale – but how closely does it mirror the actual life story of Dave Fishwick? That’s what I’d like to delve into.

Spoilers follow for the movie if you haven’t seen it yet.

Bank of Dave 2 true story explained

Just as with the initial film, it’s accurate to observe that significant artistic liberties have been employed in narrating the campaign saga of David Fishwick against the payday lending firms.

It’s a fact that in 2014, Dave actively opposed payday loan firms, particularly Wonga, as numerous individuals were seeking assistance from Burnley Savings and Loans (also known as “The Bank of Dave”) to repay their loans.

In the film, I found myself identifying with Dave and his Chief Financial Officer, David Henshaw, as they bravely tackled the payday loans issue. They aimed to provide customers with a more budget-friendly interest rate and even opted to repay these loans themselves.

In the 2014 documentary “Dave: Loan Ranger,” it was shown that achieving this was extremely difficult. However, Dave’s persistent efforts played a significant role in prompting the UK government to implement regulations on the payday loan sector, as will be available on Netflix starting January 15.

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To put it simply, the closing title of the sequel indicates that 50 major payday loan providers either closed down on their own or went bankrupt. One of these companies was Wonga, a company that Dave had been actively protesting against.

If you happen to be searching for QuickDough or Snapcash Advance, the firms discussed in “Bank of Dave 2”, please note that they don’t exist in reality as they are works of fiction.

In the movie, there’s a character named Carlo Mancini, portrayed by Rob Delaney, who takes it upon himself to challenge Dave, the man in charge of the businesses.

In addition, it’s likely that you’ll find out that the final act of the film is similarly fabricated. Here, the character Dave travels to the United States to deliver an extradition order to Carlo, which then puts Dave’s life at risk due to threats from Carlo’s associates.

Fortunately for Dave (in the film), Def Leppard were available to secretly transport him back to the United Kingdom using their private aircraft. To clarify, this scenario is fictional and did not occur in reality.

As a devoted fan, I’ve excitedly shared that, in an interview with RadioTimes.com, the genuine Dave himself admitted venturing to the United States with the intention of taking on the payday loan companies. He subtly hinted at potential repercussions (whether they mirror those depicted in the film is yet to be revealed).

He stated that payday loans originated in America, so they pursued them aggressively there. Consequently, they turned around and targeted him. They employed underhanded tactics, and it was much like a scene from a movie, as he described.

It was crucial for us to ensure accurate reporting. We targeted payday loans, visiting the locations we believed to be their headquarters since some customers who owed money refused to answer our phone calls. I personally visited these establishments in an attempt to settle the outstanding debts, but they ignored my calls, hence my decision to go after them directly.

David H and I headed to London, full of excitement, only to find that the doors we encountered were actually cupboards with PO boxes connected to the U.S. In the end, I needed to travel to America.

I was thrilled to learn that Def Leppard actually dropped by my favorite local pub, The Talbot, to shoot the closing scene for the movie where they led a lively sing-along with the crowd. In fact, the real-life Dave, sporting a wig, can be seen casually hanging out in a corner of the pub with his wife Nicola. What a fantastic experience to have such rock legends visit our humble pub!

In the film, I make not just one, but three special appearances! You might catch me cheering from the crowd during a Burnley football match, or even as part of Carlo’s crew, where I rock a stylish goatee beard.

Dave Fishwick truly is a man of many talents.

Bank of Dave 2: The Loan Ranger is available to watch now on Netflix.

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2025-01-10 15:49