 You can now follow me on all my social media platforms to find out who my latest guest will be and don't forget to click the subscribe button and the notifications bell so you are notified for when my next podcast goes live. The big banks, without a shadow of it out, run the world. They could see me as a problem because how dare I want to give the best rate of interest to Granny and then lend to people who can't borrow and give the profit away. I'm a terrible person, obviously. Fred the Shred lost billions, but let's put Dave in prison, that sounds a good idea. It's not where you start in life, it's where you finish that council. If you can go from building a labourer at 16 to building the First No Ice Street Bank for 120 years in Britain and Netflix make a Hollywood movie about your life that hits number one, then that's a bonkers life. Now you never know when a phone call is going to change your life and you never know when that opportunity is going to come. But when it does, everybody out there, you need to grab it with both hands because them opportunities don't come every day, every week or even every year. But when they do, grab it. When you feel that sort of stress, the best thing to do is do something. Are you ever worried that they came and shot you down? Because these are big corporations that don't fuck about. If you make enough noise, not saying kill you off, but this is the kind of stuff you're dealing with if you're ruffling the feathers of people who are making bullions, trolleyons and you're coming up with an idea they could change the game. They make less money, you're a threat. Did you ever worry about that? How much a threat you'd become? I don't think you can, you can't be scared. You've got to hit it hard every day and I'm frightened of nothing and all. Boom we're on! Today's guest with David Fishwick. How are you my brother? Fabulous! Good to see you. Living the dream. What's Bank of Dave? Great, bit of comedy, bit of love, but just motivation as well. Good understanding. We're living in a world where people are all out for themselves. You seem one of the good guys. You seem the one of the ones who actually want to help people, which is an amazing thing to see there. You're going up against the big wigs though and I don't think there's not been a bank, a new bank in over 100 years here. Yeah. And you want to be one of the first to do so. So fingers crossed, but it's out in Netflix. You have too much away. It's been a smash hit. Was it number one I believe? It is, yeah. Watching that and then meeting you, he played that part to a fucking perfection, because it's a great party. Now I know your character that you can see the bubbly happy guy trying to do things right, but first and foremost, how are you? I'm fabulous. Life's gone bonkers. But I mean Rory, you're absolutely right. Rory Kinnear, he plays me better than I do. He looks more like me than I do. You know, and when I met him at first, he came onto the house because he needed to do some research, knocked on the door. I opened it, he said, Dave, meet Dave. I thought you'll do for me. Before we get into everything, Dave, I'll just go back to the start of my guess. Get a bit of understanding about you, where you grew up and how it all began. Well, let's go all at 16 years old. Absolutely useless. No qualifications whatsoever. Straight on to a building site as a builder's labourer. My mum and dad had no money. My mum was a weaver. My dad was a farm labourer. Six in the morning till two in the afternoon, and then at two o'clock he'd walk down to the local mill and he'd be a tackler there, which is somebody that fixes the looms till 10 at night. He always had two jobs, seven days a week. Mum always worked as well. I never saw my dad from one end to the other. But life was hard, but it was good. You know, I had my brother. My brother's Andrew, older than me. He's a joiner. He can nail bits of wood together like you wouldn't believe. And I'm absolutely useless. So there I was, 16 years old, on a building site. Useless. But I loved cars. I wanted to work for myself. I wanted something where I could be proud of, but I had no money. How do you start a business if you've got nothing? And that's what I did. So I thought to myself, well, if I love cars and I want to get involved in cars, but I have no money, what can you do? So I thought, well, I'll go around all the local garages and I'll see if I can find somebody that will lend me one of the old part exchange cars, James. And if I could do it up, clean it up, and then I could sell it. And the profit I could keep and the initial money I'd give back to the guy. So that's what I did. Throw a local garage on Bath Street in Nelson that let me take some of the old cars away. I did them up, cleaned them up, sold them. Used to get 20, 30 quid profit, which are a week's wages back then for me as a builders labourer. I was on the YTS scheme, youth training scheme, and you got paid £27.50 a week plus overtime. I mean, we're over three decades ago, but it doesn't matter. It wasn't a lot of money then, and it certainly isn't a great deal of money today. But that's how I got started. How was it without the father figure to then try and not necessarily be the manager of a house at such a young age, but did your mum struggle a lot with the dad not being there as well? Well, my mum, she was always working as well. And then she tried to keep the family together. My dad was always at work, but that was the only way he could make ends meet. I mean, we lived up in a two-down terraced house in Nelson that was so bad there to knock it down, but it only had an outside toilet. And back then, I lived in a community where I didn't even know people had inside toilets until I got to about 10. I didn't even know inside toilets existed. And me and my brother, as kids, we had no toys or anything, but we used to go on the tip and the local tip on Southfield Street there in Nelson. And we'd find old bits of wood and old pram wheels and we'd knock old go-karts together and get the string on for the steering. And like I said, he was a brilliant joiner now and a real craftsman. But even back then, it was good with an old nail and an old rock to bang it in with. And we used to play with a tarmac in between the rocks in the ground and the cobbles. And we used to warm it up with an old magnifying glass and turn it into plasticine. And that's what we played with. We had nothing, but we didn't know any different. See, at that age at 16, having nothing, do you think how did you have the vision to then, was there any self-made milliners around you? Did you see anybody successful that you wanted to kind of replicate a bee like? Or was it just something you had inside that you knew that was something more? I just... I remember being in a chip shop on Allam Road. That's in Nelson as well. And it's chip shop still there today. I remember being in there and I asked for a chip butter and she's cooking the chips and it was 37 pence with this chip butter and I put my hand in my pocket and remember, I was open down ladders all day with a bucket cementing each hand, you know, pebble dashing, size of factories and things. Propagraft for 27 quid a week. 37 pence weren't a small amount of money back then. I put my hand in my pocket. I pulled it out. I only have 34 pence. I was 3p short. And I thought she's cooked the chips. She's put the salt and vinegar on now. I'll just explain to her that, you know, perhaps she could take a handful of chips off the top because I'm sorry I'm 3p short knowing that she ain't going to do that because she's already put the salt and vinegar on. And do you know what she did James? She took a handful of chips off the top and I thought, do you know what? I just don't want to be poor. Because I said to her, I said, look, I'm ever so sorry, I'm just, I'm a few pence short. And she's like that and threw them in the bin. And it was a real turning point. And I remember it today and I remember the shop today. And if I ever see the shop for sale, I'm going to buy it in Saka. It's just, that was a turning point. I thought, I don't want to be poor. I have to do something. And it's not where you're starting life. It's where you finish that counts. If you can go from builders labourer at 16 to building the First No Ice Street Bank for 120 years in Britain and Netflix, Maca Hollywood movie about your life that hits number one, then that's a bonkers life. And I've lived it. So after the chip shop, what was the steps for yourself to then kick on and start to plan something? Well, I wanted to be involved in cars. I loved cars. I was 16 years old. I couldn't even drive a car. I used to drive a gal on a petrol. And like I was saying, I went round the local garages looking for somebody that would lend me a car. Something that they took in part exchange that I could do up, sell, give them the difference. And I found somewhere on Bath Street that let me do that. So I started that process. I started taking the cars away, doing them up, selling them, taking the money back up, keeping the difference until I had enough money where I learned another important lesson where if you've got enough cash up front, and I went from one car to two cars to three cars to four cars. And that went on for quite a while. I got me to sell a little car garage with half a dozen old rusty cars on it and did them up, cleaned them up, worked hard and sold them. But I was also working at night in the night clubs as a DJ very early in the morning. I'd be on the markets up in Manchester. And these are the markets that open at 3 and 4 a.m. where they sell produce to hotels and shops and all the night clubs. And it's where they get the food from. And everybody there is walking around with a pocket full of cash. So I used to get an old suitcase, a bit like Delboy. I'd have a lot of t-shirts, sweatshirts, track suits, shell suits back then. And I used to go around the market frogging to the people buying all the produce because they had maybe a couple of hundred quid, three, four, five hundred quid in cash on them and they'd be buying mushrooms and things and all sorts of veg for the hotels. And if you had a nice t-shirt or a sweatshirt and you were good at selling, you could flog them some up for a fiver or a tenner. So I'd do that until about 7 o'clock in the morning where that then showed. I'd be straight back to Nelson selling the cars. I'd sell the cars all day and then just as I was putting the gates on at 7 o'clock at night, suddenly you'd turn up for one of the cars and I'd be writing a receipt from them, counting the cash. And then I'd say to them, look I'm ever so sorry I've got a slip into the back of the porter cabinet where I'm going to put my pants on. I have another job. You know, so I'd be in the back putting my pants on combing me and add a lot more air then as well. And I'd come out, give them the keys for the car, put the gates on the garage, rest down the motorway, stretch up the steps of the nightclub. Just join us, get in here. Where else could you be? It's a Friday night through the Saturday morning. Get ready for the big one. We're going to take you all the way through. You've got DKS requests. You say it will play. And that's what I did through then until 2 in the morning. So I'll be working in the nightclub and then straight into the old car over to Manchester, back on the markets. Three jobs, seven days a week, relentless, non-stop. Hard work puts you where some good luck can find you. But without hard work I promise you, it ain't going to happen. What was the first card you bought for you when you sold them? I had an old Cavalier with the first one I bought. The guy wanted 70 quid returning. I advertised it for a hundred. I sold it for 97 quid. I had a 27 pound profit with my bad burner maths. But that were a week's wage by then. So that was the very first car. And to be honest, I went from car to car to car. I didn't want a fancy car. I didn't care about cars. I was more interested than about getting forward. I had this huge amount of drive. I lived, breathed and ate it. There is no the way. If you've got nothing there is no way than pushing forwards relentlessly. Seeing you're doing the DJing and stuff with your party and yourself, straight back to work. It was always, always about the work. It was always day and night work. Because what happened with the DJing is that money I made DJing, that kept me. So I could eat and I could pay me rent. The money for the cars and the markets were money that I could save to another car. And then something happened and I got offered a van. And the guy rang up and I remember it today with a red Astromax van. And he said to me, I've got this van for you Dave. No cars for you this way but I've got this van for you. And I thought, I don't want a van. What do I want a van for? Full of cement. You know. I mean no cars. No, no. But I thought, you know what I'll have a go. And back then vans were bought in farm yards. Old farmers would sell vans and you'd go with a pair of wellies on and you'd buy a van. They weren't like these dealer ships. Big shiny dealer ships there is all over the country today. They were old farm yards with a couple of vans in the corner. So I thought, well, I'll clean this van up. I'll make it look like a car. I'll advertise it from my little car pitch and then people don't have to stand in all the mud on the farm to buy it. So I advertised it in the auto trader. And back then we had phones about this big James and it cost a fortune to ring but you needed it because you were a car dealer and you were never in the office. So I advertised this van. The Thursday morning the auto trader come out, phone call, 6 o'clock at morning. I'm ringing about the van. I thought, yeah, yeah, van, no problem. Jumped in, got dressed, straight down to the garage, just fogged in the van. Another phone call. The van. Ringing about the van. Have you any more vans? I thought, vans. That's the future. Get rid of the cars. Let's stick with vans. So I swapped the cars for vans. One van after the other after the other. I've got really some momentum there with commercial vehicles. And that was the beginning. A few years gone by. Phone call. Minibus. Now you never know when a phone call is going to change your life and you never know when that opportunity is going to come. But when it does everybody out there you need to grab it with both hands because then opportunities don't come every day every week or even every year. But when they do grab it. Guy rang me. I've got a minibus for you Dave. I've got a minibus. 17, 18 seats. What do I want a minibus for? Have you no vans? No, no. And I thought, go on. I'll have a go. I bought the bus. Scrubbed all the seats up. Scrubbed all the inside up. Made it look like a car. Advertised it. Guess what? The bus. The bus. Ringing about the bus. Wow! And today I'm the largest supplier of minibuses in the country. So you never know when that opportunity comes. It started with just one. I had John who created Reebok. They made the show. It was doing okay. Somebody who was working on the team designed the aerobics show and he says it's a women's show. He says, we don't know the first thing about aerobics. He rejected it. He didn't want it. And then the guy came back and said, please believe me. Trust me. He ended up giving in and he created 200 of them. He says, we'll try it. It sold out in a day. And within a year it changed the idea. It changed the game. It took overnight with the aerobics show. It went massive in America. The material was shit as well. They were bursting easy. But people were just buying a new pair. They loved them. And it changed the game for them. Unbelievable how that one idea. Did you know that phone call will seem you talk about people it's grabbing that idea? Because things have happened when I've gone through my journey now. The risk and it paid off. Was there a moment, did you know that phone call was the game changer or was it just you always wanted to take the risk? Just keep going. Calculated risks. That's the key. Calculated risk. If it looks like a good idea jump in with both feet and grab it. Because you never know which one's going to work. But if you try a load of them I promise you one of them will. If you don't try it then nothing will. You know, if a lad from Burnley with no qualifications who sells buses can build a bank. Then anybody can do anything. And that is what I try and tell people. Because we went from bus to bus to bus and lots of buses and then back then you could buy a house in Nelson and Burnley for four or five grand James. So when I had some spare money rather than going buy myself a fancy car I go buy a house. And because I've been working on the building sites I know to do a house up. So I do it up and rent it out. And I've still got a lot of them today. And you just don't know which one's going to work out for you. But if you get stuck in confidence, self-belief and nobody's born with confidence. You know, nobody. I was bullied terribly at school. I had to learn to fight back. There's nobody out there that gets up in the morning and thinks I'm confident. You've just got to go at it and fake it first. And then you're confident. I remember going into car dealership. True story. I've never spoke about this. I remember going into car dealerships when I was a kid and I didn't have the money to buy fancy cars. But back then everything was bought in cash. So what I did is I took let me just use this as an example. Let me use that as an example. So I took newspaper. Folded newspaper up and cut it. So it was thicker. So let's see. I've still got a few quid on me. So, receipts, anything. Newspaper, whatever you've got I'm using that as a tissue because we've no newspaper here. And that looks like there's five or six hundred quid. They're nearly a gram. And there's a couple of hundred quid. So you'd never get down to the newspaper. You always made sure you were peeling 20s off and always left just 120 before you got to the newspaper. But fake it until you make it. Because I walk in there, look at this. I've no problem paying for cars. He can buy any car that we've got in. Get everything. Yeah, he's got the money to pay. Boom, boom, boom, boom, boom. Just let the rest of it back in my pocket. And there were just 20 quid left. I'm just hoping it's not 20 quid more or else they find out there's a lot of newspaper there instead of money. How much is winging it and leaf important? When you've got note. When you start with note and you've got no qualifications and you've got nothing going for you whatsoever. There's only one way and that's up. So just keep making it happen every day. Get up. And it's okay to go to bed at night and think, do you know what? I've made a mistake today. Why did I do that? Mistakes are okay. As long as you get up tomorrow morning and you think to yourself, do you know what? I'm going to make sure I don't make that same mistake again. Because the chains of habit are too light to be felt until they're too strong to be broken. How many hours a day were you working? How many hours a day were you sleeping? You know, I was sleeping in the back of the car. I'd come from Manchester in the markets. I'd pull into a motorway car park and I'd have two or three hours sleep. You know, and then I'd drive back to the garage and lift the gates back off. Yeah, I've had Alfie Bearstones who's a very successful and wealthy man now. But he says the sacrifice that come with the vision the hustle to make something of your life to have that dream to accomplish everything even kids how much sacrifice did you put in away from the other stuff that other people think is a normal life but to then get to the high calibre end of the level you were at, Alfie's at how much sacrifice comes with that lifestyle? Well, there's a huge amount of sacrifice. You know, you are going to work hard. I'm not going to come on this podcast today and say to you, look, there's an easy way we can do this. This is going to be really easy. I'm going to tell you how to do something tomorrow morning and you're going to be rich. That ain't going to happen. You're going to get up tomorrow morning. You're going to get up early and you're going to work really, really hard for the next few years and then you'll start to see some huge results. And when you start to see results you can then set yourself some goals. Once you've set them goals you can set some achievable ones in the interim and then some long term goals and then you can reverse engineer how you get to them and then press the sat nav button and set off. What was it like when you made your first million? I've been asked that before and it's an interesting question because I didn't actually see it. There wasn't a time when I said, right, okay, that's a million, that's 999,000 tomorrow there's another pound, that's a million. You don't see it like that. You have property. You have land, your vehicles and you look round and one day you just look round and think, if I had all that up I've got more than a million quid because things have gone up in price. Land's gone up in price. I bought a farm for 130 grand with 10 acres that three and a half, four years later it was 500,000 quid. I sold it for half a million. So then suddenly you're into half a million and then half a million turns to three-quarters of a million and then a million. I think luck does play a part but hard work puts you where that good luck can find you. You know, if you work hard you get a good idea and you keep going at it and you keep trying different things, something will work for you. What was it like with the losses? Losing money or losing money on a vehicle like how did, how was that? Did you rebound and work harder after that? Because a lot of people now we're living in a very weak generation I believe around David people quit too easy as soon as they get the first loss or as soon as they hit the first obstacle they're done. They don't want to go anymore. How did you handle that? How did you handle rejection? Not having that much money, having to put paper in your money to try and pretend that you had more. Like it's all games it's just a big fucking game. It is, it's all games. It's a bit like Monopoly everything goes back in the box in the end. I promise you you ain't taking it with you. How did you handle the rejection or the loss? I remember being at the side of a motorway and I just bought a van from the auction and I knew as soon as I walked towards this bus I thought it was too cheap it was just too cheap. There's going to be something wrong with it and I looked through the glass as I walked towards the auction car park I'd watched it go through, I bought it but I'd not looked inside and there it were the nemesis it were an automatic gearbox which doesn't sound that bad but when these older vehicles back then an automatic gearbox you just knew it weren't going to be a good one you knew it were old and it weren't going to work and it were going to cost thousands to fix itself and be more than what the bus were and then you just spent your last three grand on it so you were driving it down the motorway just hoping against hope that it wouldn't be a problem and there it was, smoke started coming out pulling to the side of the motorway and you sat there with your head in your hands thinking I've just spent the last three grand on this big four or five ton lump of scrap and people coming past you and you're just willing, just willing somebody to pull in and drag you back to the garage because you've got nowhere getting back and you're just hoping and then you just think you know what pick yourself up and there's a lesson that we can maybe teach here because when you're feeling that sort of stress and there are lots of people that are watching your podcasts all over the world who are suffering stress when you feel that sort of stress the best thing to do is do something don't just sit there and think do you know what, it's stressful I find that if I just do one thing in other words if I think right I'm going to stand up and I'm going to walk down the hard shoulder with this motorway I'm going to go to a garage I'm going to borrow a rope I'm going to make a phone call and then I'm going to get somebody to come I'm going to drag this thing back and I'm going to find a way to sell it and that's what I did but stress goes immediately you're doing something if you sit there and think about the stress it won't go if you just think right I'm going to make a phone call just do anything, a tiny tiny thing it doesn't matter, you'll feel the stress start to ease off because you start to fix in the problem it's only when you stay in bed or you sit in the chair and you think oh shit the stress I promise you will go the minute you make that first phone call or the minute you stand up walk down the hard shoulder make it happen I'm going through the ranks in the miniboss kinder game and you started who was your main competitor then? I had loads of competitors all over the country were competitors I see that as competition I think competitors is healthier I used to look up and you can use this with any business you're doing I'm the mail online business doctor and I get a lot of people writing into me saying Dave what do you think about this problem starting this business or I want to get into that and I said to people look at what your competitors are doing don't try and reinvent the wheel it goes around brilliantly watch what they're doing and steal the ideas if you want to open a pub go to your local pub that's the busiest get a job there at night working a few hours look what beers they sell best look what food sells best look where they get things from look what entertainment is the best what nights is entertainment what's the most tickets what works best the deco of these big organisations that have been done by some architect costing thousands of pounds just take pictures of it and borrow the ideas and then set up in whatever business you're going to do and you'll find your miles in front of where you were if you hadn't done that success leaves closed it's great to look at other people and go what are they doing success where you sense that what are the tools and techniques did you read any books or not get any knowledge about this or did you just learn it through Ronas I just learnt it through making mistakes everything I've done is usually a mistake and if you don't make mistakes you're not trying hard enough just watch what's going on around you if you had a silver bullet why would you fire it what's it doing different to you and why are you doing it better that is the thing just look what's going on around you the answers are all there for free these big agencies that go out there and they find people and they charge you a fortune to bring you somebody from somewhere all they're doing is nicking somebody from one of your competitors you can do that yourself on social media that guy's brilliant paying more than he's getting paid treat him well look after him how you'd want to be treated if the shoe was on the foot the guy's never going to leave you how many bosses you got new over the years what if I sold over the years tens and tens and tens of thousands over the years you know I've sold but the minibus business is a small part of what I do now my biggest business is in America I have an investment company in America for nearly 15 years not many people know about it it started off fairly small and I'm self-taught there again if I build his labourer I can teach himself the investment world and build a big business multi-multi-million dollar business from just watching and learning then anybody can and that's the biggest business I've got by far see this is what it's all about it's to show people that anybody can be their male, female, no matter some of the most successful people I've interviewed are fucking dyslexic they can't read, they can't write just through knowledge and understanding and the main thing in reading that I've picked up is understanding of people their presentation, how they react to people their people skills has got to be being a salesman, you know yourself your people skills have got to be top-notch see when you're going and you've got the minibuses and you're doing everything now you've got the businesses in America I've got the Bank of Dev I've got the only savings and loans I've got the media company I write books, I work for newspapers I fly planes I've got a pelain licence I've got a helicopter licence we're now into movies, I make television programs I've been incredibly lucky I've been nominated for three BAFTAs I've won two BAFTAs I've got a Royal Telvin Society award I've six broadcast awards I've a Sunday Towns Best Selling book I've never been to a business school and this is the thing about schools and businesses you know, business teachers teach business to kids and young people right, I get young people to come up to the local library and burn the upstairs where nobody knows it's me they come up and they ask real questions and I answer them the thing about business teachers are a lot of them most of them, 99% have never actually run a business, it's a bit like getting in an airplane with somebody that's read all the books watched all the DVDs but never actually took off if you've done it for real at the call for this you can teach it and that's something I enjoy doing now I go and do, I get paid a fortune to talk around the world big conferences to people and that's fine, that's work but then I'll go to a school and I'll do it for free because you can get to somebody young enough maybe there's a few daves in there and they'll just say, do you know what if you do this and do that then that's sciving you did or them qualifications you didn't get, don't worry about it there's another way when are you happy Steve? when I'm flying when I get really fed up like I say, I fly helicopter I've got a jet helicopter at home and when I get really fed up I'll pull it out the aircraft hangar and I'll just go and sit on the cloud somewhere by myself and it'll kill me from the minute I switch it on I've been flying it for 20 odd years I've got a big TikTok aviation site it's the fastest growing aviation site in the world with 50 odd million views and I only did that for a bit of fun and I'm at the happiest when I'm flying I go up there into the sky and I sit on a cloud and because the thing's trying to kill me it literally is trying to kill you from the minute you switch it on you can't think about anything else so your mind completely clears of everything and I bring the speed of the helicopter to the speed of the cloud and I almost sit the helicopter on the cloud and then I'll drop the collective lever which then pulls the helicopter down through the cloud and it like washes everything away and I've been flying for 20 odd years and that never gets old that's when you're in the present moment that now, is that the only time your brain switches off? I've got a brain that unfortunately it doesn't switch off it's like a Rubik's Cube in your head that's going round and round and round in different directions and it's trying to fix the Rubik's Cube so somebody will give me a problem and I'll fix it in my head and I won't be able to settle until it's fixed and I've tried lots and lots of times not to think about things but it won't work it won't stop what it does do is allow you to have lots of things allow you to have money but it gives you a huge downside you never ever settle unless I'm flying I'm thinking if I asked Alfie best the question as well that would you ever retire and he says no he says why would I he says it's pointless I have known people who quit smoking or quit drinking and die like two weeks later or months later that my mum's the same she's a non-stop worker non-stop and I don't think she'll ever slow down I just think it's in her blood that you'll never stop I don't think I can stop my dad worked until his very last dying day I remember my dad on the day he passed away he was in hospital and I was I was sat with him and we knew it was bad he knew for a while he was going and that day I had to do a talk I'd be booked to do a talk at a big place in Manchester and I just I said to my dad I said I'll just have to cancel it they'll understand you're dying and he said son go and do your job go and do your job and I went and did it as fast as I could I did the talk as fast as I could and I did what I needed to do and I came straight back and he was still with us while I came back and he passed away that night and that was my dad go and do your job son and that work ethic and that demon drive if it's in you it can't be released so rather than look at it as a negative look at it as a positive well do you know now I've got the money I need and I've got all the things that I need and cars and aircraft anything I want I've got but what I can do now is I can do things like this with people like yourself I can build a career now where we can help other people and get them to follow their dreams encourage to follow their dreams and if you can give advice and I give for free you know I don't charge anything anywhere for advice the thing I do for the mail online I do for free I do cars is the right thing to do and a lot of wealthy people climb up a tree and pull the ladder up they're frightened to death of anybody knowing anything but if you've learnt some things throughout your life the art way why not pass it on don't make any difference to me you know my children a frontline police officer the other one works for animals and works with animals you know they have all they need I have what I need my wife I've been together for nearly 30 years and she was one of those at the beginning when I did break down on the side of the road she'd be the one in front with a rope and a car dragging me sideways in the snow up a hill to get back you know so now we've got all the things we need why not why not make a life about giving back and looking at how you can help other people who want to help themselves how hard does that look you've just 5 minutes till you've rained off 20 amazing things that you're doing in life no matter how much money you have when you lose a loved one how much does that affect you immeasurably but I feel that without that drive from him originally then I wouldn't be where I am today so I've got two grandchildren now two boys very young and I can see my dad in him both and one absolutely mirror images him he's like he's come back to watch to see what the next chapter was you know so you don't want you never know what's around that next corner but make sure you're there to open the door to have a look they must have been proud of you from nothing being bullied at school to then being a multi-millionaire love by many like they must have been proud did you feel that or did you ever feel that you're on because you're living that life it might not seem as big as important I don't know but when you're doing it do you get did you feel the love I'm proud of you because I know dads are strict but my dad was quite strict I know he loved us if he had a couple of beers I would tell us he would see the sensitive side but when you start doing things like it's not that you want to pat on the back but did you feel the love I know my dad loved me and there were no doubt about it but he wasn't that sort of guy he was old school you get up, you go to work you provide a living for your family and you put a roof over your head and he my great-grandfather was a rag and bone man so he don't get any more from rags to riches to that my grandfather was in the war a military my dad was in the mills and the farms and so we there were no lawyers there were no doctors, there were no solicitors there were no education there they were just hard work how important is it to have a good woman in your corner because I know now you hear masculine energy, feminine energy and people say boss lady, boss man but I believe fat old school models I believe in a life I believe if you've got the right person behind you who can pick your spirits up when you're feeling down and having those bad days I believe a good partnership that's what it is as well, it's not just about loving all the fancies relationships are tough if we're honest enough but how important is it to have somebody by your side for long to understand you also I think it's probably on a par with the most important thing if you find a soul mate a partner and I'm incredibly lucky my Nikki, she was a bioscientist and she cut cancer up for a living, that's what she did and she's so clever and so smart and I don't, as you know I ain't got qualification to my name so lucky I met her in a nightclub and she came over to me saying that we're playing crap records so I let her look in I let her look in my record box and I don't let I don't let everybody look in my record box and that's how we met she'd come up from Wales, she's a Welsh girl and she'd come up from Wales to Burnley to assist us my girlfriend's Welsh they're a breed of their own crazy bastard, so she has her own family I know our mum will be watching this mate she's just bad a couple of fucking crackpots the kind that got on grip what this quarter is she in Wales it's kind of similarities there but as she wills, yeah you'll understand the madness and I remember when she come to the garage for the first time you know when I had that little car garage in Nelson and all them old cars I had she turned up in this new Citroen and that were a works car and I thought, whoa look at that Citroen diesel brand new and I opened the bonnet of this Citroen diesel and the thing that clenched it for me it had this big diesel battery so I got my jump leads out at Porta Cabin and I put my jump leads on this brand new car she's thinking, what are you doing, what are you doing I'm putting the jump leads on this and I could jump lead every single car on my car pitch of that diesel battery because none of my cars would start they all had old batteries on so this Citroen diesel car jump-leaded every car and that's what clenched it that's why I stayed with her so ladies out there watching this podcast get yourself a good diesel battery that's how to get yourself a fella do you think it's important as well that she was with you before you blew up because you know now man it's riffless out there Dave do you know what I mean I wouldn't like to be out in the wild now because it seems to have changed with social media and stuff is it a good thing as well that she knew you for who you were really important because she was there in the dark nights, when the snowing toying me up hills ropes snapping, me going backwards engines not running I'm going down the S-bends backwards and she's panicking like mad and you know she was there helping when nobody else were so she's entitled to have the things she's got she has horses, she has competition horses she does dressage but she's still really grounded she's come in from somewhere where like yesterday I was with Michael Ball on his radio show and I was with the guys from Simply Red and I'll go from there and I was with the Prime Minister last week and he was talking about me on Prime Minister's questions or I'll be with Hugh Bonneville all these different people and I come home and I say oh I met so and so she'll say never mind all that nonsense she'll crash or cottage pie feed tea and she'll ground you immediately she doesn't care about fame she doesn't care about money because she knows if we lost it all tomorrow that I'd go to work and I'd get it back but that's true love then isn't it yeah and it's really important finding a good spouse finding a good partner is so so important and there's another thing that's really important communication skills if you're leaving school leaving college wanting to get a different job getting the best communication skills you can get is the most important thing in the world if you can learn to communicate better you will increase your value by a minimum of 50% and probably 100% you can go on a Dale Carnegie course you can learn to be confident you can fake confidence until you get better at it but confidence, self-belief drive and communication and surrounding yourself with good people if the people that's watching this today if you're a school college university working somewhere whatever you're doing, whatever age you are look round the room and get yourself a piece of paper and a pencil and write down the people you admire in that room and write down why you admire them is that person on time are they punctual, do they help out at work do they help you with problems do they help people do they want to be part of a team do they come up with ideas are they just an all round good egg and then also look round the room at the people that you don't admire and what are the things, what are the traits that you don't admire are they late all the time do they tell lies, do they not want to help out are they last to come to the party are they last to throw their their ideas in the pot are they always trying to back stab and write them things down and then look at the things you admire and do more of those and make sure the ones that you don't admire make sure you don't have any of those or as little of those as possible and you will find yourself going towards that and it really does work yeah how do you find a good team to build because you need a team around you to build something major like how do you learn because I wouldn't say I struggle with trust as much as I used to as I'm getting older I'm starting to learn you've got to take more risks and you've got to give people a little bit of trust and when you actually start doing that you start learning that people aren't as crooked and bad and as evils what a fuss for you're going to get risks, you're going to get people to take the piss, we get it but how do you build a good team and network and how important is it to create some to have that to create something special people are everything surround yourself with good people and good things will happen, surround yourself with the opposite and the opposite will happen I promise you, over the years I've got people that's worked for me who are in the 60s and 70s and I've got people that's worked for me in the 20s and what I try and do is put them both together so somebody in the 20s who's fantastic with IT skills and social media skills and computer skills and texting and then I'll put them with somebody like old Pete who were in his 70s and he had the best communication skills ever he'd get somebody to come into his office and they'd sit down and they'd be wanting to buy a boss or a van and they'd sit down with him and they'd go across the road and I'd get them a bacon butty from the cafe and they'd come back and he'd drink tea and he'd be with them nearly an hour talking about everything except a van and a minibus and then he'd be the friend and then he'd find out what they wanted to buy and then if we didn't have it, he'd find it for them and they'd wait for him because everybody wants to buy something from a friend and then communication skills are amazing so that young guy then gets put with Pete who can't use a computer so Pete then learns of the young guy about computer skills talking me wrong, he's never going to be an IT genius but he starts learning now to email his new friends and then this guy here or later then learns about communication skills What makes a good salesman? Er long after the price has forgotten the service will be remembered look after people if you was going to buy that product from them what would you want? Go above and beyond it will give you a huge dividends for example, if we sell a bus to somebody and they have a problem we will go to the end of the earth to fix it if they're right they ring up with a good attitude no problem we will come up there we will lend you something we will fix it, we will bring it back and we will go above and beyond that's how you get a good name go above and beyond See when you started becoming successful see when you started ticking all the boxes kind of living your dream how did the bank of Dave come about was that always a plan in your mind what was the vision behind that Late 2008, early 2009 wanting finance for the buses as they had done for many years in the past and I used to just fill the forms in my guys had filled the forms in for them we'd send them off to the local bank or the bank of wherever they lived and we'd get the money for the bus from the bank they'd take the bus away, thank you very much overnight the banks just stopped lending and I thought have they done something wrong have they gone to CCJ have they not paid a bill have they moved out without telling anybody and you know what, they'd not done anything wrong it was the problem of the high street bank the banks had just stopped lending and I thought well if they stopped lending then either I stopped selling buses which would be a problem if I believe these people and I understand what they buy and of course they do, I built the bus and I understand what they're going to do with it they're going to pick kids up in the morning from school they may be going to a stag night, that night they're going to take people to the races I understand what they're going to do with it I learned some money to pay me back so I lent them the money they paid me back and I thought this bank in Malarkey it's not that difficult so then I thought well maybe I can help other businesses not just the bus side of things so that's what I did I started to lend to other businesses and I thought this works and that's how it all started that's how I got the idea did you have any guarantees you would get the money back from people, was it paperwork, was it contracts or was it a handshake well at the very very beginning it was a handshake and then we got paperwork and then we started but surely to put the finance operation together and to start and set it up but it's an incredibly difficult process it costs a fortune the big banks disliked me with a passion because what I wanted to do James is I wanted to lend to people who couldn't borrow from the high street bank through no fault of their own I also wanted to help people get the best rate of interest on the high street so I thought if I get granny who's got pension money or have got life savings I need to make sure that we give them the best rate we then take that money lend it to people and businesses who can't borrow from the bank I stand in the middle and make sure if anybody doesn't pay I will take that loan on and then the profit we pay the overheads and give the difference to charity it can't be that difficult a bloody nightmare to do it really is really difficult because there's so many people don't want that sort of finance operation when was because you're going against the big wigs I believe personally you're going against the people who control the world the people who control the banking system the big families that but see when you started doing that what was the first obstacle you came to so the first obstacle really were regulation the big banks run the regulation they decide what regulation they run the world the big banks, shadow without run the world they could see me as a problem because how dare I want to give the best rate of interest to granny and then lend to people who can't borrow and give the profit away I'm a terrible person obviously Fred the Shred lost billions but let's put Dave in prison that sounds like a good idea but I always knew I remember Coronation Street with Deirdre Deirdre Barlow and when Deirdre we got put in prison it was like free Deirdre yeah there was things out in A4T yeah black crib was it black coot over that's right and it'd be like free Dave because I thought well if you're going to do that get on and do it because I've done nothing wrong and if you've got the moral eye ground they've got nowhere to go and the press got behind me they were wonderful the TV the media the press we met the documentaries and that's what started be down the career of media were you ever worried that they came and shut you down because these are big corporations that don't fuck about if you make enough noise not saying kill you off but this is the kind of stuff you're dealing with if you're ruffling the feathers of people who are making billions trillions and you're coming up with an idea that could change the game they make less money you're a threat did you ever worry about that how much a threat you'd become I don't think you can you can't be scared you've got to hit it hard every day and I'm frightened and nothing unknown it's just you've got to have the attitude if you're doing the right thing then just keep going when going through hell keep going because the minute they have the inkling that you're scared then they'll just jump all over you you cannot let them win if you know you're doing the right thing then go all the way and you will go further than they will they're not doing the right thing they tried to buy me out one of the big edge funds tried to buy me out they said how much money do you want for the place and I said I don't want to sell it no no we can help you build it into this massive multi hundred million billion thing operation this this this and we can sell it in five years I said I don't want to sell it and they said well watch your out I said what do you mean now he said well when are you going to get rid of it I said never I said well you be dead I said well I hope not but it might be but it's not for sale and these big banking financial institutions cannot get the fact that I don't want to sell it it's not for sale at any price and they just don't get that because they're used to people just writing numbers down and giving them yeah but people are all out for the money you see it about for the kindness the goodness and keeping your soul clean which is whole purpose like you say I'm talking box like see when like how does it work so if somebody came at me and wanted a grand I give them a grand like as a certain limit you can get back as a certain minute say look I'll give you a grand give my 1100 back like would that be done for money laundering would I get done for like I don't know how does it work without licenses you just can't do it you cannot do it without licenses I've got loads of licenses for different things that we do there's a huge sense of the powers that they don't want you to have a financial institution I believe community banks are needed run by the community to benefit the community you know the shutting banks left right and centre I mean this week we've got a bank gone boss this morning and HSBC have a give a pound for it this morning now I will double their their offer for that bank today I'll give two quid for it but they will not take it you know HSBC have just bought out the problem bank but it shows that the problems are still there they're just as bad as they were before if not worse now than they were 10 years ago nothing's changed we're going to see a whole world of problems again and the one in America that's got sort of tentacles into Britain as well the bank that's gone today I just said you know if you can buy a bank for a pound then I should have saved myself 10 years and millions and millions of pounds as you just bought one but the amount of problems that's in that bank is unbelievable and this is just scratching the tip of the iceberg big bankers say that if we don't give them 30, 40, 50 million dollar pound bonuses then they're going to leave and go back to America I said to them get yourself gone best place for you you know because when you've got kids around the corner like the early savings and loans banker Dave we've just give to some kids who wrote to me saying the kids are starving there's anything you can do Dave they're coming to school hungry we want to buy these big industrial toasting machines and we want to buy a load of food for them so we bought a year supply of food for the school and we bought all these machines and the kids now are coming to school and eating I've got them on one side of it and then I've got the food bank there just around the corner from banker Dave the church food bank who cannot get milk from anywhere they can get cereals from the big supermarkets but not milk I bought a year supply of milk for them when you've got food banks and schools where kids are coming to school starving and then you've got these big banks saying that you've got to pay us 30, 40, 50 million or you know we're not going to be able to operate with these people to disappear the two scales are so wrong you cannot have kids starving and then pay somebody 50 million that's just wrong yeah but greed makes the world go round there's so much greed even through all the shit with the lockdowns and stuff there it was the richer I got richer and the poorer I got poorer do you see a big recession coming do you see darker days coming I think a recession will come of sorts it's not going to be as big as people think it's going to be we're printing our way out of it money-wise we'll just carry on printing money that seems to be the thing that works and paperwork gets moved around and money gets printed I think we need a net for people to fall on I think if you could provide a net if you could take something off these big corporate companies like the banks like the energy companies people have got two jumpers on they can't afford to turn the gas fire on at home but yet the energy firms are making billions in profits more than they've ever made before and I'm not political I don't care who's in I'm bipartisan as long as you're ever going to be in it's going to do it for the right reasons it's going to do some good it's a crazy game out there people are struggling people can't put their heating on people can't put food in the table kids are going to school hungry how's that work people going to the church for a bag of food but yet on the other side of the thing you've got people saying you're going to have to pay 50 million the food banks I've done a homeless documentary with information that we're getting friends with the first ones to force supermarkets and restaurants to give away food to homeless food banks because right now food banks are at an all time high people are struggling people with two jobs that still need to go to food banks it's just crazy times that we're in so interest rate for a bank and interest rate for a bank a day what's the difference well we lend to people who can't borrow the deepest interest rates by any stretch of the imagination I made a program about payday loans that won a Roll Terms in Society Award called the Lawn Ranger and I took on the payday loan industry and I got one guy shut down they were charging 5,500% APR and I saved some people in Scotland actually from really getting really sucked into it but yeah the problems I saw were incredible so I thought something needs to be in the middle there that stops people going to payday loans so we tried to do that sort of lending we lend it so anything from 4% up to like 12% where the next thing after me is 5,000% you know but people can borrow off me so if somebody goes on my website and fills in the forms and wants to buy a truck for work or they want to buy a wagon or they want to buy a forklift truck or they want to buy a car to get them working or whatever they can go online anywhere in the country and if their credit rating is decent we will get them financed from one of our partners that we team up with that give the law raise 2, 3, 4% so if somebody can get it we'll get them the lowest one if somebody can't get it we'll try with people who will give a little bit more and then once people get to a certain amount with us and they've built the credit rating back up a lot of the time they can then swap back to normal finance which is that's the future of people's credit ratings I don't care there's no fee for not finishing a loan with us as long as you've paid your payments up to when you go that's fine good luck to you it's hard the credit rating because I was a bad gambler back in the day and I fucked everything phone balls everything I'm building my credit back now everything's clean I'm doing the right things but I know how hard it is to build credit that you've done years ago even with credit cards I had to get phone contracts I had to get shitty contracts I had to get credit cards with interest rates so high but listen it all helps building the credit and trying to build a better life for yourself see when you start see when you do all that then Dave and life's going great and you're doing the bank of Dave you're doing the right things see in the film that says you get charged they threw a charge in because if you get a criminal record you can't have a bank like that how real is that they did try and take me to court they did try a lot of dirty tricks you know the big banks tried some very dirty tricks they were sent investigative journalists they sent people to my house they did some bad things to me they were trying everything to get rid of me because I wasn't the right sort of chap as Hugh Bonneville says brilliantly Dave's not the right sort of chap he's not been to Oxford or Cambridge he's not qualifications and his parents worked in a mill so what they worked hard you know it's crazy how controlled the world is when you go into the conspiracy if you look at the deep route and the kind of I don't really want to get into that it's not for the conversation but you know how dark it is how whoever's up there pulling the strings like that is fucking you they've tasted it because you're such a good guy the journalists would have found somebody in the street would have found somebody put it on the front pages how many newspapers for over a decade of everything telling newspapers here in abroad, films, movies if I had done something bad they'd know about it, they tried I haven't nobody's a saint but I tend to think that life gives you the reputation you deserve but first you can do daft things as a kid but as you get older you get the reputation you deserve if you do the right thing you will go down in history as doing the right thing you know and if you do what I was saying earlier about you surround yourself with good people you pick up the things that the people around you you admire, pick up their traits do more of that and less of the other and you'll find over time that you'll become a good person that will end up doing alright in life and you don't have to go on Star Bank if Bank of Day of the Movie inspires people not necessarily to open a bank or a financial institution it just inspires you tomorrow morning to get up and have a look at a new job maybe go for promotion maybe get a pay rise maybe start a family, maybe you want to start a little business maybe you want to get a pub maybe you want to start a cafe fantastic, if that inspires you to do that then we've won How many banks are in the UK 344 or something or over 300? There's thousands of banks in the UK you know what there's two a day closing close this morning and one close this afternoon closing the branches So how do you then get the foot in the door how do you then make this possible because it already seems there but how does it then, what are the next steps then are you already there? I'm not all the way with the licence we applied officially in 2017 stroke 2018 we were slowed down a bit with Brexit because the rules changed now we're not in Europe anymore so the banking rules changed so then we had to start again and then Covid came we slowed us down a little bit but this is a point, the big banks furloughed all their staff or lots of their staff they also took a fortune off the government they also got a fortune off the taxpayer they took cash from all these different allowances that they were allowed to take it from Burnley savings and loans didn't furlough a single person, didn't take a penny in benefits, didn't take a penny off the government, wasn't asked we didn't ask for a penny and we didn't get a penny we carried on operating all the way through proving that we are fitting proper people to run a financial institution and David Age, David Encho, my right-hand man and all the team there every single one of them kept working we worked from home, we've got all the cloud securities things in place but David says something important every day you finish you fill a pad in with a pencil and a piece of paper and then we put that in the safe because that pad won't crash no matter whatever else happens we've got paper back up for every single deal that we've ever done and that's important what do you need to get a license? about 50 million quid and about 10 years of your life and you nobody's ever done it it's impossible, I mean there is some digital licenses out there but there's not, nobody's actually opened a high street bank tomorrow the only one that did is owned by the Americans and the only British high street bank in the running at the minute that's trying to open on the high street you've never seen this a wonderful life yeah, few times some people have said that the bank a day of Netflix movies very similar to that yeah, you can see the resemblance it's one of the greatest films of all time from a man who just tried to do the right thing the old man and the bank and of course the road kept trying to shut him down and he never ever bent it just stayed going do you feel as if it will come into existence? yeah, of course it will and when I get it, I've got all the licenses to do what I'm doing today when I get it, I might just hang it on the wall I don't even use it but just get it, put it there I've got nothing to prove to nobody I've been incredibly lucky I've been blessed in life with so many things that if it all went from where I've had a really good run and if we can pass a few things on and I said to people in life there's four big rules in life and rule number one is never lose money rule number two is never forget rule number one and rule number three and four the most important out of all of them rule number three is never give up and rule number four the most important one of all is everybody that's watching and listening to your podcast rule number four is never ever give up and if you do that, you'll succeed see when you've got the Netflix films out you've got the books you're in all the TV stations more than Terry, I've never seen somebody that's been on so much more than Terry as yourself does that damage your chances of getting the license for the bank or does it enhance that? well to a certain degree you need media to be protected for me to be protected I need to be in the media just in case the big banks or the big organizations come for me you need to have a certain amount of media coverage I met the guy in the documentary because next Friday Friday the 24th the Netflix documentaries out which is exactly what I did in the Bank of Dave so it assures the actual documentaries what led up to the Bank of Dave movie they've been remastered they've been digitized they're in 4K there's been some things added to it and we're really excited about that that's actual the team and what happened for real so that'll get sent to everybody that's watched the movie on the platform and anybody that hasn't watched the movie can watch the documentary and then perhaps watch the movie after if they want to but anybody that's got Netflix on the 24th of March will be able to watch the actual documentary series why did they not release that before the film I don't know in a way I'm glad they didn't because the movie there's a lot of people that watch movies that don't watch documentaries there's more people watch movies than anything else so if you've watched a movie about something and you've enjoyed it we were so lucky it hit number one the people that've watched it now might want to watch the documentary so that's really cool that it's got an audience now that maybe it might not have had the same audience before Netflix have been wonderful to work with they really are cool you know when I said to them I want the premiere to be in Burnley it's the first premiere ever held outside London in history there's never ever been a movie premiere outside London there's never been a movie premiere in Burnley but that didn't take a lot of googling to find out and all these people came up from Netflix you know from all over and the stars came from the movie and the local people that took part in the movie were there and everybody from Burnley Savingslongs and all the people who've helped and the businesses all came and the local butchers there He's made us a pie special pie and peas for the movie it was just really special really really special I turned up in one of my busses you know and it was just really cool and it made headlines all over the world that this premiere it was in Burnley centre of the universe and I just that was a big proud moment when everybody were there and my friends and family and were there and I just thought you know what that's cool what was your plug this moment one of my most surreal moments is definitely when we were filming Death Leopard when we called them to ask them to be in it and they said yes I just thought wow and they flew over especially to film the concert and I remember being in the studio with them filming part of the concert and I'm looking up at this screen that had been put up for the blue that they do the special effects on and Death Leopard were there for real on the stage and I just had a chat to them and there they were they walking through the through the studio and up onto this thing and then Rory who plays me in the movie out of Bond Rory Kinnear he stood up onto the stage with them and started singing with them and I just looked at that thinking wow you know that's not just happened that was very surreal one of the proudest moments has to be family and friends I love being around family and friends I love the Banker Day of Deal I would never ever sell it under any circumstances ever there's no money there's not in the number ever and he has to stand there forever after I've gone my money will be left in perpetuity to be able to fund the charities and the business forever so it lives on forever to show that if you put your mind to it you can do anything How did the movie come about Dave? I got a phone call about two years ago from a guy called Piers Ashworth who wrote Mission Impossible for Tom Cruise he was the writer and he was out having dinner in Hollywood with the guy that voiced over the original Banker Dave documentary series which is coming out on the 24th and this voice over guy and he's got really big in the world of voiceovers and he's a big star out there with it now on all the big movies and films so they're having dinner and Piers said to him looking for a feel good movie from Britain do you know anybody? and he said yeah Dave and he said Dave who? what do you mean Dave who? Dave from Burnley so he got me books he got me documentaries and watched them and he watched all the programs that I've made before he contacted me he'd done his own work properly and he rang me and he said man Piers Ashworth I met Hollywood movies and I'd like to make a movie about your life and I said well you'd better get yourself to Burnley again and let's have a chat you know and that's how it all started I'm surprised I never got Tom Cruise to play your part Dave well do you know what? he's friends with Tom you know could we get Tom to play me but he did say that it just looked too alike because me and Tom are like that and it just looked too like me so we needed to get somebody that that didn't just because me and Tom are like twins but he did flick through his phone press T and Tom Cruise come up on a telephone number and that's cool to have Tom Cruise in your phone and then mine rang and it went miss his F winging that I was late back to earth fast how was it watched to me because it's a great actor the girl from After Life Joe Hartley she's wonderful and she's lovely she was talking to us yesterday she's lovely and she stayed in touch with Nicky and they've become friends she's lovely she's done loads of movies and obviously a lot of things with Ricky Gervais and then you've got Phoebe Denever the leading leader who out Bridgeton Netflix's biggest hit with 400 million views she flew in specially from LA to Burnley that day into Manchester airport with picture open she went straight to Burnley market where we were filming so one minute she's in LA on the set of Bridgeton the next thing she's in Burnley market having a chip butty with me so I think that that were a bit of a culture shock but she was great fun and Hugh Bonneville and I knew to be in the mover and our lovely story here I was at an awards getting an award a very lucky a TV award for one of my documentaries and I was at the bar after and Nicky and I were having a drink and Hugh Bonneville walking towards us and I thought he's coming towards us coming towards us and I said to Nicky I said that's Hugh Bonneville from all the big movies and he came up to me and said I'm Hugh and I'm an actor would you mind terribly if I had my picture took with you and I thought wow so I had my picture took with him and from that day we become friends and then when the movie was being talked about I rang him and I said I'd love you to pay one of the bankers in the movie of course I would Dave you know and he did and he was brilliant and he's just so special and fantastic that's life surreal but I think that's your character I can see you're a good guy leaving an impression on somebody where you walk away from them and they don't think you're a dick which is important especially in today's society everybody's got an agenda everybody's out for a cell listen we've got to survive we want to make money we want to help people we want to do the right things but like I say it's leaving an impression when people go I like him so eventually if you ever do come not need anything but speak through them two or three years over fucking mountains for you that's the most important thing in life that you don't get this far with to say that there's plenty of dicks out there that have got far in life have been envisaged but your character and your nature everybody seem to come in contact with you seem to leave a good impression how important is that for you well to be honest once you've got all the things in life that you want to need you've got a good partner you've got a good family and touch wood you get a decent health to say every day you get up lad and you don't feel the woodsides you're having a good day you know get both feet on the ground and try hard and once you've got all the things you want and all the things you need then you've got to then look for something else and if you can make a difference I promise anybody that's watching this program anybody that's watching this if you can make a difference however whether it's volunteering your time whether it's giving some money whether it's going doing something whether it's starting a business whether it's doing something that's bonkers that's out there that's going to help you know society I said to my kids look you can do anything but you can't do nothing I'm going to give a big part of my network away I'm not going to leave it to the next generations they're going to have enough to do anything but not enough to do nothing and like I say one's a frontline place officer and one works with animals and an animal charity and I said to them the things you want to be doing the things that make you want to get up in the morning and once you've got the things that you want then that's all you've got left you know and your reputation as I said to the kids the reputation takes a lifetime to get and seconds to lose so if you can do something that's going to make a difference you'll get such a kick out of that you really will and it's not until you start doing it until you start seeing it were you nervous when the film came out were you kind of being put out there not damaged your reputation but you're putting yourself out there how you are as a character was there nerves I'd spoke such a lot to the team at Netflix and they were when I said to them I want to do it in Berlin they said let's make it happen and I said I want to film in the market I want to film at the bank of Dave I want to film in the train station I want to film where it happened and they said we'll make that happen and I got such a lot of assurities don't get me wrong there's lots of artistic licence in it that's what movies are all about you know what and Def Leppard and all the rest of it but you know that actually happened now because it was in the movie it actually happened for real because we did it in the movie to make it happen for real so that's part of life now and the thing about movies is Superman can't fly either but it was a good film and that's what I said to people it's a good film it's based on a true story and if it just inspires people to do something different or to take that next step then we've won what about for kids that being a successful man like how important is it not to spoil your kids where they've constantly got anything they want and to keep them like if ones are working in a place and one's working with animals like it's clear they're not spoiled and living off daddy's money like how important is it not to spoil kids it's tremendously important not to spoil give them enough to do anything but not enough to do nothing I have a lot of friends who are very welfare who have given their kids everything and it's just ruined them absolutely ruined them you've got to let kids be kids don't you know none of mine have gone to private education neither has my grandchildren I don't agree with it I think you can get good schools be around real people in good schools you don't need in private education if you can afford private education good luck to you no problem I just think that there's some good schools out there and being mixed with real people makes a real difference and creates the person around that is that because of your own background where you've came from you understand that you don't need to be private schools expensive schools to make something of your life yeah I mean if people want to go to college university and get loads of qualifications not everybody's capable of doing that not everybody's got the money to do that you know I grew up in one of the toughest parts of the country everybody gets them sort of opportunities what I try and get across is for the kids that don't get them opportunities the ones that do good luck get as many qualifications as you can fantastic you're going to have a real good go at life that way but the ones that can't or don't get them opportunities then there is another way to improve for us another way the teachers thought I was going to be just a bum or a loser and there is another way and if you put your mind to it you genuinely can achieve anything was there ever a day you felt important that you felt that you were achieving your things teachers thinking you're not good enough or never amount to anything the women in the chip shop taking back your chips was there ever a moment you walked down the street and thought do you know what I'm living it I'm setting out everything and I'm fucking achieving it was there ever a moment or a day where it made sense still not today I've just been to the Daily Mirror this morning and with ITV this afternoon I'm working with you with the biggest podcast in the country I'll walk out of here just the same guy that walked in and I'll be with ITV this afternoon I'll go home maybe late tonight if I manage to get the last train or tomorrow morning and I'll go and sit with the lads who are validating the buses and eat toast with you've got to stay grounded I think once if you ever get to the point where you think you've done it all then maybe it's time to think of something new to do because I think I'd deteriorate really quickly if I thought I'd done it because you get people who have done maybe done a movie or wrote a song and they think they've accomplished everything or accomplished everything you live in proof that you need to keep working you need to keep hustling how do you then find balance from everything that you're doing everything that you're working on travelling around the world doing films books, documentaries how do you find balance what I know you use helicopters when you feel free ITIs when do you feel that you can juggle something if you're having that day and then try to take your mind off things just the helicopter completely or have you got other things in place where you can relax a bit more me and Nicky and my wife we go and walk our Jack Russell on the beach we we fly to places and go and land on top of mountains and go walking we spend a lot of time walking and just getting away from everything really for holidays because I'm usually working but at some point I do want to go on a loading more definitely but hopefully I'll get the chance in the future my dad says you get 3 score a year and 10 and anything after that's a bonus which means you get to 70 and if that's a bonus so if I get past 3 score a year and 10 I'm going to start going on holidays do you think you can relax you're constantly thinking about the next move I'm always getting phone calls I'm always doing things but you know what you go on holiday and meet some people you can have the crack there's always something interesting like I'm going out to publicise the movie in America the movie is being released in cinemas in America and in Australia and then it's going to Netflix after that was the deal that was done so I'm going out to America I'll go across the states meeting people in the different states going on with James Corden and all the talk shows there out there and chatting about the movie and I'll meet loads of interesting people and Nikki might come out for a couple of days and she might fly back home and that'll be like holiday so I'll say look you've been it's fucking unbelievable what you've done Dave it's unbelievable mate you should be proud and proud of you it's class to see that I love people winning I love people succeeding because in my mind if I can do it I'm not going to go down the same route as you people will be the biggest on the planet but I find it motivational that people can stay humble stay grounded because there's so much greed out there there's so much wealth there for everybody if you've got the right patterns and right tools and techniques to then put things into place to then believe in yourself it took me five years to create everything I've created but I believe my platform is built and I'm only getting started I never find the fulfilment or the enjoyment that I can enjoy it yet because I feel as if there's just so much more to go but do you feel that as well people would be happy with one percent of what you have but you've the other feels if you've got so much more to go that that's why you can't switch off well there's always another avenue there's always another book to read or there's always another person to meet and tomorrow morning you never know if that's going to be that bus opportunity do you remember the one I told you about when you grab them opportunities a difference in life where you get that first bus and then you become the biggest supplier of buses you never know tomorrow what's going to come there might be something else tomorrow that then maybe you get to meet somebody else interested I had a guy the guy the Nobel Peace Prize winner Muhammad Yusuf who built the Grimim Bank and his big friends were Warren Buffet and he travelled thousands of miles to meet me three and a half thousand miles just to meet me and chat to me and I really found that touching and then I make the former president of South Africa who also has a Nobel Peace Prize who's a winner sorry he was a friend of Muhammad Yusuf and he was talking about Nelson Mandela and he helped release Nelson and he was so interested to talk to and he really loved the idea of the Bank of Dave and what the Bank of Dave's done is open doors it's only tiny, it's tiny we've lent over £30 million but it's tiny compared to the big institutions but the brand and the outreach of it where other people can be inspired to do things that's the thing I like the most and you know it opens doors for me to be able to talk to important people and then I can learn things and I can maybe take that and teach other people what I can learn from these people it's mad that you're going to America and the cinema is here the only cinema release it got was the premiere which were the first well remember Netflix didn't do cinema release and they they bust all the rules for me to be able to have a premiere in Burnley at the real cinema in Burnley we're pie and peas did you feel like a movie star? well it was I mean the movie stars the Rory and Joe and the rest of them but I definitely felt a bit special it was so wonderful to see friends and family there and everybody coming and everybody were part of it for anybody that's and Dave what advice would you have for them? the thing is there's a lot of help out there for Dave if you know where to look this cab CAB if you google that you can look at how they can help the Citizens Advice Bureau go and see somebody start the process speak to somebody speak to friends and then go and see the Citizens Advice Bureau I speak to them quite a lot at the CAB and I get information often that I can pass on to people they're really really good and they've got lots of things that they can tell you what to do and you can be able to really manage your payments don't drown in the debt do something about it and the first thing tomorrow morning after you've watched this if you're in debt go and see Citizens Advice Bureau what's the best advice you've ever received? my dad whatever you're going to do lad do it now because there will be a time when you can't I remember he always said to me every day you wake up feeling the wood sides you're having a good day and it is funeral I stood up and said a few words and I said at the end I said hey dad you're feeling wood sides today and he was there he brought a tear to my eye and I don't cry I never cry and that brought a tear to my eye so whatever you're going to do do it now because there will be a time when you can't how much does your dad play a big part in your life to still keep you grounded now? he's watching now have the courage to follow your dreams that's what he'd say that's important do you feel as if going forward from the future what can you do man how big can you go you've won awards, you've got films, you've got books documentaries I believe you'll get the license to have the first bank in the hundred it was 120 years it's fucking madness it's madness kid from Burnley I believe in energies, I believe in spirits I believe we are protected I believe people are here guiding us and I believe if you're a good soul you are protected if you do good things good things will happen to you there's a lot of karma goes on I find that I can get a real kick out of doing something good for somebody especially somebody that perhaps can't pay you back like a young girl wrote for me to say thank you for providing the food for the school and she's now eating every morning and I can't tell you what that's worth receiving letters like that and I'll send you a copy of the letter on the website when they put the podcast on and then other people can read it too because I get a kick out of that far more than some politician or big banker come in saying I'll give you this and the other money wise I don't care what the politicians think or say and I don't care what the bankers say I'm not a politician, I'm very bipartisan I don't care who's in as long as they create a net for people to fall on the bounces because it's so unfair out there at the minute Where do you go fall for the future Dave? What's the plans? I think the thing is the movie's been such a big hit and I didn't realise what had come from that and I've got two or three really big balls in the air that are floating there at the minute that's come from the movie and if one of those falls wow do you know what, watch this space when one falls listen mate good guy sometimes interviews drain me but I feel good after this one it's good to have you on good for people to see what can be done good to see where you've come from to what you're achieving now to have big dreams and big ambitions to have a strong family life to raise good kids, to have good misses and to try and just juggle the life of madness and kind of enjoy it along the way whether it's maybe struggling now Dave what advice would you have for them? Remember rule number three and rule number four that I said earlier rule number three is never give up and rule number four the most important thing of all that I've said all today and if the viewers can take something away rule number four is never ever give up Dave listen absolute pleasure I wish you nothing but more success in the future and I look forward to seeing what you do Thank you