Dave Fishwick

Last updated

Dave Fishwick
David Fishwick 2023.jpg
Fishwick on James English's Anything Goes podcast in 2023
BornMarch 1971 (age 53)
Nelson, Lancashire, England
Occupations
  • Businessperson
  • Media personality

DavidFishwick (born March 1971) is an English businessman. Born in Nelson, Lancashire, he left school at sixteen with no qualifications, before opening David Fishwick Minibus Sales and becoming the biggest minibus supplier in Britain. After finding that big banks were no longer willing to lend his customers money following the 2007–2008 financial crisis, he opened Burnley Savings and Loans, which used the advertising slogan "Bank on Dave". His efforts were documented in the 2012–2013 Channel 4 series Bank of Dave. After finding that customers were coming to him after accumulating debt using payday loan firms, he investigated the industry for the 2014 Channel 4 series Dave: Loan Ranger. Both of these series won British Academy Scotland Awards. His efforts at setting up a bank and investigating payday loan firms were loosely adapted for the 2023 film Bank of Dave and its 2025 sequel Bank of Dave 2: The Loan Ranger .

Contents

Life and career

Early life and automotives

Fishwick was born in March 1971. [1] He grew up in a poor family on John Street in Nelson, Lancashire, and attended Edge End High School, both of which were later demolished. [a] He left school aged sixteen with no qualifications, [4] and took a Youth Training Scheme course at a construction site for £27.50 per week (equivalent to £93in 2023) plus overtime, [5] : 3:24  where he pebbledashed buildings. [2] While there, he was motivated by an incident in which he discovered after ordering a chip butty that he was three pence short, prompting the cashier to bin a handful of already salted and vinegared chips. [2]

"I went around all the garages and I found one that had some old part exchanges and I said, "Could I take that old part exchange away? I'll clean it up. I'll scrub it off. I'll sell it. I'll advertise it and I'll bring you back an agreed amount of money, and the difference is mine." I eventually found a garage that agreed, and I agreed to give them £70 for this [Vauxhall] Cavalier when I sold it. I took it away, scrubbed it up, sold it for £97 so I made £27 profit. I repeated that process to the point where I could negotiate a better deal and could pay upfront, and that's how it started."

Fishwick speaking to The Daily Telegraph in February 2023 [6]

After choosing to enter the UK automotive industry, he asked several garages if he could have a part-exchanged car to restore and sell in exchange for some of the profits. [6] His first part-exchange was a heavily scratched Vauxhall Cavalier with flat tyres, which he bought for £70, advertised in the local paper for £100 and sold for £97. [2] He repeated this process until he could afford to buy upfront, [6] and would stuff his wallet with paper to make himself appear richer to prospective sellers. [5] : 15:54  Around this time, he spent his mornings selling cheap clothes for a profit and his evenings performing as a disc jockey. He met his future wife while working at a nightclub after she told him the music he was playing was rubbish, prompting him to invite her to pick a record so long as she wrote her phone number on its sleeve. [2]

Fishwick then diversified into refurbishing vans after being given a red Astramax van to refurbish, and then into minibuses for the same reason. [5] : 12:11  He switched exclusively to vans, minibuses, and minicoaches in 1994, and opened David Fishwick Minibus Sales, [7] which had sites in Colne, Birmingham, and Stockport. [8] He later became the biggest minibus supplier in Britain. [9] Between 2004 [10] and 2017, the firm sponsored Burnley F.C., during which time the club's Turf Moor stadium's Cricket Field Stand was named the David Fishwick Stand. [11] In 2005, having bought a helicopter for his own use and finding that others were asking if they could borrow it, Fishwick opened a helicopter business, David Fishwick Helicopters Ltd, which provided charter flights. [12]

Bank of Dave and Loan Ranger

In 2008, after the 2007–2008 financial crisis, Fishwick found that big banks had stopped lending his customers money, posing an existential threat to his business. [9] After lending his own money on his own terms, and after no borrowers defaulted on their payments during the first six months, he looked into setting up a bank himself, where he discovered that although obtaining a consumer credit licence was simple enough, obtaining a deposit-taking licence required a minimum of £10,000,000 to be kept in reserve [9] under Financial Conduct Authority regulations. [13] He later opened Burnley Savings and Loans in September 2011 in Keirby Walk in the town centre using a peer-to-peer crowdfunding model, with "Bank on Dave" emblazoned on the front of the shop as an advertising slogan. [4]

Fishwick's efforts were documented in the Channel 4 series Bank of Dave, [9] which aired two episodes in July 2012. [14] The series was released at the same time as Bank of Dave: How I Took on the Banks, [15] a book. [16] Reviewing the second episode, Alex Hardy of The Times described the show as "some of the most joyous TV seen this year" and opined that Fishwick "could have been one of the best comedy characters of 2012". [17] A subsequent episode, Bank of Dave: Fighting the Fat Cats, was broadcast in February 2013, [18] and won an award for the Best Feature/Factual Entertainment Programme at the 2013 British Academy Scotland Awards. [19] In mid-2020, Fishwick was approached by screenwriter Piers Ashworth, who was interested in making a film about his bank's story. [20] He granted permission for this on the condition that it was shot in Burnley, where many of the events took place. [21] Produced by Piers Tempest of Tempo Productions and Matt Williams and Karl Hall of Future Artists Entertainment, [20] the film was released in January 2023 by Netflix as the semi-autobiographical film Bank of Dave [4] and became the ninth most searched film that year. [22] In June 2024, Jason Manford stated that he was in talks to star in a musical version of Bank of Dave, [23] with Fishwick later stating that the musical had been suggested by Williams. [24]

In 2014, after young people came to him after accumulating debt engaging with payday loan firms, he fronted Dave: Loan Ranger, in which he investigated the industry. [25] Originally intended for autumn 2013, the show was delayed until January 2014 for legal reasons. [26] Upon broadcast, the show won Best Current Affairs Programme at the 2014 British Academy Scotland Awards. [27] A sequel to Bank of Dave, Bank of Dave 2: The Loan Ranger , was announced that April, [28] was released on 10 January 2025, and was loosely based on his experiences with the industry. [29]

Other media appearances

In 2013, Fishwick appeared on The Secret Millions, in which he and a group of teenagers [30] who had suffered challenging upbringings such as homelessness or addiction attempted to open a employment agency. [31] That May, alongside Loan Ranger, Channel 4 announced Fishwick Out of Water, a six-part series intended for 2014 in which Fishwick would be dropped blindfolded into a random UK town with a pound and challenged to make a fortune; [32] this did not make it to broadcast. In 2015, he presented Can Property Pay Your Wages, in which he advised members of the public on how to make money through property, and then the consumer series Shoppers Guide to Saving Money, which he co-presented with Kate Quilton. In 2017, he appeared in Dave's Guide to Spending, a documentary in which he explored supply-chain costs and launched a brand of bottled water. All three of these aired on Channel 4, with Fishwick working with Warner Bros. on the last of these. [b]

In July 2017, it was announced that Fishwick would film a six-part series for Channel 4 called How to Get Rich Quick. [36] Upon broadcast in July 2018, Peter Crawley of The Irish Times wrote that the show "encourages people of modest means to pursue equally modest dreams in the very modest hopes, several weeks of hard work later, of doubling their modest investments." [37] In 2020, Fishwick appeared on a week of episodes of Your Money And Your Life, a BBC One daytime consumer show presented by Matt Allwright and Kym Marsh. [38] He declined invitations to appear on the 2023 series of I'm a Celebrity...Get Me Out of Here! [39] and the 2024 series of Strictly Come Dancing , both times due to work commitments. [40]

Notes

  1. ↑
    • For John Street, see [2] .
    • For Edge End, see. [3]
  2. ↑
    • For Can Property Pay Your Wages, see [33] .
    • For Shoppers Guide to Saving Money, see [34] .
    • For Dave's Guide to Spending, see [35] .

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References

  1. ↑ Cannon, Nicholas (15 January 2023). "Bank Of Dave — release date, cast, plot, first looks, trailer and everything we know". whattowatch.com. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  2. 1 2 3 4 5 Mead, Holly (21 June 2024). "Dave Fishwick: My helicopter was once the Duke of Westminster's". www.thetimes.com. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  3. ↑ "Final bell for Nelson school". Lancashire Telegraph. 1 April 2010. Archived from the original on 11 June 2024. Retrieved 11 June 2024.
  4. 1 2 3 Ross, Deborah (18 January 2023). "Formulaic and untrue: Bank of Dave reviewed". The Spectator. Archived from the original on 17 September 2024. Retrieved 2 June 2024.
  5. 1 2 3 Fishwick, David; English, James (20 April 2023). The Bank of Dave Fighting Against the Elite - David Fishwick Tells His Story (Video). Archived from the original on 22 June 2024. Retrieved 22 June 2024– via YouTube.
  6. 1 2 3 McGrath, Nick (12 February 2023). "'I like that the big banks hate me – they do nothing to help the public'". The Telegraph. ISSN   0307-1235. Archived from the original on 31 July 2024. Retrieved 2 June 2024.
  7. ↑ Hewes, Ben (18 September 2006). "Overseas 'spares' supply takes off". Lancashire Telegraph. Archived from the original on 22 November 2024. Retrieved 21 June 2024.
  8. ↑ Taylor, Andrew (30 December 2005). "Count US in says David!". Lancashire Telegraph. Archived from the original on 22 November 2024. Retrieved 21 June 2024.
  9. 1 2 3 4 Collinson, Patrick (6 July 2012). "Bank on Dave: one man's crusade to help small businesses raise finance". The Guardian. ISSN   0261-3077. Archived from the original on 13 July 2024. Retrieved 2 June 2024.
  10. ↑ "Clarets Fishing for new sponsor". Lancashire Telegraph. 13 July 2004. Archived from the original on 22 November 2024. Retrieved 21 June 2024.
  11. ↑ "Turf Moor stand sponsorship comes to an end". Burnley Express. 4 August 2017. Archived from the original on 7 August 2021. Retrieved 7 August 2021.
  12. ↑ "Sky's the limit for David". Lancashire Telegraph. 26 October 2005. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  13. ↑ Fishwick, Dave (12 July 2012). "Why I opened the 'Bank' of Dave". The Guardian. ISSN   0261-3077. Archived from the original on 25 June 2024. Retrieved 2 June 2024.
  14. ↑ "Are you ready for second episode of 'Bank of Dave'?". Burnley Express. 17 July 2012. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  15. ↑ Wigley, Lucy (16 January 2023). "Bank of Dave true story: Remarkable inspiration behind the Netflix film". GoodTo. Archived from the original on 9 October 2024. Retrieved 24 June 2024.
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  17. ↑ Hardy, Alex (20 July 2012). "Last Night's TV: Bank of Dave". www.thetimes.com. Archived from the original on 24 June 2024. Retrieved 24 June 2024.
  18. ↑ "Bank of Dave: Fighting the Fat Cats". Time Out . 22 February 2013. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  19. ↑ Kenyon, Ben (18 November 2013). "'Bank of Dave' star bags BAFTA award". Burnley Express. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  20. 1 2 Farnworth, Amy (10 February 2022). "From Bond to Bank of Dave - Hollywood star to play Burnley businessman in new Netflix film". Lancashire Telegraph. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  21. ↑ Aziz, Fatima (26 January 2023). "'Bank of Dave' millionaire told Netflix he'd only do a biopic if it was filmed in Burnley - LancsLive". www.lancs.live. Retrieved 28 June 2024.
  22. ↑ Gerken, Tom (11 December 2023). "Google: Barbie and Shakira among most searched in 2023". BBC News. Archived from the original on 21 June 2024. Retrieved 21 June 2024.
  23. ↑ Richardson, Jay (19 June 2024). "Jason Manford in talks to star in 'Bank Of Dave: The Musical'". British Comedy Guide. Archived from the original on 27 August 2024. Retrieved 22 June 2024.
  24. ↑ "Jason Manford to play Dave Fishwick in Bank of Dave the musical". Burnley Express. 2 July 2024. Archived from the original on 3 July 2024. Retrieved 24 November 2024.
  25. ↑ "Dave Fishwick takes on pay-day loan firms". Burnley Express. 13 January 2014. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  26. ↑ Knight, Julian (18 January 2014). "Julian Knight: Poorest foot the bill while payday lenders cash in". The Independent. Archived from the original on 24 June 2024. Retrieved 24 June 2024.
  27. ↑ "BAFTA delight for Dave Fishwick". Burnley Express . 17 November 2014. Archived from the original on 23 November 2024. Retrieved 22 June 2024.
  28. ↑ Warner, Sam (27 April 2023). "Netflix confirms unexpected Bank of Dave sequel". Digital Spy. Archived from the original on 8 October 2024. Retrieved 21 June 2024.
  29. ↑ Lobb, Adrian (10 January 2025). "Bank of Dave: Meet the man trying to change the way we borrow money". Big Issue. Retrieved 10 January 2025.
  30. ↑ "Braintree: Secret Millions teen describes how he turned his life around". Braintree and Witham Times. 13 April 2013. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  31. ↑ "Burnley 'Bank of Dave' star to appear on 'The Secret Millions'". Burnley Express. 5 April 2013. Archived from the original on 22 November 2024. Retrieved 2 June 2024.
  32. ↑ "Burnley 'Bank of Dave' star David Fishwick to front two new Channel 4 shows". Lancashire Telegraph. 20 May 2013. Archived from the original on 22 November 2024. Retrieved 22 June 2024.
  33. ↑ Collis, Dominic (16 February 2015). "Dave Fishwick's 'Can Property Pay Your Wages' on TV". Burnley Express . Archived from the original on 22 June 2024. Retrieved 22 June 2024.
  34. ↑ Stubbs, David; Virtue, Graeme; Catterall, Ali; Gibbings-Jones, Mark; Davies, Hannah; Raeside, Julia; Mueller, Andrew; Howlett, Paul (9 November 2015). "Monday's best TV: London Spy, The Shoppers' Guide To Saving Money, Fargo". The Guardian. ISSN   0261-3077. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  35. ↑ "Entrepreneur Dave returns to TV screens". Burnley Express . 15 May 2017. Archived from the original on 22 June 2024. Retrieved 22 June 2024.
  36. ↑ Whitehead, Harriet (5 July 2017). "Dave Fishwick to film new six-part show How To Get Rich Quick". Lancashire Telegraph. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  37. ↑ Crawley, Peter (24 July 2018). "How to Get Rich Quick: 'Can you hear it?'... 'Ka-ching!'". The Irish Times. Archived from the original on 2 June 2024. Retrieved 2 June 2024.
  38. ↑ Farnworth, Amy (16 June 2020). "Bank of Dave gives viewers money tips on new BBC One daytime TV show". Lancashire Telegraph. Archived from the original on 22 November 2024. Retrieved 21 June 2024.
  39. ↑ Farnworth, Amy (11 November 2023). "Bank of Dave's Dave Fishwick turns down I'm a Celeb offer". Lancashire Telegraph. Archived from the original on 22 June 2024. Retrieved 22 June 2024.
  40. ↑ McGee, Sarah (30 June 2024). "East Lancs Netflix star breaks silence on Strictly Come Dancing appearance". Lancashire Telegraph. Archived from the original on 16 July 2024. Retrieved 1 July 2024.
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