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Despite her limited opportunities to practice, Sarah can throw down more drink than a parched camel. It is official office policy never to drink in a round with Sarah. Especially if you don't want to spend all the next day in bed with one foot on the floor trying to stop the world from spi

SARAH

Does anybody want serving? God why do I bother?

WIDE SHOT – BANKING HALL

Customers queuing in front of cashiers.

Nobody in front of Margaret.

A woman with a couple of kids at Mick's till emptying out a bumper sized whisky bottle full of small value coins.

Mick helping her count them.

Six men from various walks of life queue in front of Rachael's till pretending not to notice the empty tills.

Nobody in front of Sarah's till.

Sarah walks away from counter carrying some papers.

OUR CHARACTER (V.O.)

See what I mean about Rachael?

CUT TO:

INT. INTERVIEW ROOM – NEXT

Windowless room with a door at each end, table with computer in the middle.

Our character. SEAN. Sat in chair on bank side of room. Red hair and freckles, slim build, medium height.

Two chairs on customers side of table.

SCRUFFY LOOKING CUSTOMER , late forties, overweight, sat in one chair, other chair empty.

Sean is filling in a loan application. Jotting down details from info on computer screen. Customer sits opposite fidgeting nervously.

SEAN(OUR CHARACTER)(V.O.)

So what about me? Sean Mcguire. Age 26. Last month I split up with my girlfriend after a disastrous holiday in Ibiza. What happened? Don't ask. Can’t believe I had to waste a months salary on a holiday from hell to find out we were incompatible.

FLASHBACK. INT. HOTEL ROOM

SEAN'S GIRLFRIEND wearing bikini admiring her suntan in front of full length mirror.

Sean wearing swim shorts comes up behind her and tries to embrace her.

She brushes him off brusquely.

SEAN'S GIRLFRIEND

Don't touch me. I'm hot.

SEAN

All you do all day is lie in the sun in search of the perfect suntan. Of course you're bleeding hot. Next year I'm going skiing. Spend as long as you bloody want on the beach.

INT. INTERVIEW ROOM (BACK TO PRESENT)

Sean continues filling in details on loan application.

SEAN (V.O.)

Been working at Oldshires for an eternity. OK nearly 5 years. Official title supervisor. I know I'm in the wrong job but now I have a car loan and a mortgage with the bank and frankly don't know what else to do career wise. I know what I would really like to do, apart from Rachael of course. When I am not dreaming about Rachael, I dream about working the Summers on a small boat. Maybe ru

Sean LOOKS UP from loan application at customer and shakes his head. Little does he know that he is about to seriously piss off the man who is going to change his life.

SEAN

I am sorry but I will not be able to approve your loan application.

SCRUFFY CUSTOMER

But why not? I only want to borrow five hundred quid to pay for Christmas.

SEAN

We are not allowed to lend you money unless you are in permanent full time employment. Unfortunately you already told me that you've not had a job for at least 6 years.

SCRUFFY CUSTOMER

But I've banked here for over forty years.

SEAN

Not strictly true. You just showed me a school bank savings book showing a balance of five old pence from 1968. Our records don't actually go back that far anymore.

SCRUFFY CUSTOMER

So?

SEAN

So, you haven't actually banked with us since before the Beatles split up and the Americans faked those pictures of the moon landings. Sorry, can’t help you.

Customer stands up and bangs fist on desk.

SCRUFFY CUSTOMER

I'll get the money. You buggers with your suits and superior attitudes won’t ruin my Christmas.

Pushes chair out of way and leaves room.

Sean tidies up papers on desk.

Jane enters room.

JANE

What was that shouting about?

SEAN

Just had to turn down a loan application from one of the great unwashed.

Jane hands him some more papers.



JANE

Your day probably won’t be getting any easier. Your 10.30 appointment is outside. And it's Terry.

Sean groans and looks up at the ceiling.

SEAN (V.O.)

I actually had a soft spot for Terry. His Mum died twenty odd years back leaving poor Terry alone in the world, with pots of cash, and a big house near the golf course. Unfortunately Trevor's IQ is smaller than his waistband. And Terry is one ski

INT. WAITING AREA (OUTSIDE INTERVIEW ROOM) – NEXT

Thin old man, sat patiently waiting for his appointment. TERRY. Wearing battered old raincoat, Sherlock Holmes deerstalker hat. Trainers with holes in. Big shopping bag on his lap. Looks like a human version of the alien from E.T.

SEAN (V.O.)

Afraid he would blow the lot on extra strong mints and comics, Mother left the money in a trust giving him a decent allowance every week. Sadly what was a decent allowance twenty years ago now won’t even buy Terry his comic books. The poor sod is destitute but because on paper he's rich, the social services can’t help him. And the bank is bound by the terms of the trust. Catch 22.

CUT TO:

INT. INTERVIEW ROOM – SEAN AND TERRY

Sean greets Terry. Offering him a chair.

Terry takes his Sherlock Holmes hat of his head and with complete idiot smile says

TERRY

I am Terry. Where's Sam.

SEAN

Yes I know Terry. Don't you remember me? I saw you a couple of months when the toilet bowl fell on your head. Me and Sam came round and fixed it for you. Remember?

FLASHBACK. INT. SAME INTERVIEW ROOM – THREE MONTHS EARLIER

Terry sat in chair wearing trademark raincoat and deerstalker hat. The hat is fastened tightly to his head by a thick bandage under his chin.

Sean trying not to giggle.

SEAN

Morning Terry. What's wrong with your head?

TREVOR

I went to the loo, pulled the chain and whole toilet fell on my head.

Sean struggling not to laugh. Sad but fu

SEAN

Just a minute, mate. I'll go get Sam.

INT. INTERVIEW ROOM (BACK TO PRESENT)

Sean can smell something bad in the room.

SEAN

Sam's very busy this morning. What can I help you with my friend?

Terry puts the shopping bag down on the desk between them.

TERRY

It’s my dog Blackie.

SEAN

So what's wrong with Blackie then?

TERRY

He's got the shits. I don't have any money to take him to the vet.

SEAN

So where is Blackie now?

TERRY

Blackie is in my shopping bag so he don't make a mess in the bank.

Terry opens the bag and a little black head pops out. Sean leans forward, gets a smell from the bag and leans back as far as possible.

SEAN

Think it’s a bit late to worry about that now. Just a minute. I'll go get Sam.

DISSOLVE TO:

INT. BANK – BANKING HALL – CUSTOMERS SIDE OF COUNTER – SOME TIME LATER

TWO POLICEMEN enter the banking hall.

Policemen approach cashiers.

POLICEMAN N1

We need to speak with your manager for a few moments please. Tell him it’s urgent.

CUT TO:

INT. MANAGER'S MR. MCFIER OFFICE – WIDE SHOT – FEW MINUTES LATER

Manager Mr. McFier, two policemen, Sean and Sam.

Mr. McFier sat at his desk, stares at his guests.

Two policemen standing in front of the manager.

Sean and Sam standing either side of the manager, looking at the policemen.

POLICEMAN N1, short, fat man dressed in uniform. Wearing baton and handcuffs on his waist.