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 running fishing charters or dolphin watching trips from a small island somewhere in the Med. Living off feta cheese, olives and local wine. Winters I'd travel. My other ambition is to have sex at least once on every continent. Do you think that makes me shallow?
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 skinny bloke.