WEBVTT - Free money frenzy 0:00:05.921 --> 0:00:17.961 Approache Production Episode two, Free Money Frenzy. Dan Saunders is 0:00:18.041 --> 0:00:22.721 no criminal mastermind. He's a normal aszy bloke who happened 0:00:22.721 --> 0:00:26.601 to find a glitch on his ATM card and used 0:00:26.641 --> 0:00:32.241 it to borrow one point six million dollars in cash. 0:00:32.521 --> 0:00:35.681 I'm gonna probably go to jail now for what I'm doing. 0:00:36.321 --> 0:00:41.121 Let's really test this glitch out. Let's take the Ferrari 0:00:41.441 --> 0:00:41.961 for a drive. 0:00:42.441 --> 0:00:46.001 In the last episode, we left Anne at a tiny 0:00:46.040 --> 0:00:51.841 little bar in Country Victoria after transferring two grand from 0:00:51.881 --> 0:00:56.321 his credit card to his savings account and then taking 0:00:56.321 --> 0:00:59.681 the cash out and heading home to go to bed 0:01:01.001 --> 0:01:04.121 half drunk with a bunch of cash in his wallet. 0:01:04.681 --> 0:01:09.601 That's not his Dan wakes up. You wake up after 0:01:09.761 --> 0:01:14.840 your transaction, your first transaction. You've got your wallet on 0:01:14.881 --> 0:01:18.441 your bedside table with nineteen hundred odd dollars in it. 0:01:19.961 --> 0:01:22.840 And what do you do? Do You go back to work? 0:01:24.840 --> 0:01:25.000 Yeah? 0:01:25.121 --> 0:01:27.841 I mean it wasn't It wasn't life changing money, was it. 0:01:27.881 --> 0:01:30.041 I mean it was you know, it was. 0:01:30.521 --> 0:01:33.241 Money for a new fridge and a few boobs and. 0:01:33.161 --> 0:01:36.720 Bobs and yeah, no, I seriously just thought I'd pay it, 0:01:36.761 --> 0:01:39.321 you know, I just pay it back. I thought it'll 0:01:39.401 --> 0:01:41.560 just be yeah, it'll be down in my in my 0:01:41.601 --> 0:01:42.800 savings account. 0:01:42.481 --> 0:01:43.961 And I'll just have to pay it back, you know. 0:01:44.041 --> 0:01:44.520 That's it. 0:01:45.481 --> 0:01:47.521 So I didn't really think much of it, like it 0:01:47.561 --> 0:01:50.240 wasn't really you know, it wasn't a heap of money, 0:01:51.201 --> 0:01:53.121 and I thought, well, yeah, I mean it was my 0:01:53.321 --> 0:01:57.481 card and it was my account, so you know, i'd 0:01:57.481 --> 0:02:01.681 only put myself into into debt. I thought, yeah, So 0:02:01.681 --> 0:02:03.520 I just went back to work. Yeah, I went back 0:02:03.561 --> 0:02:06.160 to you know, I think I had them shift or something, 0:02:06.521 --> 0:02:11.281 same regular, the same everything, nothing. 0:02:10.281 --> 0:02:15.601 Different really at work. Yeah. 0:02:16.201 --> 0:02:19.680 Then I left and I remember I walked down the 0:02:19.680 --> 0:02:22.881 street and I got a balance at it. I think 0:02:22.881 --> 0:02:26.201 it was like eleven PM over the balance at my 0:02:26.281 --> 0:02:29.960 savings car. I was two grand down on my savings 0:02:30.001 --> 0:02:34.721 account for some reason, like at the time it didn't register, 0:02:35.401 --> 0:02:39.160 but it had been it must have been. Twenty four 0:02:39.161 --> 0:02:43.641 hour period goes past, and then in between twelve and 0:02:43.680 --> 0:02:50.641 one I can make another transfer before it gets reversed, 0:02:50.721 --> 0:02:52.801 so before the previous one gets reversed. 0:02:53.401 --> 0:02:54.681 I didn't know this at the time. 0:02:55.001 --> 0:02:57.561 I can do a transfer any time between twelve and 0:02:57.601 --> 0:03:01.761 one am and that'll be honored for twenty four hours. 0:03:01.960 --> 0:03:04.121 Or until the bank checks over again. 0:03:04.201 --> 0:03:06.801 But the next day I can do another transfer, and 0:03:06.841 --> 0:03:09.441 then it'll take another day to click over. So basically, 0:03:09.601 --> 0:03:12.161 are you covering if I stay in front? 0:03:12.841 --> 0:03:16.161 Okay? So if I transfer, If I. 0:03:16.081 --> 0:03:20.721 Say I've spent twenty thousand dollars and I transfer forty 0:03:20.800 --> 0:03:24.761 thousand dollars, then the next night or the next day 0:03:25.800 --> 0:03:28.840 in there will be twenty thousand dollars. Right, So I've 0:03:28.881 --> 0:03:33.561 spent twenty, transferred forty, still got twenty. So basically I 0:03:33.601 --> 0:03:35.801 just needed to keep track of how much that i'd spent. 0:03:36.201 --> 0:03:39.121 And I guess that's easy when you first start. 0:03:39.721 --> 0:03:42.121 For sure. Yeah, yeah, it was easy at the start. 0:03:42.161 --> 0:03:44.881 As Dan tells me this part of the story, I 0:03:44.881 --> 0:03:48.121 can see it happening. I reckon in my younger day, 0:03:48.761 --> 0:03:52.201 I've overdrawn my credit card and used the cash and 0:03:52.241 --> 0:03:55.601 knowing that I'd have to pay it back at some point. 0:03:56.481 --> 0:03:59.720 I actually think I've done it a few times, take 0:03:59.801 --> 0:04:03.961 money out, small amounts like one hundred bucks. The credit 0:04:04.001 --> 0:04:06.641 card goes into the red and next time you try 0:04:06.681 --> 0:04:09.681 to take cash out it doesn't work, and a few 0:04:09.761 --> 0:04:12.681 days later you get a note or a call from 0:04:12.721 --> 0:04:17.201 the bank saying, hey, you're overdrawn, you need to bring 0:04:17.241 --> 0:04:20.760 it back into line. And by the way, he's a 0:04:20.801 --> 0:04:26.281 fifteen dollars overdrawn fee. Maybe after night one, Dan just 0:04:26.320 --> 0:04:29.760 cuts his losses, spends the cash, and then has to 0:04:29.801 --> 0:04:33.281 pay it back. I wonder if that's what Dan was 0:04:33.320 --> 0:04:37.001 going to do. I guess if it was, this would 0:04:37.001 --> 0:04:39.161 be a pretty boring story. 0:04:40.001 --> 0:04:44.121 It was probably like maybe one or two nights after that. 0:04:44.841 --> 0:04:47.601 I'd spent pretty much all the money. I was punting 0:04:47.641 --> 0:04:50.321 a little bit of it and was shouting most of 0:04:50.320 --> 0:04:54.401 the beers. So I went to the ATM and tried 0:04:54.440 --> 0:04:56.641 to get Actually I think I ran a phone. 0:04:56.361 --> 0:05:00.481 Back, Welcome to NAB for phone banking, Press one to 0:05:00.521 --> 0:05:03.921 speak to one of our bank. Please enter your NAB identification. 0:05:04.241 --> 0:05:06.721 And I was like, what the balance? And the balance 0:05:06.801 --> 0:05:12.441 was minus nineteen ninety seven in my in my savings caump. 0:05:12.721 --> 0:05:14.080 So I was like, yeah, that's all right. There was 0:05:14.121 --> 0:05:18.320 three dollars in there and I spent two. I transferred 0:05:18.320 --> 0:05:19.281 two grands. 0:05:18.880 --> 0:05:19.880 So that's right. 0:05:20.440 --> 0:05:23.401 So I got a balance on my credit card, and 0:05:23.440 --> 0:05:26.561 my credit card was the same. It was like it 0:05:26.641 --> 0:05:28.801 was it was the balance of what it would have 0:05:28.880 --> 0:05:31.561 been previously like without anything out of it. So I 0:05:31.601 --> 0:05:35.481 think it was like nineteen hundred and eighty used of 0:05:36.081 --> 0:05:39.281 the two thousand dollars limit or something like that. Piece 0:05:39.320 --> 0:05:42.001 by piece, I'm starting to sort of put the puzzle 0:05:42.041 --> 0:05:44.001 together of what is sort of happening. 0:05:44.281 --> 0:05:46.121 I'm like, well, what if you could do that again? 0:05:46.361 --> 0:05:48.601 And I just sort of entertained the idea in my 0:05:48.721 --> 0:05:52.361 mind and I was like, yeah, tonight after work, I'm 0:05:52.361 --> 0:05:56.200 going to go and see if I can do that again. 0:05:56.320 --> 0:05:58.561 But what time did I do it? First? About quarter 0:05:58.561 --> 0:06:00.041 past twelve ten past twelve. 0:06:05.440 --> 0:06:08.321 I went and I put my card in and I 0:06:08.401 --> 0:06:14.481 selected transfer and I selected from master Card to savings, 0:06:16.281 --> 0:06:19.681 and I said how much how much you want to transfer? 0:06:19.721 --> 0:06:23.361 It asked, and I said I'd like to transfer two 0:06:23.401 --> 0:06:28.921 thousand dollars, And so the same thing happened, which was 0:06:29.001 --> 0:06:36.121 encouraging transaction. Canceled card comes out. Then I'm like okay, 0:06:37.161 --> 0:06:42.641 So then I put the card back in. I want 0:06:42.681 --> 0:06:46.361 to get a balance on my savings. 0:06:48.841 --> 0:06:51.601 Savings count balance three bucks. 0:06:53.641 --> 0:06:56.801 So I'm like, okay, you've cleared the debt, right, the 0:06:56.880 --> 0:07:01.481 debt's cleared, and now I'm starting to learn how you 0:07:01.521 --> 0:07:06.081 do it. I'm like, okay, I can just okay it 0:07:06.081 --> 0:07:08.241 doesn't exist, and probably the same thing is going to 0:07:08.320 --> 0:07:12.561 happen if I spend, if I transfer another thousand and 0:07:12.601 --> 0:07:17.641 then spend another thousand, which why I did so right then, 0:07:18.001 --> 0:07:20.241 Right then I transferred another two because I knew I 0:07:20.241 --> 0:07:22.561 could get a thousand on each card, so I transferred 0:07:22.561 --> 0:07:25.441 another two, so then there was two in the savings account. 0:07:25.721 --> 0:07:29.201 Then I took a thousand on each card out, and 0:07:29.241 --> 0:07:30.401 then I went home. 0:07:39.281 --> 0:07:41.321 In the morning, right. 0:07:42.201 --> 0:07:46.001 The account it was down to because I took two 0:07:46.041 --> 0:07:50.321 thousand dollars out, so it was down to three dollars again. 0:07:50.841 --> 0:07:55.841 So basically it was the next night that the transfers 0:07:55.841 --> 0:07:58.201 would transpire that they'd cross back over. 0:07:58.401 --> 0:08:00.921 So it was it was like a twenty four hour period. 0:08:01.041 --> 0:08:05.521 So you make a transaction, but although you can get 0:08:05.561 --> 0:08:08.161 the money into your savings account, it's not registering on 0:08:08.201 --> 0:08:09.001 your credit card. 0:08:09.121 --> 0:08:10.441 No, for twenty four hours. 0:08:10.561 --> 0:08:13.681 Yeah, so get twenty four hours grace, yeah, to try. 0:08:13.481 --> 0:08:17.641 And would actually only ever registered when you got money out, 0:08:17.841 --> 0:08:20.321 so when the money was down, So I was taking 0:08:20.361 --> 0:08:22.401 the money out of the savings account at that point, 0:08:23.081 --> 0:08:28.241 so that account would go down, but the transfer from 0:08:28.241 --> 0:08:31.681 the credit card to the savings account would never even register. 0:08:31.761 --> 0:08:32.361 As happening. 0:08:38.561 --> 0:08:43.121 It's nuts, isn't it Moving cash he didn't have from 0:08:43.121 --> 0:08:47.801 his credit card to his savings account, and then withdrawing 0:08:47.881 --> 0:08:53.681 that cash. Then twenty four hours later the credit card 0:08:54.081 --> 0:08:58.121 shows the cash he's withdrawn, but by then he spent it. 0:09:02.081 --> 0:09:05.001 I got so many questions, Why didn't the bank call 0:09:05.241 --> 0:09:09.361 him straight away? Why didn't he just stop? Does it 0:09:09.401 --> 0:09:10.041 still work now? 0:09:11.481 --> 0:09:17.121 So then I waited and I started like I started 0:09:17.121 --> 0:09:20.281 standing on one leg a lot, which which just means 0:09:20.321 --> 0:09:23.401 checking your balance, Okay. I started checking my balance flat 0:09:23.441 --> 0:09:25.961 out on the on the phone, banking like all day 0:09:26.081 --> 0:09:26.521 every day. 0:09:26.561 --> 0:09:29.121 I was like, on it, please your identify. 0:09:34.561 --> 0:09:36.881 I didn't know at the time, but you know, subconsciously, 0:09:36.921 --> 0:09:39.841 I was sort of learning exactly what happened at which 0:09:39.881 --> 0:09:42.321 times and all the rest of it. The account. So 0:09:42.481 --> 0:09:45.681 the next day, the account stays the same. A monitor 0:09:45.721 --> 0:09:48.481 at twelve o'clock it's the same, and then at one 0:09:48.521 --> 0:09:51.521 am it's the same. And then I fall asleep and 0:09:51.561 --> 0:09:54.681 I ring up again, and then at six o'clock in 0:09:54.721 --> 0:09:58.361 the morning it's all the transfers have reversed, and the 0:09:58.401 --> 0:10:01.641 savings account's gone down. Now it's down by four thousand. 0:10:02.041 --> 0:10:05.721 I've taken four grand out of it all up, and 0:10:05.761 --> 0:10:09.961 the replacement transfers that I'm doing have been reversed. Gotcha, Right, 0:10:10.201 --> 0:10:15.161 So I'm like somewhere between three and five, that's when 0:10:15.361 --> 0:10:18.921 they do their reconciliation. That's the most clear way that 0:10:19.001 --> 0:10:19.921 I can explain it. 0:10:20.081 --> 0:10:25.081 And it's fair to say you're not some criminal mastermind. 0:10:24.561 --> 0:10:26.801 Right Well, I think you can tell just by listening to. 0:10:28.281 --> 0:10:30.641 So this was like a made up story by you know, 0:10:30.761 --> 0:10:31.721 Jay from the in Between? 0:10:31.841 --> 0:10:34.961 Yeah, yeah, yeah one you me and mate took a 0:10:35.001 --> 0:10:36.281 peddler out or we went to Africa. 0:10:36.601 --> 0:10:39.161 Do you think you would spare us the bullshit for 0:10:39.321 --> 0:10:40.281 one minute? 0:10:40.401 --> 0:10:42.481 There's people looking right now going, oh this you know, 0:10:42.561 --> 0:10:45.441 this guy's full of shit? Yeah, fair enough, Like, no problem, 0:10:46.121 --> 0:10:48.721 I understand, you know, but if I didn't live it, 0:10:48.801 --> 0:10:49.841 I wouldn't believe it either. 0:10:50.001 --> 0:10:50.681 Yeah. 0:10:50.721 --> 0:10:54.201 From that first Tuesday night through to call it a 0:10:54.241 --> 0:10:58.121 week after, how much you did taken out or transferred? 0:10:58.801 --> 0:11:01.641 See, I was just doing you know, I say, just 0:11:01.761 --> 0:11:03.721 there's still a lot of money, Like I was taking 0:11:03.761 --> 0:11:08.001 out one thousand dollars on each card at this point, 0:11:08.081 --> 0:11:11.801 I didn't really know what I had. I mean, I 0:11:11.841 --> 0:11:14.961 was just transferring a little bit more each day to 0:11:15.121 --> 0:11:18.801 keep the accounts in credit all the time because I 0:11:18.841 --> 0:11:19.441 worked out. 0:11:19.321 --> 0:11:19.921 How to do it. 0:11:20.281 --> 0:11:24.001 But ultimately I didn't really like I wasn't really going 0:11:24.041 --> 0:11:26.361 for the you know, the kill, so to speak. 0:11:26.721 --> 0:11:28.641 I wasn't like, oh, you know, I can. 0:11:29.081 --> 0:11:31.761 I eventually worked out that I could just transfer, Like 0:11:31.961 --> 0:11:35.280 I could transfer six figures at a time on an ATM, 0:11:35.321 --> 0:11:39.041 so I could transfer nine hundred and ninety nine thousand 0:11:39.041 --> 0:11:43.081 dollars at a time. And you know, in fact, months 0:11:43.161 --> 0:11:46.081 later I did transfer, you know, three lots of nine 0:11:46.161 --> 0:11:48.841 hundred thousand, just to see what had happened. And then 0:11:48.881 --> 0:11:50.601 you go in and check the balance and it's like 0:11:51.081 --> 0:11:52.121 two point seven millions. 0:11:52.201 --> 0:11:53.881 So you can't take that out through an ATM. 0:11:54.001 --> 0:11:56.001 No, you can't take it out through an ATM. But 0:11:57.121 --> 0:12:01.121 then I'm getting more curious as I go along. What 0:12:01.801 --> 0:12:06.841 you know, this first two weeks, I'm like, what if 0:12:07.681 --> 0:12:10.641 what does the bank think? Like what is the lady 0:12:10.721 --> 0:12:12.001 at the teller think? 0:12:12.561 --> 0:12:14.801 When I go in there, you're checking, you're standing on 0:12:14.801 --> 0:12:17.481 one leg, as you say, you're checking your account balance 0:12:18.041 --> 0:12:21.761 like more than daily. How you're feeling? 0:12:21.921 --> 0:12:26.521 Yeah, well, I thought that I had discovered the greatest 0:12:26.561 --> 0:12:27.281 trick in the world. 0:12:27.681 --> 0:12:29.481 Like I thought it. 0:12:29.401 --> 0:12:32.681 Was like one of those let's choose your own adventure books, 0:12:32.761 --> 0:12:36.081 you know, like it was like, if you keep making 0:12:36.121 --> 0:12:39.121 transfers at the ATM, turn to page seventy three, you know, 0:12:40.241 --> 0:12:42.401 if you don't want to do it, just go home, 0:12:42.641 --> 0:12:46.281 you know, like great, you know, it seemed like I 0:12:46.321 --> 0:12:48.841 don't know, it seemed like there wasn't any other option. 0:12:48.681 --> 0:12:53.081 Other to explore. Is there any guilt? 0:12:54.201 --> 0:12:56.761 Not really not at this point, I'm. 0:12:56.681 --> 0:13:00.681 Like an anxiety, it's too new, it's too fresh. Any anxiety, 0:13:00.921 --> 0:13:04.081 little bit, but more. 0:13:03.921 --> 0:13:11.041 Excitement, more like what's this, sort of like let's let's 0:13:11.041 --> 0:13:11.681 explore this. 0:13:15.001 --> 0:13:20.201 Like every pseudo criminal mastermind, you need a plan, the strategy, 0:13:20.841 --> 0:13:24.721 that one idea that means you can get away with 0:13:24.801 --> 0:13:28.721 the crime of the century. And Dan had a plan, 0:13:29.921 --> 0:13:33.321 not the great plan, but a plan all the same. 0:13:33.961 --> 0:13:36.441 Tell me about your strategic plan. 0:13:37.801 --> 0:13:40.841 Well, well, you got to have money to make money, right, Yeah, 0:13:40.881 --> 0:13:45.521 And yeah, we knew a couple of you know, a 0:13:45.521 --> 0:13:48.521 couple of horse trainers at the at the end, you know, 0:13:48.681 --> 0:13:50.841 got a few tips here and there, and yeah, a 0:13:50.841 --> 0:13:53.241 few of them lost. And suddenly I was in sort 0:13:53.281 --> 0:13:56.721 of a bit too deep with the punting. It started 0:13:56.761 --> 0:14:02.401 this sort of snowballed into this bit of a punting 0:14:02.641 --> 0:14:05.481 sort of trying to win the money, backing to win 0:14:05.521 --> 0:14:06.121 more money. 0:14:07.561 --> 0:14:11.001 So you're taking money out of a bank. It's not 0:14:11.081 --> 0:14:13.441 your money, Yeah, it's in my name, but it's in 0:14:13.481 --> 0:14:17.241 your name, might defense so yeah, yeah, true, your honor however, 0:14:17.921 --> 0:14:20.721 and then then you're thinking to pay back that debt 0:14:20.761 --> 0:14:24.001 that is accruing on your savings account, which is your debt. 0:14:24.001 --> 0:14:25.481 You're gonna have to pay it at some point in 0:14:25.561 --> 0:14:29.801 your mind. At this point, you're thinking, the best option 0:14:30.041 --> 0:14:33.921 here is to back number three at Wangaratta and hopefully 0:14:33.921 --> 0:14:34.481 it gets up. 0:14:34.641 --> 0:14:35.121 Yeah. 0:14:35.161 --> 0:14:37.081 Well it wasn't you know, it wasn't a solid plan, 0:14:37.321 --> 0:14:39.041 but it was planned nonetheless. 0:14:39.201 --> 0:14:40.201 I mean it was. It was. 0:14:41.561 --> 0:14:44.041 It was something that you know, all the you know, 0:14:44.081 --> 0:14:46.321 the workers at the pub and everyone at the pub 0:14:46.401 --> 0:14:48.081 you know, would sort of watch the races on a 0:14:48.121 --> 0:14:51.241 Saturday afternoon, you know, so it was sort of like, well, 0:14:52.361 --> 0:14:54.721 if we can, if we can try and get out 0:14:54.761 --> 0:14:57.081 of this, like you know, so I was you know, 0:14:57.161 --> 0:14:59.361 first I was, you know, five grand in debt, and 0:14:59.361 --> 0:15:01.681 then I was, you know, ten grand in debt, and 0:15:01.721 --> 0:15:04.161 then you know, I just kept going every night, So 0:15:04.201 --> 0:15:08.081 I mean the first within twelve nights, I probably spent 0:15:08.161 --> 0:15:13.081 you know, ten grand maybe you know, because yeah, I mean, 0:15:13.241 --> 0:15:14.481 and you know, like. 0:15:14.521 --> 0:15:18.321 The peers and stuff. Bulls became pretty good customer at 0:15:18.361 --> 0:15:18.841 the Bullshead. 0:15:19.841 --> 0:15:22.921 But that was the thinking behind it, was like, because 0:15:23.161 --> 0:15:26.161 I didn't think it was gonna I didn't even know 0:15:26.201 --> 0:15:29.601 what it was really. I knew that I could transfer 0:15:30.401 --> 0:15:32.401 money and get money out of the ATM, but I 0:15:32.401 --> 0:15:38.401 didn't really know exactly what I had and what. 0:15:38.441 --> 0:15:38.921 Was to come. 0:15:39.521 --> 0:15:41.841 You're punting? Did you do most of it at the 0:15:41.841 --> 0:15:44.241 pub you were working at mostly? 0:15:44.681 --> 0:15:45.121 Yeah? 0:15:45.361 --> 0:15:47.721 Yeah, So who was putting through the transactions? 0:15:48.201 --> 0:15:50.681 Well, it was so it was we had a few 0:15:50.721 --> 0:15:54.001 mates there who were putting. 0:15:53.681 --> 0:15:58.481 Through the transactions. But yeah, like me as well, Like 0:15:58.521 --> 0:15:59.321 I was punching in. 0:16:00.001 --> 0:16:01.801 So you would you would take money out of your 0:16:01.801 --> 0:16:02.361 own pocket? 0:16:02.601 --> 0:16:03.721 Yeah, yeah, have a bot. 0:16:04.001 --> 0:16:06.841 I had the money there, so I just sort of 0:16:07.041 --> 0:16:09.121 I just put a few bets on and then just 0:16:09.281 --> 0:16:10.601 reconciled the ind of it night. 0:16:10.721 --> 0:16:13.641 Now, my guess is not allowed to do that? Well, yeah, 0:16:13.721 --> 0:16:17.001 like it's frowned upon, absolutely frown upon being illegal. 0:16:17.161 --> 0:16:19.161 Yeah, well I don't think it's illegal I just think 0:16:19.201 --> 0:16:22.881 it's you know, it's not not best practice when but 0:16:22.961 --> 0:16:24.441 everyone a lot of people do it. 0:16:24.521 --> 0:16:26.921 How big were some of those bets in the first week. 0:16:29.201 --> 0:16:32.441 Sort of it was like one one, two hundred dollars 0:16:32.481 --> 0:16:34.001 for a win something like that. 0:16:34.561 --> 0:16:36.241 Yeah, the biggest wins. 0:16:37.001 --> 0:16:41.881 The biggest win was probably Yeah, like actually at the time, 0:16:41.921 --> 0:16:43.481 I thought I was the worst gathering the world. But 0:16:43.481 --> 0:16:45.721 you know, it turns out like it's a pretty pretty 0:16:45.761 --> 0:16:48.161 big title to get. There's a few a few nasty 0:16:48.161 --> 0:16:49.361 partners out there competition. 0:16:49.561 --> 0:16:50.561 Yeah, sure, So. 0:16:51.161 --> 0:16:53.121 Yeah I wasn't I wasn't that bad, but I wasn't great. 0:16:53.441 --> 0:16:56.201 So yeah, so I was sort of I was losing. 0:16:56.321 --> 0:17:00.801 I was losing a lot. So what I was doing 0:17:00.961 --> 0:17:03.281 was I was transferring money back onto the credit card 0:17:03.441 --> 0:17:06.600 because because once the money's there, you can transfer it 0:17:06.641 --> 0:17:08.601 anywhere else, you know what I mean, So all your 0:17:08.600 --> 0:17:11.001 linked accounts and all that sort of thing, you could 0:17:11.080 --> 0:17:13.200 just use it as normal because it was it was 0:17:13.321 --> 0:17:15.561 it was just normal money. So you can go onto 0:17:15.600 --> 0:17:19.880 internet banking, and then I could transfer more money, you know, 0:17:20.400 --> 0:17:24.440 the money i'd previously transferred with the clich from the 0:17:24.441 --> 0:17:26.561 savings acount, I could transfer it back to the credit 0:17:26.561 --> 0:17:28.840 card and then use it on the credit card. So 0:17:29.840 --> 0:17:33.000 I had online accounts and stuff like that. Yeah, and 0:17:33.001 --> 0:17:35.601 it's sort of just it's sort of just snowball. Then 0:17:35.640 --> 0:17:38.321 I was starting to get calls from like, you know, 0:17:38.360 --> 0:17:42.681 the VIP client managers and all that sort of stuff, saying, oh, 0:17:42.840 --> 0:17:45.160 you know, do you want to keep punting with us, 0:17:45.201 --> 0:17:47.681 We'll give you a deposit bonus and all this kind 0:17:47.721 --> 0:17:48.001 of thing. 0:17:48.080 --> 0:17:50.880 So, so you were some of the punting you were 0:17:50.921 --> 0:17:51.400 doing online? 0:17:51.441 --> 0:17:53.600 Then, yes, some of it online as well. 0:17:57.880 --> 0:18:01.881 Dan's not alone in his little ATM scan. He's got 0:18:01.880 --> 0:18:05.561 a crew, a bit of a posse. I mean, it's 0:18:05.640 --> 0:18:09.761 no Ocean's eleven George Clooney posse, but he has a crew. 0:18:11.360 --> 0:18:16.201 Well. I had had the chef mate Mark, another guy Evana, 0:18:17.600 --> 0:18:20.880 and stuck regulars from the apartment stuff. 0:18:20.921 --> 0:18:23.121 Okay, Sovana is just a just a bloke, but. 0:18:23.281 --> 0:18:26.120 Yeah, yeah, just a bluck on you. He used to 0:18:26.360 --> 0:18:27.880 used to come in and have a few bets at 0:18:27.921 --> 0:18:30.601 the place where I used to work at west Side. 0:18:31.041 --> 0:18:33.441 Dan has tried to keep most of his friends who 0:18:33.481 --> 0:18:37.080 don't want to be named free from his story. You'll 0:18:37.120 --> 0:18:40.840 hear some references later in the podcast to old mate. 0:18:41.640 --> 0:18:43.561 He's one of those guys who Dan says is a 0:18:43.600 --> 0:18:47.321 professional and he wants to put the glitch behind him. However, 0:18:47.400 --> 0:18:49.400 Dan did give me one of the names of his 0:18:49.441 --> 0:18:51.481 posse meet Evano. 0:18:52.360 --> 0:18:57.681 Yeah, so I'm I currently live in Wangaratta. I'll work 0:18:57.721 --> 0:19:01.801 at Dan Murphy's casually. Previously you have worked in the 0:19:01.840 --> 0:19:04.001 public service, but I decided to move back to the 0:19:04.041 --> 0:19:06.600 country town. And yeah, just trying to find my feet. 0:19:07.281 --> 0:19:09.400 Pretty easy gun bloke love. 0:19:09.441 --> 0:19:12.080 Sort of a bit like Dan. Just a nice, normal 0:19:12.120 --> 0:19:15.521 LOSSI bloke who was only eighteen when the glitch happened. 0:19:16.281 --> 0:19:19.321 They weren't mates before they met at the tavern, the 0:19:19.360 --> 0:19:23.840 West Side Tavern, or Juddies as the locals call it. 0:19:23.840 --> 0:19:27.761 It's called Juddies after as you would expect the Aussie 0:19:27.761 --> 0:19:29.761 bloke Paul Judd, who owns it. 0:19:30.481 --> 0:19:33.801 Yes, I met Dan at Juddies, a place called Juddy's 0:19:33.801 --> 0:19:36.401 Tavern in Wangarada. It's a small part and it used 0:19:36.441 --> 0:19:39.360 to be my local back in the day and yeah 0:19:39.441 --> 0:19:40.440 still still is. 0:19:40.681 --> 0:19:42.640 What do you remember about that first time that you 0:19:42.681 --> 0:19:43.121 met Dan? 0:19:43.561 --> 0:19:47.201 Ah just an easy gun bloke. We had a lot 0:19:47.241 --> 0:19:50.880 in common, easy to talk to, both loved sport. We 0:19:51.160 --> 0:19:55.160 both loved the punt. Yeah, and yeah, just an easy 0:19:55.160 --> 0:19:57.120 gun bloke who enjoyed a good time. 0:19:57.600 --> 0:20:00.440 So he was pulling beers essentially, and you're in the 0:20:00.441 --> 0:20:01.480 pub having beers. 0:20:01.640 --> 0:20:03.880 Yeah, he was one of the only bartenders there at 0:20:03.921 --> 0:20:07.241 Juddies is fairly SMA, all quite joint and yeah, we 0:20:07.281 --> 0:20:09.200 struck up a friendship pretty quickly. 0:20:09.400 --> 0:20:12.121 What do you remember about those early days of having 0:20:12.160 --> 0:20:14.801 a punt at Juddies or the West Side. Just a 0:20:14.840 --> 0:20:15.360 good time. 0:20:15.681 --> 0:20:20.600 Just yeah, enjoyed myself. Pretty laid back, but yeah we are. Yeah, 0:20:20.640 --> 0:20:23.961 we used to do the form guide together and pick 0:20:24.001 --> 0:20:26.840 out a few winners, pick pick out a quaddy and 0:20:27.001 --> 0:20:30.440 yeah we didn't have much lark. We're both pretty ordinary 0:20:30.441 --> 0:20:33.521 at the punt, so yeah, but yeah we had a 0:20:33.561 --> 0:20:34.080 lot of fun. 0:20:34.120 --> 0:20:36.080 If you're on the punt at a pub with a 0:20:36.120 --> 0:20:41.080 guy that you hardly know, he what sort of before 0:20:41.120 --> 0:20:43.441 the glitch happened, what sort of bets are you're putting on. 0:20:43.521 --> 0:20:46.120 The odd quaity fifty to one hundred bucks put fifty 0:20:46.160 --> 0:20:47.360 to one hundred bucks in each. 0:20:48.041 --> 0:20:51.440 So a quaddy is where you pick four horses across 0:20:51.080 --> 0:20:55.201 four full races and if they all come in, you 0:20:55.241 --> 0:20:57.761 get a bigger pool. Of money, right, that's correct. Yeah, 0:20:57.801 --> 0:20:59.001 did you ever win one of those? 0:20:59.441 --> 0:21:02.440 We did, Yeah, and I do remember one early on 0:21:02.561 --> 0:21:06.161 and we collected about two and a half grand each, 0:21:06.241 --> 0:21:09.640 So from one hundred dollars investment, it's a pretty good return. 0:21:09.721 --> 0:21:12.520 But Taya, there was a lot of losers in between. 0:21:12.561 --> 0:21:15.360 Mate, Talk to me what Dan's like as a bloke. 0:21:15.761 --> 0:21:20.241 Yeah, just very very generous type of person, down to earth, 0:21:21.441 --> 0:21:25.600 easy going, just enjoys a good time. Top bloker, gets 0:21:25.961 --> 0:21:29.041 pleasure from other people having a good time. If he 0:21:29.080 --> 0:21:31.321 had twenty bucks left in his bank account, your boy, 0:21:31.321 --> 0:21:34.201 you would be here. There's no question he's. Dan's definitely 0:21:35.281 --> 0:21:37.880 the type of bloke who would take his shirt off, 0:21:37.921 --> 0:21:41.640 off his back and yeah, give you his last dollar. 0:21:41.681 --> 0:21:44.601 He's that to bloke. He's very generous. 0:21:44.640 --> 0:21:48.641 And all throughout the glitch. Did that change, Did that 0:21:48.840 --> 0:21:50.961 style of person change? No, not at all. 0:21:51.080 --> 0:21:57.281 It just got bigger and he got more generous. Yeah. 0:21:57.481 --> 0:22:00.681 Talk to me about the night that he found out 0:22:00.721 --> 0:22:04.200