Speaker 1: Approache Production Episode two, Free Money Frenzy. Dan Saunders is
Speaker 1: no criminal mastermind. He's a normal aszy bloke who happened
Speaker 1: to find a glitch on his ATM card and used
Speaker 1: it to borrow one point six million dollars in cash.
Speaker 2: I'm gonna probably go to jail now for what I'm doing.
Speaker 2: Let's really test this glitch out. Let's take the Ferrari
Speaker 2: for a drive.
Speaker 1: In the last episode, we left Anne at a tiny
Speaker 1: little bar in Country Victoria after transferring two grand from
Speaker 1: his credit card to his savings account and then taking
Speaker 1: the cash out and heading home to go to bed
Speaker 1: half drunk with a bunch of cash in his wallet.
Speaker 1: That's not his Dan wakes up. You wake up after
Speaker 1: your transaction, your first transaction. You've got your wallet on
Speaker 1: your bedside table with nineteen hundred odd dollars in it.
Speaker 1: And what do you do? Do You go back to work?
Speaker 3: Yeah?
Speaker 2: I mean it wasn't It wasn't life changing money, was it.
Speaker 2: I mean it was you know, it was.
Speaker 3: Money for a new fridge and a few boobs and.
Speaker 2: Bobs and yeah, no, I seriously just thought I'd pay it,
Speaker 2: you know, I just pay it back. I thought it'll
Speaker 2: just be yeah, it'll be down in my in my
Speaker 2: savings account.
Speaker 3: And I'll just have to pay it back, you know.
Speaker 3: That's it.
Speaker 2: So I didn't really think much of it, like it
Speaker 2: wasn't really you know, it wasn't a heap of money,
Speaker 2: and I thought, well, yeah, I mean it was my
Speaker 2: card and it was my account, so you know, i'd
Speaker 2: only put myself into into debt. I thought, yeah, So
Speaker 2: I just went back to work. Yeah, I went back
Speaker 2: to you know, I think I had them shift or something,
Speaker 2: same regular, the same everything, nothing.
Speaker 3: Different really at work. Yeah.
Speaker 2: Then I left and I remember I walked down the
Speaker 2: street and I got a balance at it. I think
Speaker 2: it was like eleven PM over the balance at my
Speaker 2: savings car. I was two grand down on my savings
Speaker 2: account for some reason, like at the time it didn't register,
Speaker 2: but it had been it must have been. Twenty four
Speaker 2: hour period goes past, and then in between twelve and
Speaker 2: one I can make another transfer before it gets reversed,
Speaker 2: so before the previous one gets reversed.
Speaker 3: I didn't know this at the time.
Speaker 2: I can do a transfer any time between twelve and
Speaker 2: one am and that'll be honored for twenty four hours.
Speaker 3: Or until the bank checks over again.
Speaker 2: But the next day I can do another transfer, and
Speaker 2: then it'll take another day to click over. So basically,
Speaker 2: are you covering if I stay in front?
Speaker 3: Okay? So if I transfer, If I.
Speaker 2: Say I've spent twenty thousand dollars and I transfer forty
Speaker 2: thousand dollars, then the next night or the next day
Speaker 2: in there will be twenty thousand dollars. Right, So I've
Speaker 2: spent twenty, transferred forty, still got twenty. So basically I
Speaker 2: just needed to keep track of how much that i'd spent.
Speaker 1: And I guess that's easy when you first start.
Speaker 3: For sure. Yeah, yeah, it was easy at the start.
Speaker 1: As Dan tells me this part of the story, I
Speaker 1: can see it happening. I reckon in my younger day,
Speaker 1: I've overdrawn my credit card and used the cash and
Speaker 1: knowing that I'd have to pay it back at some point.
Speaker 1: I actually think I've done it a few times, take
Speaker 1: money out, small amounts like one hundred bucks. The credit
Speaker 1: card goes into the red and next time you try
Speaker 1: to take cash out it doesn't work, and a few
Speaker 1: days later you get a note or a call from
Speaker 1: the bank saying, hey, you're overdrawn, you need to bring
Speaker 1: it back into line. And by the way, he's a
Speaker 1: fifteen dollars overdrawn fee. Maybe after night one, Dan just
Speaker 1: cuts his losses, spends the cash, and then has to
Speaker 1: pay it back. I wonder if that's what Dan was
Speaker 1: going to do. I guess if it was, this would
Speaker 1: be a pretty boring story.
Speaker 2: It was probably like maybe one or two nights after that.
Speaker 2: I'd spent pretty much all the money. I was punting
Speaker 2: a little bit of it and was shouting most of
Speaker 2: the beers. So I went to the ATM and tried
Speaker 2: to get Actually I think I ran a phone.
Speaker 1: Back, Welcome to NAB for phone banking, Press one to
Speaker 1: speak to one of our bank. Please enter your NAB identification.
Speaker 2: And I was like, what the balance? And the balance
Speaker 2: was minus nineteen ninety seven in my in my savings caump.
Speaker 2: So I was like, yeah, that's all right. There was
Speaker 2: three dollars in there and I spent two. I transferred
Speaker 2: two grands.
Speaker 3: So that's right.
Speaker 2: So I got a balance on my credit card, and
Speaker 2: my credit card was the same. It was like it
Speaker 2: was it was the balance of what it would have
Speaker 2: been previously like without anything out of it. So I
Speaker 2: think it was like nineteen hundred and eighty used of
Speaker 2: the two thousand dollars limit or something like that. Piece
Speaker 2: by piece, I'm starting to sort of put the puzzle
Speaker 2: together of what is sort of happening.
Speaker 3: I'm like, well, what if you could do that again?
Speaker 2: And I just sort of entertained the idea in my
Speaker 2: mind and I was like, yeah, tonight after work, I'm
Speaker 2: going to go and see if I can do that again.
Speaker 3: But what time did I do it? First? About quarter
Speaker 3: past twelve ten past twelve.
Speaker 2: I went and I put my card in and I
Speaker 2: selected transfer and I selected from master Card to savings,
Speaker 2: and I said how much how much you want to transfer?
Speaker 2: It asked, and I said I'd like to transfer two
Speaker 2: thousand dollars, And so the same thing happened, which was
Speaker 2: encouraging transaction. Canceled card comes out. Then I'm like okay,
Speaker 2: So then I put the card back in. I want
Speaker 2: to get a balance on my savings.
Speaker 3: Savings count balance three bucks.
Speaker 2: So I'm like, okay, you've cleared the debt, right, the
Speaker 2: debt's cleared, and now I'm starting to learn how you
Speaker 2: do it. I'm like, okay, I can just okay it
Speaker 2: doesn't exist, and probably the same thing is going to
Speaker 2: happen if I spend, if I transfer another thousand and
Speaker 2: then spend another thousand, which why I did so right then,
Speaker 2: Right then I transferred another two because I knew I
Speaker 2: could get a thousand on each card, so I transferred
Speaker 2: another two, so then there was two in the savings account.
Speaker 2: Then I took a thousand on each card out, and
Speaker 2: then I went home.
Speaker 3: In the morning, right.
Speaker 2: The account it was down to because I took two
Speaker 2: thousand dollars out, so it was down to three dollars again.
Speaker 2: So basically it was the next night that the transfers
Speaker 2: would transpire that they'd cross back over.
Speaker 1: So it was it was like a twenty four hour period.
Speaker 1: So you make a transaction, but although you can get
Speaker 1: the money into your savings account, it's not registering on
Speaker 1: your credit card.
Speaker 3: No, for twenty four hours.
Speaker 1: Yeah, so get twenty four hours grace, yeah, to try.
Speaker 2: And would actually only ever registered when you got money out,
Speaker 2: so when the money was down, So I was taking
Speaker 2: the money out of the savings account at that point,
Speaker 2: so that account would go down, but the transfer from
Speaker 2: the credit card to the savings account would never even register.
Speaker 3: As happening.
Speaker 1: It's nuts, isn't it Moving cash he didn't have from
Speaker 1: his credit card to his savings account, and then withdrawing
Speaker 1: that cash. Then twenty four hours later the credit card
Speaker 1: shows the cash he's withdrawn, but by then he spent it.
Speaker 1: I got so many questions, Why didn't the bank call
Speaker 1: him straight away? Why didn't he just stop? Does it
Speaker 1: still work now?
Speaker 2: So then I waited and I started like I started
Speaker 2: standing on one leg a lot, which which just means
Speaker 2: checking your balance, Okay. I started checking my balance flat
Speaker 2: out on the on the phone, banking like all day
Speaker 2: every day.
Speaker 1: I was like, on it, please your identify.
Speaker 2: I didn't know at the time, but you know, subconsciously,
Speaker 2: I was sort of learning exactly what happened at which
Speaker 2: times and all the rest of it. The account. So
Speaker 2: the next day, the account stays the same. A monitor
Speaker 2: at twelve o'clock it's the same, and then at one
Speaker 2: am it's the same. And then I fall asleep and
Speaker 2: I ring up again, and then at six o'clock in
Speaker 2: the morning it's all the transfers have reversed, and the
Speaker 2: savings account's gone down. Now it's down by four thousand.
Speaker 2: I've taken four grand out of it all up, and
Speaker 2: the replacement transfers that I'm doing have been reversed. Gotcha, Right,
Speaker 2: So I'm like somewhere between three and five, that's when
Speaker 2: they do their reconciliation. That's the most clear way that
Speaker 2: I can explain it.
Speaker 1: And it's fair to say you're not some criminal mastermind.
Speaker 3: Right Well, I think you can tell just by listening to.
Speaker 2: So this was like a made up story by you know,
Speaker 2: Jay from the in Between?
Speaker 4: Yeah, yeah, yeah one you me and mate took a
Speaker 4: peddler out or we went to Africa.
Speaker 1: Do you think you would spare us the bullshit for
Speaker 1: one minute?
Speaker 2: There's people looking right now going, oh this you know,
Speaker 2: this guy's full of shit? Yeah, fair enough, Like, no problem,
Speaker 2: I understand, you know, but if I didn't live it,
Speaker 2: I wouldn't believe it either.
Speaker 3: Yeah.
Speaker 1: From that first Tuesday night through to call it a
Speaker 1: week after, how much you did taken out or transferred?
Speaker 2: See, I was just doing you know, I say, just
Speaker 2: there's still a lot of money, Like I was taking
Speaker 2: out one thousand dollars on each card at this point,
Speaker 2: I didn't really know what I had. I mean, I
Speaker 2: was just transferring a little bit more each day to
Speaker 2: keep the accounts in credit all the time because I
Speaker 2: worked out.
Speaker 3: How to do it.
Speaker 2: But ultimately I didn't really like I wasn't really going
Speaker 2: for the you know, the kill, so to speak.
Speaker 3: I wasn't like, oh, you know, I can.
Speaker 2: I eventually worked out that I could just transfer, Like
Speaker 2: I could transfer six figures at a time on an ATM,
Speaker 2: so I could transfer nine hundred and ninety nine thousand
Speaker 2: dollars at a time. And you know, in fact, months
Speaker 2: later I did transfer, you know, three lots of nine
Speaker 2: hundred thousand, just to see what had happened. And then
Speaker 2: you go in and check the balance and it's like
Speaker 2: two point seven millions.
Speaker 1: So you can't take that out through an ATM.
Speaker 2: No, you can't take it out through an ATM. But
Speaker 2: then I'm getting more curious as I go along. What
Speaker 2: you know, this first two weeks, I'm like, what if
Speaker 2: what does the bank think? Like what is the lady
Speaker 2: at the teller think?
Speaker 1: When I go in there, you're checking, you're standing on
Speaker 1: one leg, as you say, you're checking your account balance
Speaker 1: like more than daily. How you're feeling?
Speaker 2: Yeah, well, I thought that I had discovered the greatest
Speaker 2: trick in the world.
Speaker 3: Like I thought it.
Speaker 2: Was like one of those let's choose your own adventure books,
Speaker 2: you know, like it was like, if you keep making
Speaker 2: transfers at the ATM, turn to page seventy three, you know,
Speaker 2: if you don't want to do it, just go home,
Speaker 2: you know, like great, you know, it seemed like I
Speaker 2: don't know, it seemed like there wasn't any other option.
Speaker 1: Other to explore. Is there any guilt?
Speaker 3: Not really not at this point, I'm.
Speaker 1: Like an anxiety, it's too new, it's too fresh. Any anxiety,
Speaker 1: little bit, but more.
Speaker 2: Excitement, more like what's this, sort of like let's let's
Speaker 2: explore this.
Speaker 1: Like every pseudo criminal mastermind, you need a plan, the strategy,
Speaker 1: that one idea that means you can get away with
Speaker 1: the crime of the century. And Dan had a plan,
Speaker 1: not the great plan, but a plan all the same.
Speaker 1: Tell me about your strategic plan.
Speaker 2: Well, well, you got to have money to make money, right, Yeah,
Speaker 2: And yeah, we knew a couple of you know, a
Speaker 2: couple of horse trainers at the at the end, you know,
Speaker 2: got a few tips here and there, and yeah, a
Speaker 2: few of them lost. And suddenly I was in sort
Speaker 2: of a bit too deep with the punting. It started
Speaker 2: this sort of snowballed into this bit of a punting
Speaker 2: sort of trying to win the money, backing to win
Speaker 2: more money.
Speaker 1: So you're taking money out of a bank. It's not
Speaker 1: your money, Yeah, it's in my name, but it's in
Speaker 1: your name, might defense so yeah, yeah, true, your honor however,
Speaker 1: and then then you're thinking to pay back that debt
Speaker 1: that is accruing on your savings account, which is your debt.
Speaker 1: You're gonna have to pay it at some point in
Speaker 1: your mind. At this point, you're thinking, the best option
Speaker 1: here is to back number three at Wangaratta and hopefully
Speaker 1: it gets up.
Speaker 3: Yeah.
Speaker 2: Well it wasn't you know, it wasn't a solid plan,
Speaker 2: but it was planned nonetheless.
Speaker 3: I mean it was. It was.
Speaker 2: It was something that you know, all the you know,
Speaker 2: the workers at the pub and everyone at the pub
Speaker 2: you know, would sort of watch the races on a
Speaker 2: Saturday afternoon, you know, so it was sort of like, well,
Speaker 2: if we can, if we can try and get out
Speaker 2: of this, like you know, so I was you know,
Speaker 2: first I was, you know, five grand in debt, and
Speaker 2: then I was, you know, ten grand in debt, and
Speaker 2: then you know, I just kept going every night, So
Speaker 2: I mean the first within twelve nights, I probably spent
Speaker 2: you know, ten grand maybe you know, because yeah, I mean,
Speaker 2: and you know, like.
Speaker 3: The peers and stuff. Bulls became pretty good customer at
Speaker 3: the Bullshead.
Speaker 2: But that was the thinking behind it, was like, because
Speaker 2: I didn't think it was gonna I didn't even know
Speaker 2: what it was really. I knew that I could transfer
Speaker 2: money and get money out of the ATM, but I
Speaker 2: didn't really know exactly what I had and what.
Speaker 3: Was to come.
Speaker 1: You're punting? Did you do most of it at the
Speaker 1: pub you were working at mostly?
Speaker 3: Yeah?
Speaker 1: Yeah, So who was putting through the transactions?
Speaker 2: Well, it was so it was we had a few
Speaker 2: mates there who were putting.
Speaker 3: Through the transactions. But yeah, like me as well, Like
Speaker 3: I was punching in.
Speaker 1: So you would you would take money out of your
Speaker 1: own pocket?
Speaker 3: Yeah, yeah, have a bot.
Speaker 2: I had the money there, so I just sort of
Speaker 2: I just put a few bets on and then just
Speaker 2: reconciled the ind of it night.
Speaker 1: Now, my guess is not allowed to do that? Well, yeah,
Speaker 1: like it's frowned upon, absolutely frown upon being illegal.
Speaker 2: Yeah, well I don't think it's illegal I just think
Speaker 2: it's you know, it's not not best practice when but
Speaker 2: everyone a lot of people do it.
Speaker 1: How big were some of those bets in the first week.
Speaker 2: Sort of it was like one one, two hundred dollars
Speaker 2: for a win something like that.
Speaker 1: Yeah, the biggest wins.
Speaker 2: The biggest win was probably Yeah, like actually at the time,
Speaker 2: I thought I was the worst gathering the world. But
Speaker 2: you know, it turns out like it's a pretty pretty
Speaker 2: big title to get. There's a few a few nasty
Speaker 2: partners out there competition.
Speaker 3: Yeah, sure, So.
Speaker 2: Yeah I wasn't I wasn't that bad, but I wasn't great.
Speaker 2: So yeah, so I was sort of I was losing.
Speaker 2: I was losing a lot. So what I was doing
Speaker 2: was I was transferring money back onto the credit card
Speaker 2: because because once the money's there, you can transfer it
Speaker 2: anywhere else, you know what I mean, So all your
Speaker 2: linked accounts and all that sort of thing, you could
Speaker 2: just use it as normal because it was it was
Speaker 2: it was just normal money. So you can go onto
Speaker 2: internet banking, and then I could transfer more money, you know,
Speaker 2: the money i'd previously transferred with the clich from the
Speaker 2: savings acount, I could transfer it back to the credit
Speaker 2: card and then use it on the credit card. So
Speaker 2: I had online accounts and stuff like that. Yeah, and
Speaker 2: it's sort of just it's sort of just snowball. Then
Speaker 2: I was starting to get calls from like, you know,
Speaker 2: the VIP client managers and all that sort of stuff, saying, oh,
Speaker 2: you know, do you want to keep punting with us,
Speaker 2: We'll give you a deposit bonus and all this kind
Speaker 2: of thing.
Speaker 1: So, so you were some of the punting you were
Speaker 1: doing online?
Speaker 3: Then, yes, some of it online as well.
Speaker 1: Dan's not alone in his little ATM scan. He's got
Speaker 1: a crew, a bit of a posse. I mean, it's
Speaker 1: no Ocean's eleven George Clooney posse, but he has a crew.
Speaker 2: Well. I had had the chef mate Mark, another guy Evana,
Speaker 2: and stuck regulars from the apartment stuff.
Speaker 1: Okay, Sovana is just a just a bloke, but.
Speaker 2: Yeah, yeah, just a bluck on you. He used to
Speaker 2: used to come in and have a few bets at
Speaker 2: the place where I used to work at west Side.
Speaker 1: Dan has tried to keep most of his friends who
Speaker 1: don't want to be named free from his story. You'll
Speaker 1: hear some references later in the podcast to old mate.
Speaker 1: He's one of those guys who Dan says is a
Speaker 1: professional and he wants to put the glitch behind him. However,
Speaker 1: Dan did give me one of the names of his
Speaker 1: posse meet Evano.
Speaker 5: Yeah, so I'm I currently live in Wangaratta. I'll work
Speaker 5: at Dan Murphy's casually. Previously you have worked in the
Speaker 5: public service, but I decided to move back to the
Speaker 5: country town. And yeah, just trying to find my feet.
Speaker 5: Pretty easy gun bloke love.
Speaker 1: Sort of a bit like Dan. Just a nice, normal
Speaker 1: LOSSI bloke who was only eighteen when the glitch happened.
Speaker 1: They weren't mates before they met at the tavern, the
Speaker 1: West Side Tavern, or Juddies as the locals call it.
Speaker 1: It's called Juddies after as you would expect the Aussie
Speaker 1: bloke Paul Judd, who owns it.
Speaker 5: Yes, I met Dan at Juddies, a place called Juddy's
Speaker 5: Tavern in Wangarada. It's a small part and it used
Speaker 5: to be my local back in the day and yeah
Speaker 5: still still is.
Speaker 1: What do you remember about that first time that you
Speaker 1: met Dan?
Speaker 5: Ah just an easy gun bloke. We had a lot
Speaker 5: in common, easy to talk to, both loved sport. We
Speaker 5: both loved the punt. Yeah, and yeah, just an easy
Speaker 5: gun bloke who enjoyed a good time.
Speaker 1: So he was pulling beers essentially, and you're in the
Speaker 1: pub having beers.
Speaker 5: Yeah, he was one of the only bartenders there at
Speaker 5: Juddies is fairly SMA, all quite joint and yeah, we
Speaker 5: struck up a friendship pretty quickly.
Speaker 1: What do you remember about those early days of having
Speaker 1: a punt at Juddies or the West Side. Just a
Speaker 1: good time.
Speaker 5: Just yeah, enjoyed myself. Pretty laid back, but yeah we are. Yeah,
Speaker 5: we used to do the form guide together and pick
Speaker 5: out a few winners, pick pick out a quaddy and
Speaker 5: yeah we didn't have much lark. We're both pretty ordinary
Speaker 5: at the punt, so yeah, but yeah we had a
Speaker 5: lot of fun.
Speaker 1: If you're on the punt at a pub with a
Speaker 1: guy that you hardly know, he what sort of before
Speaker 1: the glitch happened, what sort of bets are you're putting on.
Speaker 5: The odd quaity fifty to one hundred bucks put fifty
Speaker 5: to one hundred bucks in each.
Speaker 1: So a quaddy is where you pick four horses across
Speaker 1: four full races and if they all come in, you
Speaker 1: get a bigger pool. Of money, right, that's correct. Yeah,
Speaker 1: did you ever win one of those?
Speaker 5: We did, Yeah, and I do remember one early on
Speaker 5: and we collected about two and a half grand each,
Speaker 5: So from one hundred dollars investment, it's a pretty good return.
Speaker 5: But Taya, there was a lot of losers in between.
Speaker 1: Mate, Talk to me what Dan's like as a bloke.
Speaker 5: Yeah, just very very generous type of person, down to earth,
Speaker 5: easy going, just enjoys a good time. Top bloker, gets
Speaker 5: pleasure from other people having a good time. If he
Speaker 5: had twenty bucks left in his bank account, your boy,
Speaker 5: you would be here. There's no question he's. Dan's definitely
Speaker 5: the type of bloke who would take his shirt off,
Speaker 5: off his back and yeah, give you his last dollar.
Speaker 5: He's that to bloke. He's very generous.
Speaker 1: And all throughout the glitch. Did that change, Did that
Speaker 1: style of person change? No, not at all.
Speaker 5: It just got bigger and he got more generous. Yeah.
Speaker 1: Talk to me about the night that he found out
Speaker 1: that he had this magic ATM card. Do you remember
Speaker 1: that night? Did you see him that night?
Speaker 5: I didn't see him that night.
Speaker 1: I saw him.
Speaker 5: I saw him the day before, but yeah, he was
Speaker 5: he was out with a mate who I knew fairly well,
Speaker 5: called Mark, and they were having beers at another venue,
Speaker 5: the Bull's Head, which is not far away from Juddy.
Speaker 5: So he finished that work, cashed up, and then headed
Speaker 5: off to the Bull's Head.
Speaker 1: When did you find out that Dan had a little
Speaker 1: bit more cash than normal?
Speaker 5: When he invited me to hang out? I look, it
Speaker 5: was it was a few days later, went out to dinner.
Speaker 5: He was buying the drinks, every every expense was on him,
Speaker 5: shouting other people drinks, shouting like I remember on that
Speaker 5: first night he s had the whole bar. I just
Speaker 5: remember thinking, what's going on? Like, you earned seven hundred
Speaker 5: bucks a week? Where's his money coming from? And at
Speaker 5: the time he said, I've had a big win, mate,
Speaker 5: Like I had a big win on the punt. And
Speaker 5: I was a bit skeptical, but yeah, I rolled along
Speaker 5: with it. And yeah, that was that was the first
Speaker 5: time I realized that on something.
Speaker 3: Yeah there's a bit of cash here. Yeah, we were
Speaker 3: doing some boisterous stuff. Yeah, like we did.
Speaker 2: We'd leave money on the ground, you know, not you know,
Speaker 2: not much like you know, five dollars, ten dollars here
Speaker 2: and there and just sort of watch people find it.
Speaker 2: You know, it's a bit but juvenile when you sort
Speaker 2: of think about it now. But it's like at the time,
Speaker 2: it was just a bit of fun. It wasn't really
Speaker 2: you know, it wasn't really serious with just someone can't
Speaker 2: you come up to us at the PubL someone.
Speaker 3: Keeps leaving like ten dollars. It's so weird. You'd be like, oh.
Speaker 2: Gee, that's that's weird, mate, that doesn't normally happen, you know.
Speaker 2: So yeah, you just spin people out a bit and
Speaker 2: just have a bit, have a bit of fun with people.
Speaker 2: There wasn't really it was me getting into a hole
Speaker 2: with punting.
Speaker 3: That's what it was at this stage.
Speaker 2: So there was drinks and stuff like that, like I'd
Speaker 2: shout a few beers, but I definitely wasn't telling the.
Speaker 3: People that I had heaps of cash.
Speaker 1: Okay, that's for sure.
Speaker 2: That went on sort of for about maybe three or
Speaker 2: four weeks, and so we start, Yeah, so I started
Speaker 2: spending a bit more as I sort of felt that
Speaker 2: this is like a this is a thing now, like
Speaker 2: this is a problem, Like you know, I've spent forty
Speaker 2: grand or something now, so it's going to be it's
Speaker 2: going to be a massive issue if I, if I
Speaker 2: sort of stop doing this, I'm going to have to
Speaker 2: pay back all the money and it's going to take
Speaker 2: me ages because I seven hundred bucks a week.
Speaker 3: Miss the missus is not going to be happy. She's
Speaker 3: going to be angry.
Speaker 1: So Belle's got no idea right now.
Speaker 3: No, No, she doesn't know nothing.
Speaker 1: She doesn't live with you, so no, she's not seeing
Speaker 1: your lifestyle.
Speaker 3: No, that's it.
Speaker 1: That's it, and you're just work late last night.
Speaker 3: Yeah, I don't know.
Speaker 2: I think I entered that sort of period of like hopelessness.
Speaker 2: Like I was like, oh, I'm going to like I'm
Speaker 2: going to keep digging myself a whole year if I
Speaker 2: keep doing it. But I'm like I don't want to
Speaker 2: stop because it's like pretty crazy and lots of fun
Speaker 2: as well. But yeah, so I was sort of like
Speaker 2: becoming conflicted as to what I should do. One Wednesday
Speaker 2: night at work, I was punting like a madman, like
Speaker 2: I was trying to win back. Yeah, I was down
Speaker 2: about forty grand I was trying to win it back
Speaker 2: and everything were punting on like I was turning over
Speaker 2: a lot of money because I was I was winning
Speaker 2: but also reinvesting.
Speaker 1: Dan newses the word reinvesting like he's a banker reinvesting
Speaker 1: in futures. But he's not. He's a barman who's reinvesting
Speaker 1: at the Dapto Dogs on a Wednesday night, trying to
Speaker 1: make back the cash he's lost, digging a bigger and
Speaker 1: bigger hole as every bunny rolls past.
Speaker 2: I know I'm in a hole, and so pushing the
Speaker 2: envelope like I'm trying to trying to get this money back.
Speaker 2: And Mark's there and he's putting on the bets. Anyway,
Speaker 2: there's no one else.
Speaker 3: In the pub.
Speaker 2: Nine am, nine pm on Wednesday night. And so anyway,
Speaker 2: the next morning comes and straight into the office, you know,
Speaker 2: I've been got caught into work early, straight in the office,
Speaker 2: still a bit bleary eyed, and the owner of the pub, Paul,
Speaker 2: is there with a conference call from Melbourne and it's
Speaker 2: Tap Corp on the phone, and you know, this guy
Speaker 2: comes over and he goes, blah blah blah from Greg
Speaker 2: from Compliance in Tap Corp in Melbourne, would you like
Speaker 2: to do this here or would you like to do
Speaker 2: this in Melbourne. I'm like, well, depends what it is.
Speaker 2: Okay that it wasn't bonus bets anyway, the safe being checked,
Speaker 2: the till's been checked, and all the money is there.
Speaker 3: Basically, you know, we've got all the evidence in.
Speaker 2: The world to say that you were punting like heavily
Speaker 2: behind the bar where you work last night, and yeah, okay,
Speaker 2: there's no issue because you know, you haven't stolen money.
Speaker 2: So there's a thought that I'm stealing the money, you know,
Speaker 2: like I'm basically putting on bets so I don't have
Speaker 2: the money to cover, all right, that's what they're you know,
Speaker 2: because we've turned over more money on a Wednesday night
Speaker 2: than the whole pub would turn over in a month.
Speaker 2: You know, there's quite a lot of money, so let's
Speaker 2: put a massive spike in at headquarters. You know what's
Speaker 2: going on up here in one great sleepy old West
Speaker 2: side tabn't. Basically, they said, look, you can't bet at work.
Speaker 2: You know, you've all your licenses roked. I didn't even
Speaker 2: have one, but it's revoked, and you can't work in
Speaker 2: another tea you know, for at least a year.
Speaker 3: And then they had the audacity to ask me.
Speaker 2: They just fired me, and then they had the audacity
Speaker 2: to ask me if I had a gambling problem. And
Speaker 2: I said, have you got all your money? And they
Speaker 2: said yes, And I said, well you tell me, you
Speaker 2: tell me got off the call, and then Paul, the
Speaker 2: owner of the pub, sort of said, look, mate, you
Speaker 2: know I need someone to operate the tab. If you
Speaker 2: can't operate the tab, then you know I can't employ,
Speaker 2: you know, like that's it. So I was like, okay, well,
Speaker 2: well yeah, you're all done. You fired, you know, that's it.
Speaker 2: I was like, okay, yeah, fair enough. I was sort
Speaker 2: of walking around. It's really hot day. I remember, I
Speaker 2: was just walking around. I was like what to do now?
Speaker 2: And I thought, it's all right, Like I've you know,
Speaker 2: I've still got like I've got a little bit of money.
Speaker 2: I can, you know, sort of get something else and
Speaker 2: everything will find will be all right. Bell doesn't really
Speaker 2: you know, Bell doesn't you know about it or anything. Yeah,
Speaker 2: so it's all good. I'll just you know, sort of
Speaker 2: swooping out of the car.
Speaker 1: But oh, that's right. Dan Scott a fiance. They've been
Speaker 1: together for four years. They're saving for a house. She's
Speaker 1: living down the road with her family, and Dan has
Speaker 1: been firehead. He's in a lot of dead and things
Speaker 1: are starting to spiral.
Speaker 2: But anyway, small town things are travels fast. So she yeah,
Speaker 2: she sends me a text the same pretty much the
Speaker 2: same day, just out of the blue, and it says,
Speaker 2: I'm not sure what you're into, but I want no
Speaker 2: part of it and.
Speaker 3: That's it for us. And I was like, Okay, I
Speaker 3: understand why.
Speaker 2: She would have done it, because there would have been
Speaker 2: people in town going, he's off the rails and all
Speaker 2: the rest of it. Yeah, but it hurt me at
Speaker 2: the time. I didn't get a conversation with her. I
Speaker 2: didn't get to sort of say because I probably would
Speaker 2: have admitted to her what was going on, but it
Speaker 2: was it was just the severing of text.
Speaker 3: It was like, oh, you know, fuck you know.
Speaker 2: I was like, well, I sort of reacted to it
Speaker 2: a bit, and that's when I sort of developed a
Speaker 2: bit of a like a like I had a the
Speaker 2: only thing going right in my life was a was a.
Speaker 3: Magic credit card.
Speaker 2: And now I had a reason to sort of like,
Speaker 2: you know, be a bit shitty, you know at the world.
Speaker 2: I don't know.
Speaker 1: You and Belle had been together for four years, yeah,
Speaker 1: four years, saving for a house together, yeah, you know,
Speaker 1: dreams of marriage, being together forever, et cetera. Yeah, yeah,
Speaker 1: that's that obviously hurts. And then being split up with
Speaker 1: my text over probably someone else saying something I'm guessing
Speaker 1: that's yeah eventuated. Have have you ever reconnected with Belle?
Speaker 2: Oh? Yeah, absolutely, there's no there's no hard feelings there.
Speaker 2: I mean she's you know, she's she's married. I think
Speaker 2: she has kids. I think you know, but they're definitely
Speaker 2: like we've spoken since and yeah, there's no there's no
Speaker 2: real will there, but it's just at the time, you know,
Speaker 2: like you just react in little situations you like I will,
Speaker 2: like you could have at least given me, like a
Speaker 2: chance to explain it to you, because I was probably
Speaker 2: looking for an outlet to do that as well.
Speaker 1: Right about now before the end of this episode, you
Speaker 1: can hear the desperation in Dan situation. He's in massive debt,
Speaker 1: he's been fired. Nobody from the bank is calling to say, hey, buddy,
Speaker 1: you've got forty k dead on your credit card and
Speaker 1: you only earn seven hundred bucks a week. I hang
Speaker 1: on used to earn seven hundred bucks a week. His
Speaker 1: fiance is split up with him via text, although she
Speaker 1: doesn't know what he's been out to This is not
Speaker 1: just a you girlfriend boyfriend. This is you know, yeah, we.
Speaker 2: Had plans, absolutely, but I mean, you know, how like
Speaker 2: I think of it now and I'm like, well, how
Speaker 2: serious must I have been about those plans, because like
Speaker 2: I was, you know, like I don't know, like I
Speaker 2: just got into this thing, and I was in this
Speaker 2: this vortex of this thing, and I was like, you know,
Speaker 2: I guess I guess when anyone has like a problem
Speaker 2: with punting or something like that, you know, they probably
Speaker 2: need someone to sort of step in and go, hey,
Speaker 2: you know, it's probably not the best thing for you.
Speaker 2: But you know, I'm gonna well, you know, you probably
Speaker 2: don't want to hear this, but I'm going to tell
Speaker 2: you that you need to. You know, he's he's up
Speaker 2: a bit because otherwise, you know, you can can get
Speaker 2: into a bit of a spiral. So anyway, I had
Speaker 2: no reason to be there anymore.
Speaker 1: By this stage, Dan's a little lost, but he still
Speaker 1: has the magic card and he still knows about the
Speaker 1: glitch and has mates like Evano who can help him
Speaker 1: spend it.
Speaker 5: He certainly loved her, loved her a lot. Yeah, she
Speaker 5: was a lot different, very very religious. She's a teacher,
Speaker 5: very quiet. Yeah, a bit different to Dan, but I
Speaker 5: guess they certainly got along very well.
Speaker 1: We think, well, he's probably going to get married and
Speaker 1: have kids and do all that stuff.
Speaker 5: At that stage. Yeah I did.
Speaker 1: Yeah, yeah he was.
Speaker 5: He was very serious with his partner.
Speaker 1: And yeah, does that family still live in Wangaratta. They do.
Speaker 5: Yeah, they live in a small town called Glamoro and
Speaker 5: they're a big, big Italian family. So my family's got
Speaker 5: a fit a little bit to do with them.
Speaker 1: Yeah, oh wow, okay, so you would still see them
Speaker 1: around definitely. Yep. Does Belle still live in wangarrett She does, Yeah,
Speaker 1: she does, but she's married off now with kids and.
Speaker 5: Yeah, different family. I think her and Diana they've spoken
Speaker 5: not too long ago, but yeah, she's a yeah, moved on,
Speaker 5: had kids.
Speaker 1: And there was one person who knew what Dan was
Speaker 1: doing with the ATM glitch, his chef mate and drinking partner, Mark.
Speaker 3: The only person I told up until then was was Mark.
Speaker 2: But he was just like, you know, I don't know
Speaker 2: what you're doing, man, but I don't want to talk
Speaker 2: about it, Like you know, you just do what you're doing,
Speaker 2: and you know, we'll go out for beers and stuff
Speaker 2: and it'll be cool.
Speaker 3: You know, it's very dry, very funny. Guys like, look,
Speaker 3: I don't know what you're into, but I'm not. I'm
Speaker 3: not into it. YEA fair enough?
Speaker 2: Then I had Yeah, I had no job, I had
Speaker 2: no fiance, so there was no I had no reason
Speaker 2: to be there anymore. Mark had a few days off,
Speaker 2: so I said to Mark, do you want to go there?
Speaker 2: You know, you want to go to Capital City. He's like, yeah, on,
Speaker 2: let's go. I remember we just got the train, very
Speaker 2: very very humble, and it was the middle of the night,
Speaker 2: and literally got off the train and spent the street
Speaker 2: station and we walked down to the Crown Plaza where hotel,
Speaker 2: and we knocked on the door and we must have
Speaker 2: looked like, you know, the rabble, so they didn't.
Speaker 3: Open the door. They're like, we're full, and I was like,
Speaker 3: oh yeah, okay.
Speaker 2: So we walked around to Crown which is very close,
Speaker 2: and the Crown Promenade was full apparently, and they said,
Speaker 2: why don't you try Crown Towers. There's a few. I
Speaker 2: was like, okay, Crown Towers good. So crowns they're probably
Speaker 2: the towers is the best, you know, the better one
Speaker 2: other two. So I was like, okay, well I wanted
Speaker 2: to Like I wasn't trying to go I wasn't trying
Speaker 2: to go big. I was just you know, I want
Speaker 2: to go to the Crown Plaza, you know, hundred bucks
Speaker 2: a night. You know, Crown Tower six hundred bucks a night.
Speaker 2: So I was like, okay, did you have cash or no.
Speaker 2: I was like I worked out by now that I
Speaker 2: could use the credit card as well, so it was
Speaker 2: I could also go to the ATM and transfer from
Speaker 2: the master card option to the credit card option, which
Speaker 2: is essentially the same account, but it's still do the
Speaker 2: same thing, so I could transfer. So now I had
Speaker 2: two cards going. I rented a hotel room for a
Speaker 2: couple of nights just with Mark and I, just like
Speaker 2: a twin room.
Speaker 3: And I remember we checked in and he's.
Speaker 2: Lived in Graphing one grata and he's like he's got
Speaker 2: the the electronic blinds and he's just putting them across
Speaker 2: and then he was like, what's about the window? And
Speaker 2: he gets imagine this was your life, you know, it's
Speaker 2: like always stuck with that thing.
Speaker 3: It was like, yeah, we entered another world on that night.
Speaker 1: Like that was like that was the time, So that's
Speaker 1: we will lead episode two Gains cashed up with the
Speaker 1: bank's money and he's back in Melbourne and about to
Speaker 1: be a rock star.
Speaker 2: It was probably a month in also, and I think
Speaker 2: that's been about fifty Can I can.
Speaker 3: Do it again? I want to do it again in
Speaker 3: case yeah, good again, like more than me?
Speaker 2: Like he hated the banks, so he started on this steam.
Speaker 4: Well, you've been given a gift and you if you
Speaker 4: fucked this up, that's going to be like the world's
Speaker 4: worst thing ever because you've been like you're the chosen both.
Speaker 3: You could fix your problems with the stroke of a.
Speaker 2: Key on an ATM. It was like it was like
Speaker 2: crack cocaine of scamps, you know, reality.
Speaker 3: Who wants to live there?