0:00:02 > 0:00:07When Monarch Airlines crashed, what happened to its staff?
0:00:07 > 0:00:10Nearly a month after the budget airline Monarch went under,
0:00:10 > 0:00:12we catch up with the former employees who lost
0:00:12 > 0:00:14their jobs in Luton.
0:00:14 > 0:00:17I feel all of that hard work that myself and other people then
0:00:17 > 0:00:22training had and put into it, it's sort of just disappeared.
0:00:22 > 0:00:25We track down the man behind a property investment scheme that's
0:00:25 > 0:00:29left savers thousands of pounds out of pocket.
0:00:29 > 0:00:30We've come to ask where the...
0:00:30 > 0:00:33Where investors' money is?
0:00:33 > 0:00:34Could you leave?
0:00:34 > 0:00:37Could you get the BLEEP out before I phone the police?
0:00:37 > 0:00:39Thank you.
0:00:39 > 0:00:41And Finn, the police dog who was stabbed,
0:00:41 > 0:00:43is awarded Animal of the Year award.
0:00:43 > 0:00:48We follow him from injury to recovery and the road to stardom.
0:00:48 > 0:00:51He kind of went from being my police dog to very much being my therapy
0:00:51 > 0:00:55dog during those early weeks.
0:00:55 > 0:00:57Revealing the stories that matter closer to home.
0:00:57 > 0:01:07That's tonight's Inside Out.
0:01:11 > 0:01:13Hello, this is Happisburgh on the Norfolk coast.
0:01:13 > 0:01:17It's the favourite beach of a very special retired police officer
0:01:17 > 0:01:19who we'll meet later on in the programme.
0:01:19 > 0:01:21It's almost a month since the collapse of Luton
0:01:21 > 0:01:22based airline Monarch.
0:01:22 > 0:01:26The company employed 2,000 people, 600 of them at its Luton HQ.
0:01:26 > 0:01:28The collapse shocked the town.
0:01:28 > 0:01:31Now, Inside Out has been back to meet some of those
0:01:31 > 0:01:34who lost their jobs and to find out if anything could have been done
0:01:34 > 0:01:44to save the airline.
0:01:46 > 0:01:47Here's our reporter.
0:01:47 > 0:01:49Flying has been a lifelong passion for Joe Mwamburi.
0:01:49 > 0:01:53He recently got his private pilot's licence.
0:01:53 > 0:01:56Bit of a blowy day.
0:01:56 > 0:01:59That was a lovely takeoff.
0:01:59 > 0:02:04I just got the bug since I had my first aircraft experiene
0:02:04 > 0:02:07I just got the bug since I had my first aircraft experience
0:02:07 > 0:02:12going on holiday when I was back in Africa flying to Zimbabwe
0:02:12 > 0:02:14and the takeoff was a great feeling, and since then I've always
0:02:15 > 0:02:16had the interest.
0:02:16 > 0:02:17The feeling of flying is just absolutely amazing.
0:02:17 > 0:02:20For the past year and a half, Joe's worked as cabin crew
0:02:20 > 0:02:21for Monarch Airlines.
0:02:21 > 0:02:25But what he really wanted to do was fly one of their planes.
0:02:25 > 0:02:28Sadly, that's not going to happen now and his dream of becoming
0:02:28 > 0:02:34a professional pilot is on hold.
0:02:34 > 0:02:37Joe was one of over 2,000 people who lost their jobs
0:02:37 > 0:02:38when Monarch went bust.
0:02:38 > 0:02:41It took me a couple of days to get over the shock
0:02:41 > 0:02:43and actually realise, well, Monarch has actually gone
0:02:43 > 0:02:46under, haven't got a job at Monarch any more.
0:02:46 > 0:02:54And then it was disappointment, and then it went into stages
0:02:54 > 0:02:56of anger at some point.
0:02:56 > 0:02:59From small beginnings back in the '60s, the Luton based firm
0:02:59 > 0:03:08grew to employ nearly 650 at its HQ in the town.
0:03:08 > 0:03:10A further 1,500 staff worked at other bases around the UK.
0:03:10 > 0:03:13Terrorism, Brexit and the falling value of the pound were all
0:03:13 > 0:03:16blamed for its demise.
0:03:16 > 0:03:18It's fair to say that Monarch's collapse really shocked people
0:03:18 > 0:03:20living here in Luton.
0:03:20 > 0:03:22The company was one of the town's major employers, and it started
0:03:22 > 0:03:26right here 50 years ago.
0:03:26 > 0:03:28And since it's gone, there's been a real sense of loss
0:03:28 > 0:03:30that's swept over Luton.
0:03:30 > 0:03:35People had genuine affection for this airline.
0:03:35 > 0:03:40Danielle Kelly-Keener was another of those who lose their job
0:03:40 > 0:03:43Danielle Kelly-Keener was another of those who lost their job
0:03:43 > 0:03:44when Monarch grounded its jets.
0:03:44 > 0:03:46She worked as cabin crew for the airline
0:03:46 > 0:03:47and flew all over Europe.
0:03:47 > 0:03:49I sat in Starbucks one morning waiting for a shift,
0:03:49 > 0:03:53and I saw a plane go over the head of the building I was in.
0:03:53 > 0:03:56I really, really love working with customers
0:03:56 > 0:03:58and talking to people, and I felt that maybe put
0:03:58 > 0:04:02two and two together, so I saw a Monarch advertisement
0:04:02 > 0:04:05on Facebook and I applied.
0:04:05 > 0:04:06Wow.
0:04:06 > 0:04:07And you did it.
0:04:07 > 0:04:08I did, yes.
0:04:08 > 0:04:09Fantastic.
0:04:09 > 0:04:11And I can see here, is this your uniform?
0:04:11 > 0:04:13Yeah, that's my uniform, yeah.
0:04:13 > 0:04:15That was the pride and joy, the Monarch pride and
0:04:15 > 0:04:16joy, with our scarf.
0:04:16 > 0:04:19I would make sure, I would try and look immaculate every single
0:04:19 > 0:04:20shift, every flight, to represent the company.
0:04:21 > 0:04:22I loved the colours as well.
0:04:22 > 0:04:23And the wings.
0:04:23 > 0:04:28Our wings badge, in which all the training was successful.
0:04:28 > 0:04:32How did you feel when you heard the bad news that unfortunately
0:04:32 > 0:04:33Monarch was no longer to be?
0:04:33 > 0:04:35I was absolutely distraught.
0:04:35 > 0:04:37It was four o'clock in the morning.
0:04:37 > 0:04:38I was potentially going to fly to Rome.
0:04:38 > 0:04:41My friend text me saying, "Don't go into work,
0:04:41 > 0:04:45turn on the news now."
0:04:45 > 0:04:47And some breaking news in the past few minutes,
0:04:47 > 0:04:50the UK's fifth largest airline Monarch has gone
0:04:50 > 0:04:52into administration.
0:04:52 > 0:04:54And it was headlines, "Monarch have gone into administration."
0:04:54 > 0:04:56I was absolutely...
0:04:56 > 0:04:58I was confused, I was upset.
0:04:58 > 0:05:04But at the Sam Braye time, I didn't know what to do.
0:05:04 > 0:05:05-- same time.
0:05:05 > 0:05:07Do you feel angry and let down?
0:05:07 > 0:05:08I feel absolutely gutted, yes.
0:05:08 > 0:05:11I feel that all of that hard work that myself and other people
0:05:11 > 0:05:14within training had and put into, it's sort of just disappeared.
0:05:14 > 0:05:19Sam Bray knows this journey through Luton
0:05:19 > 0:05:21like the back of his hand.
0:05:21 > 0:05:25It's a trip he's made most days for the past two and a half years.
0:05:25 > 0:05:30Sam used to fly planes for Monarch.
0:05:30 > 0:05:32What I loved about being a pilot for Monarch,
0:05:32 > 0:05:38especially with Monarch, the people really made the airline.
0:05:38 > 0:05:41No matter how long a day you had at work, whether it's to Tel AViv
0:05:41 > 0:05:44and back or whether it's a really short Balearic island hop,
0:05:44 > 0:05:46it was always really good fun.
0:05:46 > 0:05:47You'd always have a laugh with everyone.
0:05:47 > 0:05:50Luton being such a small base as well, it was like
0:05:50 > 0:05:55flying with your family or your best friends.
0:05:55 > 0:05:59On 2nd October, Sam was on holiday, blissfully unaware of the news
0:05:59 > 0:06:01he was about to receive.
0:06:01 > 0:06:04A shock e-mail would confirm that the company he worked for,
0:06:04 > 0:06:14for the past two and a half years, had gone bust.
0:06:15 > 0:06:18Sam, you've recently found out that you have lost your job with Monarch.
0:06:18 > 0:06:20How did it feel when you heard the news?
0:06:20 > 0:06:22Gutting, really.
0:06:22 > 0:06:25Losing a job you've worked so hard for, for a number of years,
0:06:25 > 0:06:27it does tear you apart a little bit.
0:06:27 > 0:06:29But then you realise what Monarch was and how
0:06:29 > 0:06:31it was made by the people.
0:06:31 > 0:06:33It was heartbreaking more than anything.
0:06:33 > 0:06:36Just knowing that you won't work with the majority of those people
0:06:36 > 0:06:38again and those friendships, and I will keep them,
0:06:38 > 0:06:42but you won't have the relationship you did when you went
0:06:42 > 0:06:44to go flying together.
0:06:44 > 0:06:46On a positive note, though, you're a pilot.
0:06:46 > 0:06:49Surely people are crying out for pilots at the moment?
0:06:49 > 0:06:50Will you get another job?
0:06:50 > 0:06:52Thankfully, to be redundant, it's not a bad time.
0:06:52 > 0:06:55Airlines are recruiting for next summer, mainly.
0:06:55 > 0:06:57Hopefully, fingers crossed, there won't be too much of a wait
0:06:58 > 0:07:00for all of us to get new jobs.
0:07:00 > 0:07:02The collapse of Monarch shocked a lot of people.
0:07:02 > 0:07:04How on earth did this happen, Sam?
0:07:04 > 0:07:07How did a company like Monarch go bust?
0:07:07 > 0:07:10I think, I mean, it's been in the news for a couple of years
0:07:10 > 0:07:13that Monarch's financial situation hasn't been great.
0:07:13 > 0:07:18Being such a small business as well, it really was affected by last year
0:07:18 > 0:07:20and this year's terrorist attacks, especially when so much
0:07:20 > 0:07:23of our business was made up in Egypt and Turkey and Spain.
0:07:23 > 0:07:26Do you think they could have done anything differently?
0:07:26 > 0:07:29I think potentially looked into cost saving a few more years ahead.
0:07:29 > 0:07:32It's no secret in the company that it was haemorrhaging money.
0:07:32 > 0:07:35If we'd have done it a few years earlier, who knows?
0:07:35 > 0:07:39If we'd look to maybe be proactive rather than reactive
0:07:39 > 0:07:42to things in the world, then, yeah, who knows?
0:07:42 > 0:07:46As well as significant job losses, more than 3,000 people
0:07:46 > 0:07:48lost their holiday bookings.
0:07:48 > 0:07:52In the biggest repatration since the war, the government chartered 30
0:07:52 > 0:07:55planes to collect stranded tourists.
0:07:55 > 0:07:58Monarch was the UK's fifth biggest airline
0:07:58 > 0:08:01and the largest ever to collapse.
0:08:01 > 0:08:06Local MP Gavin Shuker believes a change in the law could help.
0:08:06 > 0:08:09We need to look at what happens when an airline goes
0:08:09 > 0:08:10into administration.
0:08:10 > 0:08:13In other countries, they continue to operate.
0:08:13 > 0:08:14Here, they haven't.
0:08:14 > 0:08:18If we can fix that part of the law, I think they'll be a brighter future
0:08:18 > 0:08:19for our other aviation industries.
0:08:19 > 0:08:23What do you feel should be done now?
0:08:23 > 0:08:25In the long term, I'm sure those that have got aviation
0:08:25 > 0:08:27skills will find work.
0:08:27 > 0:08:29But it's those without those direct aviation skills
0:08:29 > 0:08:32where I'm the most concerned.
0:08:32 > 0:08:34What have you called for government to do?
0:08:34 > 0:08:35I've spoken to the Civil Aviation Authority,
0:08:35 > 0:08:38the Aviation Minister, the unions, the administrators,
0:08:38 > 0:08:42to see whether or not we can get a hub together to make sure there's
0:08:42 > 0:08:44a simplified process for getting people back into work.
0:08:44 > 0:08:46The Department for Work and Pensions told us that
0:08:46 > 0:08:50Jobcentre Plus are working closely with former Monarch employees
0:08:50 > 0:08:55to help them find alternative employment as quickly as possible.
0:08:55 > 0:08:57And that they'd sourced more than 6,000 vacancies
0:08:57 > 0:09:00across the major UK based airlines, which should help former
0:09:00 > 0:09:05Monarch employees remain in the airline industry.
0:09:05 > 0:09:08There you go. You're very welcome.
0:09:08 > 0:09:10The loss of a company like Monarch Airways
0:09:10 > 0:09:12is a big blow to Luton.
0:09:12 > 0:09:15And of course to those who lost their jobs.
0:09:15 > 0:09:18A month on from losing her job as cabin crew, Danielle has found
0:09:18 > 0:09:21some temporary work at a sports bar in Dunstable.
0:09:21 > 0:09:24But it's not what she wants to do.
0:09:24 > 0:09:27She's desperate to get back flying again.
0:09:27 > 0:09:29Hasn't this experience put you off it?
0:09:29 > 0:09:32I mean, the airline industry can be so precarious.
0:09:32 > 0:09:34Yeah, it can be, but unfortunately there's risks in everything
0:09:34 > 0:09:38you do within life, jobs, hobbies, anything.
0:09:38 > 0:09:40So it hasn't put me off in the slightest.
0:09:40 > 0:09:44If anything, it's pushed me to want to do a career that I do love,
0:09:44 > 0:09:46and hopefully with other airlines who will hopefully
0:09:46 > 0:09:50sweep me up and take me back into the skies again.
0:09:50 > 0:09:53Back at North Weald Airfield, Joe Mwamburi also refuses
0:09:53 > 0:09:55to give up on his dreams.
0:09:55 > 0:09:58Despite the setback, he remembers his time at Monarch
0:09:58 > 0:10:00with great affection.
0:10:00 > 0:10:03For me, I was only there for a year and a half.
0:10:03 > 0:10:05Everyone welcomed me into the company and
0:10:05 > 0:10:06made me feel at home.
0:10:06 > 0:10:10I'm still young, I've still got quite a bit of time in front of me.
0:10:10 > 0:10:12But for people who gave their whole career towards Monarch,
0:10:12 > 0:10:15my thoughts are with them, and hopefully they can get
0:10:15 > 0:10:16the support they need.
0:10:16 > 0:10:20End game for me is definitely to get back up in the air
0:10:20 > 0:10:26and get back flying, because I can't get enough of it.
0:10:26 > 0:10:28Good luck to those guys for the future.
0:10:28 > 0:10:31Now, if there's something you think we should be doing a story
0:10:31 > 0:10:33about here on the programme, you can get in touch
0:10:33 > 0:10:35on twitter @david-insideout, or send me an e-mail,
0:10:35 > 0:10:38david.whiteley@bbc.co.uk.
0:10:38 > 0:10:41This is Inside Out for the east of England, right here on BBC One.
0:10:41 > 0:10:44Later on, we find out how police dog Finn recovered
0:10:44 > 0:10:47after saving his handler's life.
0:10:47 > 0:10:51Not only had he saved my life on that night, but he then went
0:10:51 > 0:10:59on to continue to do that over the next coming weeks.
0:10:59 > 0:11:02They've been left thousands of pounds of out of pocket
0:11:02 > 0:11:05and with no explanation about what's happened to their money.
0:11:05 > 0:11:07Investors in a property scheme have told us they want
0:11:07 > 0:11:08some serious answers.
0:11:08 > 0:11:12Has their top tip turned out to be a non-runner?
0:11:12 > 0:11:19Jon Cuthill investigates.
0:11:19 > 0:11:24A flutter on the horses can be tempting.
0:11:24 > 0:11:32Especially when that sure bet is looking you right in the eye.
0:11:32 > 0:11:35And like horse racing, financial investments also need
0:11:35 > 0:11:43a bit of luck if they're to pay out.
0:11:43 > 0:11:46Come on!
0:11:46 > 0:11:49But if that investment tip falls at the first hurdle,
0:11:49 > 0:11:56you might find you've backed the wrong horse.
0:11:56 > 0:12:00That's exactly what happened to Stephen Perry from Ringwood.
0:12:00 > 0:12:02Stephen, hi. Jon.
0:12:02 > 0:12:05Stephen was investing for his future and the current low interest rates
0:12:05 > 0:12:09being offered by banks weren't very tempting.
0:12:09 > 0:12:13I'm virtually retired now and I had an amount of capital that I wanted
0:12:13 > 0:12:17to put away and earn some income from.
0:12:17 > 0:12:19I have two kids at school.
0:12:19 > 0:12:21They're going to be going to university before I know it
0:12:22 > 0:12:26and they're expensive!
0:12:26 > 0:12:32Eager to start investing, Stephen found a broker online.
0:12:32 > 0:12:34They claimed that they did all the due diligence,
0:12:34 > 0:12:41they only offered reliable products, so I trusted them.
0:12:41 > 0:12:45The broker introduced Stephen to Forbes Capital ? it was offering
0:12:45 > 0:12:48a secured two year investment in a social housing
0:12:48 > 0:12:52scheme based in Chicago.
0:12:52 > 0:12:55Forbes Capital was promising high returns.
0:12:55 > 0:13:00So Stephen invested £70,000.
0:13:00 > 0:13:06They were purchasing property, so there were assets
0:13:06 > 0:13:09against which if things went wrong, at least I would get some,
0:13:09 > 0:13:11if not all, of the money back.
0:13:11 > 0:13:13For Stephen, it sounded like the perfect investment
0:13:13 > 0:13:15and he wasn't the only one who thought so.
0:13:15 > 0:13:16Records we've seen show investors have paid
0:13:17 > 0:13:24£440,000 to Forbes Capital.
0:13:24 > 0:13:26This man, Tony Belli, and his fiance invested
0:13:26 > 0:13:28£5,000 to help pay for their wedding.
0:13:28 > 0:13:32To date, they haven't received a penny.
0:13:32 > 0:13:36Others invested lump sums from their pensions.
0:13:36 > 0:13:38I would like to take this opportunity to welcome
0:13:38 > 0:13:43you to Forbes Capital Ltd as a valued investor
0:13:43 > 0:13:49in respect of your of £40,000.
0:13:49 > 0:13:5264-year-old Premnath Nunkoo was a NHS nurse for over 40 years
0:13:52 > 0:13:58and has recently retired.
0:13:58 > 0:14:00He dipped into his pension pot to invest with Forbes Capital.
0:14:00 > 0:14:03I decided to make some investment.
0:14:03 > 0:14:10I invested £40,000 and that investment was for two years.
0:14:10 > 0:14:14Forbes Capital promised to return all of his investment at the end
0:14:14 > 0:14:18and pay him £400 every month.
0:14:18 > 0:14:22Even I've had a payment schedule from the managing
0:14:22 > 0:14:27director to tell me how much I was going to get.
0:14:27 > 0:14:30At the time, I thought it was a good return,
0:14:30 > 0:14:35that's the main reason I invested and it was a regular income,
0:14:35 > 0:14:42monthly income, as since I'm retired I am getting less money every month.
0:14:42 > 0:14:49So to make it up, that's the main reason I invested in Forbes Capital.
0:14:49 > 0:14:54Premnath only received four interest payments and then they dried up.
0:14:54 > 0:15:00He's contacted Forbes Capital to ask where his money was but they didn't
0:15:00 > 0:15:03return his calls or respond to his emails.
0:15:03 > 0:15:06After a life time of helping others, he hoped this investment would help
0:15:06 > 0:15:09him and his family financially.
0:15:09 > 0:15:13I'm extremely worried about the capital of £40,000
0:15:13 > 0:15:17because I have worked hard for that.
0:15:17 > 0:15:20I'm worried about the returns as well because I was told
0:15:20 > 0:15:22I was going to get that.
0:15:22 > 0:15:28I'm really really frustrated about that because I did
0:15:28 > 0:15:34trust that company.
0:15:34 > 0:15:37So who is behind this company?
0:15:37 > 0:15:40The main shareholder of Forbes Capital is this man,
0:15:40 > 0:15:46Peter Shuttleworth, he previously was a director for Colonial Capital
0:15:46 > 0:15:51which offered an almost identical investment opportunity ? that firm
0:15:51 > 0:15:56went under owing millions.
0:15:56 > 0:15:59Forbes Capital is unregulated and for investors that can
0:15:59 > 0:16:02mean risky business.
0:16:02 > 0:16:04If you're dealing with an unregulated investment
0:16:04 > 0:16:06scheme, if you're dealing with an unregulated broker,
0:16:06 > 0:16:09this is no different to handing your life savings over
0:16:09 > 0:16:12to a man in the pub and hoping that he will give it back
0:16:12 > 0:16:14to you again one day.
0:16:14 > 0:16:17With 30 years' experience in the financial services,
0:16:17 > 0:16:20Tom McPhail specialises in retirement planning
0:16:20 > 0:16:22and investments.
0:16:22 > 0:16:24You've looked at the details of the Forbes Capital offer
0:16:24 > 0:16:27investment, what do you think of it?
0:16:27 > 0:16:30The two things that really worried me about it were first
0:16:30 > 0:16:32of all the multiple layers of uncertainty around the Chicago
0:16:32 > 0:16:35property market, the US government, the fact it's an overseas
0:16:35 > 0:16:37investment, so lots of uncertainties there,
0:16:37 > 0:16:40but more than anything the fact that is an unregulated
0:16:40 > 0:16:42investment scheme.
0:16:42 > 0:16:44So the UK regulator, the Financial Conduct Authority
0:16:44 > 0:16:48has no control over it, it also means if anything goes wrong
0:16:48 > 0:16:52you have no come back.
0:16:52 > 0:16:55An investment broker, Templar Invest, based in Spain acted
0:16:55 > 0:17:01as a middle man between investors and Forbes Capital.
0:17:01 > 0:17:05But even when investors started reporting that they
0:17:05 > 0:17:07hadn't received their monthly payments from Forbes Capital,
0:17:07 > 0:17:13Templar Invest continued to sign people up to the scheme.
0:17:13 > 0:17:16Templar Invest is currently being investigated by
0:17:16 > 0:17:18the Financial Conduct Authority.
0:17:18 > 0:17:25It says that it too was misled by Forbes Capital and that it has
0:17:25 > 0:17:28now had to cease trading.
0:17:28 > 0:17:31But that's of little comfort to Stephen when the company
0:17:31 > 0:17:33he invested in isn't paying out what it promised.
0:17:33 > 0:17:36So since you invested the money in Forbes Capital have you had
0:17:36 > 0:17:37any contact from them?
0:17:37 > 0:17:39No, the only contact I had was the bond certificate
0:17:39 > 0:17:41and a payment schedule and a covering letter that came
0:17:42 > 0:17:44in the post back in April.
0:17:44 > 0:17:50Since that time, I've sent emails left phone messages and nothing.
0:17:50 > 0:17:56When you realised that perhaps this investment hadn't worked
0:17:56 > 0:17:58hadn't worked out - how do you feel?
0:17:58 > 0:17:59£70,000 is a huge amount of money.
0:17:59 > 0:18:06Obviously I was upset and I tried everything I contacted
0:18:06 > 0:18:14the Financial Conduct Authority, the financial ombudsman,
0:18:14 > 0:18:16Action Fraud hotline, the serious fraud office, my MP,
0:18:16 > 0:18:19I just wanted answers as to what happened to this money.
0:18:19 > 0:18:23Are you kind of resigned to the fact of not seeing that money again?
0:18:23 > 0:18:29Virtually, I think I've had to sort of admit that
0:18:29 > 0:18:31probability or possibility, otherwise I wouldn't sleep at night
0:18:31 > 0:18:34and I'd spend all of my days worrying about it.
0:18:34 > 0:18:40After weeks of searching, we finally found Mr Shuttleworth
0:18:40 > 0:18:44here at this caravan park in Essex.
0:18:44 > 0:18:49Time to get some answers.
0:18:49 > 0:18:51Hello, Peter Shuttleworth, it's Jon Cuthill from BBC Inside Out.
0:18:51 > 0:18:53Can we have a chat?
0:18:53 > 0:18:54No!
0:18:54 > 0:18:56We've come to ask where the investors' money is.
0:18:56 > 0:18:58Do you mind leaving please?
0:18:58 > 0:18:59Could you leave?
0:18:59 > 0:19:02Could you get the BLEEP out before I phone the police?
0:19:02 > 0:19:03Thank you.
0:19:03 > 0:19:04Peter, where's the investors' money?
0:19:04 > 0:19:06Are you BLEEP deaf? I said...
0:19:06 > 0:19:09Leave the camera.
0:19:09 > 0:19:12You've taken tens of thousands of pounds.
0:19:12 > 0:19:15Peter Shuttleworth, you owe them at least an explanation, don't you?
0:19:15 > 0:19:20£70,000 from Mr Perry, not a penny paid back.
0:19:20 > 0:19:24You can't even be bothered to talk to them, why not?
0:19:24 > 0:19:28I'd really like to hear your side of things.
0:19:28 > 0:19:32Anything at all, Mr Shuttleworth?
0:19:32 > 0:19:36Tens of thousands of pounds of investors' money and you can't
0:19:36 > 0:19:40even be bothered to talk to them.
0:19:40 > 0:19:41Nothing to say?
0:19:41 > 0:19:45Last chance.
0:19:45 > 0:19:48You're quite a hard man to track down and you're a very
0:19:49 > 0:19:52hard man to talk to.
0:19:52 > 0:19:54Following our confrontation with Mr Shuttleworth,
0:19:54 > 0:19:58he sent us an e-mail saying that investors would be receiving a full
0:19:58 > 0:20:04refund by the end of November.
0:20:04 > 0:20:07Police dogs are at the forefront of the fight against crime,
0:20:07 > 0:20:10whether they're sniffing out drugs or tracking down suspects.
0:20:10 > 0:20:14But for one dog, a seemingly routine patrol left him
0:20:14 > 0:20:22fighting for his life.
0:20:22 > 0:20:26German Shepherd Finn almost died in the line of duty.
0:20:26 > 0:20:28He was attacked last October in Stevenage, protecting his
0:20:28 > 0:20:33handler, police officer Dave Wardell.
0:20:33 > 0:20:36I owed Finn my life.
0:20:36 > 0:20:42And the flashbacks were horrendous.
0:20:42 > 0:20:46The crime fighting duo were chasing a 16-year-old suspect.
0:20:46 > 0:20:50They had no idea it would result in a horrific attack that
0:20:50 > 0:20:54would change their lives forever.
0:20:54 > 0:20:56I had to make a decision, either let him get away
0:20:56 > 0:21:00or send Finn to stop him.
0:21:00 > 0:21:04He continued to run, I unclipped Finn and sent him
0:21:04 > 0:21:07and Finn grabbed him by the calf muscle,
0:21:07 > 0:21:11pulled him down off the fence.
0:21:11 > 0:21:16Then what happened the next two seconds lasts about 20
0:21:16 > 0:21:19minutes in my mind.
0:21:19 > 0:21:22In a bid to escape arrest, the teenager drove a knife
0:21:22 > 0:21:26deep into Finn's chest.
0:21:26 > 0:21:31He started to pull away from Finn, it's at that point that I notice
0:21:31 > 0:21:36what looks like a knife, a very big hunting knife,
0:21:36 > 0:21:39and he starts to pull it out of Finn's chest, and it keeps coming
0:21:39 > 0:21:41and it keeps coming.
0:21:41 > 0:21:45It's about a ten inch blade.
0:21:45 > 0:21:48I get to see the full extent of it, having just come
0:21:48 > 0:21:52out of Finn's chest.
0:21:52 > 0:21:58He's just potentially mortally wounded my buddy.
0:21:58 > 0:22:01Because I'd seen that size of the knife and where it had been
0:22:01 > 0:22:04and I've now seen where the entry wound is, I expected Finn to have
0:22:04 > 0:22:09almost been dead before I got him to the van.
0:22:09 > 0:22:12Dave took an injury to his hand, but Finn's stab wound
0:22:12 > 0:22:14is life-threatening.
0:22:14 > 0:22:16Bleeding heavily, the police dog is taken
0:22:16 > 0:22:19to a specialist vets in Hitchin.
0:22:19 > 0:22:22The knife has punctured a lung and goes close to his heart,
0:22:22 > 0:22:28but the surgeon will try to save Finn's life.
0:22:28 > 0:22:31At that point, I was then told by my supervisors that
0:22:31 > 0:22:34I had to leave and go and have my own injuries
0:22:35 > 0:22:39sorted and documented.
0:22:39 > 0:22:41Something that I wasn't interested in doing right then,
0:22:41 > 0:22:44but I had no choice.
0:22:44 > 0:22:53But before I left, they allowed me to go in and see Finn.
0:22:53 > 0:22:56And say goodbye.
0:22:56 > 0:23:00Finn does pull through, after four hours of surgery,
0:23:00 > 0:23:04but the next few days are critical.
0:23:04 > 0:23:07Dave, having had his own wounds tended, makes his bed
0:23:07 > 0:23:12on the floor at the vets, refusing to leave his buddy's side.
0:23:12 > 0:23:15The bedside vigil continues upon returning home.
0:23:15 > 0:23:20But as Finn's injuries heal, Dave is in turmoil.
0:23:20 > 0:23:23The guilt was awful.
0:23:23 > 0:23:29Finn had the physical injuries, but my God, I had the mental ones.
0:23:29 > 0:23:33And so emotions were very high, there was many occasion
0:23:33 > 0:23:39where I would break down in tears.
0:23:39 > 0:23:42But all the time, Finn was there.
0:23:42 > 0:23:45He went from being my police dog to very much being my therapy dog
0:23:45 > 0:23:49during those early weeks.
0:23:49 > 0:23:52Not only had he saved my life on that night, but he then went
0:23:52 > 0:23:58on to continue to do that over the next coming weeks.
0:23:58 > 0:24:01Attacks on police dogs are still rare.
0:24:01 > 0:24:04And Finn's case shocks the public.
0:24:04 > 0:24:06An online petition calling for tougher sentencing
0:24:06 > 0:24:12for crimes like this had more than 127,000 signatures.
0:24:12 > 0:24:15It is known as Finn's Law.
0:24:15 > 0:24:18The result was a revision to the Animal Welfare Act.
0:24:18 > 0:24:21Which means that offenders can get stronger sentences if they attack
0:24:21 > 0:24:25dogs in public service.
0:24:25 > 0:24:29The importance of their role has always been clear to Dave.
0:24:29 > 0:24:32They are wonderful creatures, they have amazing talents
0:24:32 > 0:24:37that we use for our advantage.
0:24:37 > 0:24:44Their hunting abilities, their fierce, protective qualities.
0:24:44 > 0:24:50His protection, his want to protect me, is enormous and of course we use
0:24:50 > 0:24:54that on a Friday and Saturday night when things are
0:24:54 > 0:24:59getting out of control.
0:24:59 > 0:25:01After nearly three months of recovery, the pair return
0:25:01 > 0:25:04to the beat just before last Christmas.
0:25:04 > 0:25:07But the festivites are marred by the upcoming trial
0:25:07 > 0:25:10of the 16-year-old boy who attacked them.
0:25:10 > 0:25:15Forcing Dave to relive the horrors of that night in a Stevenage garden.
0:25:15 > 0:25:17It's very difficult.
0:25:17 > 0:25:20I had one second to make an assessment.
0:25:20 > 0:25:22I got it wrong.
0:25:22 > 0:25:25If I'd have known he had the biggest knife in the world,
0:25:25 > 0:25:30I'd ever seen, I would have done things very differently.
0:25:30 > 0:25:33There's no way I would have sent Finn into that on his own.
0:25:33 > 0:25:36We would have found a different way to deal with it.
0:25:36 > 0:25:40Yeah, the guilt was massive, huge.
0:25:40 > 0:25:43How could I have done that to my boy?
0:25:43 > 0:25:46Finn and Dave's teenage assailant was convicted over
0:25:46 > 0:25:50the near fatal attack and given an eight month sentence.
0:25:50 > 0:25:54Finn retired from the force in March and the life of this heroic police
0:25:54 > 0:25:58dog is now very different.
0:25:58 > 0:26:00Two days before his retirement, he represented the force
0:26:00 > 0:26:04in the working dog trials, where he placed very highly and won
0:26:04 > 0:26:08all sorts of awards.
0:26:08 > 0:26:12And then he went on to retire.
0:26:12 > 0:26:16He's taken to retirement pretty well.
0:26:16 > 0:26:20He gets on marvellously with my family, my three young children,
0:26:20 > 0:26:25and he's very much centre of our house at home.
0:26:25 > 0:26:29He's a hero to my children and to me.
0:26:29 > 0:26:39He's had some wonderful adventures since retirement.
0:26:48 > 0:26:55Police dogs can't actually leave the area where they worked.
0:26:55 > 0:26:57He'd never been to the beach.
0:26:57 > 0:27:00So, one of his first adventures, one of the first things I wanted
0:27:00 > 0:27:03to do with him was to take him to the beach.
0:27:03 > 0:27:06We went up to Norfolk and we had a wonderful time together
0:27:07 > 0:27:13in the surf and playing.
0:27:13 > 0:27:17Dave's now back on the beach with new German Shepherd hero Diesel
0:27:17 > 0:27:20and his sniffer spaniel Pearl.
0:27:20 > 0:27:23As they get ready for work, Finn watches on, ever hopeful that
0:27:23 > 0:27:26Dad will take him too.
0:27:26 > 0:27:29He gets very excited when he sees me put my work uniform on,
0:27:29 > 0:27:31especially my boots.
0:27:31 > 0:27:34And for him, it's just a sign that we're going to work.
0:27:34 > 0:27:39And just as I leave, I'll see Finn in our bay window
0:27:39 > 0:27:42at the front of the house as if to say, "I think
0:27:42 > 0:27:46you've forgotten someone, Dad!"
0:27:46 > 0:27:50When Dave first met Finn, he was just a few weeks old.
0:27:50 > 0:27:55That tiny ball of fluff grew up to be his constant companion,
0:27:55 > 0:28:00fighting crime side by side for almost eight years.
0:28:00 > 0:28:03They now face a new set of adventures, as Finn gets used
0:28:03 > 0:28:07to a near celebrity status, honoured with hero awards,
0:28:07 > 0:28:11public appearances and even a publishing deal.
0:28:11 > 0:28:16So much for a quiet retirement.
0:28:16 > 0:28:18Well, that's it from Happisburgh - Finn's favourite beach.
0:28:18 > 0:28:21Next Monday, we investigate the story behind a yacht used
0:28:21 > 0:28:25to smuggle illegal immigrants onto the east coast.
0:28:25 > 0:28:28In the meantime, you can get in touch with me
0:28:28 > 0:28:30on Twitter @david-insideout, or any story ideas e-mail
0:28:30 > 0:28:33david.whiteley@bbc.co.uk.
0:28:33 > 0:28:38But that's it from the Norfolk coast, bye-bye.
0:28:38 > 0:28:40Also next week, the community village near Bedford
0:28:40 > 0:28:43where former homeless people can rebuild their lives,
0:28:43 > 0:28:48but where the rules are strict, like breathalising at breakfast.
0:28:48 > 0:28:51And power boat racing has been here for more than a century,
0:28:51 > 0:28:54but some people believe new safety rules are forcing
0:28:54 > 0:28:57people out of the sport.
0:28:57 > 0:29:01That's Inside Out next Monday, 7.30, here on BBC One.