As the credit crunch continues to leave Britain cash-strapped and high street banks report huge losses, Dispatches investigates who is responsible for the current crisis.
Reckless lending and risky investments have been blamed for directly driving up mortgage rates and increasing the numbers of people losing their homes.
Dispatches investigates how the bank chiefs allowed this to happen and if lessons have been learn from the Northern Rock crisis.
Former investment banker James Max tracks down the banking bosses who have presided over the colossal losses to see if they will be held to account.
He examines the billion pound bonus culture and lifestyle of the City's wide boys and investigates how the banks are now seeking to make back the money they lost before the credit boom hit the buffers.
Featuring the results of an exclusive survey of bank lending rates, and how much money banks are re-claiming through them, the film also offers expert advice on how to cope with higher interest rates and shows how customers can take banking into their own hands.