Frank O'Reilly is a loan shark, down on his luck as always. After a lifetime wasted pretending to be a gangster, he's got nothing to show for it except a crappy little car and a few darts trophies. He lives in the quaint little seaside town of Bognor Regis and swaggers about like he's some big-time face from London. Everybody regards him as a joke except his impressionable young partner Des.