The bbc� s star football presenter, gary lineker, has been suspended over comments he made criticising the british governments asylum policy. Ina in a tweet he compared the language of the uk government with germany in the 1930s. Britain will pay france hundreds of millions of dollars over the next three years for a new Detention Centre and more patrols to help clamp down on migrants crossing the channel in small boats. Saudi arabia and iran have agreed to re establish diplomatic ties seven years after riyadh� s embassy in tehran was attacked following the saudi execution of a shia cleric. The gunman opens fire at a Jehovah Witness Hall and the german city of hamburg. Seven People Killed including an unborn baby. At ten oclock well be here with a full round up of the days news. First. The chef, the model the missing millions vt a Global Pandemic and a national emergency. From this evening, i must give the british people a very simple instruction. You must stay at home. An economy grinding to a halt. Companies on the brink. Well, today we announced a brand new loan scheme for the smaller businesses. Rishi sunak, then chancellor to the rescue. Rishi actually stood up and said, this is the Bounce Back Loan Scheme. Therell be no credit checks. It was like jackpot for a lot of people. A godsend for business. A gold mine for criminals. £100,000 on holidays, eating in the best restaurants, the flashiest, fastest cars, yachts, everything that most people would desire in their lives when they win the lottery. These people, they won the lottery in an entirely different way. It was a colossal sum of money gone to some very, very bad people. This is the inside story of fraud on a massive scale of gangs and glamour. I dug about in companies house. You see that . Its £10 million. We� re really close. We just want to ask you where the money went. This is the chef, the model and the missing millions. The story starts here with two men, Artem Terzyan and deivis grochiatskij, one russian and one lithuanian. Tell us a bit about Artem Terzyan. Russian. Previous bad character. Came here was really the controller of what was going on in relation to this group, a bad man. Deivis . Lithuanian, previous convictions in lithuania, again, afamily man. Came to this country, was the mastermind around everything that went on and made a lot of money. This isjohn coles from the National Crime agency. A copperfor decades, he knows a thing or two about fraud. Ive never seen anything like it. So it is the biggest one i know of. Its the biggest one ive seen and its probably going to be biggest one we will see for a long time. Terzyan and grochiatskij were Money Launderers caught on Police Surveillance videos they had bags stuffed with cash. And this is them delivering a safe. Bundles and bundles of notes. Ledgers and counting machines. They took dirty money from other gangs and put it through a whole load of Fake Companies cleaning it, making it look legitimate. Here they are, Depositing Cash at the bank, something they did almost every day. The Prime Minister announces the toughest restrictions on our way of life in living memory. You must stay at home. What was bad for the legitimate economy was also bad for criminals. The supply of dirty cash virtually dried up. So what do you do if you have a whole network of dodgy companies but with no money to launder . The Bounce Back Loan Scheme is designed to support uk smaller businesses that have been adversely affected by the coronavirus outbreak. Well, as luck would have it, the government had just set up an Emergency Loan scheme. £50,000 on offer, almost no questions asked. From £2000 to £50000. Well, see, theyre criminals, so they take advantage of anything thats readily available. And fortunately for them, unfortunately for the united kingdom, covid came along. The government tried to do the best it could for businesses, for people to support them during that difficult period. And these people took advantage of it and made £10 million worth through £50,000 applications at a time. Yep, you heard that right. £10 million. And as soon as the Bounce Back Loans hit their Bank Accounts here in london, they were gone. Sent around the world to the united arab emirates, to the usa, to hungary, to malaysia. But terzyan and grochiatskij got careless. They and some of the rest of the gang are now behind bars. Heres deivis being interviewed by the National Crime agency. So you were arrested this morning on suspicion of being involved in Bounce Back Loan fraud. £10 million of criminal funds and assets are delayed. I dont know who is doing this. When officers from the National Crime agency went through the doors of flats seven and eight here, they found bundles of cash, high end watches, a string of bank cards and evidence of holidays in the caribbean and reservations at some of londons top restaurants. And that leaves some important questions. Where did the money go . Who else was involved . And can they tell us where it went . It seems the gang made the docklands area of east london their home. They owned properties here, here, here and here, right next to city airport. So this is where we start looking. The gang lived well and liked to show it on social media. Heres deivis� s wife posing for the camera. We matched the view of the ship with the actual ship and bingo. Renata grochiatskij is the wife of one of the ringleaders of the scheme. She got a two year suspended sentence for her part in it. Shes living just over there. Do you think she knows where the money is . I try to persuade her to do an interview with us. Well, look, thank you for talking to me. She said she was scared to talk to us, didnt want to talk to us, didnt feel she could talk to us. Said maybe we should talk to her solicitor also suggested we might come back with a translator, but at the moment shes not able to tell us anything useful. So what next . What is it they say . Follow the money. Remember that network of companies the gang used . Each one needed a real person to act as a director. So how much did they know about what their business was being used for . They do have some responsibility. They probably turned a blind eye to what was going on, but ive no doubt they knew what was going on. Why do you think that . If somebody comes to me with something that seems too good to be true, then in the back of my mind, im going to be thinking theres something not quite right about this. Say hello to Yekaterina Kobrina. Yekaterina was the director of one of the Key Companies involved in the scheme. Her name was on all sorts of documents. We dont know whether she ever lived in london, but looking through her facebook profile, we know she came here and thats just about 200 metres from where the gang was living. She looks like any other tourist smiling for the camera. But was she doing something more Thanjust Sightseeing . And this is povilas bartkevicius, a chef by trade and director of one of the Main Companies involved. We know that povilas was in london, too, standing on this exact spot, posing in front of that super yacht hotel. We really want to talk to them. Theyre not in london any more, but both have common links to a city more than 1,000 miles away. Lithuania, home to several million people, but were only looking for two povilas and yekaterina. Theyjust might be able to tell us what happened to that £10 million. First, though, let me introduce you to a couple of people. These two are local investigative journalists. Theyve agreed to help out. And as were about to find out, theyre really good. These are the people were interested in. So were starting with just two names and theyre not in the phone book. This is yekaterina. So what do we know about Yekaterina Kobrina . Yes. So its Yekaterina Kobrina. So its definitely her. Yeah. Theres the obvious. Shes a model. And look, we found an online Clothes Outlet she works for. Hello . We try to book her for a photo shoot. But the woman on the phone is suspicious. Hes found something. A facebook post. So this is like a Shopping Street or talking about a shop. Shes saying that. That last week she bought potatoes and it was in very bad conditions in the shops. And today she bought tomatoes. 0k, translate. So you can write, last week we received rotten tomatoes, which looked tragic. So this is vilnius, this street where. So that is where the potatoes were bought . Yes. Well, we need to go there, dont we . Continue on for two km. £10 million of british Taxpayers Money in this neighbourhood seems hard to believe. Thats the shop, the supermarket where yekaterina is buying her potato. So she was doing that, well, a couple of times over a couple of weeks. I mean, that must mean she lives here or close by. We must be close, but no luck. Dead end for now. So what are our chances of ever finding that money . Criminals do not have borders. They dont care. This man runs a lithuanian Anti Money Laundering Organisation in the uk. During covid, the government set up the schemes to help out businesses. They were handing out £50,000 with almost no checks at all. What do you think of that . Uh. I would say its a mistake. Criminals are the first in the line who are trying to use new products, who are trying to use new services and etc. So, its a mistake. With the Economy Imploding and businesses going to the wall at the height of covid, handing out loans as fast as possible seemed like the only option. Well, right at the start i thought, well, all you need for a Bounce Back Loan is an Eligible Company and a pulse. But, you know, it turns out you didnt need either. Weve come to blackpool to meet mike, who tried to help Legit Company owners get their hands on a Bounce Back Loan. The people who scam the system. They should be rounding them up. They should be looking for them, hunting them, from that tax, you know, Taxpayers Money. Mike craig ran a one man campaign lifting the lid on all that he says was wrong with the scheme. How big a scandal is this . Its massive. Were talking billions of pounds. And when you hear that, people could just press a couple of buttons, £50,000, ship it off abroad and leave thats wrong. Itsjust wrong. For people who are the criminal element, there was no risk at all because they were. If they had the Bank Accounts in place, they were they could get the money the next day. However, a lot of people, genuine businesses, didnt have an accounts with the first initial few lenders, so some of them were waiting 6 12 months even longer before they actually secured a Bounce Back Loans. And they were the genuine ones and they missed out on getting the money, which was what the scheme was set up for. Yet the criminals that got the money on day one, day two, day three and off this wrong. Where does that leave the taxpayer . Stuffed for billions of pounds. Back in vilnius, we switched targets. Remember this guy, povilas . Well, heres the thing. He was director of one of the gangs, dodgy companies. From social media, we know hes a chef and a pretty good one at that. He won awards at the restaurant where he used to work. But we also know the company in his name received loads of that Bounce Back Loan money. £10 million came in and yup, you guessed it, £10 million went out, transferred abroad rishis millions gone through the bank account of a Company Whose director was povilass. We call the restaurant, but he doesnt work there any more. 0k. Feels like yet another dead end. Time to get creative. Most people probably wont know what it is, but if youre a cyclist or a runner, you will. And thats the app strava. See, Strava Records all of the journeys you make, whether youre running or cycling. And i wondered whether povilas might be, for example, a cyclist. So i put his name into strava and sure enough, up it came. And it turns out hes been Making Journeys First Thing In The Morning and last thing at night. And look where it takes us to another restaurant on the other side of town. He peddled here again and again. Just over there. Nice litlle restaurant, smoke coming out of the chimneys. We know that povilas sometimes works there, so werejust going to go in, have a meal, and see if hes on shift today. Wow. The menu is eye watering. Its so expensive. The only thing we could afford was the soup. We just dont know whether povilas is here, working in the kitchen. We cant see him in the kitchen. So we follow his strava route back the other way. Too cold for a bike this time. Looking at facebook, hes posted in a group for people who own bmws. And heres his car and the rear light apparently isnt working our man is on the case. And miraculously, there it is. Its the right mate. Its bmw. Its an e90. This is the car. Yeah. So theres that one there, isnt it . We� re really close. We must be very close here. Hes living in this building or in this building. I mean, he could be watching us now. This man were talking of he works as a chef here. He doesnt have lots of money. His brother is in prison. He was the big guy. Do you think theres any chance he might tell us where the money went . Early the next morning a surprise. Hi, povilas. Im angus from the bbc. We just want to ask you where the money when the money went. What money . From the bounceback loans. I dont know. Your name is on a Company Bought solution. Yes. And that received £10 million in your name . Yeah. Your name . The police in britain say the directors of these companies, they must have known or they should have known. What do you say to them . I dont know anything. If i had some money or 10,000k. I didnt work two jobs here. Ijust married two months ago. I worked weekends to buy everything. For my wedding. Povilas tells us he has no idea his name was being used in this way. I really dont know what to make of that. He seems very genuine. He seems very honest. I dont think he was lying to us. But as far as hes concerned, that is the first time hes ever heard that his name is connected to the theft of £10 million now hes off to work. He does twojobs he says he lives in this set of flats. Those on the edge of this scheme may or may not have known what was going on. But the fact is, the british taxpayer got well and truly ripped off. But why . Why wasnt the gang stopped . Why was the scheme so flawed . Politicians . Police . Whos to blame . Well, london is the only place to find those answers. This storyjust gets more and more extraordinary. It turns out that when the gang were doing the Bounce Back Loan fraud in 2020, they were already out on police bailfor the Money Laundering theyd been arrested for. That in 2018, the courts decided they couldnt keep them in prison. Yes, it is frustrating. Its frustrating for hardworking officers that the individuals that they think are probably detained for a long time are back out there doing things. But thats the way things happen. And, you know, ourjob is to get out there and arrest them. How the rest of the Criminaljustice System Works is down to the rest of the criminaljustice system. But a difficult moment. Yeah, difficult. Difficult for people who work hard like my officers do. It sends a dreadful signal to society that bad people are enriching themselves on the back of decent taxpayers. If anyone� s going to know what went wrong with the Bounce Back Loan Scheme, its this man. Lord agnew was the governments counterfraud minister. He resigned in sheerfrustration. I think there was a colossal naivety. The mood in the treasury was that they were desperate to get the money out as quickly as possible. What they didnt understand was that a fraud and a credit check could takes minutes. It would not have delayed the money going out. Well, it wasjust maddeningly frustrating because he was these were these were own goals that could easily have been stopped. But because the events were moving so quickly, by the time we were able to tighten things up now, the horse had bolted. Im worried that that there is still a reluctance to grip this with real vigour. So as we stand. Do we think that those at the top of government have learnt the lessons of the banks backed loan scheme . I would like to hope so, but im not convinced. So what about yekaterina . Shes out there somewhere. Maybe she knows more about where the money went. We spend days trying to track her down. And then just as were about to give up. Nice to meet you. Yeah. Nice to meet you. I ask her about the company in her name, but i dont know anything and you should ask other people because i live in vilnius, lithuania. But youve lived in london too, havent you . But i dont give comments. No comments. Only with my lawyer. And with that, shes gone. Weve been chasing around vilnius for the last couple of days, trying to find yekaterina, and then suddenly we just saw her walking down the street. We nearly missed her, actually. She says she does know povilas and deivis, but really only because she was at school with them. And as for the companies which have got her name on, she says she has no idea about them. So where does that leave us . We fou