Terry investigates a loan shark accused of using strong-arm tactics to collect the extortionate repayments she demands. Stories about her employing a vicious thug to make acid attacks on the families of debtors prove all too true and Beth finds herself in danger when the ruffian is cornered. Meanwhile, a Ukrainian woman with no passport or visa is taken to hospital following a road accident but runs away before Sally and Tony can get the full story. Neil finds himself under pressure from Heaton to secure results.