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Bailiffs reclaim old debts from Frank, and, as usual, his children are forced to pay the price. If that isn't enough, Mr. Wilson (Clive Russell), a housing officer with a personal vendetta against Frank, is threatening to take the family home. Frank,... (more) however, is busy trying to get money out of his ex-wife, Monica Gallagher (Annabelle Apsion). With Kev's assistance, Frank manages to fool Monica, but he makes the mistake of letting her know he is after her. The pair are chased back to Chatsworth by Monica and her lesbian lover, Norma Starkey (Dystin Johnson), leading to a rollercoaster of emotions within the fractured family. Meanwhile, Tony's love for Fiona reaches new depths when he asks her to marry him.