Richard has suddenly appeared in the household and there's mixed feelings amongst Monica and Hamish, the flying Scotsman, at seeing Chris all lit up. Meanwhile, the bank manager seems totally underwhelmed by Sheila's plans to take in lodgers.

They say trouble comes in threes, so it is no surprise that when Chris' van develops metal fatigue and Richard has a toothache, Sheila should also get the electricity bill - and just when she has to make the first loan repayment as well!