Matt and Rick go undercover on a major fraud case to impress Kate. Kate discovers the perks of tracking down a beautician with debts. Chad and Minnie have a showdown in court, with unexpected results. Jim is charmed by a famous footballer while investigating an insurance scam, and Matt gets more than he bargained for when he dares Kate to be more spontaneous.

Kate's past returns to haunt her when her daughter Emma goes missing; Matt and Chad go undercover to catch a cheating management consultant; Rick tracks down a key player in the property scam that upended his life and Chad's life takes a surprising turn when an old flame makes him a tempting offer.