Tina arranges to talk to Terry about his cash-flow problems, but finds herself face to face with Rick, the loan shark who hounded her dad Joe. Lesley scuppers Paul and Eileen's holiday plans when she turns up at her old house, and Stella catches Karl with his fingers in the Rovers' till. Having still heard nothing from Kylie, a dispirited David resolves to make peace with Audrey, and Kirsty decides to take the job at Underworld.