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l is shocked to hear that his father is in debt to loan shark Alistair Tonken and his menacing son Norman, and lends him the money Ruth gave him to buy a new fence. When the Tonkens demand interest, Bert plans a money-making Spanish evening suggested by Eleanor. But Eleanor not only annoys Louisa and Martin by farming their baby out to an irresponsible young girl, she also keels over with a hernia, requiring Martin to perform emergency surgery. Eccentric Mrs. Dingley, who runs a cat sanctuary, is also in debt to the Tonkens but Penhale proves himself to be an unexpected hero in getting the greedy pair to back off. Martin, meanwhile, is more perturbed than he lets on about Louisa's decision after their row to stay in Cornwall with James and not accompany him to London.

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