Life is tough for 30-year-old Kerry; her husband is unemployed, and she has a growing family to look after. Kerry relies on child tax credit. But her family has been growing rapidly, and her tax credit income has swollen to more than 30,000 per year; the HMRC fraud investigators pay her a visit.

Also, Dom meets 71-year-old Ken, who has lost a leg and recently been widowed. The last thing he wants to do is move to a care home, but adapting his own home to suit his needs now will be costly.