LAP YAN dislikes the incapability of KA KUEI, he sends KAI TAI to be responsible for dunning for debt from JO FAI instead and TAI accepts this unwillingly. KAI TAI hides himself in JO FAI's old flat and finally discovers the whereabouts of JO FAI and his daughter. When KAI TAI first meets MAN JING, he is attracted by her beauty. LAP YAN intends to use violence to force JO FAI to repay the debt but KAI TAI stops him. Instead, he uses gentle ways to request JO FAI to repay the debt but JO FAI disregards them. Then LAP YAN fights with JO FAI and JO FAI threatens them to jump down. KAI TAI suggests to let JO FAI to repay the debt by instalments and is willing to act as his referee. LAP YAN finally agrees. One debtor forces JO FAI to repay the debt, KAI TAI gives him the money on behalf of FAI. He also finds a flat and jobs for both of them and this makes MAN JING have a better impression on him……