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A financial advisor called Nigel Wheeler arrives in Aidensfield and tries to sell the villagers insurance. When Jo's father expressed interest in Wheeler's business dealings, Nick decides to investigate Wheeler and uncovers his shadey past of debts and tries to stop villagers from making a terrible mistake. Meanwhile, Greengrass, George, Gina and Blaketon receive anonymous letters threatening to reveal hidden secrets from their pasts. But who sent the letters?