“Rebecca,” says Emma earnestly. “Would you say this is a common problem?”

“I’m afraid it is,” I reply. “It’s all too easy to forget those unpaid bills, to put them in a dressing table drawer, or. . or throw them in a skip. .”

“A skip?” says Rory, looking puzzled.

“Whatever,” I say hurriedly. “Everybody’s different.”

“I put mine in the dog basket,” interjects Fran. “Then he chews them and I can’t read them.”

“I can understand that,” I say, nodding. “But you know what, Fran? Once you take those letters out of the dog basket and actually read them, you’ll find they’re not nearly as bad as you think.”

“You really think so?” says Fran tremulously.

“Open each envelope,” I suggest, “and write down all the outstanding amounts. Then make a plan to pay them off, even if it’s only £5 a week. You can do it.”

There’s a long pause.

“Fran?” says Emma. “Are you still there?”

“Yes!” says Fran. “Yes, I’m still here — and I’m going to do it! You’ve convinced me. Thanks, Becky! I really appreciate your help!”

I beam back at the camera, my confidence restored.

“It’s a pleasure,” I say. “And you know, Fran, as soon as you turn that corner and wake up to the real world, your life will be transformed.”

I make a confident sweeping gesture with my arm, and as I do so, my gaze takes in the whole studio. And. . oh my God, it’s him.

I’m not hallucinating.

It’s really him. Standing at the corner of the set, wearing a security badge and sipping something in a polystyrene cup as though he belongs here. Derek Smeath is standing here in the Morning Coffee studios, ten yards away from me.

Derek Smeath of Endwich Bank. It doesn’t make any sense. What’s he doing here?

Oh God, and now he’s staring straight at me.

My heart begins to pound, and I swallow hard, trying to keep control of myself.

“Rebecca?” Emma says puzzledly, and I force myself to turn my attention back to the show. But all my confident words are withering on my lips. “So you really think, if she tries, Fran will be able to get her life in order?”

“I. . that’s right,” I say, and force a smile. “It’s just a question of facing up to it.”

I’m trying desperately to stay cool and professional — but all the bits of my life I’d so carefully buried are starting to worm their way out again. Here they come, wriggling into my mind, one piece of dreadful reality after another.

“Well,” says Rory. “Let’s all hope Fran takes Rebecca’s very good advice.”

My bank account. Thousands of pounds of debt.

“We’re out of time, I’m afraid,” says Emma, “but before we go, do you have any last words of advice, Rebecca?”

My VISA card, canceled. My Octagon card, confiscated in front of that whole crowd. God, that was humiliating.

OK, stop it. Concentrate. Concentrate.

“Yes,” I say, forcing a confident tone. “I would just say. . in the same way you might have a medical checkup once a year, do the same with your finances. Don’t ignore them until they become a problem!”

My whole terrible, disorganized life. It’s all there, isn’t it? Waiting for me, like a great big spider. Just waiting to pounce, as soon as this phone-in ends.

“Wise words from our financial expert,” says Emma. “Many thanks to Rebecca Bloomwood, and I’m sure we’ll all be heeding her advice. Coming up after the break, the results of our makeover in Newcastle and Heaven Sent 7, live in the studio.”

There’s a frozen pause, then everyone relaxes.

“Right,” says Emma, consulting her piece of paper. “Where are we next?”

“Good work, Rebecca,” says Rory cheerfully. “Excellent stuff.”

“Oh, Zelda!” says Emma, leaping up. “Could I have a quick word? That was fab, Rebecca,” she adds. “Really fab.”

And suddenly they’re both gone. And I’m left alone on the set, exposed and vulnerable. Rebecca Bloomwood, top financial expert, has vanished. All that’s left is me, Becky. Shrinking on my seat and frantically trying to avoid Derek Smeath’s eye.

I don’t have anything to give him. The money from The Daily World has got to go straight to Suze. I’m in as much trouble as I ever was. What am I going to do?

Maybe I could slip out at the back.

Maybe I could stick it out here on the sofa. Just sit here until he gets bored and leaves. I mean, he won’t dare to come onto the actual set, will he? Or maybe I could pretend to be someone else. God yes. I mean, with all this makeup on, I practically look like someone else, anyway. I could just walk quickly past, and if he talks to me, answer in a foreign accent. Or else. .

And then suddenly I stop, midtrack. It’s as though I’m hearing my own thoughts for the first time in my life. And what I hear makes me ashamed of myself.

Who do I think I’m kidding? What exactly will I achieve by dodging Derek Smeath one more time? It’s time to grow up, Becky, I tell myself. It’s time to stop running away. If Fran from Shrewsbury can do it, then so can Rebecca from London.

I stand up, take a deep breath, and walk slowly across the set to Derek Smeath.

“Hello, Mr. Smeath,” I say in polite, calm tones. “What a coincidence to see you here.” I hold out my hand for a symbolic, peacemaking handshake, but Derek Smeath doesn’t even seem to see it. He’s staring at me as though he’s seen a goldfish begin to talk.

“Coincidence?” he echoes at last, and a technician gestures to us to keep our voices down. Derek Smeath firmly ushers me out of the studio into a foyer area and turns to face me, and I feel a twinge of fear at his expression.

“Miss Bloomwood,” he says. “Miss Bloomwood—” He rubs his face with his hand, then looks up. “Do you know quite how long I have been writing letters to you? Do you know how long I’ve been trying to get you into the bank for a meeting?”

“Ahm. . I’m not quite—”

“Six months,” says Derek Smeath, and pauses. “Six long months of excuses and prevarication. Now, I’d just like you to think about what that means for me. It means endless letters. Numerous phone calls. Hours of time and effort on my part and that of my assistant, Erica. Resources which, quite frankly, could be better spent elsewhere.” He gestures sharply with his polystyrene cup and some coffee slops onto the floor. “Then finally I pin you down to a cast-iron appointment. Finally I think you’re taking your situation seriously. . And you don’t turn up. You disappear completely. I telephone your home to find out where you are, and get accused most unpleasantly of being some kind of stalker!”

“Oh yes,” I say, and pull an apologetic face. “Sorry about that. It’s just my dad, you know. He’s a bit weird.”

“I’d all but given up on you,” says Derek Smeath, his voice rising. “I’d all but given up. And then I’m passing a television shop this morning, and what should I see, on six different screens, but the missing, vanished Rebecca Bloomwood, advising the nation. And what are you advising them on?” He begins to shake with laughter. (At least, I think it’s laughter.) “Finance! You are advising the British public. . on finance!”

I stare at him, taken aback. It’s not that funny.

“Look, I’m very sorry I couldn’t make the last meeting,” I say, trying to sound businesslike. “Things were a bit difficult for me at that time. But if we could reschedule. .”

“Reschedule!” cries Derek Smeath, as though I’ve just cracked a hysterical joke. “Reschedule!”

I gaze at him indignantly. He’s not taking me seriously at all, is he? He hasn’t shaken my hand, and he’s not even listening to what I’m saying. I’m telling him I want to come in for a meeting — I actually want to — and he’s just treating me like a joke.

And no wonder, interrupts a tiny voice inside me. Look at the way you’ve behaved. Look at the way you’ve treated him. Frankly, it’s a wonder he’s being civil to you at all.

I look up at his face, still crinkled in laughter. . and suddenly feel very chastened.

Because the truth is, he could have been a lot nastier to me than he has been. He could have taken my card away a long time ago. Or sent the bailiffs round. Or had me blacklisted. He’s actually been very nice to me, one way or another, and all I’ve done is lie and wriggle and run away.

“Listen,” I say quickly. “Please. Give me another chance. I really want to sort my finances out. I want to repay my overdraft. But I need you to help me. I’m. .” I swallow. “I’m asking you to help me, Mr. Smeath.”

There’s a long pause. Derek Smeath looks around for a place to put his coffee cup, takes a white handkerchief out of his pocket, and rubs his brow with it. Then he puts it away and gives me a long look.

“You’re serious,” he says at last.

“Yes.”

“You’ll really make an effort?”

“Yes. And—” I bite my lip. “And I’m very grateful for all the allowances you’ve made for me. I really am.”

Suddenly I feel almost tearful. I want to be good. I want to get my life in order. I want him to tell me what to do to make things right.

“All right,” says Derek Smeath at last. “Let’s see what we can sort out. You come into the office tomorrow, nine-thirty sharp, and we’ll have a little chat.”

“Thanks,” I say, my whole body subsiding in relief. “Thank you so much. I’ll be there. I promise.”

“You’d better be,” he says. “No more excuses.” Then a faint smile passes over his features. “By the way,” he adds, gesturing to the set. “I thought you did very well up there, with all your advice.”

“Oh,” I say in surprise. “Well. . thanks. That’s really. .” I clear my throat. “How did you get into the studio, anyway? I thought they had quite tight security.”

“They do,” replies Derek Smeath. “But my daughter works in television.” He smiles fondly. “She used to work on this very show.”

“Really?” I say incredulously.

God, how amazing. Derek Smeath has a daughter. He’s probably got a whole family, come to that. A wife, and everything. Who would have thought it?

“I’d better go,” he says, and drains his polystyrene cup. “This was a bit of an unscheduled detour.” He gives me a severe look. “And I’ll see you tomorrow.”

“I’ll be there,” I say quickly, as he walks off toward the exit. “And. . and thanks. Thanks a lot.”

As he disappears, I sink down onto a nearby chair. I can’t quite believe I’ve just had a pleasant, civilized conversation with Derek Smeath. With Derek Smeath! And actually, he seems quite a sweetheart. He’s been so nice and kind to me, and his daughter works in television. . I mean, who knows, maybe I’ll get to know her, too. Maybe I’ll become friends with the whole family. Wouldn’t that be great? I’ll start going to dinner at their house, and his wife will give me a warm hug when I arrive, and I’ll help her with the salad and stuff. .

“Rebecca!” comes a voice from behind me, and I turn round to see Zelda approaching, still clutching her clipboard.

“Hi,” I say happily. “How’s it going?”

“Great,” she says, and pulls up a chair. “Now, I want to have a little talk.”

“Oh,” I say, suddenly nervous. “OK. What about?”

“We thought you did tremendously well today,” says Zelda, crossing one jeaned leg over the other. “Tremendously well. I’ve spoken to Emma and Rory and our senior producer”—she pauses for effect—“and they’d all like to see you back on the show.”

I stare at her in disbelief. “You mean—”

“Not every week,” says Zelda. “But fairly regularly. We thought maybe three times a month. Do you think your work would allow you to do that?”

“I. . I don’t know,” I say dazedly. “I expect it would.”

“Excellent!” says Zelda. “We could probably plug your magazine as well, keep them happy.” She scribbles something on a piece of paper and looks up. “Now, you don’t have an agent, do you? So I’ll have to talk money directly with you.” She pauses, and looks down at her clipboard. “What we’re offering, per slot, is—”

Twenty-three


I PUT MY KEY in the lock and slowly open the door of the flat. It seems like about a million years since I was here last, and I feel like a completely different person. I’ve grown up. Or changed. Or something.

“Hi,” I say cautiously into the silence, and drop my bag onto the floor. “Is anyone—”

“Bex!” gasps Suze, appearing at the door of the sitting room. She’s wearing tight black leggings and holding a half-made denim photograph frame in one hand. “Oh my God! Where’ve you been? What have you been doing? I saw you on Morning Coffee and I couldn’t believe my eyes! I tried to phone in and speak to you, but they said I had to have a financial problem. So I said, OK, how should I invest half a million? but they said that wasn’t really. .” She breaks off. “Bex, what happened?”