Sheriff Andy helps a young father who did not receive the insurance pay-out he was entitled to after his two-year-old son narrowly escaped serious injury in a road accident. Andy visits the insurance company, but will he get the money? Elsewhere, a disabled pensioner was left distraught when workmen constructed a sub-standard summer house in her back garden. She could not get her money back and now sheriffs Tracy and Dave are on the case. And Tommy drops in on one of the UK's biggest holiday companies after it fails to pay one of its customers the compensation he was due.