Alan Roper (John Thaw) tells Turf Accountant Larry Hart (Lee Montague) that he is planning to steal £60,000 and Hart offers to launder the money for him at his usual rate ('Five to one', ie £12,000). What Hart doesn't know is that it is actually his money Roper intends to steal, ie the £12,000 Hart will gather to pay him.
Hart tells his clerk not to bank his takings that week because he will need at least £12,000 of ready cash for a business deal, in fact it is to cover his arrangement with Roper. Meanwhile Roper has set up his girlfriend Pat (Ingrid Hafner) to have a sexual liaison with married insurance broker Deighton (Ewan Roberts) at a flat where Pat is babysitting. Roper and his associate Len (Brian McDermott) pose as Pat's husband and a private detective threatening to site Deighton as a co-respondent in their divorce. Roper blackmails Deighton into revealing details of Hart's insurance policy at the shop which include security information and the safe combination.
When they receive the policy details from Deighton they discover that his company have only overseen the insurance for his house, not his shop. So Roper and his gang engineer a complex plan. They break into Hart's home after drugging him and make copies of his house and shop keys. They then stage a dummy break-in at the betting shop but get away before they are caught. This forces Hart to put the £12,000 into his safe at home where Roper's gang plan to steal it. This all goes according to plan except Hart had his suspicions and had the combination of his safe changed after transferring the cash. However determined not to be outdone Roper and Lea mess up the house and wait until Hart arrives home. When he opens the safe to check it they knock him out and steal the cash...
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