Eric is 31, a debt counsellor and his life is a lie. When he's not busy getting the dispossessed of West Cumbria's debts written off, he's bouncing the cost of his increasingly excessive lifestyle between several accounts - some of which aren't exactly high-street. His girlfriend Charlotte has no idea how imperilled their home is. Until the postcards begin to arrive, each with one word written on the back of a photo of a caravan: Coerce. Harrassment. Distress. Eric has a frightening puzzle to solve while juggling his finances. And life gets more complicated as he reconnects with the old love of his life in Manchester: Julie, a strange, fragile body artist. To save his house, Eric hatches a plan with his client Doreen to max out her cards, sell the goods, divide the spoils and declare her bankrupt. He needs the money urgently: Manchester loanshark the Overspill Mayor is making sinister threats to Julie, demanding to know where his little Damon-from-Blur-boy is. And Eric would do anything for Julie to stop her from going away again.