Young Gerald Latimer tragically loses his father and then loses his job to a robot. To end this losing streak and raise 23,000.70p to place his dotty mother in a care home, he resorts to drug making. This fails disastrously when his friend's greenhouse explodes. Gerald then agrees to rob a bank with an amateurish plan that also fails and given so little time to pay the care home fee, he is talked into a burglary. This results in the theft of a priceless item from a bent high court judge that no fence would ever consider handling. When nasty underworld characters learn of Gerald's ill-gotten gain, he goes on the run with his cocaine-addicted friend and an attractive bank teller who had fallen for him. A deadly chase by the thugs and the police culminates in a surprise ending.