A/N: And enter, our villain.

Rose woke up and stretched lazily. Jack was obviously already awake, from the sound of the cartoons she could hear coming from the living room. She looked around and gasped when she saw the alarm clock. Had she really slept to half past ten? Why had no one woken her up by now? She got up and dressed in comfortable clothes. She started with getting a mug of coffee in the kitchen before going into the living room. Jack and Martha were playing what appeared to be a very intense game of Snakes and Ladders, at least judging by Jack's facial expression.

"Morning, mummy," he mumbled, not looking away from the board.

Martha looked up. "Oh, I didn't even hear you. As you can see, I'm busy kicking Jack's butt," she said, teasing Jack.

Jack shook his head, finally looking up. "No! I'm winning mummy, look. I'm ahead by three squares."

"Yeah, but every time we get close to the finish we keep getting send back to the start, don't we?" Martha asked him, and he nodded.

Jack stood up and pulled Rose over "Mummy, you can be on my team," he decided.

After another ten minutes, Jack and Rose had finally won, and Rose could go out and make breakfast for herself. Just before she went back into the living room to join Jack, her phone started ringing. She looked at the number and sighed. She was really not in the mood for this today.

"This is Rose Tyler-Smith speaking," she said tiredly, already knowing what this is about.

"Rose," came the reply of Harold Saxon. Rose rolled her eyes, and fought back the urge to remind him that she had never given him the right to use her first name. He continued, "I'm afraid more complications have arisen in your case."

Rose sat down, knowing that this would be a very long conversation. After John's death, everything he had left for herself and Jack had been tied up by the insurance company, and apparently its owner Harold Saxon had taken it upon himself to help her. This, of course, did sound very nice. That was, right until you met Harold Saxon. It was obvious to Rose, that he was obviously trying to cheat herself and Jack from their inheritance. Since it was only the money they hadn't actually been able to receive, Rose would have considered just giving up on it long ago, but she was still struggling financially, and she was still deep in years she had taken loans from the bank at terrible interest rates, every time an unforeseen expense came up. After four years, and some very bad luck, that had become quite a lot of money. And they had still only payed back half the money for their apartment when John died, so she was still paying back that loan too. She needed the money to pay off that debt, especially since she wanted Jack to have the opportunity of going to University, something that she had always wanted but had never been able to.

"Tell me more," she said. She had very little patience left for this man.

"Well. I recently, this morning, came into possession of some new information. You haven't been honest with me, Rose."

She frowned. "How have I not been honest?"

"Two months ago you got a promotion,, and your income is much higher now This changes matters completely. You know that I spend hour after hour of trying to turn the law to your benefit, but this makes it all the more difficult for me. You could have at least have been a bit respectful of the hard work I provide on your behalf. I don't have to help you, Rose. I'm doing it of my own free will," he said.

"Why does this change things?" she sighed.

"Oh, you forgot? I hardly thought you would. I shall remind you of you husbands will…"

"You mean the real one, or the letter you claim is his final will?" she asked. For some reason, the man insisted that a letter written by John, which he almost clearly stated was an addition to his will, was now considered the real thing

"Rose, you know very well that the letter is, in the eyes of the law, his final will. And in that, it says nothing about you or your son receiving anything. I shall read to you, what it entitles. Your husband writes the following. 'I know that you will probably mourn me. And that's fine. But Rose, do one thing for me. Have a good life, Rose. Have a fantastic life. Do all the things we dreamed of. Go traveling, get your degree, find your dream job. Just be happy. For my sake, Rose.'" He read. Rose shuddered. She hated that that man not only got to read the private letters John had left for her and Jack, but also got to use them like this. Turning his kind words against her.

"So?" Rose asked, angrily.

"Well, it states quite clearly, a set of instructions. In the eyes of the law, of course. Now, we could get around you working in a shop, as you covering your expenses. But, with this promotion, I'm not sure we can do the same. This time."

Rose wanted more than anything to yell at him. It had been obvious for years that he wanted to cheat her for what John had left for them, plus whatever else he could get. She wished that John hadn't gotten involved with this man, but she couldn't blame him. When she had first met Harold Saxon he had been charming, and had seemed trustworthy. Someone she would have like to be friends with, and who she really felt she could trust with something like this. However, a short while after John's death, everything had changed.

"Why does it matter?!" she asked. She took a deep breath. "What I mean is, the letter he left was hardly a set of directions. They were his wishes, yes. But like you said. He asked me to be happy. Well, this job makes myself and my son happy. It shouldn't be a problem."

There was a pause. "Rose, I'm afraid that argument wouldn't work in court, if that's what it comes to. I want you to have what is rightfully yours, but just by saying that you are happy you won't just get it served on a golden platter. Until now, it would be best if you returned to your old job. Otherwise, you might never get your money, and you could easily lose all the material things he left for you, too"

"I…" Rose didn't know what to say. That couldn't happen… right? She couldn't risk it. She couldn't lose everything she had left of John. She covered her mouth when she realised what it would also mean. The apartment had been in John's name before he died. Would she lose her home too? She had nowhere else to go. And what about Jack? The money used for paying for his school had been from John's salary, as she had been in university at the time. What would happen to him? Would he get expelled. And Martha? She lived there too, and Rose knew that she wasn't able to move anywhere for another 6 months, when she started working.

"Can't you do anything?" she asked. Of course, she knew that he would try his best to angle it so that he couldn't. But he was the only one who knew her case, and could help her.

"I gave you my advice. Go back to your old job. It will work out much better that way."

Rose bit her lip. She didn't want that. At all. "Give me a few days… I'll send you an email when I'm ready."

"I'll be waiting anxiously," he said, and hung up without a goodbye.

Hello
I am so sorry it's taken so long to post this chapter. I've been very busy with school, and when I had finished writing it I was ill so I wasn't able to. Thank you for all the lovely reviews you left me, they always make my day, no matter how long or short they are. I'm honoured that you take the time.
I hope to be able to write the next chapter soon, but I can't guarantee anything.