Benjy and Melly took a mortgage on the house, and ‘invested’ it. They gave it to Jack and later that day he handed Benjy various certificates.
Benjy didn’t know that Jack took the money, gave it to Melly who put it into an interest bearing account.
The company Benjy had ‘invested’ in seemed on a positive trend. For two months it went up, then, suddenly, Jack told them that the company had collapsed and there were investigations.
All the money was lost.
This meant the mortgage couldn’t be paid.
Benjy went home to tell Melly. She was upset. Realising they would lose the house, she moved to live with a friend. There there was no place for Benjy.