Emmerdale S41 E48 Episode 6171 (Mon 27th Feb 2012)

Adam wants the family to pay their debts off with Declan, and Moira tells him that John had an endowment policy. However, Moira is later shocked and depressed to hear that John had already cashed in the policy - they have nothing. Moira is close to despair over their money situation, and the kids are horrified when Moira tells them they're selling up.