Terry Smart is a former associate of Norma Crow. In the 1990s, Terry was arrested by Jack Osborne and went to prison, not naming Norma or any of the other associates. He received eight years imprisonment, but had his sentence extended for assaulting the guards. Terry was released in June 2023 and demanded compensation from Norma beyond a sum of money she tried to pay him - blackmailing her by threatening to tell the police the truth about the robbery if his demands were not met within 24 hours.
Norma's son Warren Fox learned of Terry's blackmail attempts and opted to "sort" Terry out with threats, but Sharon Bailey witnessed the incident and changed her mind about going on a date with Warren, to Terry's amusement. However, after learning of the death of Juliet Nightingale, Warren changed his mind and paid Terry off himself.
Terry remained in the village, overhearing Norma and Warren forcing Ethan Williams to launder money for them through The Loft. Whilst helping Ethan clean up a smashed bottle, Terry took the bag and fled. Ethan informed Warren, who went to confront Terry with Felix Westwood, but Felix inadvertently trapped Warren in the car whilst Terry ignored Felix and drove off.
Terry returns in August 2023 looking for another payment from Norma blackmailing her once more over the stuff he knows about her. Norma agrees to let Terry on the cut of some betting cash for underground fights involving Felix who Terry recognises. Terry agrees after seeing Felix fight. However, Terry is double crossed by Norma after she receives the winning stating his not getting his cut as he threatened her. Terry is said to be unhappy, however Norma is unfazed and tells Terry if he returns she will unleash Warren on him.
Terry doesn't heed the warning from Norma. He returns to the village looking to steal from Warren again at his garage but Terry is caught by Ella Richardson who witnesses Terry about to steal a car, Terry laughs off Ella's attempt to use Warren's name to say his her father. Terry then decides to attack Ella in a bid to send a message to Warren however before he can do so, Warren arrives back the garage and beats Terry up threatening to kill him if he returns, Terry then flees the garage.