Carl Grayson was a former client of Rick Neelan who ran into Gary Windass in Victoria Street in June 2019.
Gary had killed Rick in self-defence was he threatened violence against girlfriend Sarah Platt and her son Harry. Covering his tracks, he advised Carl that Rick had gone on holiday and subsequently his debt had been cleared. As Gary returned his passport, Carl pleaded for another loan but Gary initially refused - telling him to go to a bank. An increasingly desperate Carl explained that his daughter had been knocked over in a hit-and-run, and he needed the money to buy her the wheelchair that she needed.
Gary had an immediate change of heart and handed Carl an envelope containing £500, on an interest-free arrangement. Although appreciative, Carl told Gary that he'd need another £400 and the pair met again at Croesus Properties later in the day for the handing-over of the balance. At Carl's insistence, Gary wrote out a receipt for the monies owed, refused to keep Carl's passport when he went to surrender it again and an arrangement was put in place for Carl to repay £50 every Friday until he got back into employment.
- Credited on his appearance as "Carl", the character's surname was given in dialogue during Episode 10592/3 (21st March 2022).