Bounderby attempts to cajole Stephen into telling him what went on at the union meeting, but Stephen refuses to be used as a spy. He says that Slackbridge is no more to blame for the desire of the workers to unionize than a clock is to blame for the passing of time, but he repeats his belief that the union will do no good. When he refuses to spy on the other Hands, Bounderby angrily dismisses him from the factory. Because his fellow Hands have ostracized him, Stephen will have to leave Coketown in search of work.

Outside Bounderby’s, Stephen encounters Rachael with the old woman he met once before, who introduces herself as Mrs. Pegler. Stephen takes the pair back to his room for tea, telling Rachael the news of his dismissal. In spite of Stephen’s misfortune, they pass an enjoyable evening and are surprised by the appearance of Louisa and Tom at Stephen’s door. Louisa was impressed with Stephen’s refusal to help her husband break up the union, and she offers him money to help him on his way. Deeply touched, Stephen agrees to accept only two pounds, which he promises to pay back. Tom summons Stephen outside and makes him another offer of help. Tom tells Stephen to wait outside the bank late at night for the next few nights, and if all goes well, someone will appear with assistance. Stephen spends the next few days preparing to leave Coketown, and he waits outside the bank each evening, following Tom’s instructions. He notices several people observing his loitering, including Mrs. Sparsit and Bitzer, but no one comes to offer him help. Finally, one morning, Stephen walks by Rachael’s house one last time, then sets out down the road out of Coketown, the trees arching over him, his own heart aching for the loving heart of Rachael that he is leaving behind.

As James Harthouse begins to enjoy some political success, he also begins to plan his seduction of Louisa. He and Louisa spend a lot of time together at Bounderby’s country estate near Coketown, and through their private conversations he learns how to manipulate the emotions that Louisa herself does not know she has. Realizing that her brother is the only person for whom she truly cares, Harthouse uses his influence over Tom to make him act more kindly to Louisa—and he makes sure she knows who is responsible.

One morning, Bounderby charges in upon Harthouse and Louisa, announcing that the bank has been robbed of roughly 150 pounds. The only suspect is Stephen Blackpool, who was seen loitering outside the bank late at night, shortly before fleeing from Coketown. Mrs. Sparsit, whose nerves have been shocked by the event, temporarily moves in with the Bounderbys, where she begins to spend more and more time with Mr. Bounderby, and insists upon referring to Louisa as “Miss Gradgrind.” Knowing that her brother is deeply in debt, Louisa suspects Tom of stealing the money. She confronts him about it one night, and he protests his innocence. However, as soon as she leaves his room, he buries his face in his pillow and begins to sob guiltily.

Thus far, Hard Times has consisted of two seemingly separate plot strands—the first involving Louisa and Bounderby’s loveless marriage, and the second describing Stephen’s ostracism from his fellow workers. In this section, however, these plots begin to coverge. This interweaving of the previously separate plot strands is illustrated by Stephen and Louisa’s meeting in Chapter 6, a meeting that brings Louisa into contact with a person of the working class for the first time in her life. This meeting illustrates that Louisa is not entirely without compassion or feeling, and it serves to further awaken her latent emotions. Previously, Louisa had known the Hands only as “[s]omething to be worked so much and paid so much,” but in going to Stephen’s room, she sees for the first time the suffering that these individuals experience.

The meeting at Stephen’s room is also important because it sets the stage for the bank robbery. While Louisa shows her ability to feel compassion, Tom reveals his self-interested, manipulative side when he tells Stephen that help may come to him if he waits outside the bank for several consecutive nights, since Tom is the person who robs Bounderby and frames Stephen. The weaving together of the two plots signifies that the narrative is approaching its climax, the moment when the conflict erupts.

This section of the novel also reveals changes in Tom and Louisa’s relationship. Ever since Tom asked Louisa to marry Bounderby for his sake, he has been growing increasingly distant from his sister. While he formerly confided in her and treated her affectionately, Tom now becomes sulky, refusing to answer her questions regarding his knowledge of the bank robbery. Indeed, Louisa is beset by problems on all sides. Not only must she contend with Tom’s sulky silence and his requests for money, but she is also prey to Mr. Harthouse’s advances. Meanwhile, Bounderby remains oblivious to her precarious situation, as he is concerned only with the bank robbery. Again, Louisa’s problems point toward the approaching climax of the novel.

The reappearance of the mysterious Mrs. Pegler in Chapter 6 illustrates the important role that seemingly minor characters play in Dickens’s novels. Characters such as Bitzer, Mr. Sleary, and Mrs. Pegler serve to draw together the many divergent plot strands, thereby moving the narrative forward. With Mrs. Pegler’s second appearance, we begin to realize that she must be somehow important to the plot. While Dickens keeps us in suspense about who she is and why she is important, he does provide some significant clues. For instance, when Stephen asks her if she has any children, Mrs. Pegler does not say that her son is dead, but instead replies, “I have lost him.” Furthermore, when Mrs. Pegler believes that Bounderby is about to enter Stephen’s room, she becomes extremely agitated and looks for a means to escape. From these details, and from the fact that she journeys to Coketown each year simply to catch a glimpse of him, we can infer that Mrs. Pegler is in some way connected to Bounderby.