Tara is a homeless, six-year-old girl in New York. She was born in London and moved to the U.S. when she was three. Her parents and grandparents are her only family in America. In 2001, her mum and dad died in the 9/11 accident, and she moved in with her elders. They drove off a bridge shortly after her arrival.
When she heard the news of their deaths, she ran away and hid in the cement jungle of New York. She blamed herself for everyone's deaths, and she didn't want any more suffering to occur on her account.
After living on the street for a few days (2001, 6), she observed an unlucky vender being attacked by a ferret. Later that night, Tara and the ferret became best friends.
Captain Jack works for Torchwood, a secret government alien-control organization. They wanted him to continue to do their dirty work, even after he sacrificed his own love and grandson to save the world. So he ran away. This caused them to use an experimental alien-device on him, hoping to kill him, but it turned him into a ferret instead. He does not know how long it will last, or how to reverse it. He's waiting for the Doctor to come to help him.
Over the course of the years (2001-2004), Jack taught Tara ways to survive on the street.
In 2004, Tara woke up to Jack being very sick. He told her to find a blue box and get the Doctor. Tara did just that, but sadly, when Jack was fixed, the truth was unleashed: He is really a human. Tara ran into the Tardis in despair. Jack gave the truth to Tara, and explained how they met that day by the vender.
"I'm nine, and time-travelling with two great men!" she thought.
They go to Tara's parents' wedding, and visit Camelot and Robin Hood. Tara finds out about the Doctor's lover, and makes it her mission to find her.
On Tara's tenth birthday ("And my first on a time-machine!"), the gang went to the café at the end of the universe. There, the Doctor found hope of seeing Rose, his love, again: they overheard a rumor about a final rip in the universe. The Doctor, Captain Jack, and Tara went there and found the rip. The Doctor managed to talk to Rose, but it's not until 2010 when they finally meet.
After Tara's birthday passed, the travelling slowed down. The Doctor became sad, and Jack wanted to fix him. He dropped Tara off at a private boarding school, hoping to fix the Doctor and then get her within a week.
When Jack finally came back to pick up Tara, two years had passed! She was twelve, and it was 2006. She hadn't changed much, but she had lost hope that he would return, so she made a new life. She had a friend, a real education, and most of all, she was happy. At first, she refused to believe that Jack was real. The she realized the adventures weren't dreams, and she said goodbye to boarding school, to live her life in the universe.
Four years on the Tardis goes by fast.
They met many wonderful people: Martha, Danna, and oddly enough, another Doctor. Throughout the journeys, Tara grew more and more fond of Jack and the Doctor. But one day, (2010, 16) on modern earth, there was a knock on the Tardis door.
The Doctor and Jack went out and Tara stayed on the ship, where it was safe. Then they walked in, all three of them: the Doctor, Jack, and a blonde Rose.
Rose and Tara became great friends, and enjoyed each other's girl-talks. Tara was getting mad at Jack for not being easy to talk to. Now that there was another girl on the ship, she could gossip and do her hair all she wanted.
The four of them explored the galaxies and saved many planets. Rose and the Doctor started to date, and as time went on, Tara saw how envious Jack became. He was so sad and alone, now that the Doctor had someone else to love. Who would he do things with?
In 2012 (18), Tara longed to go home and go to college. It made Jack sad that she grew up, but he knew what was right. They let her go to school in Ireland to major in biology. She wanted to be a vet.
Two more years passed, and the letters stopped. Rose knew something must be wrong, so they took a trip to see Tara. When they arrived at the college, they were sad to hear that Tara had died in a campus fire. She ran in to save a professor, but she stopped breathing when she came out. Jack was destroyed by the news. He wanted to have been there for her, but he never wanted to get in the way of her studies and dreams. He didn't visit.
After paying their respects, they went back onto the Tardis. When they entered, a tall, pale, black-haired lady was sitting on the seat. She glanced up and her face glowed.
"Jack!" she screamed.
He looked puzzled, but understood: Tara was a ghost.