I'm looking for some reassurance on the last two clues.
5D Literary heroine gives 12 points to mother (4). - M - A. I think this must be Emma, but don't understand the reference to 12 points.
13D About to hand over money for cane in the post (10). R - M - T - A - C -. This must be remittance, but I don't follow the logic of how this is constructed.