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‘I remember you buying a preliminary sketch of this painting. We’d gone to London for the weekend and I’d got us tickets to see the Arsenal game, but you insisted we attend some fancy auction. It was always your ambition to own the original painting.’
She remembered the weekend well. It was supposed to be a romantic getaway … until she’d realised his idea of ‘romance’ was to take her to the blessed football. Stopping off at the auction had seemed only fair.
She followed him over. ‘You’re right, which is why I took the opportunity to display this copy when it was offered to me by an aspiring local artist.’ She’d rehearsed her answer many times, using a mirror to perfect her performance. She suspected Marcus didn’t believe her. He was too shady to be outwitted, but she wasn’t going down without a fight.
He resumed looking at the painting. ‘I assume you found the holdall?’
And there it was. The bombshell she’d been waiting for.
She cleared her throat. ‘What holdall?’
His gaze remained fixated on the painting, so he didn’t see her left eye twitching like a malfunctioning washing machine.
He turned slowly to face her. ‘I think you know exactly what holdall.’
‘Like I said, I gave your belongings to charity.’ She walked off.
He caught her arm. ‘Let’s go down to the basement and check.’
She yanked her arm free. ‘I have customers. I can’t leave the gallery unattended.’
‘I’ll go then.’
No way was she letting him loose downstairs. Not that he’d find anything, but that wasn’t the point. ‘It’s locked.’
‘I have keys.’ He had the audacity to dangle them in front of her.
She tried to swipe them, but he moved his hand. ‘Keys that my solicitor has repeatedly asked you to return.’
He shrugged. ‘Change the locks if you’re that worried.’
‘I can’t afford to do that. The security system is highly sophisticated. It would cost a fortune to replace it.’
He took a step closer, a calculating glint in his eye. ‘Tell you what, I’ll hand over my keys once I have all of my belongings back.’ His expression turned menacing. ‘And that includes the holdall containing my money.’
Her cheeks became instantly warm. ‘Wh … what money?’
He laughed. ‘Oh, I think you know what money. I must say, I was surprised. Little Miss Perfect finally did something wicked.’ He tapped one of her large hoop earrings, making it sway. ‘You actually stole from me.’
One of the businessmen glanced over. Lexi waved and assured him everything was okay before refocusing on Marcus. His cruel taunting had dissolved any guilt she might have felt at scamming him. ‘What a shameful accusation, Marcus. I mean, who would steal from their loved one, right?’
He had the good grace to look uncomfortable. ‘I never stole—’
‘Yes, you did. You didn’t bank the sale proceeds for my Franz Gerste collection. Instead, you ran off to Spain with your PA and left me to deal with your mess.’
‘I never meant for that to happen. You don’t know the pressure I was under. The garage was going bust. People were chasing me for money. HMRC were on my back. Everything I tried made it worse.’
‘That doesn’t justify you running off with Cindy, of all people. A woman who thinks Liverpool is a country.’ Lexi didn’t normally slate other women; she liked to think of herself as an advocate for women, empowering each other. But that was before she’d been dumped unceremoniously for a women ten years her junior. It stung.
Marcus sighed. ‘She’s certainly not you.’ He looked almost wistful.
Lexi resisted the urge to yell, then why did you run off with her? Instead, she opted for, ‘You’re damned right she’s not,’ trying to salvage something of her bruised self-esteem.
He took her hand before she could move it. ‘I miss you.’
Ignoring the familiar warmth of his touch, she met his gaze. ‘Well, I don’t miss you, Marcus. I don’t miss being lied to, stolen from or cheated on.’
Far from being deterred, he saw this as a challenge. He’d always been seduced by things he couldn’t have. She’d suddenly become unattainable. Nothing turned Marcus on more than the temptation of a woman saying no to him.
He stroked the back of her hand. ‘You forget all the good times we had.’
‘You’re right, Marcus, I do. I’ve made a conscious effort to forget every single one of them.’
‘I don’t believe you.’
‘Frankly, I don’t care what you believe. Now, please leave and don’t come back. I don’t want you in my life anymore. I’ve moved on.’
He was staring at her mouth like he used to when he was about to bedazzle her with his charms. ‘Christ, you’re sexy when you’re angry.’ He reached forwards to kiss her.
She pulled away. Jesus, his flattery skills had taken a dive.
‘I still love you, Lexi. You know that. We could be together again. Think of the fun we’d have.’ A glimmer of the old Marcus was back. A scheme forming in his mind as his eyes roamed over her body, no attempt to hide where his thoughts were headed. ‘We’d make a great team. You and me, hustling the world. I’m not angry you took my money. Actually, I admire you for it. I never thought you’d have the balls. Think what we could do with it? You’ve been a goodie two-shoes for too long. It’s time to unleash your inner bad girl.’
Words every woman longs to hear … not.
What an idiot Marcus was. What an idiot she was for marrying him.
She was about to tell him as much, when someone banged on the gallery door.
A tall man with thinning beige hair and matching raincoat was peering through the glass. He drew out an identity badge and held it up.
Oh, Christ, what now?
‘Who the hell is that?’ she said, praying it wasn’t the police. Not that she’d done anything wrong. Well, not much.
‘No idea, but I’m not hanging around to find out.’ Marcus shot over to the steps leading down to the basement before she could stop him.
She was about to go after him, when she realised she needed to deal with the official-looking man first. Not to mention her customers. Marcus wouldn’t find what he was looking for downstairs. He was a problem for later.
Unfortunately, she realised the businessmen had left. They’d obviously grown tired of being kept waiting. She’d missed out on a sale. Bloody Marcus!
The man in the raincoat stepped inside. ‘I’m looking for Mrs Alexia Aldridge,’ he said, tucking his glasses inside his worn coat.
She turned to him. ‘Well, you’ve found her. Although Aldridge was my married name. I’ve reverted to my maiden name of Ryan.’
He held out his name badge for her to read. ‘Brian Falk, investigating officer with the insolvency headquarters. I have a few questions.’
Jesus, hadn’t they quizzed her enough fifteen months ago? ‘Now isn’t a convenient time. My assistant isn’t in. Can you come back another day?’
‘This won’t take long.’ He obviously wasn’t going to leave.
With a sigh, she locked the door and flipped the closed sign. The sooner she answered his questions, the sooner he’d be gone. She needed to get Marcus out of her basement.
‘Follow me,’ she said, showing him into the back office. ‘Tea, coffee?’
He placed his briefcase on the floor and sat down. ‘Just water. Thank you.’
She went over to the kitchenette, trying to stem the rising feeling of panic. Why was he here? Did he know what she’d done?
Water slurped over the edge of the glass as she carried it over to him, her nerves betraying her. ‘So, how can I help you, Mr Falk?’
He put his glasses back on and laid his briefcase across his lap. ‘As you know, we’ve been looking into the matter of undeclared assets for you and your husband—’
‘Ex-husband.’
He peered over the top of his glasses.
‘We’re no longer married.’
‘My mistake.’ He removed a document from his briefcase. ‘Further evidence has come to light with regard to a life insurance policy taken out for you and your husband.’ He handed her a document. ‘Are you familiar with the policy I’m referring to, Mrs Aldridge?’
‘It’s Ms Ryan.’ She took the document from his outstretched hand. ‘And no, I’m not.’ She carried the document over to the table and sat down.
‘If you would care to look at the policy details and the withdrawal section on the back, you’ll see both documents bear your signature.’
She gazed down at the document in her hand, a document she’d never seen before. The Royal Sun Alliance policy appeared to have been taken out in August 2014, shortly after they were married. Both of their names were listed. Why the hell didn’t she know about this?
The investigator cleared his throat. ‘I note from your interview with Mr Dickens, the official receiver, on 9 February 2017, that this policy wasn’t mentioned as part of your marital assets. I wonder why that was?’
She stared at the document. ‘Because I never knew it existed.’
‘I find that a little hard to believe. After all, that is your signature on the policy, is it not? How do you account for that?’
‘I … I can’t. What I mean is, I’ve never seen this document before in my life.’
It was clear he didn’t believe her. He removed a pad from his briefcase and scribbled something down. ‘Are you quite sure? Forgetting about its existence would seem a little strange. Especially as you and your husband surrendered the policy shortly before the bankruptcy hearing.’
She felt something hard hit her in the chest. There was no way she’d have forgotten that. She lifted the document closer, studying the handwriting. ‘I … I don’t understand. How can a life insurance policy be cashed in if both parties are still alive?’
‘As I said, the policy was surrendered. The terms and conditions allowed for the refund of premiums paid into the account up until its cancellation. Surrendering the policy would have incurred hefty fees, but there would still have been a substantial payout.’
She stared at the document, trying to make sense of it. Had she really forgotten about it? Surely not. The print was tiny, the list of terms and conditions hard to distinguish, but true enough, there at the bottom of the page appeared to be her signature. She peered closer, trying to fathom why she couldn’t remember signing it. ‘And when did you say it was cashed in?’
He checked his notebook. ‘Third of November 2016.’
The text on the page blurred before her as tears filled her eyes. That was two weeks before Marcus had run off with Cindy. The familiar pain of betrayal settled over her. The realisation that Marcus had been defrauding her since the day they were married was a feeling like no other she’d experienced. She’d been convinced his illegal antics were solely linked to the financial problems of his used-car business. But this was premeditated. A deliberate action designed to scam his own wife. Jesus. Marcus really had been a cheat. In more ways than one.
Trying to contain her anger, she looked at the investigating officer. ‘This is not my signature.’
‘I beg your pardon, Mrs Aldridge?’
‘My name is Ms Ryan … and I said, that’s not my signature.’ She flipped over the page, looking for the withdrawal section. There it was again, her signature … but not. ‘The reason I don’t remember taking out this policy, or cashing it in, is because I never knew it existed.’ She got up and handed him the papers.
He raised his eyebrows. ‘Are you saying that your husband forged your signature?’
‘I … I suppose I am.’ She shrugged. ‘All I really know is that I didn’t sign it.’
He scribbled something down in his notebook. A few seconds ticked by before he looked up.
‘Have you been in contact with your husband recently, Mrs Ald … err … Ms Ryan?’
Her left eye began twitching again. She moved away and tore off a wodge of kitchen roll, wrapping it around her finger, which had started to bleed again. ‘Marcus and I are divorced, Mr Falk. He’s with someone else now and currently residing in Spain. Thanks to his incompetent finances and illegal business ventures, I lost my home and suffered substantial financial hardship.’ She glanced around the office. ‘My business is all that I have left.’
‘That’s not what I asked.’ He watched her carefully. ‘I asked whether you’d been in contact with him recently.’
Her cheeks started to burn. She had two options. Deny all knowledge and be rid of him or admit that her ex-husband was currently rummaging around in her storage basement looking for a holdall containing twenty-seven thousand pounds.
A more pressing thought struck her. ‘How much was the insurance pay-out?’
He paused before answering. ‘Twenty-seven thousand pounds.’
Oh, cripes!
Time slowed … and then sped up, causing her stomach to dip.
So that’s where the money had come from … She’d assumed it had come from the sale of her Franz Gerste collection. Only it hadn’t.
A mixture of anger and dread filled her gut. Once again, Marcus had shafted her. But she was equally annoyed with herself. That single momentary lapse of judgement nine months ago was coming back to haunt her. And now she was paying the price.
But she’d been in such a desperate place. She was still reeling from discovering that Marcus was sleeping with his PA and had a gambling addiction. And then the court bailiffs had turned up at her home to seize goods. She’d had to endure a humiliating court hearing, employ an expensive solicitor to argue the gallery’s exclusion from the bankruptcy and borrow money from her sister Tasha to pay for it.
She’d won her case, but every other asset had been sold to pay off Marcus’s business debts, leaving her with a frozen bank account, a poor credit rating and no home. All because Marcus’s business hadn’t been a limited company, leaving them personally and jointly liable.
And she’d accepted her fate. Through it all she’d been stoic and honest – she’d even assisted the official receiver in complying fully with the insolvency regulations. But the discovery that Marcus had failed to bank the money from the sale of her Franz Gerste collection had sent her over the edge.
When she’d gone to the house to collect the last of her belongings before the enforced repossession, she’d stumbled across a black holdall containing twenty-seven thousand pounds. All the promises she’d made to be trustworthy and law-abiding evaporated. She took the money and didn’t declare it.
Despite her overwhelming guilt, she’d reasoned that the money had come from her paintings. Paintings that belonged to the gallery so weren’t a joint asset and therefore shouldn’t have been included in the bankruptcy. But getting the official receiver to agree to that would have involved another expensive court hearing, which she couldn’t afford.
She’d considered using the money to pay off her debts, especially the money she owed to her sister, which she’d now cleared. But she’d decided against it. Mainly because she was still within the twelve-month bankruptcy period and the official receiver was monitoring her personal finances. He would have wanted to know where the money had come from and she hadn’t wanted to drag Tasha into her mess.
So, instead of declaring what she’d found, she’d kept quiet and used it to purchase the Woman at the Window painting. It was supposed to be an investment, compensation for her suffering. But however much she tried to justify her actions, she’d still broken the law. Not to mention using her art dealer credentials to cover her tracks and avoid any suspicion of money laundering.
And now an investigator was threatening to expose the one tiny chink in her otherwise flawless existence.
She needed time to think. She also needed to throttle her scumbag, cheating liar of an ex-husband, who was currently in her basement.
‘In answer to your question, Mr Falk, I’ve not been in contact with my ex-husband.’ The twitch in her left eye increased.
