Chapter 1

I caught the Central Line train at Loughton, having driven in from Abbess Roding as I did every morning. There are a number of villages in that area of north Essex with the suffix Roding. They took their name from the River Roding which rising in the East Anglian Heights flowed southward meandering through the county; changing its name along the way to Barking Creek before adding its waters to the Thames. Roding was sometimes pronounced Roothing, a name going back to Anglo-Saxon times when the river was known as Hrodinga. Those first Englishmen pronounced the letter 'd' as 'th'. It's quite remarkable how we live everyday in this island alongside reminders of more than a thousand years of history.

It was more convenient to get the train at Loughton as the car park there had far more room than that at Ongar. The service from Ongar to Epping had in any case been suspended in nineteen ninety-four, possibly because few, like me, used the service. The train journey was simply a time to think, my sub-conscious ticking off the stations without my having to read the station signs. I had made this journey so many times that looking out of the window was no longer of interest, same old, same old. The backs of terraced housing built after the line had extended out into Essex; a ribbon of humanity following the railway towards green fields escaping from the grit and grime of London. Once busy goods yards had become crowded car parks at the stations along the line as this was now commuter land ... My ears recognised the clickety- clack as other lines that fanned out into the great suburbia joined the artery that fed me and thousands of others into the maul of commerce that was the City. The whine of the electric motors as the train accelerated then a roar and pressure on the ear-drums as the tube train descended into tunnels scarcely wider than the carriage itself; would tell me we had just left Leyton. A gradient took us back into the light at Stratford followed by another descent into tunnel. None of these distracted my attention from the morning paper yet they were filed in my sub-conscious sufficiently for me to know exactly where I was without looking out of the window. I did take notice on arrival at Mile End where hundreds left the Central crossing the platform to the District Line and more hundreds crammed into the spaces they had left until there was standing room only. The next stop was Bethnal Green where I would leave. So tightly packed was the carriage that I would start making my way to the doors as soon as the train left Mile End. I would push past bodies that were confined by yet other bodies in the close packed carriage. The ensuing crush forced me to a closer intimacy with these strangers than they or I would wish. Breasts, hips and bottoms were brushed and squeezed involuntary as I struggled through the throng, my briefcase catching in skirts and between legs impeding my progress. At last I reached the doors just as the train squealed to a halt. With a hiss the leaves slid open and I would push out fighting against the surge of passengers boarding the train.

Walking out of the station into fresh air was a pleasure. The London Underground by virtue of being the oldest system of underground mass transit in the world suffered from problems. The most immediate was the lack of air conditioning, but then those Victorian and Edwardian adventurers who built the system couldn't anticipate the advent of that particular convenience. Or that so many people would travel on the system. It wasn't far to my office which was in Old Street and I enjoyed that short but brisk walk. A door to one side of a newsagent gave access to a steep flight of stairs. The Punjabi immigrant who owned the shop waved cheerily when he saw me, making a show of examining his wrist-watch. That was his comment on my unvarying punctuality. Another door at the top of the stairs allowed entry to the lobby of my office 'suite'. Two rooms, the larger front room was the office with my desk and filing cabinets and the other smaller room had become a kitchen with a toilet in the corner. Not exactly a plush suite but it suited me as I had no staff. My briefcase was placed to the side of my desk, the paper went on top of the filing cabinet and I went through to the kitchen, filled the kettle and plugged it in setting it to boil. Back at my desk I checked the phone for messages making notes on my pad of those that were important. I unlocked the filing cabinet and took out the dossier that I was working on. These were the accounts of one of my clients. I was a Certified Accountant and this was my world.

My name ... Well it doesn't matter really as I went under a number of pseudonyms. At school I was first called Jessie on account of my lack of height and body weight I was only five foot six and weighed about six stone. I am still five foot six but my weight has increased now. Those who called me Jessie were bigger boys, bullies all who picked on me with impunity. I learned a valuable lesson there apart from the official lessons. I learned that the world worked on 'trade-offs'. The bullies who didn't bother too much about studying; they would slip into a life of crime anyway; still had to pass exams and it would not do for them to be seen as the dunces of the class. I did apply myself to the lessons and soon I was in a position where they needed my knowledge. So an uneasy truce was forged. I helped them, by doing their homework for them, making crib notes for the exams and they would pick on someone else at the same time protecting me from other would-be bullies. Did I feel guilty that others were then the target of their bullying? No. I grew up in the East End of London and that world had always had the strong and the meek with violence happening every day. Strength was not always muscle and men learned early to use whatever talent they had to survive. People who were not Londoners would call me a Cockney but they were wrong as I hadn't been born within the sound of 'Bow Bells'. My Dad was a Dock worker. Waiting in line every morning at the Dock gates with all the others to see if the foreman had work for him on that day. He was killed working in the hold of a ship when the net hoisting a load broke. The contents of the net, Brazil nuts, fell on him. Dock workers were always casual labour, so there was no insurance or compensation. After his death Mum would work three cleaning jobs to clothe me and make sure that when I went to school I was properly turned out. My going to grammar school was an additional problem for her as I then needed the sports kit for Cricket in the summer and Rugby in the winter. She managed, often going without so that I had what I needed. When I turned twenty three and had passed my accountancy exams, she left. I suspect that she had a man friend all those years after Dad died and decided that having done her job she could now have her own life. I could manage on my own. I never saw or heard from her again.

In later years at school the name 'Jessie' was forgotten and I became just Jes, possibly an acceptance by the bullies that I was of more use to them onside than as the target of their cruel games. Those bullies had indeed taken up the life of crime and still call me Jes as I now undertake to keep their accounts looking good for the Inland Revenue. They can't declare that the majority of their earnings come from the proceeds of crime. So I created businesses that could show profits for them to declare whilst leaving them with most of their income untaxed and untouchable. I do well out of the arrangement, my earnings are declared and taxed accordingly although quite a tidy sum is tucked away in foreign accounts safe from our greedy politicians. As far as the taxman is concerned I am an honest Accountant and very successful.

I also occupy a position which could best be described as criminally diplomatic. London and all other large cities tend to be parochial. The bosses each define an area that they call 'theirs' and sanction or deny the plans of lesser thieves within their boundaries. The criminal fraternity, usually saddled with a volatile nature are not good at talking to each other so from time to time I would get a request from Mr. Brown to discuss a problem with Mr. Green. I had been blessed with a calm and non-combative nature so I could address the problem and find a solution. Gang wars are not good; they attract too much attention in the papers and from the police. Quiet diplomacy allows crime to flourish without attracting attention. Mr. Brown and Mr. Green are of course pseudonyms as is mine of Mr. Smith when they refer to me. I, of course know their real identities, as I said I went to school with many of them. Commissions received for these services form the basis of my untaxed safety net. Crime has changed over the last few years. Bank raids and attacks on Armoured Vans are history. Now crime thrives on internet fraud, credit and debit card theft and cloning. Most people walk around with thousands of pounds available to them in their purse or pocket in the shape of little plastic cards. My clients take advantage of that. It's almost a victimless crime, as the losers are the banks and the insurance companies. I do not kid myself. I am as much a felon as my clients simply by keeping their confidence; under U.K. law Conspiracy is just as culpable as the actual crime. Our system worked smoothly, I was beginning to doubt that I could say the same about my marriage.

I was starting to think that Lily, my wife had something to hide. I had no positive evidence for this, no detail, no photographs, no mysterious calls, no unexplained absences. It was the lack of some details that brought about my suspicions. Accountants look at the detail that others ignore. Credit Card bills come in and most people either look casually at the balance and pay, or ignore them completely allowing the direct debit they have set up deal with the account. I didn't. I examined closely every item and the interest charged. If you believe that credit card companies don't make mistakes you are living in cloud cuckoo land. Over the last few months Lily had added to her wardrobe a rather nice dress and a very elegant suit. Even I could tell they were not cheap. At first I was pleased that she wanted to look good for me and she did wear them at social events we attended together. In the main she wore them to work. They were probably better quality than I would think suitable for work. It was curiosity that led me to see how much they cost. The detail that alerted me to a problem was that no charge appeared on her credit card statement. The bank statement, it was a joint account, did not show a charge either. Nor were there withdrawals of large cash sums to cover the cost, so to all intents and purposes Lily had got these clothes free of charge. If there was one thing I had learned in my formative years it was that you don't get anything for nothing in this world so how did she come by these items? It may be that they were provided for her work, after all receptionists needed to look good as the first impression of her employer. The other thought that bothered me was that someone, probably a man had bought them for her. Was there a trade-off somewhere along the line? If a man were to buy a pretty lady some clothes it was usually on the understanding that at some time he would be allowed to take them off the wearer and enjoy the pretty lady when she was unclothed. Was there another man in the picture? I could not say except that this needed investigating. Some I could do myself, but for most of the investigation I needed to find others who could help.