‘I was only sent the file on Monday. On Wednesday I called your office.’
‘Did you know that he committed suicide?’
Turtledove’s jaw dropped.
‘I assume from the look on your face that you didn’t,’ said Nightingale.
‘Good Lord, what happened?’
‘He blew his head off with a shotgun,’ said Nightingale. ‘I don’t suppose he left a note with you, did he, anything that you were supposed to give me?’
‘There was nothing,’ said the solicitor. ‘He killed himself, you say? That’s terrible. That’s simply terrible.’
‘And you never went to Gosling Manor?’
‘Never.’
‘And so you didn’t leave an envelope on the mantelpiece?’
The solicitor frowned. ‘I’m sorry, I don’t understand.’
Nightingale waved his cigarette dismissively. ‘It doesn’t matter,’ he said. ‘You’re being paid for your work, I assume. You’re not doing this out of the goodness of your heart.’
‘Of course I’m being paid,’ said Turtledove.
‘By whom? Specifically,’ said Nightingale. ‘I want a name.’
Turtledove flicked through a case containing business cards. He took one out, squinted at it and handed it to Nightingale. ‘This is the gentleman who handled your father’s finances. He’s the manager of a bank in Brighton.’
‘But you haven’t met him?’
‘No. He sent me a retainer and a promise to pay my bill in full once the will had been executed.’
‘Why are you being paid by a bank in Brighton and not by the lawyer who sent you the file?’
Turtledove looked pained. ‘I’m afraid I can’t answer that, Mr Nightingale. As I keep telling you, everything about this matter has been irregular and, frankly, I’m starting to wish that I’d never heard of Ainsley Gosling.’
‘You and me both, Mr Turtledove,’ said Nightingale.
9
The bank manager was a middle-aged man in a dark blue pinstriped suit. His office was a windowless cube in a featureless block a stone’s throw from the Brighton seafront. ‘My name’s Mr Collinson,’ he said. ‘I’m the manager here, but I’m not sure how I can help you.’
Nightingale never trusted men who introduced themselves as ‘Mr’. It suggested that they wanted to impose their authority on you from the start. There was a brass nameplate on the desk that announced his full name – Phillip Collinson – but even that was preceded by ‘Mr’. Collinson waved him to a small, uncomfortable plastic chair with metal legs while he himself took the massive leather executive model, with large arms and a high back, the type favoured by shaven-headed villains in James Bond films.
The bank manager was balding but had artfully combed his hair across the top of his head and used gel to keep it in place. He leaned back and pursed his thin lips as he scrutinised Nightingale’s business card. ‘Mr Nightingale, if you are Ainsley Gosling’s son, why the different surname?’
‘I was adopted, apparently,’ said Nightingale. ‘But surely you know that. Didn’t you instruct Turtledove?’
‘I didn’t actually instruct him,’ said Collinson, placing the card on his desk and steepling his fingers under his chin. ‘The instructions regarding the execution of the will came from a law firm in the City. I’ll be paying Mr Turtledove for his work, but that’s the end of my involvement.’
‘But you met Mr Gosling?’
‘Of course, several times. He was a valued customer.’
‘Did he come here or did you go out to Gosling Manor?’
‘We went to his house,’ said Collinson. ‘Mr Gosling was reluctant to travel so either I or the deputy manager would go to see him.’
‘Do you do that for all of your customers?’ asked Nightingale. ‘My bank manager won’t even see me to talk about my overdraft.’
Collinson smiled without warmth. ‘As I said, Mr Gosling was a valued customer.’
‘Rich, you mean?’
‘Rich is relative,’ said Collinson. ‘But let’s just say it was worth our while to keep him happy. But I don’t understand why you’re here now, Mr Nightingale. Mr Turtledove will be handling the will and the distribution of assets. It’s nothing to do with the bank.’
‘Did he ever mention me?’
‘No, he didn’t.’
‘He didn’t mention that he had a son?’
‘Never.’
‘You said he was a valued customer,’ said Nightingale. ‘Exactly how much was he worth?’
Collinson sat back in his executive chair and patted his hair, as if he was checking that the comb-over was still in place. ‘That’s confidential, I’m afraid. I can’t reveal details of a client’s account.’
Nightingale reached into his jacket pocket, took out a photocopy of Ainsley Gosling’s will and gave it to him. ‘I’m his sole beneficiary, so anything he has will come to me.’
Collinson licked his upper lip as he studied the document. Then he put it on the desk and leaned back in his chair again. ‘To be honest, Mr Nightingale, I don’t think there will be much coming your way. During the last years of his life, Mr Gosling spent most of his funds.’
‘On what?’
Collinson chuckled. ‘We don’t ask our customers what they spend their money on,’ he said.
‘The house is worth a lot.’
‘It’s heavily mortgaged,’ said the bank manager.
‘But you said Gosling was rich.’
‘That’s what you inferred, Mr Nightingale,’ said Collinson.
‘All right, a valued customer, you said. But you’re saying he died penniless?’
‘Not penniless, no,’ said Collinson. ‘But last year he took out a large mortgage on the house and during the two years prior to that he withdrew the bulk of the funds he was holding with us. The credit crunch didn’t help, of course – the house fell in value, as did his stock portfolio.’
‘There was no furniture in the house, did you know that?’
‘It was fully furnished the last time I visited. Beautiful things, mostly antiques. And a very valuable collection of paintings.’
‘Well, it’s all gone now,’ said Nightingale. ‘How much money did he have with you before he started withdrawing it?’
‘I wouldn’t be able to get the figure without looking at his file,’ said the bank manager. ‘I’m not sure I can do that, even with you being his heir.’
‘Approximately,’ said Nightingale. ‘A ballpark figure.’
‘Ballpark?’ Collinson stared up at the ceiling as if the numbers were written there. ‘I’d say twelve million pounds in cash. A million or so in Krugerrands and gold bullion. A stock portfolio amounting to some fifteen million pounds, give or take.’ He looked back at Nightingale. ‘I’d say somewhere in the region of twenty-eight million pounds.’
‘And the mortgage?’
‘Two million,’ said Collinson.
‘So you’re saying that in just a few years Ainsley Gosling went through thirty million pounds and you’ve no idea what he spent it on?’
‘More than that, I’m afraid,’ said the bank manager. ‘We only handled his UK assets. My understanding is that there were funds in the United States, Central Europe and Asia, notably Hong Kong and Singapore.’
‘Amounting to how much exactly?’
Collinson shrugged. ‘I don’t have exact figures for his overseas assets, but it would certainly be in excess of one hundred million pounds.’
Nightingale sat stunned. ‘A hundred million?’
‘In excess of.’
‘And it’s all gone?’
‘I’m afraid so, yes.’
‘There’s no suggestion that he was being blackmailed or had a drug or gambling problem?’
‘We don’t make a habit of prying into the private lives of our clients, Mr Nightingale,’ said Collinson, disdainfully, as if Nightingale had just accused him of shop-lifting.
‘Just so long as you have their money?’
‘Exactly,’ said the bank manager, missing the sarcasm.
10
Nightingale wanted a drink and time to think. He drove back to London, left the MGB in the multi-storey car park close to his office, then slipped into one of his favourite local pubs. It was a gloomy place that had yet to be given a corporate makeover – no fruit machine, no olde-worlde menu with microwaved lamb shanks and chilli con carne, just a long bar and a few tables and a grizzled old barman who didn’t look at him or try to start a conversation. As he walked to the bar he called Jenny on his mobile. ‘I’m in the Nag’s Head,’ he said. ‘I need some thinking time.’