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(theme music)

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(Narrator) Every fraud
begins with a promise,

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but most don't end in a murder.

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I think all murder cases
are extremely traumatic,

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but with this case,
it also goes beyond that.

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(Narrator) A quick fortune,
easy money, or a life torn apart.

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(Bryanna Fox) He was trying
to get as much money as he could.

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Almost seemed like he wasn't
really even trying to hide

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what he had done that much.

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(Narrator)
But behind these illusions lie

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calculated deceptions
carefully hidden in plain sight.

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Romance fraud is
perpetrated on a victim

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who thinks that the person is
their partner, their lover.

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(Narrator) Sometimes these
criminals are backed into a corner

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and feel their only
way out is to kill.

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We called it the "Dirty
Rotten Scoundrel" case,

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like the Steve Martin film,
except this was no comedy,

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this was a tragedy.

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(siren blaring)

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(dramatic music)

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(Martin Evans) So the first
I knew of this case is when

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I received a press release
from Scotland Yard

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flagging up a missing person.

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I think the contrast
of the two individuals

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who were tragically
brought together really

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makes this case
particularly stand out.

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(Narrator) In April 2012,
49-year-old Carole Waugh

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vanished without a trace.

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Martin Evans is
a British journalist

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who followed the case
from the start.

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He began by building
a picture of Carole's life.

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(Martin)
So my name is Martin Evans,

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and I'm the Crime Editor
at the "Daily Telegraph."

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Carole was 49 years old
when she went missing.

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She came from quite humble
origins, mining village

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in County Durham
in Northeast England.

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But she was very well travelled.

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We knew that in her 20s,
she'd worked for an oil company,

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had moved to Tripoli in Libya,
and had travelled

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extensively through work.

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She'd also done very well for
herself financially and had been

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able to...to buy a flat
in Central London

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in a very desirable location,

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and by her mid-40s,
had paid the mortgage off there.

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(dark music)

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(Officer) Carole was
financially independent.

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She lived a...a good lifestyle.

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She...she lived in
a nice part of town.

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And to all intents and purposes,
her family saw

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that she was living
a glamorous lifestyle.

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(Narrator) After several
years working abroad,

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Carole returned to the UK in 2008
and had been living alone.

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(Martin) From what I understand,
she did have,

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I think, two long-term
relationships

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while she was living overseas,
one with an Australian gentleman.

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But my understanding is that by
the time she'd returned to the UK,

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those relationships had ended
and she was essentially single

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while she was living in London.

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I think Carole was
a very private person,

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and possibly also quite shy.

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Perhaps found it difficult
to...to...to make friends easily.

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She wasn't a particularly
gregarious person.

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I think there was
a sense, perhaps,

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that she was quite lonely.

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She lived in Central London, which
can be quite an anonymous place,

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a very transient community.

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Despite the fact she lived
by herself in Central London,

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she was still very close
to...to her family,

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to her elderly mother,
who still lived in County Durham,

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and her brother, Christopher,
who lived in Cumbria.

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We know that she would speak to
her mother several times a week.

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(Officer)
Since she moved back to the UK,

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she was lonely.

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Due to her loneliness,
she started to seek companionship.

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(Narrator) In early 2011,
Carole began a new relationship

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with a man she met online.

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(Martin) Rakesh Bhayani, a married
man from Wembley in North London.

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And they became friends,
and eventually

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embarked on a relationship.

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He would take her to casinos
and lavish her with gifts.

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And, you know, she...she obviously
enjoyed the attention.

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(Officer) It was clear
that Carole and Bhayani

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had been in regular contact.

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I mean, it was fair to say that
we could assume that they were

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having some kind of relationship.

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(Narrator) Bhayani had a dark past
that he kept hidden from Carole.

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(Martin) Rakesh Bhayani,
he was a fraudster,

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a serial criminal, a liar,
and somebody who had spent

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his life in and out of prison.

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He had numerous convictions.

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Yeah, a very, very
undesirable character.

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(Bryanna) I'm Dr Bryanna Fox.

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I'm a psychological criminologist
at the University of South Florida

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and a former FBI Special Agent.

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It seems, from the law enforcement
investigation into this case,

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that Bhayani actually was
a gambling addict himself.

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He spent enormous sums
of money on gambling.

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(Martin) He'd actually been banned
from every branch of Ladbrokes

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in the country for trying
to pass counterfeit notes.

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(Bryanna)
One thing that often happens

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is they call it
good money chasing bad,

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where people who are
gambling addicts think,

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I've lost all of this,
but you know what?

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My next time,
I'm going to get it back,

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on the next hand,
on the next play.

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And they keep doing it
because they think

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they're going to win the enormous
sums that they lost back,

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but really, the hole just
gets deeper and deeper.

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(Narrator) A few months
into their relationship,

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Bhayani asked Carole for a loan.

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Bhayani, obviously he was
a very accomplished con man

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and swindler, and so he didn't
just immediately ask Carole

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for a huge amount of money
because she...you know,

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she may have understandably
been suspicious.

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I think his strategy was...
was more canny than that.

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He initially asked her
for...for small loans,

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which he then paid back quickly,
and by doing that, won her trust.

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(Bryanna) It's obviously important
when you're in a relationship

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that the trust is there so
the person isn't going to take

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advantage of them financially,
but people who are con men

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and are successful at it,
they look for vulnerable victims

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that either are going
to be in denial,

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not willing to see
what's going on,

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are more vulnerable
to love betrayal

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where they have this need
for friendship and companionship,

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and the person that they're
trusting takes advantage of them.

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(Martin) Bhayani clearly
had a lot of charm.

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He was clearly a very persuasive
person, you know, despite the fact

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he'd been caught many times
and been to prison.

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There was clearly something about
him that was very persuasive.

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(Bryanna) Carole was looking
for a companion,

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and he filled that gap for her.

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Nothing about her that was
wrong or deficient

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or she wasn't
a good judge of character.

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He is that convincing
and good at it.

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(Fiona Hotston Moore)
My name is Fiona Hotston Moore,

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and I'm a forensic accountant
and expert witness.

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Fraudsters prey on
the vulnerabilities of the victim.

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They prey on the loneliness
of the victim.

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It very quickly becomes
a relationship as opposed to

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just having met the person.

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And they know how
to play that person.

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They encourage them

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not to share what's going on
with their friends,

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so they encourage them
to be isolated.

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So after a period of time,
the loans that Bhayani was

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asking for increased, and
eventually, after several months,

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he asked for a 40,000-pound loan,

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which was obviously
a considerable amount of money.

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Of course, he's a charming guy.

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This guy could charm
the birds from the trees.

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Some people believe
what they want to believe.

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They don't want to believe
that they've been conned

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by somebody close to them,
conned by somebody

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that they are close to.

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For somebody that's relatively
well off as Carole was,

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it's not that uncommon to give
a rather expensive gift

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to somebody that they care about
as a romantic partner,

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but $40,000 in cash
doesn't exactly say romance.

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So I think law enforcement,
when they see this,

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they think,
why was this woman giving

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her partner with
a gambling addiction

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such a large sum of money?

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Was this really a gift,

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or was he essentially
coercing her?

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And it seemed very likely
that the latter was possible.

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(Narrator) During her
relationship with Bhayani,

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Carole's flat was broken into.

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(Officer) I think Carole
might have suspected

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that Bhayani had been
involved in the burglary

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where a number of her items
had been stolen.

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But even so, she still
maintained the relationship.

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This doesn't mean that
Carole was foolish.

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It just shows us
what an accomplished con man

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Bhayani really is.

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Offenders like Bhayani who are
just brilliantly eloquent,

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they are very charming...

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I mean, I've been
in rooms with them

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where I have had conversations

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and I'm laughing.

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They're so likable,
you have to almost

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remind yourself
of what they've done.

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You feel sorry for the victim,
thinking, wow,

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they never saw this coming.

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(Narrator) In 2011, Bhayani
became involved with people

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in the London criminal underworld.

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While he was seeing Carole,
Bhayani managed to get his hands

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on some counterfeit money, got
himself involved in some gangs,

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some...some dangerous people
you don't want to mess with,

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but this all backfired,
because Bhayani soon got arrested

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and found himself
in prison on remand.

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(Martin) By that stage,
his relationship with Carole

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was such that she supported him.

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Rather than turning away
from him, she...

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she went to visit him in prison.

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We know she wrote
a letter of reference

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to the judge describing him
as one of the good guys.

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It's clear that by that stage,
he had completely hoodwinked her

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and she was completely
in his corner.

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(Narrator) While in prison, Bhayani
met 48-year-old Nicholas Kutner.

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They are essentially
two peas in a pod.

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Another serial fraudster
and con man,

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he's got a string of convictions.

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But by the age of 19,
he was already in prison

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for fraud and had racked up
almost 100 offences

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by the time he meets Bhayani.

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And Kutner, he was deeply
unpleasant, incredibly arrogant.

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He'd been adopted as a child and
had...had a privileged background

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growing up with a wealthy family.

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But during his time, Kutner
has still managed to build up

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quite an impressive
criminal resume.

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He'd been arrested
at least 13 times

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and had got over 90 convictions
to his record.

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His favourite cons included
jewellery and fine wines.

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He would also exploit girlfriends,
stealing from them

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and stripping them of assets.

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(Narrator) Kutner's previous
frauds included using his

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girlfriend's identity to buy
5,000 pounds in fine wine

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and using fraudulent cheques
to purchase

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jewellery worth 17,500 pounds.

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(Officer)
When Kutner and Bhayani got out

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of prison, they stayed in contact.

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And at this point, Bhayani was
still in the relationship

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with...with...with Carole,

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and he was still borrowing
money from her.

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(Martin) When Bhayani comes
out of prison, the scales

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haven't fallen from
Carole eyes by that stage.

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She resumes
the relationship with him

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and is trying to do everything
she can to help him.

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She genuinely believes that
she can turn him around

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and help challenge
his gambling addiction.

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She lends him 12,000 pounds,
which he says will pay

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for rehabilitation,
but, of course, you know

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that money's going
straight to the casino.

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I think there is a stigma
attached to romance fraud.

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I think people are
very embarrassed

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if they're caught out in this way.

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They're probably very flattered
to have a relationship,

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and therefore, when
the relationship turns out

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to be fraudulent and not to be
an affectionate one

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or one driven by affection,
they are embarrassed

242
00:13:32,960 --> 00:13:34,960
and they are very reluctant

243
00:13:34,960 --> 00:13:37,960
to tell friends and family
and authorities.

244
00:13:38,960 --> 00:13:42,960
(Narrator) On April 16, 2012,
phone records showed

245
00:13:42,960 --> 00:13:46,960
Carole and Bhayani made
contact with another man,

246
00:13:46,960 --> 00:13:51,960
whom Bhayani also
owed 17,000 pounds.

247
00:13:51,960 --> 00:13:55,320
The purpose of that meeting
was for Bhayani to come

248
00:13:55,320 --> 00:13:58,960
to arrangements
to pay them both back.

249
00:13:58,960 --> 00:14:01,960
We think by that stage,
Carole had become

250
00:14:01,960 --> 00:14:03,960
more suspicious about
Bhayani's motives

251
00:14:03,960 --> 00:14:08,960
and was...was now asking to get
her money back from him.

252
00:14:10,000 --> 00:14:15,960
(Narrator) After the 16th of April,
2012, Carole Waugh disappeared.

253
00:14:15,960 --> 00:14:18,960
Three months later,
police were called

254
00:14:18,960 --> 00:14:22,960
to Carole's flat to deal with
a case of suspected rental fraud.

255
00:14:22,960 --> 00:14:24,960
(Officer)
I got a call from officers

256
00:14:24,960 --> 00:14:26,960
in Central London that
complaints had been made

257
00:14:26,960 --> 00:14:29,960
by two potential tenants.

258
00:14:29,960 --> 00:14:31,960
Both these tenants
had paid a deposit.

259
00:14:31,960 --> 00:14:37,960
One of them had paid 3,900 pounds,
the other had paid 7 grand.

260
00:14:39,960 --> 00:14:42,960
They only found out
that they'd been scammed

261
00:14:42,960 --> 00:14:45,480
when they both showed up
to move into the same apartment.

262
00:14:47,480 --> 00:14:50,960
Of course, they then
called the police.

263
00:14:50,960 --> 00:14:53,960
I went along to Charing Cross
Station to see what was going on.

264
00:14:53,960 --> 00:14:57,960
I was given a briefing,
realised that this wasn't right,

265
00:14:57,960 --> 00:14:59,960
this needed a real investigation.

266
00:15:04,960 --> 00:15:08,000
(ominous music)

267
00:15:08,000 --> 00:15:10,160
(Narrator) The would-be
tenants had told police

268
00:15:10,160 --> 00:15:14,960
they paid deposits to a man who
claimed to be Carole's brother.

269
00:15:14,960 --> 00:15:16,160
(Officer) Carole was really great

270
00:15:16,160 --> 00:15:17,960
at keeping in touch
with friends and family,

271
00:15:17,960 --> 00:15:19,640
but no one had heard from her.

272
00:15:19,640 --> 00:15:21,960
No one had heard from her
for months.

273
00:15:21,960 --> 00:15:24,480
I mean, Carole's brother was
even more concerned

274
00:15:24,480 --> 00:15:26,960
when he realised that somebody
had been impersonating him

275
00:15:26,960 --> 00:15:28,960
to rent out Carole's flat.

276
00:15:30,960 --> 00:15:34,960
At that point,
that was a huge red flag.

277
00:15:34,960 --> 00:15:36,640
(Narrator) The disappearance
of Carole Waugh

278
00:15:36,640 --> 00:15:39,960
shocked her family and friends,
who she had always

279
00:15:39,960 --> 00:15:42,960
maintained regular contact with.

280
00:15:42,960 --> 00:15:43,960
(Officer)
Carole's brother told us

281
00:15:43,960 --> 00:15:46,960
that Carole always maintained
contact with her mum

282
00:15:46,960 --> 00:15:48,960
and with the rest of the family.

283
00:15:48,960 --> 00:15:51,320
And she had a 50th
birthday coming up,

284
00:15:51,320 --> 00:15:52,960
and there had been
previous plans for her

285
00:15:52,960 --> 00:15:55,960
to...to go up north to see
the family as a celebration,

286
00:15:55,960 --> 00:15:57,960
but no one...

287
00:15:57,960 --> 00:15:59,960
I mean, no one had heard from her.

288
00:16:00,960 --> 00:16:03,800
(Narrator) After speaking
with Carole's brother,

289
00:16:03,800 --> 00:16:07,960
police began an investigation
into Carole's disappearance.

290
00:16:07,960 --> 00:16:10,640
We started looking
into Carole phone data,

291
00:16:10,640 --> 00:16:12,960
and there were
inconsistencies in how

292
00:16:12,960 --> 00:16:15,800
she would usually use her phone.

293
00:16:15,800 --> 00:16:18,960
There was just texts
that just didn't seem right.

294
00:16:18,960 --> 00:16:21,960
No one had seen her for months.

295
00:16:21,960 --> 00:16:23,960
There was definitely
something wrong.

296
00:16:23,960 --> 00:16:25,960
I suspected that she was dead.

297
00:16:29,960 --> 00:16:30,960
(dramatic music)

298
00:16:30,960 --> 00:16:33,640
If I were looking
at bank statements

299
00:16:33,640 --> 00:16:37,960
and there was a concern that
the person had been killed

300
00:16:37,960 --> 00:16:40,960
as opposed to gone missing,
then I would be looking

301
00:16:40,960 --> 00:16:42,960
at the nature of the expenditure.

302
00:16:42,960 --> 00:16:44,960
Is this of expenditure that

303
00:16:44,960 --> 00:16:47,640
that person typically
would be incurring

304
00:16:47,640 --> 00:16:50,640
or that we might think they
might be incurring in order

305
00:16:50,640 --> 00:16:53,960
to stay disappeared, stay missing?

306
00:16:53,960 --> 00:16:55,960
Or is this sort of
expenditure that's

307
00:16:55,960 --> 00:16:57,960
not typical for them,
and therefore,

308
00:16:57,960 --> 00:17:00,800
suggest there's more behind it?

309
00:17:00,800 --> 00:17:02,160
(Narrator) As well as
looking into her phone

310
00:17:02,160 --> 00:17:05,960
and financial records,
police began investigating

311
00:17:05,960 --> 00:17:08,000
Carole's last known movements.

312
00:17:08,000 --> 00:17:10,960
We pay particular attention
to the people

313
00:17:10,960 --> 00:17:15,960
that she'd been in contact with
just before her disappearance.

314
00:17:15,960 --> 00:17:17,960
(Narrator) Police identified
Rakesh Bhayani

315
00:17:17,960 --> 00:17:21,960
as a person who Carole had
regularly interacted with

316
00:17:21,960 --> 00:17:23,960
in the months before she vanished.

317
00:17:23,960 --> 00:17:26,960
They brought him in
for questioning.

318
00:17:26,960 --> 00:17:31,640
In any investigation,
the first interview is crucial.

319
00:17:31,640 --> 00:17:32,960
We just wanted
to get Bhayani to talk.

320
00:17:32,960 --> 00:17:35,960
I sent two officers to go
and interview Bhayani.

321
00:17:35,960 --> 00:17:39,800
I told them, just speak
with him, let him talk.

322
00:17:39,800 --> 00:17:42,960
Let him commit to his version
of events, and then from there,

323
00:17:42,960 --> 00:17:45,960
we will look into
some inconsistencies.

324
00:17:45,960 --> 00:17:47,960
(Martin) So he's brought in
for questioning,

325
00:17:47,960 --> 00:17:50,960
and initially,
like all good con men,

326
00:17:50,960 --> 00:17:53,320
claims to be completely clueless.

327
00:17:53,320 --> 00:17:56,320
"I have no idea what
they're talking about."

328
00:17:56,320 --> 00:17:59,960
But there's...there's obviously
evidence there that...

329
00:17:59,960 --> 00:18:03,800
that points to...
to...to his involvement.

330
00:18:03,800 --> 00:18:06,960
(Officer) He then started
to spin this amazing tale,

331
00:18:06,960 --> 00:18:10,800
how him and Carole,
they'd planned this together.

332
00:18:10,800 --> 00:18:13,960
They planned her
disappearance to South Africa,

333
00:18:13,960 --> 00:18:15,960
and she was going
to cut off all contact

334
00:18:15,960 --> 00:18:18,960
with her friends and family.

335
00:18:18,960 --> 00:18:22,960
So he said the plan was
was that she was to disappear.

336
00:18:22,960 --> 00:18:25,960
He was to sell her assets,
generate as much income

337
00:18:25,960 --> 00:18:28,960
from her assets
and properties as possible,

338
00:18:28,960 --> 00:18:32,960
and then 18 months later,
she would just re-emerge,

339
00:18:32,960 --> 00:18:34,640
saying, I've been robbed.

340
00:18:38,160 --> 00:18:42,960
One thing that law enforcement
wants to look into immediately,

341
00:18:42,960 --> 00:18:46,640
if they see somebody
who has gone missing,

342
00:18:46,640 --> 00:18:48,000
but is very financially well off,

343
00:18:48,000 --> 00:18:50,960
of course, is,
are they really missing?

344
00:18:50,960 --> 00:18:53,960
Did they just run away
with a circus, so to speak,

345
00:18:53,960 --> 00:18:55,960
or is there foul play?

346
00:18:55,960 --> 00:18:59,960
He then comes up with this
rather extravagant story,

347
00:18:59,960 --> 00:19:01,960
and it was all part
of an insurance scam,

348
00:19:01,960 --> 00:19:04,960
and I would claim the money
and then we'd split it.

349
00:19:04,960 --> 00:19:08,960
And...you know, he was
a plausible character, and...

350
00:19:08,960 --> 00:19:11,640
and initially,
some of the detectives

351
00:19:11,640 --> 00:19:13,960
seem to be taken in by his...

352
00:19:13,960 --> 00:19:16,960
his cover story.

353
00:19:16,960 --> 00:19:18,960
The two officers came in
to debrief me.

354
00:19:18,960 --> 00:19:21,960
They told me, "Boss, boss,
you've got it all wrong.

355
00:19:21,960 --> 00:19:23,960
She was actually involved."

356
00:19:23,960 --> 00:19:27,960
I said, "Guys, I hope
you haven't lent him any money,

357
00:19:27,960 --> 00:19:29,960
because you guys
have been conned."

358
00:19:34,960 --> 00:19:36,640
(eerie music)

359
00:19:36,640 --> 00:19:37,960
(Narrator)
After questioning Bhayani

360
00:19:37,960 --> 00:19:39,960
about Carole Waugh's disappearance,

361
00:19:39,960 --> 00:19:43,960
police decided to dig
deeper into his story.

362
00:19:43,960 --> 00:19:45,960
When we interviewed Bhayani
for a second time,

363
00:19:45,960 --> 00:19:48,960
we were able to probe his story.

364
00:19:48,960 --> 00:19:49,960
Where had she travelled from?

365
00:19:49,960 --> 00:19:50,960
Where had she gone?

366
00:19:50,960 --> 00:19:52,960
Had she gone by airline?

367
00:19:52,960 --> 00:19:54,960
Had she travelled
under her own name?

368
00:19:54,960 --> 00:19:55,960
Did she pay for things?

369
00:19:55,960 --> 00:19:57,960
Did she pay for this herself?

370
00:19:57,960 --> 00:19:59,640
Did you take her to the airport?

371
00:19:59,640 --> 00:20:02,320
We knew that if he answered
any of these questions,

372
00:20:02,320 --> 00:20:04,640
we would find that
digital footprint.

373
00:20:04,640 --> 00:20:06,960
We would find out which
airline, where she'd been.

374
00:20:06,960 --> 00:20:09,000
There would be evidence of that.

375
00:20:09,000 --> 00:20:12,960
His story just started to fall
apart, and at that point,

376
00:20:12,960 --> 00:20:15,960
we knew that this whole
thing was nonsense.

377
00:20:18,320 --> 00:20:20,960
(Narrator)
Now more suspicious of Bhayani,

378
00:20:20,960 --> 00:20:22,960
police continued
their investigation

379
00:20:22,960 --> 00:20:25,800
into their suspect's past.

380
00:20:25,800 --> 00:20:28,960
(Martin) Bhayani was
a very accomplished con man.

381
00:20:28,960 --> 00:20:31,960
He had fake identities.

382
00:20:31,960 --> 00:20:34,960
When he met Carole, he tried
to pass himself off as a...

383
00:20:34,960 --> 00:20:38,960
as a heart surgeon
at a top London hospital.

384
00:20:38,960 --> 00:20:42,320
I'm not sure anybody really knew
who Bhayani actually was

385
00:20:42,320 --> 00:20:44,960
because he had so many
different sort of facets

386
00:20:44,960 --> 00:20:46,960
to his character,
different identities.

387
00:20:48,960 --> 00:20:50,960
(Narrator) Using phone records,

388
00:20:50,960 --> 00:20:53,160
police were able
to place Carole, Bhayani,

389
00:20:53,160 --> 00:20:57,960
and Nicholas Kutner together on
the evening Carole disappeared.

390
00:20:57,960 --> 00:21:03,960
Bhayani and Carole and Bhayani's
accomplice were in the area

391
00:21:03,960 --> 00:21:07,480
of her flat on the 16th of April.

392
00:21:09,960 --> 00:21:10,960
(Officer) The 16th of April was

393
00:21:10,960 --> 00:21:14,160
the first time
that Kutner, Bhayani,

394
00:21:14,160 --> 00:21:16,320
and Carole all came together.

395
00:21:16,320 --> 00:21:18,480
It was somewhere
in the Harrow area,

396
00:21:18,480 --> 00:21:21,800
which isn't too far away
from Carole's flat.

397
00:21:21,800 --> 00:21:23,960
We know from the phone records
that they travelled by car

398
00:21:23,960 --> 00:21:27,480
together back to Carole's flat.

399
00:21:27,480 --> 00:21:31,960
We suspect that something
happened that night in the flat

400
00:21:31,960 --> 00:21:34,960
because Carole was
never seen again.

401
00:21:39,960 --> 00:21:42,960
(ominous music)

402
00:21:42,960 --> 00:21:44,960
(Officer) I mean,
it became obvious that

403
00:21:44,960 --> 00:21:47,960
everything had changed
after the 16th of April.

404
00:21:47,960 --> 00:21:49,960
I mean, her phone records
showed that the phone

405
00:21:49,960 --> 00:21:51,960
was being used at
different times to normal,

406
00:21:51,960 --> 00:21:54,640
being turned on at different
times in the morning,

407
00:21:54,640 --> 00:21:56,640
going off at different
times at night.

408
00:21:56,640 --> 00:21:59,960
The messages,
it just didn't add up.

409
00:21:59,960 --> 00:22:04,160
There was something definitely,
definitely wrong.

410
00:22:04,160 --> 00:22:07,000
(Narrator) Police began focusing
on Carole's bank account

411
00:22:07,000 --> 00:22:11,960
and spending activities
after the 16th of April.

412
00:22:11,960 --> 00:22:13,960
(Fiona) As a forensic accountant,

413
00:22:13,960 --> 00:22:18,960
we would be looking at things
like bank loan applications,

414
00:22:18,960 --> 00:22:21,960
and the transfers,
and trying to look and see

415
00:22:21,960 --> 00:22:26,960
whether actually the people making
those applications can make them.

416
00:22:26,960 --> 00:22:29,960
So in this case, it would be
straightforward and that any money

417
00:22:29,960 --> 00:22:32,960
that was spent after...once you
knew the date of Carole's death,

418
00:22:32,960 --> 00:22:34,960
once that had been proven,
any money spent

419
00:22:34,960 --> 00:22:37,960
would be fraudulent because
her monies and her assets

420
00:22:37,960 --> 00:22:40,960
should have been frozen
at that stage.

421
00:22:40,960 --> 00:22:45,960
So in the weeks after
Carole's last known sighting,

422
00:22:45,960 --> 00:22:49,960
thousands of pounds are
withdrawn from her bank accounts,

423
00:22:49,960 --> 00:22:53,320
from ATMs across London.

424
00:22:53,320 --> 00:22:57,640
Some of these transactions
are caught on CCTV,

425
00:22:57,640 --> 00:23:00,800
but that's very suspicious
activity because as we know,

426
00:23:00,800 --> 00:23:03,960
Carole was...was very frugal,
and that sort of activity,

427
00:23:03,960 --> 00:23:06,320
withdrawing large amounts
of money, just was...

428
00:23:06,320 --> 00:23:11,960
was not something that...that
she was...she would usually do.

429
00:23:11,960 --> 00:23:16,960
Carole's finances, this all seemed
to change after the 16th of April.

430
00:23:16,960 --> 00:23:18,960
Money was drained
from her accounts,

431
00:23:18,960 --> 00:23:21,960
taken out on ATMs
on her cash card.

432
00:23:21,960 --> 00:23:24,960
There was even loans being
taken out in her name,

433
00:23:24,960 --> 00:23:27,640
when Carole was really careful
with her money.

434
00:23:27,640 --> 00:23:30,480
This was really,
really out of character.

435
00:23:30,480 --> 00:23:34,960
Even an application was made
to refinance her flat.

436
00:23:34,960 --> 00:23:35,960
This just didn't add up.

437
00:23:37,960 --> 00:23:39,960
(Narrator) Bhayani maintained
that he knew nothing

438
00:23:39,960 --> 00:23:43,960
about Carole's whereabouts,
and during their investigation,

439
00:23:43,960 --> 00:23:49,960
police discovered several
potential sightings of Carole.

440
00:23:49,960 --> 00:23:53,640
(Martin) There are reports
of women looking like Carole

441
00:23:53,640 --> 00:23:57,640
purchasing expensive items,
which is not something that...

442
00:23:57,640 --> 00:23:58,960
that Carole would
normally have done.

443
00:23:58,960 --> 00:24:00,960
She was a frugal woman,
not...not somebody

444
00:24:00,960 --> 00:24:02,960
who would spend large
amounts of money

445
00:24:02,960 --> 00:24:05,960
on...on luxury goods like handbags.

446
00:24:05,960 --> 00:24:08,960
Very, very suspicious activity.

447
00:24:08,960 --> 00:24:09,960
(Officer)
So we saw from the bank records

448
00:24:09,960 --> 00:24:11,960
that...that Carole's card
had been used

449
00:24:11,960 --> 00:24:14,960
in many luxury stores in London.

450
00:24:14,960 --> 00:24:17,000
You know, designer
handbags and the like.

451
00:24:17,000 --> 00:24:22,960
So we approached the stores,
and at that time, CCTV was taped.

452
00:24:22,960 --> 00:24:25,960
It was generally overwritten
every 24 hours.

453
00:24:25,960 --> 00:24:28,000
We had statements from staff who...

454
00:24:28,000 --> 00:24:30,960
who said that, yes,
a female of Carole's description

455
00:24:30,960 --> 00:24:32,960
had made these purchases.

456
00:24:32,960 --> 00:24:37,960
But we still didn't have
a definitive sighting of Carol

457
00:24:37,960 --> 00:24:40,320
at that time.

458
00:24:40,320 --> 00:24:43,160
(Narrator) Rakesh Bhayani
and Nicholas Kutner's behaviour

459
00:24:43,160 --> 00:24:48,000
after April 16 and 17th
also raised suspicions.

460
00:24:48,000 --> 00:24:50,800
(Martin) On the day after
Carole's disappearance,

461
00:24:50,800 --> 00:24:53,960
we know that Bhayani went
into a Bond Street jewellers

462
00:24:53,960 --> 00:24:56,960
where he attempted
to buy a diamond ring

463
00:24:56,960 --> 00:25:00,960
for 40,000 pounds in cash.

464
00:25:00,960 --> 00:25:02,960
(Officer)
The day after the 16th of April,

465
00:25:02,960 --> 00:25:06,800
we know that Kutner went
to Hatton Garden.

466
00:25:06,800 --> 00:25:08,960
A lot of Carole's jewellery
had gone missing,

467
00:25:08,960 --> 00:25:11,960
and our investigation then
showed us that that jewellery

468
00:25:11,960 --> 00:25:13,960
had been sold at Hatton Garden.

469
00:25:13,960 --> 00:25:15,960
(Narrator)
Faced with this evidence,

470
00:25:15,960 --> 00:25:18,960
police decided to charge
Bhayani and Kutner

471
00:25:18,960 --> 00:25:22,960
with fraud offences in relation
to Carole's disappearance.

472
00:25:22,960 --> 00:25:24,960
(Officer)
Bhayani was arrested under charges

473
00:25:24,960 --> 00:25:27,960
of abduction and fraud.

474
00:25:27,960 --> 00:25:30,960
He was, at this time,
insisting that Carole was alive.

475
00:25:30,960 --> 00:25:33,960
Kutner, he was also arrested
on return from holiday.

476
00:25:33,960 --> 00:25:35,960
We sent two officers
to the airport,

477
00:25:35,960 --> 00:25:37,960
and that's where
they arrested him.

478
00:25:37,960 --> 00:25:41,320
He was interviewed,
but during interview,

479
00:25:41,320 --> 00:25:44,960
he didn't say a single word.

480
00:25:49,960 --> 00:25:50,960
(solemn music)

481
00:25:50,960 --> 00:25:54,960
(Narrator)
On August 2, 2012, police searched

482
00:25:54,960 --> 00:25:59,960
a lock-up garage in South London,
recently rented by Bhayani.

483
00:25:59,960 --> 00:26:04,960
In early August, three months
after the last sighting of Carole,

484
00:26:04,960 --> 00:26:08,960
her body is found
in a Volkswagen Golf,

485
00:26:08,960 --> 00:26:14,960
which is in a lock-up
in New Malden in South London.

486
00:26:14,960 --> 00:26:18,960
Sadly, the body was badly
decomposed by that stage,

487
00:26:18,960 --> 00:26:20,960
and that meant
it was very difficult

488
00:26:20,960 --> 00:26:25,960
for forensic pathologists
to establish a cause of death.

489
00:26:27,960 --> 00:26:29,640
(Officer) The problem is,

490
00:26:29,640 --> 00:26:31,960
is that when we found
Carole's body,

491
00:26:31,960 --> 00:26:34,960
she was incredibly decomposed.

492
00:26:34,960 --> 00:26:35,960
Initial investigation, we...

493
00:26:35,960 --> 00:26:37,960
we struggled to find
a cause of death,

494
00:26:37,960 --> 00:26:42,960
but we did find a single
stab wound to the neck.

495
00:26:43,960 --> 00:26:46,960
There could have been other
wounds to Carole's body,

496
00:26:46,960 --> 00:26:51,000
but on initial investigation,
we just couldn't determine that.

497
00:26:51,000 --> 00:26:53,960
You've got to remember that Carole
had been dead for four months

498
00:26:53,960 --> 00:26:54,960
by the time we found her.

499
00:26:56,960 --> 00:26:58,960
(Narrator) Once Carole's
body was discovered,

500
00:26:58,960 --> 00:27:01,960
Bhayani changed his story.

501
00:27:01,960 --> 00:27:05,960
Bhayani now tells us that
everything he's told us before

502
00:27:05,960 --> 00:27:08,960
were complete lies,
and that what actually happened

503
00:27:08,960 --> 00:27:11,960
is that he and Kutner
entered Carole's flat

504
00:27:11,960 --> 00:27:13,960
and found her already dead.

505
00:27:13,960 --> 00:27:16,160
They just didn't know
what to do, so they decided

506
00:27:16,160 --> 00:27:19,960
to get rid of the body and
continue committing their fraud.

507
00:27:19,960 --> 00:27:23,320
It was all just complete rubbish.

508
00:27:23,320 --> 00:27:27,960
Even after Carole's death,
Bhayani didn't stop.

509
00:27:27,960 --> 00:27:31,960
He actually was trying to rent out
her flat, used her jewellery,

510
00:27:31,960 --> 00:27:33,960
brought it to pawnbrokers.

511
00:27:33,960 --> 00:27:36,960
He was trying to get
as much money as he could.

512
00:27:36,960 --> 00:27:38,960
It almost seemed like he wasn't
really even trying to hide

513
00:27:38,960 --> 00:27:40,960
what he had done that much.

514
00:27:40,960 --> 00:27:42,960
(Officer) I mean,
I started to suspect

515
00:27:42,960 --> 00:27:45,960
that Bhayani had
introduced Kutner as a...

516
00:27:45,960 --> 00:27:48,960
a way to expand on
the fraud against Carole.

517
00:27:48,960 --> 00:27:52,960
And I suspect that...
that Carole smelled a rat.

518
00:27:52,960 --> 00:27:55,960
Just because of the way
that Kutner presented himself,

519
00:27:55,960 --> 00:27:59,960
I believe that
she probably suspected

520
00:27:59,960 --> 00:28:00,960
that they were conning her.

521
00:28:00,960 --> 00:28:01,960
And she confronted them.

522
00:28:01,960 --> 00:28:04,160
She maybe even threatened
to go to the police.

523
00:28:04,160 --> 00:28:06,960
But I believe that's
why she was killed.

524
00:28:06,960 --> 00:28:09,960
All we had to do now was prove it.

525
00:28:13,960 --> 00:28:17,960
(Narrator) In August 2012,
Rakesh Bhayani and Nicholas Kutner

526
00:28:17,960 --> 00:28:20,960
are charged with
the murder of Carol Waugh.

527
00:28:20,960 --> 00:28:24,160
Police began examining
their behaviour in the months

528
00:28:24,160 --> 00:28:25,960
after Carole's death.

529
00:28:25,960 --> 00:28:28,960
After Carol disappeared,
they began stripping

530
00:28:28,960 --> 00:28:31,960
her assets with cash withdrawals
from cash machines,

531
00:28:31,960 --> 00:28:33,960
selling her assets.

532
00:28:33,960 --> 00:28:35,960
They eventually applied
for loans in Carole's name.

533
00:28:35,960 --> 00:28:38,960
They even tried to remortgage
the property,

534
00:28:38,960 --> 00:28:41,960
and eventually, they must have
settled on renting out the flat.

535
00:28:41,960 --> 00:28:44,960
It was at that point that
it came to our attention.

536
00:28:46,960 --> 00:28:50,960
(Martin) After Carole's death,
Bhayani and his accomplice

537
00:28:50,960 --> 00:28:52,320
go straight to the casino.

538
00:28:52,320 --> 00:28:54,960
Spend thousands at
the roulette table.

539
00:28:54,960 --> 00:28:57,960
They check into a five-star hotel.

540
00:28:57,960 --> 00:29:01,960
They go to ATM machines
and withdraw cash.

541
00:29:01,960 --> 00:29:04,960
They start selling her jewellery.

542
00:29:04,960 --> 00:29:07,960
They basically go on
a lavish spending spree.

543
00:29:07,960 --> 00:29:10,960
They're certainly behaving
like people who've

544
00:29:10,960 --> 00:29:14,320
just come into a big windfall.

545
00:29:14,320 --> 00:29:16,000
(Officer)
They were living in posh hotels,

546
00:29:16,000 --> 00:29:17,960
living the high life.

547
00:29:17,960 --> 00:29:19,960
They were spending money like
it was going out of fashion.

548
00:29:19,960 --> 00:29:23,960
Staff remembered how
obnoxious Kutner was,

549
00:29:23,960 --> 00:29:25,960
remembered them
screaming at staff.

550
00:29:25,960 --> 00:29:29,960
Bhayani was also seen to lose
over 20 grand in a casino

551
00:29:29,960 --> 00:29:31,960
in one single night.

552
00:29:31,960 --> 00:29:35,800
(Martin) Bhayani is then
hell-bent on getting

553
00:29:35,800 --> 00:29:37,960
everything he can
out of her estate.

554
00:29:37,960 --> 00:29:41,960
So first of all, he sells anything
that he can get his hands on,

555
00:29:41,960 --> 00:29:43,960
but it goes further than that.

556
00:29:43,960 --> 00:29:46,960
He realises that the biggest
asset she has is this...

557
00:29:46,960 --> 00:29:50,000
this flat in Marylebone, which
is worth hundreds of thousands

558
00:29:50,000 --> 00:29:51,960
of pounds and is mortgage-free.

559
00:29:51,960 --> 00:29:54,960
So realising that, he applies

560
00:29:54,960 --> 00:29:59,960
for a 200,000-pound bridging loan,

561
00:29:59,960 --> 00:30:01,320
which he gets.

562
00:30:01,320 --> 00:30:04,960
So he's now got 200,000 pounds
plus a load of stuff

563
00:30:04,960 --> 00:30:07,000
that he's pinched from her flat.

564
00:30:14,800 --> 00:30:18,960
(Narrator) In October 2013,
Rakesh Bhayani and Nicholas Kutner

565
00:30:18,960 --> 00:30:21,960
were brought to trial
for the murder of Carole Waugh

566
00:30:21,960 --> 00:30:24,960
and fraud against her estate.

567
00:30:25,960 --> 00:30:28,960
(Martin) The trial took place
at the Old Bailey,

568
00:30:28,960 --> 00:30:34,960
and Bhayani and his accomplice,
who had admitted fraud charges

569
00:30:34,960 --> 00:30:36,960
but both denied murder,

570
00:30:36,960 --> 00:30:39,960
went on trial before
Mr Justice Wilkie.

571
00:30:39,960 --> 00:30:42,960
It came out at trial
when we discovered

572
00:30:42,960 --> 00:30:45,960
that he'd recruited
a number of women

573
00:30:45,960 --> 00:30:50,800
to pose as Carole
to carry out his scams.

574
00:30:50,800 --> 00:30:54,320
Bhayani later admitted
to paying several women

575
00:30:54,320 --> 00:30:57,960
to impersonate Carole when making
these types of purchases.

576
00:30:57,960 --> 00:31:01,960
These were the women that had
been identified in the CCTV

577
00:31:01,960 --> 00:31:04,960
and within the luxury stores.

578
00:31:04,960 --> 00:31:06,960
Some of these women,
also now involved in the fraud,

579
00:31:06,960 --> 00:31:09,000
were later prosecuted
for those offences.

580
00:31:09,000 --> 00:31:10,960
But I think that
really just does go

581
00:31:10,960 --> 00:31:13,960
to show sort of level
of sophistication

582
00:31:13,960 --> 00:31:18,960
he was willing to embark on
to get hold of Carole's money.

583
00:31:21,480 --> 00:31:24,960
It seems like Bhayani had
enough of forethought to know

584
00:31:24,960 --> 00:31:29,960
if he walked into a store and said
he was buying women's handbags,

585
00:31:29,960 --> 00:31:32,960
which are very expensive,
that may raise some red flags,

586
00:31:32,960 --> 00:31:36,480
or if the authorities ever
go to that store and said,

587
00:31:36,480 --> 00:31:39,960
you know, "Did Carol actually
use her credit card here?"

588
00:31:39,960 --> 00:31:44,960
They could pretty well remember
or show on CCTV that it was a man.

589
00:31:44,960 --> 00:31:48,960
So he was trying to cover this up
and cover his tracks by having

590
00:31:48,960 --> 00:31:52,320
people enlisted to serve
as Carole impersonators to go

591
00:31:52,320 --> 00:31:54,960
purchase these expensive goods.

592
00:31:56,800 --> 00:31:58,960
(Narrator) One of the most
damning pieces of evidence

593
00:31:58,960 --> 00:32:02,960
was the location where
Carole's body was found.

594
00:32:02,960 --> 00:32:04,960
(Officer) The thing that
absolutely nailed this

595
00:32:04,960 --> 00:32:08,960
was the use of the car
and the garage in New Malden

596
00:32:08,960 --> 00:32:10,640
where the body was found.

597
00:32:10,640 --> 00:32:15,960
Both the car and the garage were
both linked to Rakesh Bhayani.

598
00:32:15,960 --> 00:32:20,960
Police find this Volkswagen Golf
in a lock-up in New Malden,

599
00:32:20,960 --> 00:32:25,960
and they trace the vehicle
to a man who says

600
00:32:25,960 --> 00:32:29,960
he had sold two cars
on the same day

601
00:32:29,960 --> 00:32:32,960
to a man called Rakesh Bhayani.

602
00:32:32,960 --> 00:32:37,960
Basically, Bhayani had bought
a car from this guy,

603
00:32:37,960 --> 00:32:39,960
but on driving it away,
had been stopped

604
00:32:39,960 --> 00:32:44,960
by the police on suspicion
of driving without insurance

605
00:32:44,960 --> 00:32:46,960
and the car was confiscated.

606
00:32:46,960 --> 00:32:49,960
So he'd then gone back
to the same chap

607
00:32:49,960 --> 00:32:53,960
and had bought a second car,
which was the Volkswagen Golf,

608
00:32:53,960 --> 00:32:57,640
and had used that
to store the body.

609
00:32:59,960 --> 00:33:04,960
Initially, he parks that car
with Carole's body in the boot

610
00:33:04,960 --> 00:33:06,960
behind John Lewis
in Oxford Street,

611
00:33:06,960 --> 00:33:11,960
which is not too far
from Carole's flat.

612
00:33:11,960 --> 00:33:14,960
He goes on his lavish
spending spree,

613
00:33:14,960 --> 00:33:17,960
but then clearly,
in May, starts to worry

614
00:33:17,960 --> 00:33:20,960
that the body might be discovered.

615
00:33:20,960 --> 00:33:24,960
So he and his accomplice
then go and collect the car,

616
00:33:24,960 --> 00:33:27,960
and they drive to the Cotswolds.

617
00:33:27,960 --> 00:33:32,960
And we think the idea was
perhaps to find a secluded area

618
00:33:32,960 --> 00:33:34,960
to...to dump the body.

619
00:33:34,960 --> 00:33:37,480
(Officer) We know that these
two guys went to the Cotswolds.

620
00:33:37,480 --> 00:33:41,960
We know it through phone
records, ANPR records.

621
00:33:41,960 --> 00:33:43,960
This is two guys who
never leave London.

622
00:33:43,960 --> 00:33:45,960
We believe that this
was a first attempt

623
00:33:45,960 --> 00:33:49,960
to dispose of Carole's body.

624
00:33:49,960 --> 00:33:52,480
But actually, it seems that
when they get to the Cotswolds,

625
00:33:52,480 --> 00:33:54,960
they discover that it's
actually quite a popular place

626
00:33:54,960 --> 00:33:56,960
and there's lots of people around.

627
00:33:56,960 --> 00:33:58,960
And so they seem
to abandon that idea

628
00:33:58,960 --> 00:34:01,960
and then drive back to London,

629
00:34:01,960 --> 00:34:05,960
eventually hiring
the lock-up in New Malden

630
00:34:05,960 --> 00:34:07,960
where they store the car

631
00:34:07,960 --> 00:34:11,960
until Carole's body is
discovered in August.

632
00:34:13,960 --> 00:34:17,640
(Narrator) There was also damning
evidence from an innocent associate

633
00:34:17,640 --> 00:34:21,800
of Bhayani who testified that
Bhayani had paid him to book

634
00:34:21,800 --> 00:34:26,960
the lock-up garage in New Malden
where Carole's body was discovered.

635
00:34:26,960 --> 00:34:28,640
(Officer) So Bhayani tells him that

636
00:34:28,640 --> 00:34:31,960
he needs to rent a garage
to store a classic car,

637
00:34:31,960 --> 00:34:33,000
which, of course, he didn't own.

638
00:34:33,000 --> 00:34:35,320
This evidence, at the very least,

639
00:34:35,320 --> 00:34:37,800
proves that they were
concealing the body.

640
00:34:37,800 --> 00:34:41,640
This alone made them guilty of
perverting the course of justice.

641
00:34:41,640 --> 00:34:44,960
(eerie music)

642
00:34:44,960 --> 00:34:46,320
(Martin) I think for me,
one of the most

643
00:34:46,320 --> 00:34:49,960
shocking aspects of this
case was the behaviour

644
00:34:49,960 --> 00:34:51,960
of Bhayani after the murder.

645
00:34:51,960 --> 00:34:55,960
He didn't seem to be traumatised
by what he'd done.

646
00:34:55,960 --> 00:34:56,960
You know, he wasn't
a seasoned killer.

647
00:34:56,960 --> 00:34:58,960
He hasn't...he hasn't
killed before,

648
00:34:58,960 --> 00:35:01,960
but he didn't seem remotely
bothered by the fact

649
00:35:01,960 --> 00:35:03,160
that he took somebody's life.

650
00:35:03,160 --> 00:35:06,960
He...he just carried on spending.

651
00:35:06,960 --> 00:35:09,960
(Fiona) In Carole's case,
it was extreme.

652
00:35:09,960 --> 00:35:13,160
So the fraudster tried
various methods

653
00:35:13,160 --> 00:35:14,960
in order to get at the money.

654
00:35:14,960 --> 00:35:18,960
So he tried to refinance the flat,
he tried to let the flat out,

655
00:35:18,960 --> 00:35:20,960
he emptied her bank account.

656
00:35:20,960 --> 00:35:22,960
So there was...he was
very desperate.

657
00:35:22,960 --> 00:35:25,960
He was trying to get as much out
as quickly as he could,

658
00:35:25,960 --> 00:35:29,960
presumably, before it was actually
discovered that Carole was dead

659
00:35:29,960 --> 00:35:34,960
and her assets would
then be frozen.

660
00:35:34,960 --> 00:35:37,160
So there were two distinct
aspects to this fraud.

661
00:35:37,160 --> 00:35:41,960
There was the prior-to-death
fraud, which we know about.

662
00:35:41,960 --> 00:35:45,320
But then once she was killed,
they just continued.

663
00:35:45,320 --> 00:35:48,960
The body was just an inconvenience
that they needed to get rid of

664
00:35:48,960 --> 00:35:51,800
so they could continue
defrauding Carole.

665
00:35:51,800 --> 00:35:53,960
And even after she was
dead, in their eyes,

666
00:35:53,960 --> 00:35:56,960
she was ripe for exploitation.

667
00:35:56,960 --> 00:35:58,160
They had no remorse.

668
00:35:59,640 --> 00:36:02,800
(Martin) We know that
before Carole's death,

669
00:36:02,800 --> 00:36:05,960
Bhayani was only really interested
in one thing, and that was...

670
00:36:05,960 --> 00:36:08,960
was getting money from her.

671
00:36:08,960 --> 00:36:14,960
But then he really, really
cynically, after the murder,

672
00:36:14,960 --> 00:36:16,800
he carries on with that.

673
00:36:16,800 --> 00:36:21,320
The only thing he's interested in
is getting cash.

674
00:36:21,320 --> 00:36:25,960
And it really talks to
what he thought of Carole.

675
00:36:25,960 --> 00:36:28,960
She was only ever
a cash cow to him.

676
00:36:28,960 --> 00:36:31,960
He didn't seem concerned
about what he'd done.

677
00:36:31,960 --> 00:36:36,960
He didn't seem to be
remorseful for what he'd done.

678
00:36:36,960 --> 00:36:40,960
While he is absolutely
unempathetic towards his victim,

679
00:36:40,960 --> 00:36:44,960
I would say that for Bhayani to
just walk away when he has access

680
00:36:44,960 --> 00:36:47,000
to such a large sum
of money, in his mind,

681
00:36:47,000 --> 00:36:48,960
that would be almost wasteful.

682
00:36:48,960 --> 00:36:50,960
He already committed murder.

683
00:36:50,960 --> 00:36:53,160
He needed the money,
so he thought,

684
00:36:53,160 --> 00:36:55,960
I'm just going to take
full advantage.

685
00:36:55,960 --> 00:36:59,960
That is despite the fact that,
increasingly, his chances

686
00:36:59,960 --> 00:37:02,800
of being caught go up every single
time he accesses her money,

687
00:37:02,800 --> 00:37:06,960
but the temptation to take
that money was just too great,

688
00:37:06,960 --> 00:37:09,960
so he felt, in his mind,
like he had to do it.

689
00:37:09,960 --> 00:37:12,960
(Martin) He didn't even seem
that worried about being caught.

690
00:37:12,960 --> 00:37:16,960
You know, he treated her body
with no respect at all,

691
00:37:16,960 --> 00:37:19,960
and of course,
just goes on this kind of

692
00:37:19,960 --> 00:37:22,480
roller coaster spending spree.

693
00:37:22,480 --> 00:37:24,960
And he would have carried on
until every penny

694
00:37:24,960 --> 00:37:27,960
that he could have got
out of her had gone.

695
00:37:27,960 --> 00:37:30,960
And I think, yeah,
that really talks to

696
00:37:30,960 --> 00:37:34,960
the sort of character that he was,
utterly ruthless, utterly selfish,

697
00:37:34,960 --> 00:37:38,960
caring only for himself
and...you know, and money.

698
00:37:47,960 --> 00:37:48,960
(dramatic music)

699
00:37:48,960 --> 00:37:50,960
(Narrator)
During his trial for murder,

700
00:37:50,960 --> 00:37:54,640
Bhayani continued to insist
he was innocent.

701
00:37:56,320 --> 00:37:58,960
(Martin) Bhayani's defence,
as you could imagine,

702
00:37:58,960 --> 00:38:01,640
for an accomplished con man,

703
00:38:01,640 --> 00:38:05,960
was to immediately blame
his accomplice,

704
00:38:05,960 --> 00:38:07,960
what's known as
a cut-throat defence.

705
00:38:07,960 --> 00:38:09,960
He claimed that he had
nothing to do with it,

706
00:38:09,960 --> 00:38:11,960
and it was all his
accomplice's doing,

707
00:38:11,960 --> 00:38:14,960
and he was entirely innocent
apart from the fraud charges,

708
00:38:14,960 --> 00:38:17,960
which he'd admitted.

709
00:38:17,960 --> 00:38:20,320
(Narrator) Both Bhayani
and Kutner had a long history

710
00:38:20,320 --> 00:38:23,800
of fraud convictions.

711
00:38:23,800 --> 00:38:27,800
(Martin) There was nobody who was
safe from his fraudulent activity.

712
00:38:27,800 --> 00:38:30,960
He tried to remortgage
his own parents' home,

713
00:38:30,960 --> 00:38:32,960
his own brother's home.

714
00:38:32,960 --> 00:38:35,960
He essentially...
his...his life was...

715
00:38:35,960 --> 00:38:41,960
was about money
and stealing and fraud.

716
00:38:43,960 --> 00:38:46,480
You're talking about a guy
who ripped off his own family.

717
00:38:46,480 --> 00:38:50,960
He set up a fake
Gamblers Anonymous hostel.

718
00:38:50,960 --> 00:38:55,160
He filled it with actors posing as
gambling addicts and counsellors.

719
00:38:55,160 --> 00:38:58,000
Then he invited his
wife over to prove

720
00:38:58,000 --> 00:39:00,960
that he was attending
Gamblers Anonymous.

721
00:39:00,960 --> 00:39:05,960
This guy has just got
no conscience whatsoever.

722
00:39:09,160 --> 00:39:11,960
(Narrator) While Bhayani
admitted to defrauding Carole,

723
00:39:11,960 --> 00:39:14,960
he continued to deny murdering her

724
00:39:14,960 --> 00:39:18,960
despite the mounting
evidence against him.

725
00:39:18,960 --> 00:39:20,960
(Officer) To see him
in the witness box

726
00:39:20,960 --> 00:39:24,960
telling lie after lie,
what a performance.

727
00:39:24,960 --> 00:39:27,960
He was convinced that he was
going to turn that jury.

728
00:39:27,960 --> 00:39:29,960
I mean, I've never seen
a performance like it

729
00:39:29,960 --> 00:39:33,800
in the witness box, and I've
seen a lot of murder trials.

730
00:39:33,800 --> 00:39:36,960
The sheer arrogance,
it was just phenomenal.

731
00:39:36,960 --> 00:39:41,640
(Martin) I think all murder
cases are extremely traumatic,

732
00:39:41,640 --> 00:39:43,960
understandably,
for families of the victims

733
00:39:43,960 --> 00:39:45,960
and the loved ones of the victims.

734
00:39:45,960 --> 00:39:49,960
They sit there and they hear
the awful details of...

735
00:39:49,960 --> 00:39:52,960
you know, of the last hours
of...of their loved ones.

736
00:39:52,960 --> 00:39:55,960
But with this case,
it also goes beyond that

737
00:39:55,960 --> 00:40:00,480
because Bhayani's activities
after the murder are

738
00:40:00,480 --> 00:40:03,800
really quite shocking
and upsetting.

739
00:40:03,800 --> 00:40:06,960
His behaviour was...was so callous,
it showed that he had

740
00:40:06,960 --> 00:40:09,960
no feelings whatsoever for Carole.

741
00:40:09,960 --> 00:40:12,960
He had no remorse whatsoever.

742
00:40:12,960 --> 00:40:15,960
He didn't accept what he had done.

743
00:40:15,960 --> 00:40:19,960
And I think that must have been
an additional agony for...

744
00:40:19,960 --> 00:40:22,960
for her family
to have to listen to.

745
00:40:27,960 --> 00:40:32,960
(Narrator) In November 2013,
Rakesh Bhayani and Nicholas Kutner,

746
00:40:32,960 --> 00:40:38,960
who had both faced murder charges,
finally discovered their fates.

747
00:40:38,960 --> 00:40:44,960
The jury returned a guilty verdict
of murder for Bhayani.

748
00:40:44,960 --> 00:40:48,960
His accomplice was
acquitted of murder

749
00:40:48,960 --> 00:40:51,960
but was convicted of perverting
the course of justice

750
00:40:51,960 --> 00:40:54,960
in helping to dispose the body.

751
00:40:54,960 --> 00:40:58,800
And the trial judge,
Mr Justice Wilkie,

752
00:40:58,800 --> 00:41:01,160
said it was an act
of great callousness

753
00:41:01,160 --> 00:41:04,320
borne out of greed,
but he did concede that

754
00:41:04,320 --> 00:41:09,960
there was no premeditation,
that this was a spur-of-the-moment

755
00:41:09,960 --> 00:41:11,640
action by Bhayani.

756
00:41:11,640 --> 00:41:15,960
Bhayani was sentenced
to a mandatory life sentence

757
00:41:15,960 --> 00:41:19,960
with a recommendation that
he served a minimum of 27 years

758
00:41:19,960 --> 00:41:22,960
before he becomes
eligible for release.

759
00:41:28,960 --> 00:41:29,960
(sombre music)

760
00:41:29,960 --> 00:41:31,960
(Narrator) The total
amount of the fraud

761
00:41:31,960 --> 00:41:34,960
committed against Carole Waugh
was estimated to be

762
00:41:34,960 --> 00:41:38,960
over a quarter of a million pounds.

763
00:41:38,960 --> 00:41:40,960
(Fiona) Bhayani spent
a lot of money

764
00:41:40,960 --> 00:41:44,320
very quickly after
he killed Carole.

765
00:41:44,320 --> 00:41:48,960
That suggests that he wasn't
emotionally attached to Carole.

766
00:41:48,960 --> 00:41:50,960
It suggests, perhaps,
that he was very greedy,

767
00:41:50,960 --> 00:41:52,960
that he was very desperate.

768
00:41:52,960 --> 00:41:53,960
Perhaps he knew that it was

769
00:41:53,960 --> 00:41:54,960
only a matter of time

770
00:41:54,960 --> 00:41:58,960
before he would be discovered.

771
00:41:58,960 --> 00:42:02,960
Continued crime after murder
really impacts

772
00:42:02,960 --> 00:42:04,960
a judge's view of this person.

773
00:42:04,960 --> 00:42:07,960
I mean, for one, it shows
that the murder didn't just

774
00:42:07,960 --> 00:42:11,000
end their criminal behaviour,
that this was heat of the moment,

775
00:42:11,000 --> 00:42:13,960
something that went too far,
there was an argument,

776
00:42:13,960 --> 00:42:17,960
they did something
almost unintentionally.

777
00:42:17,960 --> 00:42:19,960
At that point,
that goes out the window,

778
00:42:19,960 --> 00:42:22,960
and it shows that they were
willing to cover up the murder,

779
00:42:22,960 --> 00:42:26,960
didn't call the police,
commit more crimes afterwards,

780
00:42:26,960 --> 00:42:28,960
and show no remorse whatsoever.

781
00:42:28,960 --> 00:42:31,960
That really colours how bad
this offender is in the judge

782
00:42:31,960 --> 00:42:33,960
and community's minds.

783
00:42:33,960 --> 00:42:35,960
(Officer)
When they were convicted,

784
00:42:35,960 --> 00:42:38,320
I just thought, job well done.

785
00:42:38,320 --> 00:42:40,960
We called it the "Dirty
Rotten Scoundrel" case,

786
00:42:40,960 --> 00:42:44,960
like the Steve Martin film,
but this was no comedy.

787
00:42:44,960 --> 00:42:47,960
An innocent woman had died.

788
00:42:51,960 --> 00:42:53,960
(Narrator)
Despite the guilty verdicts,

789
00:42:53,960 --> 00:42:58,960
details of exactly how Carole
died that night remain unclear.

790
00:42:58,960 --> 00:43:02,960
(Martin) So we think back at
Carole's flat in Marylebone,

791
00:43:02,960 --> 00:43:06,480
she's there with Bhayani
and his accomplice,

792
00:43:06,480 --> 00:43:12,160
and she confronts him about
his...his finances and the fact

793
00:43:12,160 --> 00:43:14,960
that she's lent him
all this money.

794
00:43:14,960 --> 00:43:18,960
She's clearly, by this stage,
beginning to realise

795
00:43:18,960 --> 00:43:20,960
what he is and who he is.

796
00:43:20,960 --> 00:43:23,800
I think that perhaps
she confronts him

797
00:43:23,800 --> 00:43:27,480
and there's an argument about
her demanding the money back.

798
00:43:27,480 --> 00:43:30,480
And of course,
Bhayani probably can't

799
00:43:30,480 --> 00:43:32,960
pay her back because,
you know, his life is...

800
00:43:32,960 --> 00:43:35,960
is a tissue of lies, essentially.

801
00:43:37,960 --> 00:43:41,960
(Officer) I don't believe
that the murder was planned.

802
00:43:41,960 --> 00:43:43,960
I think Carole smelled a rat.

803
00:43:43,960 --> 00:43:45,960
I think Carole threatened...
she threatened

804
00:43:45,960 --> 00:43:47,320
to go to the authorities.

805
00:43:47,320 --> 00:43:49,640
Bhayani desperately needed money

806
00:43:49,640 --> 00:43:51,960
to feed his growing
gambling addiction

807
00:43:51,960 --> 00:43:56,960
and to pay back the gangsters
for the counterfeit cash.

808
00:43:56,960 --> 00:43:58,960
(Bryanna)
I think throughout this case,

809
00:43:58,960 --> 00:44:05,960
there's a lack of planning that's
evident in Bhayani's behaviours.

810
00:44:05,960 --> 00:44:09,960
It seems that Bhayani
and Carole had gotten

811
00:44:09,960 --> 00:44:11,960
into a heated argument actually

812
00:44:11,960 --> 00:44:14,960
the same day that
she had been killed.

813
00:44:14,960 --> 00:44:17,960
It certainly just
may not have been

814
00:44:17,960 --> 00:44:20,000
his ultimate goal to kill her,

815
00:44:20,000 --> 00:44:23,640
but even though he was
engaging in these, you know,

816
00:44:23,640 --> 00:44:26,960
fraud and financial schemes
to benefit himself,

817
00:44:26,960 --> 00:44:28,960
he was absolutely willing
to engage in this violent crime

818
00:44:28,960 --> 00:44:31,960
to cover it up.

819
00:44:31,960 --> 00:44:34,960
(Officer) Carole obviously
didn't know how bad he was.

820
00:44:34,960 --> 00:44:37,960
When you're financially and
emotionally involved with someone,

821
00:44:37,960 --> 00:44:41,160
you don't want to admit
that you've made a big mistake,

822
00:44:41,160 --> 00:44:42,960
but of course, you still
want to try and find

823
00:44:42,960 --> 00:44:45,960
a way to recoup your losses.

824
00:44:45,960 --> 00:44:49,960
She was owed a lot of money,
and she wanted that money back.

825
00:44:49,960 --> 00:44:52,960
She couldn't afford to take the
losses of not having that money.

826
00:44:54,960 --> 00:44:58,960
(Bryanna) She wanted to believe
that she had this partner.

827
00:44:58,960 --> 00:45:00,960
She was getting older in age.

828
00:45:00,960 --> 00:45:03,800
She really didn't have a lot
of people around her...

829
00:45:03,800 --> 00:45:06,960
so somebody that was going
to take care of her,

830
00:45:06,960 --> 00:45:07,960
that wanted to spend
time with her.

831
00:45:07,960 --> 00:45:09,960
I think she really
wanted to believe

832
00:45:09,960 --> 00:45:12,960
that he liked her that much,
and he was going to do that.

833
00:45:12,960 --> 00:45:14,000
And he was very good at hiding it.

834
00:45:14,000 --> 00:45:15,960
He was stealing things from her.

835
00:45:15,960 --> 00:45:18,160
He had answers to
where the money went.

836
00:45:18,160 --> 00:45:20,960
It wasn't entirely apparent
how much she was taking advantage

837
00:45:20,960 --> 00:45:24,960
of her, and if she did have
any thoughts of him doing this,

838
00:45:24,960 --> 00:45:27,960
I think she tried
to put it out of her mind.

839
00:45:27,960 --> 00:45:31,800
(Martin) Carole Waugh was
a very trusting person.

840
00:45:31,800 --> 00:45:34,960
I think essentially,
her biggest failing was

841
00:45:34,960 --> 00:45:37,960
the fact that she was so trusting.

842
00:45:37,960 --> 00:45:40,960
When she met Bhayani,
she believed she'd met,

843
00:45:40,960 --> 00:45:43,480
as she said, one of the good guys.

844
00:45:43,480 --> 00:45:47,960
Tragically for her,
it was the complete opposite.

845
00:45:47,960 --> 00:45:49,960
She wanted to believe in him.

846
00:45:49,960 --> 00:45:53,960
I think she wanted to believe
in people and the good in people.

847
00:45:53,960 --> 00:45:55,960
(Officer) These men had absolutely

848
00:45:55,960 --> 00:45:58,960
no conscience
that Carole had been killed.

849
00:45:58,960 --> 00:46:02,960
All they cared about is how
they could keep this fraud going

850
00:46:02,960 --> 00:46:06,480
and how much money they could get.

851
00:46:06,480 --> 00:46:09,960
(Martin) Unfortunately for her,
she met a man who was greedy,

852
00:46:09,960 --> 00:46:15,960
callous, and essentially cared
for nothing but himself.

853
00:46:15,960 --> 00:46:18,960
(sombre music)

854
00:46:25,960 --> 00:46:28,960
(theme music)

855
00:46:28,960 --> 00:46:30,960
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