As they emerged from the lift into a dingy corridor only partly illuminated by noisy overhead strip lighting, dark shadows flickering at the edges, she was reminded of something that had happened during her backpacking days. She'd been caught in a sudden storm while travelling by fishing boat between islands in southern Indonesia. Huge dark waves had reared up and crashed over the deck, sending the tiny boat spinning and lurching. The fishermen had looked terrified, their expressions terrifying Tina even more as she clung desperately to her seat, genuinely believing she was going to die. Then the friend she was travelling with leaned over and, with a grim smile on his face, had shouted above the noise, 'It's not much consolation now, but you're going to love telling this story one day!' And she had, too. They'd made it across, the storm had passed, and life had moved on. The moral being, things are never as bad as they seem.

She told herself she'd be out of there soon enough, life would move on, and she'd have a good laugh about it over a long gin and tonic, curled up on her sofa.

The flat they wanted was at the end of the corridor. She knew which one it was going to be straight away, because it looked like Fort Knox. The doorway was covered with an iron security grille, the door behind it reinforced with a series of home-cut steel plates. No fewer than five separate locks ran up one side, and attached to the doorframe was a tiny CCTV camera, its lens pointing out at head height through one of the gaps in the grille.

The black guy produced a set of keys and let them in, a process that took the best part of a minute. The interior was cloyingly warm and smelled of dope as they made their way through a narrow hallway and into a dimly lit backroom which was furnished with just a table and two chairs facing each other on either side.

Sitting in one of the chairs, with his legs crossed and his back to them, was a short, well-built black man in a peach-coloured suit and fedora of the same colour. The fedora was set at a jaunty angle and had two small peacock feathers jutting from the rim, giving the man the overall appearance of a 1970s New York pimp. He didn't turn round as the black guy moved out of the way and Tina stepped inside, just motioned with a casual wave of a hand for her to take the vacant seat.

'I hear you been asking questions about Patrick Phelan,' said the man from beneath the fedora as she sat down opposite him. 'You a cop, yeah?'

His voice was softer than she'd been expecting, the accent local but with just a hint of something more exotic. As he lifted his head she could see that he was young, probably no more than late twenties, with a round boyish face and dark intelligent eyes. He was definitely not what she'd been expecting, and now that the two men who'd brought her here had disappeared into another room, she felt herself relax a little.

'Yes,' she answered, 'I'm a cop.' She wasn't technically, she was an agent, but it was never worth explaining it like that since no one ever seemed to understand the difference. 'I work for the Serious and Organized Crime Agency. You must be Leon Daroyce.'

He touched a finger to his hat and half-smiled. 'That's me.'

'And yes, I have been asking questions about Patrick Phelan,' Tina continued. 'We're looking for him.'

Daroyce nodded slowly. 'So am I,' he said softly, hardly moving his lips as he spoke, so that his words came out almost as a hiss.

He leaned forward in his seat and crossed his hands on the table. They were small and surprisingly dainty considering his build, dwarfed by the gold sovereign rings on most of his fingers. He exhaled slowly through pursed lips and fixed her with a gaze that was almost hypnotic.

'Let me tell you something, Miss Boyd,' he hissed. 'I'm an entrepreneur, a small businessman. I lend money like a bank, except unlike a bank I don't ask hundreds of questions. I don't make my customers fill out a pile of forms. You know what someone once said? A banker's a man who lends you his umbrella when the sun's shining, then asks for it back as soon as it starts raining.'

'Mark Twain.'

He shrugged, uninterested. 'Well, I'm not like that. I don't turn people away. All I ask is you pay me back the money you've borrowed, and the interest on it. That's it. I'm providing a service. And I provided a service to Pat Phelan. Except he seems to have welshed on the deal. He owes me thirty-five thousand pounds, Miss Boyd. And I need to get that money back.'

'I don't see how I can help.'

'Because you're looking for him. What is it that you people want to speak to him about?'

'We think he's involved in a fraud case,' she lied. If Daroyce and his friends were involved in the kidnapping then they'd know she wasn't telling the truth, but she was beginning to think that they couldn't be. Otherwise, why on earth would they have brought her here?

'That sounds like Phelan. The guy's a snake. Is he likely to get bail?'

'I don't know.'

'Listen, Miss Boyd, perhaps you and me can help each other. I need to get my money back from Pat Phelan, because if I let something like this go, then it's going to look very bad on me and my business. Do you understand what I'm saying?'

'I think so, yes.'

'Now, if you hear where he is, all you need to do is give me a call, let me and my people get there first, and I'll pay you ten grand in cash.' He reached inside his peach suit and produced a huge wad of used notes, putting it down on the table in front of her. 'Not bad for five minutes' work, is it?'

She looked at the money, wondered who'd suffered for him to get it, then back at Daroyce. 'I'll see what I can do.'

'No,' he said quietly, 'that's not good enough. I want you to say you'll do it.'

His tone was cold now.

Tina made another quick calculation. She had no intention of helping Daroyce, and she certainly couldn't take his money. However, it seemed prudent to say yes, just so she could get out of there.

'OK, I'll do it. If we locate him, of course. Have you got a number I can get you on?'

His half-smile returned. 'Sure.' He took a card from his pocket and handed it to her. It was blank except for a handwritten mobile number.

She put it in her pocket.

'I still don't understand why you need me, though. It looks like you've got eyes and ears all over the place. You certainly found out about me easily enough.'

'I've looked everywhere for Phelan, but he seems to have done a better job at disappearing than he ever did at gambling. He was supposed to give me a fifteen grand down payment last Sunday. He didn't turn up; neither did it. He asked for a few more days. I told him he had twenty-four hours. But he didn't come through again. So, I've been hunting for him. I know where he lives, but his car hasn't been there, and from what I hear, neither has he. But,' he added, regarding her almost playfully, 'I've got a little clue that you might be able to use.'

'What's that?' Tina sat forward, interested.

'The thing is, Miss Boyd, can I trust you?' Tina met his gaze, held it firmly. 'Yes, you can trust me. If we find him, I'll let you know. What you do after that is your concern.'

Daroyce nodded, seeming to accept this. 'Phelan's got a girlfriend. Good-looking chick. A little bit old for my tastes, but she carries it well.'

'Are you sure it's not his wife?'

He shook his head. 'No, I know what his wife looks like. It's not her. She's been here, too. The girlfriend. She came with him to deliver a five grand down payment on the debt a couple of weeks ago. I don't know who she is, or where she lives, but they were definitely close, and I had the feeling that, you know, the five grand was her money.'

'Can you describe her?'

'I can do better than that. I can show you a picture.'

He leaned down behind the table and picked up an envelope which he handed her. There was a single photograph inside, a still from the security camera outside Daroyce's door. It showed the faces of a man and a woman, both of whom looked nervous. The man's face was in the foreground, and Tina recognized him as Pat Phelan. The picture quality wasn't fantastic and the woman's face appeared slightly grainy, but even so there was no mistaking who it was, since Tina had seen her picture on the website of Feminine Touch Health and Beauty Spas only hours before.