Hello all,
I was very interested in this case when Claudia first went missing, fell off for a while and the death of PL has me back in the thick of it.
I've spent the last 3 days reading most of the previous threads. Haven't got a thing done in real life, but the different theories posited have been very well thought out and plausible for the most part.
I didn't see very much about finances in the previous threads. I want to preface what I say here with the following: I do not live in the UK. The information I'm quoting is from various internet sites and could bear absolutely no resemblance to real life at the time of the disappearance. I use the information for reference and would appreciate it if people in the area could correct any misinformation.
So, having said all that, I'm really curious about how Claudia funded what seemed to be a very active social/travel life. I use the following numbers for my calculations:
Chef Salary: ₤24,000 (30k less 6k for taxes)
House price: ₤180,000
Salary per week: ₤460 (based on above)
Mortgage payment: ₤200 per week (based on ₤800 per month approximately)
Utilities for approx. 800sf home per week: ₤40 (based on ₤160 approximately)
A pint of cider: ₤2.50
A pub meal: ₤10
A taxi to Acombe: ₤10
A taxi to downtown area: ₤5
Groceries per week: ₤20
Misc: ₤20
Petrol per week: ₤8
Car Insurance: ₤10
Travel: ₤25
Pet costs: ₤25
Assumptions:
- Mortgage payment: based on a loan of ₤130,000 at 5% interest. I've assumed a ₤50,000 down payment as Claudia had been working for quite a long while prior to this purchase.
- Utilities: square footage based on the size of the house on the corner currently for sale as I couldn't find a floorplan for Claudia's home.
- Cider: Claudia visited the NH 4 or 5 times a week until just before she disappeared. Is it reasonable to assume an average of 3 pints of cider per visit? Assumption is 12 pints per week. I think this is very conservative based on friend comments about her sometimes having a few too many.
- Meals: I assume she would eat mostly at work, but on nights she was at the NH would she get a pub meal? Assumption is 3 pub meals a week.
- Taxi's: Assumption is 2 taxi rides per week but possibly shared with others, so will peg this at ₤10 per week.
- Groceries: I'm assuming she wouldn't spend much on groceries as she would eat at work for the most part?
- Misc: amount is a random number. Intended to amortize for things like clothing over the year.
- Petrol: I can't imagine she'd use much petrol when her car was running, so I assume about 2 litres per week. Is that reasonable considering how close work was and her social life is for the most part close to home?
- Car Insurance: Is this a reasonable amount to assume?
- Travel: Is it reasonable to assume travel twice a year for a week to somewhere like Cyprus or Greece? Is ₤600 per trip (flights, food accommodation) reasonable to assume? If so ₤1200 amortized over the year is approx. ₤25 per week
- Pet costs: feed and agistment. Cobweb died just before Claudia went missing, so I think this is a valid expense to put in.
Based on these (very broad) assumptions, her living costs amount to about ₤420 per week, leaving only ₤40 per week for savings or servicing any other debt she may have. This doesn't seem like a lot for savings and unexpected expenses like dropping a new engine in a car. I'm also assuming she didn't have a car payment simply because rather than get a new vehicle she was repairing hers. I think it reasonable to assume her parents may have helped her buy her house, or be helping with expenses?
So, where am I going with this? We have seen a lot of information on the boards about nefarious activities under surveillance at the NH and the possible involvement of patrons, along with speculation about Claudia being mixed up with this, inadvertently or not. But could it be that Claudia was knowingly involved? I don't think she had much money by the end of the week once her expenses were paid. She had access to potentially many "customers" at her place of work and in the student housing behind her home. Could it be that things "spiralled out of control" in some way? Arguments about money and threats to expose the big players?
I hasten to add that I'm merely positing a theory here, I'm not accusing anyone of anything.
If you've taken the time to read to the end, thank you, and please feel free to correct any numbers you feel aren't reasonable to assume. Or add others you think should be included.
***Edited to add that Claudia did not seem to be the type of person to threaten anyone based on descriptions provided by her friends. My implication here is that she may have been in a situation she was unable to get out of.
~E