A woman has recounted the devastating story of how she discovered her fiancé had been lying about his entire life just weeks before their wedding.
Most of us are guilty of telling the odd white lie when dating, but how far would you go in order to impress a potential significant other?
For Megan Clarke, 27, she thought she’d found her happy ever after when she begun a relationship with Lord Bertie Underwood, a charming horologist (someone who makes and repairs watches).
Although she wasn’t looking to settle down, Megan – who was 20 years old at the time and working as a bar manager on the Isle of Wright – was soon swept off her feet by the dashing Lord, who treated her to luxurious date nights and invited her to live in his lavish seafront home.
“He was charming, kind, thoughtful, loving. A real gentleman,” Megan recounted of their relationship during an interview with Metro.
The relationship moved quickly. Within a month the pair had said ‘I love you’ and Bertie would pop the question six months later, surprising Megan with a Cartier diamond ring.
However if things sound almost too good to be true, there’s a chance that something more sinister is lurking beneath the surface.
Bertie would request that Megan didn’t post his face on social media, claiming it was because of his dad’s high-ranking career in the navy (which in hindsight should be the second red flag after the name ‘Lord Bertie Underwood’).
However the fairytale would begin to unravel when Megan noticed letters arriving at their home under various different names. Bertie claimed they were for previous tenants, but the former bar manager was not convinced and decided to investigate further.
What Megan then discovered would bring her world crashing down entirely.
However not everything was as it seemed.
Megan later discovered that Bertie had multiple bank cards under various aliases and after googling the names, she uncovered that her Lord actually had a long track record for fraud, using names such as Robert Doughty and Robert Soanes-Madejski to get away with his crimes.
The truth devastated Megan, who would be dealt another crushing blow once the pair split – with ‘Bertie’ having racked up around £30,000 of debt in her name.
“We went to the police and action fraud,” she recalled to The Sun. “[But] unfortunately there wasn’t a great deal they could do.”
Megan has since worked to pay off the debts and rebuild her life while ‘Bertie’ has since been arrested on fraud charges and sentenced to five years in prison. However he escaped in 2022 and currently remains on the run.
The fact that ‘Bertie’ is now on the run is something which has left Megan unsettled, as she added to Metro that she would ‘freeze’ if she encountered him on the street.
Megan’s story appears as part of the series Love Cheats, which is available to watch on Channel 4.
My Daughter and Son-in-Law Died 2 Years Ago – Then, One Day, My Grandkids Shouted, ‘Grandma, Look, That’s Our Mom and Dad!’
A woman sitting in her house | Source: Midjourney
That summer morning in my kitchen, staring at an anonymous letter, I felt something entirely different. I think it was hope mixed with a little bit of terror.
My hands trembled as I read those five words again, “They’re not really gone.”
The crisp white paper felt like it was burning my fingers. I thought I’d been managing my grief, trying to create a stable life for my grandkids, Andy and Peter, after losing my daughter, Monica, and her husband, Stephen. But this note made me realize how wrong I was.
Two brothers playing with toys | Source: Pexels
They got into an accident two years ago. I still remember how Andy and Peter kept asking me where their parents were and when they’d return.
It took me so many months to make them understand their mom and dad would never return. It broke my heart as I told them they’d have to manage things on their own now, and that I’d be there for them whenever they needed their parents.
After all the hard work I’d put in, I received this anonymous letter that claimed Monica and Stephan were still alive.
An envelope | Source: Pexels
“They’re… not really gone?” I whispered to myself, sinking into my kitchen chair. “What kind of sick game is this?”
I had crumpled the paper and was about to throw it away when my phone buzzed.
It was my credit card company, alerting me to a charge on Monica’s old card. The one I’d kept active just to hold onto a piece of her.
“How is that even possible?” I whispered. “I’ve had this card for two years. How can someone use it when it’s been sitting in the drawer?”
A woman talking on the phone | Source: Midjourney
I immediately called the bank’s customer support helpline.
“Hello, this is Billy speaking. How may I help you?” the customer service representative answered.
“Hi. I, uh, wanted to verify this recent transaction on my daughter’s card,” I said.
“Of course. May I have the first six and last four digits of the card number and your relationship to the account holder?” Billy asked.
I gave him the details, explaining, “I’m her mother. She… passed away two years ago, and I’ve been managing her remaining accounts.”
An older woman talking on the phone | Source: Midjourney
There was a pause on the line, and then Billy spoke carefully. “I’m very sorry to hear that, ma’am. I don’t see a transaction on this card. The one you’re talking about has been made using a virtual card linked to the account.”
“A virtual card?” I asked, frowning. “But I never linked one to this account. How can a virtual card be active when I have the physical card here?”
“Virtual cards are separate from the physical card, so they can continue to function independently unless deactivated. Would you like me to cancel the virtual card for you?” Billy asked gently.
A customer care representative | Source: Pexels
“No, no,” I managed to speak. I didn’t want to cancel the card thinking Monica must’ve activated it when she was alive. “Please leave it active. Could you tell me when the virtual card was created?”
There was a pause as he checked. “It was activated a week before the date you mentioned your daughter passed.”
I felt a chill run down my spine. “Thank you, Billy. That’ll be all for now.”
Then, I called my closest friend Ella. I told her about the strange letter and the transaction on Monica’s card.
An older woman using her phone | Source: Pexels
“That’s impossible,” Ella gasped. “Could it be a mistake?”
“It’s like someone wants me to believe Monica and Stephan are out there somewhere, just hiding. But why would they… why would anyone do that?”
The charge wasn’t large. It was just $23.50 at a local coffee shop. Part of me wanted to visit the shop and find out more about the transaction, but part of me was afraid I’d find out something I wasn’t supposed to know.
A woman sitting on a couch | Source: Midjourney
I thought I’d look into this matter on the weekend, but what happened on Saturday turned my world upside down.
Andy and Peter wanted to go to the beach on Saturday, so I took them there. Ella had agreed to meet us there to help me look after the kids.
The ocean breeze carried the salt spray as the children splashed in the shallow waves, their laughter echoing across the sand. It was the first time in ages I’d heard them so carefree.
A kid standing near a sand castle | Source: Pexels
Ella lounged on her beach towel beside me, both of us watching the kids play.
I was showing her the anonymous letter when I heard Andy shout.
“Grandma, look!” he grabbed Peter’s hand, pointing toward the beachfront café. “That’s our mom and dad!”
My heart stopped. There, barely thirty feet away, sat a woman with Monica’s dyed hair and graceful posture, leaning toward a man who could easily ihave been Stephan’s twin.
They were sharing a plate of fresh fruit.
A plate of sliced fruits | Source: Pexels
“Please, watch them for a bit,” I said to Ella, urgency making my voice crack. She agreed without question, though concern filled her eyes.
“Don’t go anywhere,” I told the boys. “You can sunbathe here. Stay close to Ella, okay?”
The kids nodded and I turned toward the couple in the café.
My heart skipped a beat as they stood and walked down a narrow path lined with sea oats and wild roses. My feet moved of their own accord, following at a distance.
An older woman’s shoes | Source: Midjourney
They walked close together, whispering, and occasionally laughing. The woman tucked her hair behind her ear exactly like Monica always had. The man had Stephan’s slight limp from his college football injury.
Then I heard them talk.
“It’s risky, but we had no choice, Emily,” the man said.
Emily? I thought. Why is he calling her Emily?
They turned down a shell-lined path toward a cottage covered in flowering grapevines.
“I know,” the woman sighed. “But I miss them… especially the boys.”
A woman standing outdoors | Source: Pexels
I gripped the wooden fence surrounding the cottage, my knuckles white.
It is you, I thought. But why… why would you do this?
Once they went inside the cottage, I pulled out my phone and dialed 911. The dispatcher listened patiently as I explained the impossible situation.
I stayed by the fence and listened for more proof. I couldn’t believe what was happening.
Finally, gathering every ounce of courage I possessed, I approached the cottage door and rang the doorbell.
For a moment, there was silence, then footsteps approached.
A doorknob | Source: Pexels
The door swung open, and there stood my daughter. Her face drained of color as she recognized me.
“Mom?” she gasped. “What… how did you find us?”
Before I could respond, Stephan appeared behind her. Then, the sound of approaching sirens filled the air.
“How could you?” My voice trembled with rage and grief. “How could you leave your own children behind? Do you have any idea what you put us through?”
The police cars pulled up, and two officers approached quickly but cautiously.
A police car | Source: Pexels
“I think we’ll need to ask some questions,” one said, looking between us. “This… this is not something we see every day.”
Monica and Stephan, who had changed their names to Emily and Anthony, spilled out their story in bits and pieces.
“It wasn’t supposed to be like this,” Monica said, her voice wavering. “We were… we were drowning, you know? The debts, the loan sharks… they kept coming, demanding more. We tried everything, but it just got worse.”
A woman talking to her mother | Source: Midjourney
Stephan sighed. “They didn’t just want money. They were threatening us, and we didn’t want to drag the kids into the mess we created.”
Monica continued, tears trickling down her cheeks. “We thought if we left, we’d be giving the kids a better, more stable life. We thought they’d be better off without us. Leaving them behind was the hardest thing we ever did.”
They confessed that they had staged the accident to look like they’d fallen off a cliff into the river, hoping the police would soon stop searching and they’d be presumed dead.
A man standing in a house | Source: Midjourney
They explained how they moved to another town to start fresh and had even changed their names.
“But I couldn’t stop thinking about my babies,” Monica admitted. “I needed to see them, so we rented this cottage for a week, just to be close to them.”
My heart broke as I listened to their story, but anger simmered beneath my sympathy. I couldn’t help but believe there had to be a better way to deal with the loan sharks.
An older woman | Source: Midjourney
Once they confessed everything, I texted Ella our location, and soon her car pulled up with Andy and Peter. The children burst out, and their faces lit up with joy as they recognized their parents.
“Mom! Dad!” they shouted, running toward their parents. “You’re here! We knew you’d come back!”
Monica looked at them and tears welled up in her eyes. She was meeting her kids after two years.
A worried woman | Source: Midjourney
“Oh, my sweet boys… I missed you so much. I’m so sorry,” she said, hugging them.
I watched the scene unfold, whispering to myself, “But at what cost, Monica? What have you done?”
The police allowed the brief reunion before pulling Monica and Stephen aside. The senior officer turned to me with sympathy in his eyes.
“I’m sorry, ma’am, but they could face some serious charges here. They’ve broken a lot of laws.”
“And my grandchildren?” I asked, watching Andy and Peter’s confused faces as their parents were separated from them again. “How do I explain any of this to them? They’re just kids.”
A worried older woman | Source: Midjourney
“That’s something you’ll have to decide,” he said gently. “But the truth is bound to come out eventually.”
Later that night, after tucking the children into bed, I sat alone in my living room. The anonymous letter lay on the coffee table before me, its message now holding a different kind of weight.
I picked it up, reading those five words one more time, “They’re not really gone.”
I still didn’t know who had sent it, but they were right.
A woman reading a letter | Source: Midjourney
Monica and Stephan weren’t gone. They’d chosen to leave. And somehow, that felt worse than knowing they weren’t alive.
“I don’t know if I can protect the kids from the sadness,” I whispered to the quiet room, “but I’ll do whatever it takes to keep them safe.”
Now, I sometimes feel I shouldn’t have called the cops. Part of me thinks I could’ve let my daughter live the life she wanted, but part of me wanted her to realize what she did was wrong.
Do you think I did the right thing by calling the cops? What would you have done if you were in my place?
A woman looking straight ahead | Source: Midjourney
If you enjoyed reading this story, here’s another one you might like: While Claire is dropping her kids off at summer camp, she gets a devastating phone call. Her 67-year-old mother, an Alzheimer’s patient, is missing. After three days of looking for Edith, police officers bring her home, and only then does the old woman reveal a horrible truth about Claire’s husband.
This work is inspired by real events and people, but it has been fictionalized for creative purposes. Names, characters, and details have been changed to protect privacy and enhance the narrative. Any resemblance to actual persons, living or dead, or actual events is purely coincidental and not intended by the author.
The author and publisher make no claims to the accuracy of events or the portrayal of characters and are not liable for any misinterpretation. This story is provided “as is,” and any opinions expressed are those of the characters and do not reflect the views of the author or publisher.
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