The Impossible Fortune
by Richard Osman
Contents
Chapter 31
Overview
Joyce and Elizabeth trace Holly Lewis’s last call to Jill Usher and visit her under a fabricated heir-hunter cover story, hoping to learn how Jill connects to Holly and Nick Silver. The meeting suggests Jill is more likely an unsuspecting friend from Holly’s past than an active conspirator, which shifts Elizabeth’s assumptions about the case.
However, Jill’s wary husband Jamie interrupts before Elizabeth can reveal Holly’s name or ask direct questions, leaving the investigation unresolved. The chapter matters because it narrows one possible interpretation of Holly’s final call while introducing fresh suspicion around Jamie and blocking an easy breakthrough.
Summary
Joyce and Elizabeth visit Jill Usher in Manchester to investigate why Holly Lewis called Jill just before Holly died. To avoid alarming Jill, Joyce leads with an elaborate false story about an unclaimed estate belonging to Jill’s supposed great-great-uncle, a circus magician named Harry Ablett. Elizabeth lets Joyce continue because their real goal is to keep Jill talking and gather any link to Holly.
As Jill listens with her children around her, Elizabeth carefully asks about family history and whether Jill has any ties to southern England. Jill says she once worked in Brighton but is otherwise Manchester born and bred. That answer gives Elizabeth a possible connection to Holly, but Elizabeth still avoids mentioning Holly’s name because she does not yet know whether Jill was Holly’s friend or somehow involved in Holly’s death.
Joyce deepens the deception by producing fake photographs of the invented ancestor, and Jill accepts them warmly. Watching Jill’s reaction, Elizabeth starts to think Jill is probably not a criminal or a threat. Instead, Elizabeth suspects Jill and Holly were genuinely close, which makes Elizabeth reluctant but determined to break bad news in order to learn whether Holly would have contacted Jill for help.
Before Elizabeth can mention Holly, Jill’s husband Jamie arrives home. Jill explains that Joyce and Elizabeth are from an heir-hunting company, but Jamie immediately challenges them for identification. Elizabeth and Joyce withdraw rather than push harder in front of Jill, and Jamie escorts them out. Once in the hallway, Jamie warns them that if the visit is a scam they will regret it, and when Elizabeth asks what he does for a living, Jamie refuses to answer, ending the encounter with suspicion rather than a useful lead.
Who Appears
- Elizabethco-leads the visit to Jill, probes for Holly’s connection, and reassesses Jill as likely innocent
- Joyceimprovises the heir-hunter cover story and distracts Jill with fake family-history details and photos
- Jill UsherManchester teacher whose final-call connection to Holly becomes the focus of Elizabeth and Joyce’s questioning
- Jamie UsherJill’s protective, suspicious husband who demands identification and abruptly ends the interview
- Holly Lewisdead woman whose last phone call to Jill drives the chapter’s investigation