Chloe Hadjimatheou

He lent Sally £100,000 and with that money she hired a lawyer.

Sally Walker's solicitor made Ros and Martin Hemmings an offer.

Sally would pay them back all the missing money on a no-admissions basis and, in return, Martin had to promise not to pursue criminal charges and not to talk about the matter publicly again.

Ros says in the end they decided against a long legal case which might mean they wouldn't see a penny.

no criminal charges were ever brought against Sally Walker in relation to the missing money.

The Walkers had solved their problems, but only temporarily, because Cooper had lent them £100,000 to pay back the Hemmings and pay the expensive lawyers, but it was on the understanding that they'd sell their house in Wales and pay him back soon.

So now they had a second private mortgage on their home at a high interest rate of 18% per annum and it was payable at the demand of the lender.

At that point, it's probably safe to say Sally and Tim Walker weren't too worried because Cooper was a relative and a friend.

But just a few months later, Cooper's business went bust and the loan he'd given the Walkers passed from Cooper to two businessmen he owed money to.

And almost immediately, those businessmen called in the debt.

I've seen solicitors' letters from Sally and Tim Walker to the men who wanted their money, assuring them that they will get paid soon.

And it's clear the Walkers were trying to sell their property.

Their house appears in an episode of the BBC property programme Escape to the Country.

In 2011, more than a year after the debt had been called in, the house still wasn't sold.

Cooper, who at this point was still pretty close to Tim Walker, wrote to one of the businessmen who were owed the money.

But at some point that same year, the Walkers just stopped responding to the businessman, who in the end felt they had no choice but to go to court to get their money back.

By now, the interest on the loan had racked up and the Walkers now owed more than £150,000.

In July 2013, having failed to pay back any of the loan, the Walkers' house was repossessed.

Years went by and the Hemmings had tried hard to forget the Walkers.

Martin died, the estate agency was sold and Ros started working for the local lifeboat charity.