Well looks like the lodger and his boyfriend probably did it. They've been using her card to order goods online in her name and had them delivered to the house. Her family live away and alerted the police when she couldn't be contacted. Seems there have been transactions on her card since she vanished. Her car suddenly appeared outside a scrapyard after police appealed. All looks pretty obvious to me (more scum involved too). Police divers searching ponds,canal and river. Only a matter of time i think.