The Carer's Mask — Lies, Scratch Cards and a £230k Deception

When someone who is paid to care becomes the person you cannot trust, everything that holds a community together trembles. This episode opens with that gut-punch: Biljana Zekovica, a 53-year-old former carer in Guernsey, has been convicted of a calculated campaign of deceit that stole more than £230,000 from five vulnerable men. The headlines read like a crime brief, but the story beneath them is quieter, crueller, and far more human.

We trace the pattern of lies she told—urgent dental work, housing emergencies, medical treatments—stories so ordinary and urgent they disarm suspicion, especially when told by someone in a caring role. Listeners will hear how empathy was weaponised: why these particular stories cut through defenses, how trust in a uniform and a voice opened wallets and hearts, and why the ripple effects reach far beyond bank balances.

But this is not a tale of one-dimensional villainy. The episode digs into the messy psychology behind the crime: a mounting scratch-card addiction that drained around £500 a week, a spiral of debt and self-deception, and a woman who told herself she was borrowing to repay. We examine how desperation and compulsion can erode moral lines, producing a web of small choices that become a catastrophic betrayal.

The courtroom offers its own drama. Sentenced to four-and-a-half years, Zekovica faced a judge who called the scheme shameful and detestable; victims’ voices echo in the ruling. We unpack the legal outcome, the prosecutor’s framing of a deliberate campaign, and the defence’s plea about a ‘‘mental whirlwind’’—and we ask where culpability ends and human frailty begins.

Beyond the individuals, the episode widens its lens to the community: how one person’s actions can corrode public confidence in carers and the systems meant to protect the vulnerable. We explore the secondary harms—hesitation to seek help, extra layers of oversight for honest workers, and the fragile balance between protecting people and preserving compassion.

By the end of the Deep Dive, listeners will have a clear narrative arc—from quiet trusting exchanges in people’s homes to the bitter revelation of betrayal, and from the glamour of small comforts to the grinding reality of addiction-fuelled fraud. This is a story that forces hard questions: how do we safeguard empathy without turning it into a liability, and how do communities rebuild trust when it has been so brutally exploited?

Join us as we travel the uneasy terrain between care and deceit, listening to victims, unpacking motive, and examining the social cost of a crime that was as much about psychology as it was about money. Subscribe for the latest updates and to keep exploring the forces that shape life in Guernsey and beyond.