Derailed (2005 film)

Plot[edit]

Chicago advertising executive Charles Schine lives with his wife Deanna and their daughter Amy, who suffers from type 1 diabetes, which requires expensive medical treatment.


On a commuter train to work one morning, Charles meets a woman who tells him she is Lucinda Harris, a financial advisor who is married with a daughter. The two begin meeting and one evening decide to take a room in a cheap hotel. As they are undressing, an armed man bursts into their room and robs them and beats Charles, and then brutally rapes Lucinda. Not wanting her husband to learn of her affair, Lucinda persuades Charles not to report the crime and they go their separate ways.


Days later, the man, who identifies himself as Philippe LaRoche, contacts Charles and threatens to kill his family if he does not pay him $20,000. He takes the money from their savings and goes to the meeting point and hands over the cash, but LaRoche again assaults him, saying it's because Charles had cancelled his credit cards which LaRoche had stolen.


A month later, LaRoche calls again, this time demanding $100,000. Charles explains his situation to his work colleague Winston, an ex-con. Winston offers to scare off LaRoche for ten percent of the demanded payout. Charles embezzles $10,000 from his company and he and Winston plot to get the drop on LaRoche at the specified meeting location. However, LaRoche surprises them, shoots Winston dead, and takes the $10,000. Charles dumps the car with Winston's body into the river, and later gives a false alibi when questioned by Detective Franklin Church.


Charles receives another call from LaRoche, saying he is holding Lucinda hostage and will kill her if he does not deliver the full $100,000. Charles takes the money from the account meant for his daughter's medical treatment and goes to Lucinda's apartment and makes the payoff to LaRoche and his partner Dexter.


Charles goes to visit Lucinda at her workplace, but discovers that the woman he met is not the Lucinda Harris who does work there but is actually called Jane and only worked there briefly as a temp. He goes back to her apartment, which is now being shown to new prospective renters, and discovers that Jane's photograph of her purported daughter is actually a cut-out of a stock picture from a brochure.


Charles tracks Jane down and follows her, and sees her meeting and kissing LaRoche, learning she was in on the scam. He also observes her seducing another businessman, Sam. Determined to retrieve his stolen money, Charles rents a room at the same hotel as before and waits for Jane to arrive there with Sam, followed by LaRoche. Charles knocks LaRoche unconscious outside the hotel room door, disarms him, and bursts in, telling a confused Sam the scheme he has been set up for. Dexter arrives to back up LaRoche and when Sam tries to jump Charles a gunfight ensues, with everyone shot but Charles, who coldly watches Jane die and then returns to his room. He convinces the police who have been called in that he was just a bystander. As he leaves, Charles claims his briefcase from the hotel safe and gets back his stolen money.


Back at his office, Charles finds his embezzlement has been discovered, and he is sentenced to six months of community service, teaching in a prison. During one of his classes, he comes across a notebook containing a story which relates all that has happened to him and leads him to find LaRoche, who had survived the gunfight. Swearing revenge for the death of Jane, LaRoche threatens to continue to disrupt Charles' life, but Charles reveals that he has planned their encounter and stabs LaRoche to death with a shank.


Charles walks away from the encounter by claiming to Detective Church that LaRoche attacked him and he reacted in self-defence. He returns to his family.