Karen was an acquaintance of Amy Wyatt who she stole money from in Belfast. Amy had lived with a man named Dylan who soon began racking up debts which were all in her name. After Dylan legged it, Amy had stolen Karen's money to pay off her loan sharks and then also legged it.
Karen arrives in the village in late July 2019, demanding £4,000 back from Amy by tomorrow or she'll go to the police. Amy tells her mother, Kerry, all that happened and Kerry promises Amy they'll find a way of paying Karen off. Desperate to get the money, Kerry and Amy steal charity money from the sweet factory, unknowingly starting a fire in the process. Later, Amy meets Karen at the Cricket Pavilion and uses the charity money to pay off her debts and apologizes for everything. Karen tells her she hopes she sorts herself out and then leaves.