Yes, this is sad. You don´t mention what it is that she stole or what or your relationship with her is. Or, indeed, what her situation is. Is she a troubled young person? Does she visit regularly? Is the son who moved to the US her father and is she also on her own now? My mother used to claim that visitors stole things from her, but the "stolen" items were usually found later because she´d put them somewhere herself. It is quite a strong accusation to accuse someone of stealing. Perhaps, if you are absolutely sure, and you are close to her, you can text her, something along the lines that you noticed that she was not herself and would she like to drop by to talk about it? You say she is in trouble financially, she might have been hoping for more than £10 from her grandmother. It would be good to get this into the open and talk about it. And silly to fall out over it. You may well need her in years to come.