Melt the butter in a large skillet/frying pan. Dice the onions and crush the garlic then add both to the pan and cook until soft, around 5mins. Meanwhile, cut the crusts from the bread and soak it in the milk. Preheat oven to 325F/160C. Add the curry powder, turmeric and cumin to the onions and stir well, cook for a minute then add the ground meat/mince. Cook the meat, stirring ever minute or two, until browned. Add the apple, raisins and soaked bread to the pan - do not throw away the milk. Stir the pan to mix everything in then remove from the heat. Add the lemon juice, Worcestershire sauce and one egg and mix well. Pour the mixture into a casserole dish and press down flat. Mix the remaining egg with the retained milk and pour over the meat mixture. Top with a bay leaf (optional). Bake in the oven for around 40-50 minutes until the topping is set and lightly browned.