Chapter 1 — My Cousin Used My House To Swindle 11,800,000 Yuan, But Didn't Know The House Was Cleared

My Cousin Stole My Red Book To Borrow 11,800,000 Yuan (about 41.3 billion), Who Would Have Thought That House Was Liquidated A Year Ago

"Miss Tham Nhuoc An, right? Apartment No. 903, Building 6, Bich Lan Dinh Apartment Complex is in your name, and is currently being used as collateral for us at Hang Thai Credit. Here is the loan contract and a copy of the home ownership certificate. Please complete the move within three days."

There are three people standing outside the door. The middle-aged man leading the group was named Ton, wearing a dark gray suit and tie that was neatly tied so that not even an inch was out of place. In his hand he held a brown leather briefcase, his voice was monotonous as if he were reading an announcement in a supermarket. Behind him were two young men. One person held a file, the other held up a phone to record a video. Three people blocked the entire door. I wore an old t-shirt, cotton slippers, and a cup of tea in my hand. I just sent the final design to the customer and am planning to sit on the balcony for a while. Weekend, after ten o'clock in the morning.

“What did you just say?”

When I opened my mouth, my voice was a bit hoarse. The teacup gently shook, a few drops of water splashed onto the back of my hand.

"Apartment No. 903, Building 6, Bich Lan Dinh Apartment Complex. The owner is Tham Nhuoc An, his identity information has been verified."

Manager Ton didn't look at me, just bowed his head and pulled out a stack of A4 papers.

"The total loan amount is 11,800,000 yuan. The loan term is three months, the compound annual interest rate is 18%. The asset listed in the mortgage contract is the apartment in your name. This is a photocopy of the home ownership certificate."

He turned the paper to the first page. The cover is dark red, the photocopy is very clear. House owner: Tham Nhuoc An. Real estate address: Apartment 903, Building 6, Bich Lan Dinh apartment complex, Cam city. That is the only house my parents left me.

“I have never mortgaged my house.”

“Full black and white paper, contract and video recording are all there.”

Manager Ton flipped to the last page and pointed to the signature box.

"Your cousin, Mr. Tham Tu Hien, took the original house book and power of attorney to our company to directly carry out the procedures. You are the borrower in the contract, and the money was received by Mr. Tham Tu Hien on the spot. 11,800,000 yuan, with bank statements and full surveillance cameras."

In the signature box, write three words: "Tham Nhuoc An". The strokes of the pen are both large and flying wildly. Not my words. I have always written neatly, with each horizontal and vertical stroke clear. Dragon flying and phoenix dancing font like this, one look and you'll know there's a problem. But above is my name.

“Shen Tu Hien?”

"He claimed to be her close cousin, authorized by her to handle the real estate mortgage. The documents were verified twice by our legal and risk control department. The house book was valid, personal information matched, he also provided a photocopy of the household registration book to prove kinship. Full procedures, legal process."

Manager Ton said one more sentence, and my hand tightened a little more. At the end of the hallway, the neighbor's door opened a crack. I didn't turn my head, but I still felt someone watching. Bich Lan Dinh, building 6, apartment 903. The house my parents saved for nearly half their lives to buy. After they died, that was my last root in this world. My mind spins very fast. I moved out of Bich Lan Dinh and rented a house almost two years alone. I always keep my house book locked in the office drawer of my current apartment, along with my household registration and diploma. The drawer has a lock, the key is only one, on my key chain. So how did Tham Tu Hien get it? A thought suddenly popped out. More than a year ago. Also around this time. Bich Lan Dinh area suddenly had news that it was about to be cleared. My aunt, Vuong Tu Lan, came to look for me almost every day.

"Nhuoc An, how can a young girl like you understand this matter? What if I get pressured?"

"Give me your house book and household registration. I know someone inside, so I can help you find out."

"We're all family, can you still harm me?"

At that time, my parents passed away in less than a year. My eldest uncle's family sometimes called me over for dinner. The topic always revolved around the house, but on the surface it was still quite polite. I don't understand anything about the clearance policy. Hesitating for two days, in the end he still gave her the file bag containing the documents.

“I'm bothering you.”

"How polite are family members? Don't worry!"

She held the file bag in her arms, smiling until her eyes narrowed. A week later it was returned.

"I asked clearly, there are no loopholes. You can negotiate on your own, I've even written down all the important points for you."

When I received the document bag back, I didn't open it to check right away. Also did not review the documents inside. Perhaps… at that moment. She moved her hands and feet. But what happened later ruined their calculations. After the clearance project officially started, I handled it all myself. Signing the contract, choosing a compensation plan, doing procedures... all of it did not pass through my family's hands. I choose to receive compensation in cash. The day the signing was completed, the clearance board staff directly revoked the original house book right in front of me.

"Miss Tham, after recovery, the house books will be canceled all at once. Compensation money will be transferred to the account according to the contract. Ownership of this entire area will be updated. From today, the ownership of this house officially ends."

I also ask one more question:

“The book has been revoked, what should I do next?”

The opponent replied:

"The house is no longer there, the documents are naturally invalid. If you buy a new house in the future, you will be issued a new book. Ownership of the old house will be based on this compensation contract."

From that day on, apartment 903, building 6, Bich Lan Dinh area, both in law and reality... no longer existed. On the old land, a commercial center named Cam Hoa Center has now grown.