My Cousin Used My House To Swindle 11,800,000 Yuan, But Didn't Know The House Was Cleared
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Chapter 16

Chapter 16 — My Cousin Used My House To Swindle 11,800,000 Yuan, But Didn't Know The House Was Cleared

Updated 10/08/2026 4 min read

I put my phone on the table and zoomed in on the photo. In the photo, in front of the transaction counter, there are two people standing next to each other. One is Tham Tu Hien. The rest are women. Body shape, hairstyle, clothes... Those who know Vuong Tu Lan here only need one look to recognize him. Third uncle leaned over to take a look. The chopsticks in the youngest girl's hand also stopped.

“This photo was taken on the day of the loan application.”

I looked at Vuong Tu Lan.

“He was present from beginning to end.”

"It's not like Tham Tu Hien did it himself."

“The main person… is you.”

“This photo is so blurry, how can you say it's me?!”

Vuong Tu Lan almost shouted.

"If I have the clothes the person in the photo wears, other people will have them too!"

I opened the recording file. Vuong Tu Lan's voice rang out clearly in the middle of the main house.

"Nhuoc An, three million is not much. How much compensation will you receive for the house in Bich Lan Dinh? At least five or six million yuan? Now that Tu Hien is in trouble, if you give him a helping hand, my aunt will be grateful to you for the rest of my life."

Next is my voice.

"I have no obligation to repay the debt on behalf of Tham Tu Hien."

Then came Vuong Tu Lan's voice.

"You have to put those release papers down! Don't give them to that person named Ton! Once you give them out, Tu Hien's life will be completely over!"

The recording echoed throughout the house. More than twenty people... No one spoke up. Vuong Tu Lan's face was sometimes red, sometimes white.

“You recorded me?!”

“Tham Nhuoc An, you dare record me?!”

I took out a stack of papers. It's a set of evidence documents that lawyer Ha helped me arrange.

"A year and a half ago, Vuong Tu Lan used the excuse of 'helping me inquire about the clearance' to borrow my house book and household registration book."

“It took a week to return it.”

“WeChat chat history is here.”

I turned to another page.

"Three months ago, Tham Tu Hien used a fake power of attorney and house book to make a loan of 11,800,000 yuan at Hang Thai Credit."

"According to Trieu Bang's testimony, that day the entire process was led by a middle-aged woman."

I turned another page.

“That middle-aged woman…”

I looked straight at Vuong Tu Lan.

“…it's you.”

“A year and a half ago, when I borrowed your documents, I most likely photocopied them and kept them.”

“Three months ago, I used those documents to take Tham Tu Hien with me to apply for a loan.”

I closed the file.

"I'm not unaware."

"It's not like Tham Tu Hien hid something."

“I'm the one who planned all of this.”

The whole house was so quiet that you could hear the sound of incense ashes falling on the altar. The first person to speak was third uncle. He looked at Vuong Tu Lan.

“Is this story real or fake?”

Vuong Tu Lan's lips trembled twice.

“It's all fake!”

“This girl colluded with outsiders to harm me!”

My voice was very calm.

“I have given all these documents to the police.”

“Next thing to assess…”

"It's the signature on that authorization paper."

“If the appraisal results show that the signature was not written by Tham Tu Hien…”

“but someone else's handwriting…”

I didn't finish the sentence. But everyone understands. Vuong Tu Lan's face looked like a crumpled piece of paper. All colors drained away. Only ash gray remains.

“Nhuoc An!”

Tham Quoc Luong suddenly stood up, his voice breaking. Everyone looked at him simultaneously. He repeated again. I don't know if I'm talking to the whole family... Or I'm talking to myself. He turned to Vuong Tu Lan.

“Did you tell Tu Hien to do that?”

Vuong Tu Lan did not answer.

“I asked you!”

This shout made everyone stunned. Tham Quoc Luong has always been the quietest person and has the gentlest personality. In everyone's memory... He never raised his voice. Vuong Tu Lan's shoulders shrank. Then she did something that no one expected.

“Thud” sound.

She knelt down on the floor.

“I do everything for this house!”

She cried and screamed.

“None of you care about Tu Hien!”

“He was tricked by someone outside!”

“I'm his mother, if I don't help him, who will?!”

"Tham Nhuoc An owns such a big house alone, the money to clear it is several million yuan!"

"What's wrong if I tell him to help his family a little?! What's wrong?!"

She cried and banged her hands on the ground. Tears and nose smeared all over his face. This one kneel... The atmosphere in the room immediately tilted towards her. There were two relatives who looked awkward. The youngest girl bowed her head in silence. Third uncle's wife quietly pulled her husband's sleeve, signaling not to interfere. Vuong Tu Lan's cries grew louder and louder.

“You are all on the side of the outsiders!”

Vuong Tu Lan cried until her voice was hoarse.

“It's Tham Nhuoc An who's an outsider!”

“That year, when his father bought the house, he refused to put his uncle's name on it!”

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