My Cousin Used My House To Swindle 11,800,000 Yuan, But Didn't Know The House Was Cleared
6 min read

Chapter 3

Chapter 3 — My Cousin Used My House To Swindle 11,800,000 Yuan, But Didn't Know The House Was Cleared

Updated 10/08/2026 6 min read

I can almost imagine the indifferent look on his face as he said these words. Manager Ton and the other two people stood opposite me, no one spoke, just listened silently.

“Shen Tu Hien.”

I deliberately spoke slowly, so that the speaker could transmit each word clearly.

"Apartment 903, Building 6, Bich Lan Dinh area... was demolished a year ago. The original house book was revoked and destroyed by the city's resettlement board at that time. The house was razed a long time ago, and that place is now the Cam Hoa Center commercial center."

I stopped for a moment. The breathing on the other side of the phone became heavier.

“What you mortgaged… is something that doesn't exist.”

"That house book is scrap paper, fake paper."

“You swindled 11,800,000 yuan.”

I said the last sentence very lightly. The other end of the line was dead silent. About ten seconds later.

“Fuck what did you say?!”

Tham Tu Hien's voice suddenly rose so high that it distorted his voice.

"How can the house be lost?! Relieve what?! When did it happen?! I don't know! Do you want to harm me?! Tham Nhuoc An, you slandered me!"

He's really panicked.

"You can go to Bich Lan Dinh's old address and see for yourself. Or go to the city resettlement board to check and see if the house in Tham Nhuoc An's name has signed a compensation contract a year ago and officially canceled its ownership."

I stopped.

"Ah yes. People from Hang Thai Credit are currently standing in front of my house. Do you want to go and explain to them yourself?"

There was a "bang" sound from the other side. Looks like the phone hit something. Then there was a burst of chaos. Tham Tu Hien almost burst into tears:

"Hello? Hello! Nhuoc An, let them answer the phone! No... you listen to my explanation first! There was a misunderstanding! This is really a misunderstanding! Mom! Mom! Something happened! Come here quickly!"

The call was cut off. There was only a prolonged beeping sound. Tut… tut… tut… I lowered the phone and looked at manager Ton. He was also looking at me. The young man filming the video stopped at some point. The person holding the file looked at his superior, waiting for instructions. Manager Ton grinds every word.

"Are you one hundred percent sure that house was demolished a year ago? Are all procedures completed?"

“One hundred percent.”

I replied very calmly.

"The clearance compensation contract, bank transfer statement, confirmation of cancellation of ownership from the clearance committee... I have the originals. If you need them, you can check them at any time."

“Does your cousin know that the house has been demolished?”

I think a bit. I have never discussed the matter in detail with your family. I did not say a word about the amount of compensation and the direction of use. They only knew that the Bich Lan Dinh area was about to be demolished, but after that their attitude towards me gradually became cold, perhaps they didn't bother to ask about further progress. In Tham Tu Hien's mind, there was nothing else besides "making big money". He will never care what happens to the house that he assumed "sooner or later would belong to the Tham family". It's very possible... He really didn't know the house was gone.

“I don't think he knows.”

“At least when he took the house book, he probably still thought the house was intact.”

"Don't know?"

Manager Ton laughed coldly.

"If you don't know, you dare to use something that hasn't yet been determined whether it's real or fake to defraud 11,800,000 yuan?"

“I don't know but dare to forge your signature?”

His chest heaved two puffs. If he can't recover these 11,800,000 yuan, I'm afraid his management position will go away with it. He looked at me again.

"This matter will not end easily. Tham Tu Hien is suspected of financial fraud with a particularly large amount of money, we will definitely pursue it to the end. In the coming time, we need you to coordinate the investigation and provide relevant documents."

He paused for a moment then continued:

"In addition, there were problems with the preservation of your personal documents and they were impersonated and used by others, causing serious losses to our side. This responsibility..."

I interrupted him.

“Manager Ton, I am also a victim.”

“My documents were stolen, my name was forged, a contract was signed without my knowledge.”

"I'm renting a house. My current legal assets have nothing to do with the house that disappeared."

“For your loss, go find the scammer and claim it.”

“Don't come and make things difficult for someone who was also deceived like me.”

He stared at me for more than ten seconds.

“How normal is your relationship with Tham Tu Hien?”

"He is my cousin. After my parents died, my eldest uncle's family took care of me for a while."

“Just a cousin?”

He asked again.

“So his parents, your eldest uncle and your aunt… do you know about this?”

I haven't been able to answer yet. There was a "ding" sound from the elevator. Then there was the sound of rapid footsteps as if running. Accompanied by an extremely shrill woman's voice, echoing from far away:

"Nhuoc An! Nhuoc An! What's going on?! Don't be afraid! Auntie is here!"

Two people rushed out from the stairs. The person running in front is Vuong Tu Lan. Her hair was half messed up, her face was red and shiny, her expression was extremely impatient. Behind her was Uncle Tham Quoc Luong who was breathing heavily, his face pale and bloodless. They came too fast. Just now, on the phone, Tham Tu Hien shouted "mom". So are they nearby? Or did Tham Tu Hien immediately notify his family after the incident? As soon as Vuong Tu Lan saw three people standing in front of my door, she saw me wearing an old t-shirt, my face pale, and immediately rushed forward, extending her arms to pull me behind her.

"Who are you? What do you want to do? In broad daylight, you came to block someone's door. Do you believe I should call the police?!"

Her voice was so loud that my ears rang. I took a step back. Don't let her touch you. I looked straight at her.

"Do you know that Tam Tu Hien took my house book to mortgage it and borrow 11,800,000 yuan?"

The expression on her face stiffened in less than half a second. Then he immediately changed his face to a panicked and worried look.

"What? More than ten million yuan?"

"This... how is it possible! I know my guy Tu Hien doesn't understand things, but he's not that bad..."

"Nhuoc An, don't panic, what happened? Auntie will help you handle it!"

When she said the four words "help you handle it", her eyes slightly averted. Turning towards the file in manager Ton's hand. Tham Quoc Luong stood behind from beginning to end without speaking, his hands clasped tightly together. Manager Ton coldly glanced at Vuong Tu Lan.

“Are you Tham Tu Hien's mother?”

“It's me.”

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