Chapter 11 - Twelve Million Reasons to LieThe second application was far more sophisticated than the first.

It contained an executive summary, financial projections, references to commercial holdings, and a list of proposed collateral. Several figures had been copied from Redwood Capital's internal records. Other figures appeared to have been fabricated.
The requested loan was twelve million dollars.
The alleged borrower was Redwood Capital.
The authorization page carried my signature.
Again.
Richard arranged for the documents to be preserved and reviewed by the relevant professionals. The lender confirmed that it had not released funds against the application, but its legal team had identified inconsistencies serious enough to halt the process.
The question was no longer whether someone had attempted to use my name.
The question was how far the scheme reached.
At my office, Richard spread the documents across the conference table.
“The application lists several commercial assets,” he said. “Some belong to Redwood Capital. Others belong to entities you have invested in over the years.”
“Who had access to these figures?”
“A limited number of people, but we need to examine the record before drawing conclusions.”
Brandon sat at the far end of the table.
He had barely spoken since leaving the warehouse.
When Richard showed him the list of assets, his face grew pale.
“I recognize these numbers.”
“From where?” I asked.
“Amber's laptop. She was preparing a presentation about the family portfolio.”
“Did she tell you what the presentation was for?”
“She said Victor wanted to evaluate investment opportunities.”
I looked at Richard.
“Can we establish whether the figures came from our internal files?”
“We can compare them with the original records.”
I nodded.
“Do it.”
Brandon rubbed his face.
“I can't believe she would do this.”
I looked at him.
“You believed she was helping your business. You believed the house belonged to you. You believed Victor would make you wealthy. Every time something appealed to your hopes, you accepted it without demanding proof.”
He winced.
“I know.”
“Then start changing the habit.”
He swallowed.
“What do you want me to do?”
“Tell Richard everything you remember. Every meeting. Every email. Every document. Even the things that embarrass you.”
He nodded slowly.
For the next two hours, Brandon provided a detailed account of his dealings with Victor and Amber. He described business meetings, financial discussions, and several conversations about the River Oaks property.
He admitted that he had exaggerated his authority over Redwood Capital when speaking with investors. He had not signed the forged application, he maintained, but he had repeatedly allowed others to believe that he controlled the mansion.
That carelessness had helped create the opportunity for the scheme.
Richard documented every statement.
Then he received an email containing a set of communications recovered from the lending company's records.
One message had been sent from Amber's account to Victor.
Brandon believes the house is effectively his. He won't question the authority papers once the process starts.
Victor's reply was brief.
And Franklin?
Amber had answered:
He will sign when he understands the alternative.
I stared at the screen.
The sentence did not prove exactly what she intended, but it revealed something important.
Amber had expected me to approve the transfer eventually.
Or she wanted Victor to believe I could be persuaded.
Either way, she had treated my consent as a variable to be managed, not a requirement to be obtained.
A second message appeared.
The original contract must be secured before the claim is reviewed.
Victor's response read:
Make sure the boy stays focused on his money. He is easier to manage when he is afraid of losing everything.
Brandon read the exchange.
His lips parted, but no words came.
He stood and walked to the window.
For a long time, he stared at the traffic below.
Then he said, “They were using me.”
Richard answered carefully.
“The messages strongly suggest that they viewed your financial problems as leverage. We still need to establish the full context.”
Brandon laughed once, without humor.
“My father bought me a house. My wife told me it was a symbol of our success. Victor told me I could become independent. And all along, they were discussing me like I was a tool.”
I did not answer.
There was no comfort I could offer that would make the truth less painful.
Then Brandon turned toward me.
“Did you know Mum suspected Victor?”
I glanced at Eleanor's letter.
“No.”
“She knew about him years ago.”
“Yes.”
“Why didn't she tell me?”
I thought about Eleanor's words.
Perhaps she had tried.
Perhaps she had seen warning signs I had missed because I wanted to believe my son was simply struggling to find his way.
“I don't know,” I said. “But I think she wanted you to have the chance to choose differently.”
He lowered his head.
“And I didn't.”
“No.”
The answer hurt him.
It hurt me too.
At 4:12, Richard received a call from the lender's attorney.
The forensic examiner had identified a likely source for the signature used in the second application.
It came from a scanned document submitted to a property management service several months earlier.
The scan had been uploaded using credentials associated with Brandon's office.
Brandon stood abruptly.
“That doesn't prove I did it.”
“No,” Richard said. “It doesn't.”
“But someone used my office.”
“That is something we need to establish.”
Brandon looked at me.
“I didn't forge your signature.”
I wanted to believe him.
But belief was no longer enough.
“Then help us prove what happened.”
He nodded.
Richard closed the file.
“One more thing. The application references a deadline connected to the Austin contract. The proposed transaction depends on obtaining the original records before that deadline.”
“What deadline?” I asked.
“October 31.”
I checked the date.
It was October 21.
Someone had only ten days left to secure the documents.
Victor's urgency suddenly made sense.
And the fact that he had offered Brandon two million dollars was beginning to make sense too.
May you like
The money was not a reward.
It was bait.
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