Chapter 11: The Account Nobody Was Supposed to Find
Helen arranged an emergency meeting with the title company's counsel the following morning.
I barely slept.
Every time I closed my eyes, I saw Daniel standing over me at Christmas dinner, insisting that I had disrespected him.
For years, I'd mistaken his need for control as confidence.
Now I understood that a man who constantly demanded trust might simply be afraid of what would happen if anyone checked his story.
At nine o'clock, Helen placed the new authorization on the conference table.
"The title company has agreed not to proceed with the closing while the disputed authorization is investigated," she said.
"That doesn't resolve the underlying transaction, but it gives us time to determine what happened.""
Dad nodded.
"What about the second account?""
Helen opened a financial report.
"The instruction in the authorization refers to an account that isn't listed in the original restructuring documents. We've asked the relevant institutions to preserve records, and we're working through the appropriate process to identify the account holder and trace any transfers.""
I looked at the phrase again.
Close before she discovers the second account.
"Could the money still be there?""
"Possibly," Helen said.
"Or it may have been transferred elsewhere. We cannot tell from this document alone.""
My phone rang.
Patricia.
I nearly rejected the call, but Helen gestured for me to answer.
"Sarah," Patricia said, "please listen to me. I know you're angry, but you need to understand what Daniel is planning.""
"What is he planning?""
"He wants to move the remaining assets before Richard's lawyers can freeze anything.""
"How do you know?""
"Because I heard him talking to Elizabeth last night.""
"Then tell Helen.""
"I can't.""
I closed my eyes.
"Patricia, you keep saying you want to help, but every time we get close to the truth, you stop.""
"I'm frightened.""
"So was I when your son threw a plate at my head.""
She fell silent.
Then she whispered, "I know.""
"No, you don't. You watched him do it.""
"I know," she repeated, her voice breaking.
"And I'll regret that for the rest of my life.""
For a moment, I heard only her breathing.
Then she continued.
"Daniel told me the second account was created before the first loan application. He said it was insurance in case the restructuring failed.""
"Whose account?""
"I don't know.""
"Patricia!""
"He never told me the name. But I saw a statement once. There was a deposit of $1.2 million.""
My hands tightened around the phone.
The same amount listed beside my name in the proposed distribution schedule.
"Where did the money come from?""
"I don't know. Daniel said it was his share of the restructuring.""
"Did you see the account number?""
"Part of it.""
"Do you still have the statement?""
A long pause followed.
"Yes," she admitted.
I looked at Helen.
She immediately began writing.
"Patricia, preserve the original statement and contact Helen. Don't send it to me or Daniel. Don't alter anything.""
"I'll do that.""
"And one more thing. Why did you help him with my documents?""
Her answer came slowly.
"Because I believed Daniel would lose everything if the company collapsed. He told me that if the creditors came after him, I could lose my home too. The house is tied to a loan I guaranteed years ago.""
I felt a strange mixture of anger and pity.
"You were protecting yourself.""
"Yes.""
"And you let him use me to do it.""
She began crying.
"I thought you would be safe. I thought the money would be replaced before anyone noticed.""
I ended the call after telling her to speak with Helen.
Dad watched me carefully.
"You don't have to forgive her because she's frightened.""
"I'm not going to.""
"But you can let her cooperate without deciding today what she deserves.""
I nodded.
By noon, Patricia had sent Helen a scan of the statement. The original was being preserved for examination.
The account was held by an entity called Northstar Private Ventures.
Its registered contact was Peter Lawson.
I stared at the name.
"Your former chief financial officer," I said.
Dad looked as if someone had struck him.
"Peter had access to nearly every major investment record I owned.""
Helen studied the statement.
"The account received $1.2 million two weeks after the first major transfer from Bennett Construction. We need the complete transaction history to establish whether the funds are connected.""
"Could Peter have taken the money?"" I asked.
"We cannot conclude that yet," Helen replied.
"He may have controlled the account, but we need to know who supplied the funds and who ultimately benefited.""
Dad picked up his phone.
"I'm calling Peter.""
Helen stopped him.
"Richard, I strongly advise against an unplanned confrontation. If he's involved, you could alert him. If he isn't, you could complicate our investigation.""
Dad reluctantly put the phone down.
I looked at the statement.
The account had been opened eleven months earlier.
The same month Daniel's affair had begun.
"Why would Peter help Daniel?""
"That is what we need to establish," Helen said.
Then her laptop chimed.
An email had arrived from the lender's compliance team.
They had identified another entity connected to the original loan application. It was registered in Delaware and shared an address with a company that had once employed Elizabeth Carter.
Helen read the name aloud.
"Redwood Meridian Group.""
Dad frowned.
"That company was involved in a failed development proposal several years ago.""
"Was Peter Lawson involved?"" I asked.
Dad searched his records.
After several minutes, he found an old board memorandum.
Peter had recommended that Dad invest in the development. Dad had rejected the proposal after an independent review revealed that the projected costs were understated.
The project had collapsed months later.
I looked at the date.
Three years before Daniel and I married.
"Was Daniel involved in that project?"" I asked.
"No," Dad replied.
"He hadn't even started his company yet.""
"Then why does it matter?""
Helen opened the original memorandum.
"Because the proposed development was backed by the same group of investors now appearing in the Northstar records.""
Dad leaned closer.
The list of investors included Peter Lawson, an entity connected to Elizabeth Carter, and a third company whose ownership had not yet been identified.
I felt the pieces moving together, but I still couldn't see the entire picture.
Then Dad noticed a handwritten note in the margin.
He read it silently.
His face went pale.
"What is it?"" I asked.
He turned the page toward me.
The note was dated three years earlier.
It read:
If Richard rejects the investment, approach Daniel Bennett through Sarah. He will eventually need the capital.
I stared at the words.
The note had been written before my wedding.
Before Daniel's company received my father's money.
Before the affair.
Someone had planned to approach Daniel through me years before the financial scheme became visible.
And that someone had known exactly how much my father would be worth to him.
Dad sank into his chair.
"Sarah," he whispered, "this wasn't a plan Daniel created after he got into trouble.""
Helen looked at the memorandum.
"No," she said.
"The evidence suggests that some people may have been positioning themselves around your father's investments for years. We need to establish whether the later transactions were part of that same effort.""
My phone vibrated.
An unknown number.
May you like
A single message appeared.
You finally found the account. Now ask Peter why he chose Daniel instead of someone who was easier to control.