PART 4
“Mom.”
I didn’t look at him immediately.
“Yes?”
“Can I come up?”
I gestured toward the empty chair beside the swing.
He sat down.
For several seconds, neither of us spoke.
Then he said something I wasn’t expecting.
“I never thought you’d actually fight me over this.”
I turned my head.
“Fight you?”
“You’re my mother. I thought you’d understand.”
I studied his face.
He was forty-one years old, but suddenly he looked like the little boy who used to come home with scraped knees and expect me to make everything better.
“Derek, do you remember the summer I rebuilt the back bedroom?”
He frowned.
“What?”
“The summer you came here with your college friends. You said the room was too small, so I knocked down the old partition and rebuilt it. You told me you wanted somewhere comfortable to stay when you visited.”
He looked toward the house.
“Yes.”
“Do you remember when your father died?”
His expression changed.
“Mom, please.”
“I sold his old truck to pay for the new roof. I worked weekends for nearly a year because I wanted to finish this place. Every time I walked into the kitchen, I remembered how your father used to say we would grow old here.”
I paused.
“And when you asked me to sign that deed, I trusted you.”
He stared at the floor.
“I wasn’t trying to hurt you.”
“Then why did you tell me I wasn’t welcome?”
He rubbed his hands together.
“I thought you would move into the apartment permanently. Megan’s parents needed somewhere to stay. We thought it made sense.”
“Who is we?”
He didn’t answer.
I continued.
“You and Megan decided that my house was available. You decided that I had enough money. You decided that my bedroom needed new paint. You decided that my belongings could be moved. And then you called me to tell me I was no longer welcome.”
His eyes became wet.
“I made a mistake.”
I nodded.
“Yes, you did.”
“Can we fix this?”
I looked at him for a long moment.
“Not today.”
He leaned forward.
“Mom, I need you to understand something. Things haven’t been easy.”
There it was.
The explanation.
The reason behind everything.
I waited.
“My business has been struggling. I have some loans. Megan’s parents were about to lose their apartment, and I thought if we could all stay here, we could save money.”
I looked at him.
“How much do you owe?”
He hesitated.
“Mom…”
“How much, Derek?”
“About eighty thousand.”
I didn’t move.
Eighty thousand dollars.
I thought about the loan application Robert had shown me.
I thought about the conversations Derek had avoided during the past year.
I thought about the way he had suddenly become interested in my property.
“Did you borrow money using my house as security?”
“No. Not exactly.”
“That isn’t an answer.”
He looked away.
“I listed it as an asset. I thought the bank would approve the application faster.”
“Did you tell the bank you owned it?”
He didn’t respond.
And that silence told me enough.
I stood up.
“Derek, you need to speak with your attorney. Robert will handle all communication concerning the villa.”
“Mom, don’t make this worse.”
I looked down at him.
“You made it worse when you decided that your mother was an obstacle standing between you and a house.”
Then I walked inside.
At noon, the Proctors finally began loading their belongings back into the U-Haul.
Donna was furious.
She accused Derek of ruining their lives.
Ray refused to look at him.
Megan stood beside the passenger door, wiping her face with a tissue.
Before leaving, she approached me.
“Vivien, I need to ask you something.”
I turned toward her.
“Go ahead.”
“Did you know about the trust when I showed you the deed?”
“Yes.”
Her eyes widened.
“Then why didn’t you tell me?”
I almost smiled.
“Would you have believed me?”
She opened her mouth.
Then closed it.
I continued.
“You came into my kitchen carrying a document you didn’t understand and told me that my own son had taken my house. You didn’t ask whether I was comfortable with the arrangement. You didn’t ask whether I wanted to give up my home. You simply informed me that your parents needed it more.”
She looked down.
“I thought Derek had handled everything.”
“That’s exactly the problem, Megan. You trusted him without checking anything, just as your parents did.”
She wiped her eyes.
“I’m sorry.”
I nodded.
“I hope you understand why an apology doesn’t immediately repair what happened.”
She walked back to the truck.
By 1:15, the U-Haul had disappeared around the corner.
The street became quiet again.
The neighbors returned to their houses.
Tommy helped remove the remaining boxes from my porch.
And for the first time in three weeks, I was alone in the house that still belonged to me.
But the day wasn’t over.
At 3:42 that afternoon, Robert called.
“Vivien, there’s something else you need to know.”
I was standing in the kitchen, looking at the gray paint samples Donna had left behind.
“What is it?”
“We received a response from the lender.”
I put the paint samples down.
“What did they say?”
“They have a copy of the loan application. And there’s a second document attached to it.”
“What document?”
“A property valuation report.”
I frowned.
“Why would they need that?”
Robert paused.
“Because the application requested a loan of $180,000, using the villa as part of the financial security information.”
My stomach tightened.
“Did Derek sign it?”
“Yes.”
I sat down.
Then Robert said the words that made my hands go cold.
“Vivien, the application also contains a signature that appears to be yours.”
For several seconds, I couldn’t speak.
“That’s impossible.”
“I know. That’s why I wanted you to hear it from me first. We need to examine the document and determine exactly how that signature was obtained.”
I looked through the kitchen window toward Arthur’s porch swing.
Someone had tried to take my house.
Someone had painted over my memories.
And now someone might have used my name without permission.
“Robert,” I said quietly, “I want every document.”
“Of course.”
“And I want the truth.”
“You’ll get it.”
I ended the call.
Then I walked to the safe-deposit box in my bedroom and removed the original trust documents.
I placed them on the dining table beside Arthur’s old photograph.
For twenty years, I had protected that house.
For six years, I had protected the trust.
But now I was beginning to realize that the biggest threat might not have been the unrecorded deed at all.
It might have been what my son had done behind my back.
And I was determined to find out.
Because the next document Robert was about to uncover would reveal that Derek’s plans for my villa had started long before he ever called to tell me I was no longer welcome.
PART 4: THE TRUTH THAT DESTROYED HIS LIES — AND THE HOME I FINALLY RECLAIMED
The following Monday morning, I sat across from Robert Hayes in his office, staring at a document that had the potential to change everything.
It was a copy of the loan application Derek had submitted three months earlier.
Robert had highlighted several sections.
The first listed Derek as the owner of the Gulf Shores villa.
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