by ACF Bookens
I opened up the e-lending app for the St. Marin’s library and click on Patrick Ness’s The Rest of Us Just Live Here. I’d long been an audiobook listener, but it had taken me a while to warm to checking out audiobooks electronically from the library. I don’t really know why I’d stalled – this was the best thing, even if the selection was a bit limited. I knew libraries thrived on circulation numbers, so checking out my audiobooks when I could made sense. Plus, the due date made me listen more and, thus, read more books. It was a win-win.
I had just flipped the burgers in the skillet when I heard car doors slam and the skitter of Mayhem’s nails as she went to welcome everyone. In came most of the people I loved: Mart; Stephen and Walter; Cate and her husband, Lucas; my parents, Sharon and Burt; and, of course, Daniel. I glanced at the clock on the microwave – six-thirty on the dot. A punctual bunch, these.
Mart brought in four bottles of wine from the winery where she worked, including a chardonnay that I loved. Mom and Dad brought salad as requested. Stephen and Walter came bearing some steamed green beans with dill and lemon, and Lucas and Cate carried in two bakery boxes that were, without a doubt, the best cupcakes in all the world. Lucas was the director at the maritime museum in town, but I was not the only person who said he could open a cupcake shop in a heartbeat.
The dogs – Mayhem and Taco – and their two buddies, Sidecar, Mom and Dad’s rescue, and Sasquatch, Cate and Lucas’s Miniature Schnauzer, went right to the water bowl before draping themselves over the cluster of dog beds in the corner of the living room. They were sleeping soundly before we even got the plates out.
This had become our new Friday night ritual, and even in just a month’s worth of Friday evenings, we’d fallen into a routine. Stephen and Walter set the table while Mart and Dad got drinks. Mom helped me plate up the burgers and fixings, and Daniel fed the pups under the careful and skeptical eye of Aslan, who could not be bribed – even with tuna – to eat until she had her kitchen back to herself.
We weren’t a formal crowd, so everyone grabbed mismatched plates and filled them up before taking seats on the couch and floor in the living room. We didn’t have enough dining room chairs for everyone, and also, it felt cozier, more fun, to just picnic in the living room.
I forced myself to wait to ask Cate about the co-op until the second bottle of wine was open, but then my curiosity – a trait my mother had always called nosiness – got the better of me. “Cate, I ran into Henri today. She got into a real hullaballoo with Wilma over at the bank.”
“She did? That doesn’t seem like Henri.” She took a sip of wine. “But then again, it does seem like Wilma, so . . . what was the ruckus about?”
It was my turn to take a sip of wine. “Well, I told Henri I’d ask you about it and let her know, but apparently, Wilma said the bank is going to foreclose on the co-op because the mortgage hasn’t been paid.”
I put my wine glass up to my mouth and tilted it back both as shield and salve.
“What in the—?” Cate was on her feet faster than I could blink.
Lucas stood with her and put a hand on her arm. “This must be a mistake, Cate. We can clear it up first thing Monday. Or we can call Wilma at home, if we can find her number.”
Cate slapped his hand away. “Of course it’s a mistake. And any self-respecting banker who had been dealing with another business for as long as they have should know that there’s a mistake. How dare she threaten to foreclose without talking to me! How dare she give that information to anyone but me!” Cate’s voice had gotten very quiet, and I could see from the set of her jaw that the quiet belied the rage.
I let out a long breath, hoping that might inspire Cate to do the same, but instead, she locked eyes on me. “You say Wilma Painter had the gall to bring this up just before the close of business on a Friday? That woman is unbelievable. Unbelievable and cowardly. When I get my hands on her—“
“We all know this is a mistake, Cate.” Daniel’s voice was firm and even. “And we all have your back. We won’t let Wilma do anything to the co-op.” He wasn’t a man of many words, but when he spoke, people listened. The energy in the room was quelled to only slightly uncomfortable.
Cate’s eyes welled up. “I know. Thank you, Daniel, but it’s a bank. Banks are ruthless institutions. If they think I haven’t been paying our mortgage . . .” Her eyes snapped up to mine. “Oh, Harvey. How was Henri? She must have been horrified.”
“Apoplectic might be a better adjective. She knew there was an error, and she was furious that Wilma would contend that it was some lack of judgment or moral diligence that caused this situation.” I waited a minute and hoped there was enough oxygen in the room to handle my next question. “I told her I’d ask you about it and let her know. Do you have any idea what happened?”
My question brought Cate to her knee on the floor. Lucas handed back her wine glass, and she took a long sip. “I don’t. I send the payment with the deposit on the last day of the month. Always have.”
Stephen leaned forward. “You don’t pay it electronically?”
Cate shook her head. “Nope. I knew I could have, and Wilma put some pressure on me to do that – I expect I’ll hear a big ole hair-dye-stained ‘I told you’ so on that one now – but it always seemed easier to just write up the transfer form and put it in with the cash. That way, there was a paper trail.”
I stared down into my now-empty wine glass. “Did you take the deposits yourself?”
Cate’s eyes whipped up to mine. “No. No, I didn’t.” I could see the rage building behind her eyes again. “I had Ollie do it because I like to work on my images in the afternoon. I’m so stupid.”
“Ollie – the kid with the gauges in his ears?” Lucas asked, trying to sound neutral. But from the look on his face, I could tell he was thinking what we were thinking, Why would you trust that knucklehead with anything, much less bank deposits? I’d talked with him several times, and while he was nice enough, he always seemed a little distracted.
Cate sighed. “Yep, he’s the one. We never have much cash to deposit. A couple hundred dollars a day since our artists get paid directly. Mostly, it’s just sales from the few gift items and rent from the artisans. I checked the account the first few times he went, and everything was good. Then, I kind of assumed we were fine. Apparently, we were not.”
Walter adjusted his hips on the couch next to me. “So he just didn’t turn in the transfer request for the mortgage payments and then withdrew the money that should have gone to the mortgage.” He ran his fingers through his hair. “For a kind of dumb kid, that’s a pretty smart move. You wouldn’t even notice because the amount would have been the same in the account, unless you checked your mortgage statement, I mean.”
I banged my wine glass onto the table. “But wouldn’t the bank have warned you that you missed a payment? Or several? I mean they don’t want to foreclose, right? It’s not good money for them. So much better to get your mortgage payment and all that interest.” I looked to Stephen for affirmation.
“Right. Foreclosure isn’t profitable for the bank. It just staunches the hemorrhage of money from someone who doesn’t pay. They definitely would have sent notices.”
Daniel’s voice was very tiny when he spoke. “I expect that Wilma had those sent by hand with Ollie.”
“What?!” Cate was on her feet again, and I was glad when Lucas took her wine glass away. She had looked ready to throw it.
“That’s what she did when I missed a payment for the shop.” He looked at me quickly. “I had the flu and didn’t get my transfer done in time. When I went in the next week to set things right, the teller handed me a late payment notice. No email. No call. Just a piece of paper.”
“Probably too cheap to pay for the stamp, the old bat. So she probably gave the man who was stealing from you the notifications that would have let you know he was stealing. Unbelievable,” Mart shouted.
Now I felt like throwing my wine glass.
“I think that’s p
robably illegal,” Walter said quietly. “A breach of confidentiality at least. That may be your best way forward here, Cate. A lawyer arguing that the bank failed in its due diligence.” Walter had sold a very successful construction business in San Francisco when he and Stephen had recently moved to St. Marin’s, so I expected he knew what he was talking about.
Mom and Dad had sat quietly through this whole exchange, but now Dad’s voice was clear. “I’ve just texted Sheriff Mason. He’s on his way over.”
It took me a minute to figure out why Dad had asked the sheriff to come when this was clearly a business issue. Then I realized what he was saying. “Ollie is a thief,” I whispered.
“Maybe. Maybe not,” Dad said. “But it’s time to hand this query over the authorities, don’t you think?”
Daniel, Mart, Stephen, and Walter looked at me pointedly. I had a habit of doing a bit of investigating on my own, and my friends did not like it.
“Good idea, Dad.” I stood and walked over to Cate. “We’ll figure this out, Cate. The co-op is going to be fine.”
She leaned her head on my shoulder, and I hoped I was right.
* * *
Order Bound To Execute, Book 3 in the St. Marin’s Cozy Mystery Series here - books2read.com/boundtoexecute
Harvey and Marcus’s Book Recommendations
Here, you will find all the books and authors recommended in Entitled To Kill to add to your never-ending to-read-list!
The Water Dancer by Ta-Nehisi Coates
Save Me The Plums by Ruth Reichl
Eat This Poem by Nicole Gulotta
Marley and Me by John Grogan
The Art of Racing in the Rain by Garth Stein
Dinosaurs Before Dark Magic Tree House 1 by Mary Pope Osborne
The Secret Garden by Frances Hodgson Burnett
Home Front by Kristin Hannah
Cloister Walk by Kathleen Norris
An American Marriage by Tayari Jones
Senlin Ascends by Josiah Bancroft
The His Dark Materials Trilogy by Philip Pullman
Slaves in the Family by Edward Ball
Murder by the Book by Lauren Elliott
Mrs. Rumphius by Barbara Cooney
Out of the Silent Planet by C.S. Lewis
To Kill A Mockingbird by Harper Lee
In Cold Blood by Truman Capote
Hiawatha and the Peacemaker by Robbie Robertson
City Of Ghosts by Victoria Schwab
Stamped from the Beginning by Ibram X. Kendi
Trail of Lightning by Rebecca Roanhorse
American Pastoral by Philip Roth
A Man Called Ove by Fredrik Backman
The Boys of my Youth by JoAnn Beard
Piggies by Audrey Wood
Say You’re One Of Them by Uwem Akpan
Redwall by Brian Jacques
Murder Past Due by Miranda James
White Like Me by Tim Wise
The New Jim Crow by Michelle Alexander
White Fragility by Robin DiAngelo
Amazing Grace by Kathleen Norris
Girl on a Train by Paula Hawkins
I have personally read each of these titles and recommend them highly. Feel free to drop me a line at [email protected] and let me know if you read any or have books you think I should read. Thanks!
Happy Reading,
ACF
Want to read about Harvey’s first sleuthing expedition?
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Also by ACF Bookens
About the Author
ACF Bookens lives in the Blue Ridge Mountains of Virginia, where the mountain tops remind her that life is a rugged beauty of a beast worthy of our attention. When she’s not writing, she enjoys watching her husband and son ride the tractor, cross-stitching while she binge-watches police procedurals, and reading everything she can get her hands on. Find her at bookens.andilit.com.
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