Time Heals All Wounds By Oliver Thomas 3 Summary
In this chapter, Josephine visits a bank downtown where she learns from the bank manager that her father has frozen her supplementary card, cutting off her monthly allowance. However, she also discovers that her mother’s Black Card, which only she can access, holds a substantial balance, giving her some financial independence. She transfers a large sum to her savings, feeling a small sense of victory despite her father’s attempt to control her. Shortly after, she receives a spiteful text from her brother Julian, mocking her situation and urging her to come home and apologize.
Later, Josephine receives a message from Elara via Instagram, pleading with her not to be angry at their father and brothers, claiming they are worried about her. Elara offers to send Sebastian to pick Josephine up and bring her home, attaching a photo showing the family happily gathered around a coffee table with a gaming console—one that Connor had promised Josephine but now apparently belongs to Elara. Josephine responds sarcastically, highlighting her resentment.
The next day at school, Josephine senses hostility from her classmates. She finds a forum post accusing her of breaking up with Sebastian out of jealousy, moving out abruptly, and being the villain in a dramatic story involving Elara and Sebastian. The post includes photos and harsh comments, painting Josephine as mean and heartless while portraying Elara as a victim and Sebastian as a noble hero. Despite her classmates urging her to respond, Josephine feels numb and refuses to explain, realizing that the truth no longer matters and suspecting Elara is behind the damaging post.
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Chapter 3
That afternoon, I had no classes scheduled, so I decided to visit a bank downtown. The city streets were busy, but the cool air inside the bank was a welcome relief from the summer heat.
I held two cards in my name. One was a supplementary card my dad had given me for my monthly allowance. The other belonged to my mom.
As soon as I stepped into the VIP lounge, my phone buzzed. It was the bank manager calling.
“Miss Caldwell, your father just contacted us to freeze your supplementary card ending in 8888,” the manager informed me calmly.
I wasn’t shocked by the news. It was such a typical move from Dad—to cut off my funds and force me to come back begging.
“Understood,” I replied coolly.
“And what about the other card?” I asked, curiosity creeping in.
The manager’s tone shifted, growing more respectful. “Miss Caldwell, the Black Card that your mother left you has the highest clearance level. Only you can access it. The current balance is…” He listed off a number so large it almost made me laugh silently to myself.
It was more than enough to live comfortably for the rest of my life.
“Thank you,” I said, ending the call.
Without hesitation, I transferred a significant amount from the Black Card to my everyday savings account. It felt like a small victory, a reminder that I wasn’t completely powerless.
As I stepped outside the bank, my phone buzzed again. A text from Julian.
“Dad froze your card. When you’re broke and starving, come home and apologize. Stop being a brat.”
Annoying as always.
Later that evening, a message popped up on Instagram from Elara.
“Josephine, please don’t be mad at Dad and your brothers anymore. They’re just worried about you. Where are you right now? I can have Sebastian come pick you up and bring you home, okay?”
Attached was a photo of our living room. There they were—Dad, Connor, Julian, and Elara—gathered around the coffee table, laughing and sharing fruit. Elara was leaning against Dad’s side, grinning as if she’d just won the lottery.
On the table sat an open gift box. Inside was the latest gaming console—the very one Connor had promised to buy me last week.
Now it belonged to her.
I smirked and quickly typed back, “Oh wow, thanks SO much!”
The next day, I went to class as if nothing had happened. But the moment I stepped into the room, I sensed something was wrong.
All eyes were on me.
My desk mate, a girl I usually got along with, leaned over hesitantly.
“Josephine… have you seen the forum post?”
I pulled out my phone and opened the campus forum. Right at the top, a pinned thread glowed red.
[MAJOR TEA! Josephine breaks up with Sebastian out of jealousy over him helping new transfer student, then MOVES OUT in the middle of the night!]
The post painted a vivid, twisted picture of the gala night. I was the villain—jealous, petty, and overly dramatic. Dara was the innocent victim—sweet, helpless, and deserving of sympathy. Sebastian was the noble hero, sacrificing his relationship to help a friend’s daughter.
Attached were photos: Elara crying backstage, devastated; Sebastian on his phone, looking frantic; and me walking away, my back turned to the camera. The angle made me seem cold and heartless.
Comments had already flooded in by the hundreds.
“I always knew Josephine was mean. Guess this proves it.”
“Poor Sebastian. What a nightmare girlfriend.”
“Feel so bad for Elara. She just got here and is already being bullied.”
“Wait, isn’t she staying at Josephine’s house? Yikes. She’s going to get it now.”
My desk mate whispered, “Josephine, shouldn’t you say something? You can’t just let them trash you like this.”
My nails dug into my palms, and for a fleeting moment, I wanted to hunt down whoever posted that and tear them apart.
But the anger faded quickly, replaced by a hollow numbness.
I slipped my phone away, my voice flat and emotionless. “There’s nothing to explain.”
The truth didn’t matter anymore.
People only believed what they wanted to believe.
And as for who posted those perfectly timed photos? I didn’t have to guess.
Who else but Elara?
Conclusion
This chapter poignantly captures Josephine’s growing isolation and the deepening rift within her family. Despite her financial independence symbolized by the Black Card, the emotional wounds inflicted by her father’s rejection and Elara’s betrayal weigh heavily on her. The public humiliation on the campus forum underscores the painful reality that truth is often overshadowed by perception, leaving Josephine to grapple with feelings of anger, numbness, and helplessness.
Yet, beneath the surface of this turmoil lies a quiet resilience. Josephine’s decision to carry on with her day, even as whispers and judgments swirl around her, hints at an inner strength waiting to emerge. The chapter delicately explores themes of trust, misunderstanding, and the complicated ties of family, reminding us that healing is a process, often marked by painful moments before clarity and peace can be found.
What to Expect in Next Chapter?
Next chapter promises to delve deeper into the tangled web of family tensions and public perception that Josephine now faces. The fallout from the forum post will likely intensify, forcing her to confront not only the harsh judgments of her peers but also the betrayals within her own circle. Emotions are bound to run high as Josephine grapples with feelings of isolation and the sting of being misunderstood, while the true motives behind Elara’s actions begin to surface.
As Josephine navigates this storm, the fragile alliances and rivalries within her family will come into sharper focus. The dynamics between her, Elara, and the rest of the Caldwell family are poised to shift, revealing hidden resentments and unspoken fears. Readers can expect a mix of confrontation and introspection, as Josephine’s resilience is tested and she must decide where her loyalties truly lie. The next chapter will be a crucial turning point, setting the stage for revelations that could either heal old wounds or deepen the divide.

Sara Lili is a daring romance writer who turns icy landscapes into scenes of fiery passion. She loves crafting hot love stories while embracing the chill of Iceland’s breathtaking cold.