Chapter X.
Plenary Absolutions

The letter which Miss Mackenzie received was from old Mr Slow, her lawyer; and it was a very unpleasant letter. It was so unpleasant that it made her ears tingle when she read it and remembered that the person to whom special allusion was made was one whom she had taught herself to regard as her friend. Mr Slow’s letter was as follows:

7 Little St Dunstan Court,

April, 186—.

Dear Madam,

I think it proper to write to you specially, about the loan made by you to Messrs Rubb and Mackenzie, as the sum lent is serious, and as there has been conduct on the part of some one which I regard as dishonest. I find that what we have done in the matter has been regulated rather by the fact that you and Mr Mackenzie are brother and sister, than by the ordinary course of such business; and I perceive that we had special warrant given to us for this by you in your letter of the 23rd November last; but, nevertheless, it is my duty to explain to you that Messrs Rubb and Mackenzie, or,—as I believe to be the case, Mr Samuel Rubb, junior, of that firm,—have not dealt with you fairly. The money was borrowed for the purpose of buying certain premises, and, I believe, was laid out in that way. But it was borrowed on the special understanding that you, as the lender, were to have the title-deeds of that property, and the first mortgage upon them. It was alleged, when the purchase was being made, that the money was wanted before the mortgage could be effected, and you desired us to advance it. This we did, aware of the close family connection between yourself and one of the firm. Of course, on your instruction, we should have done this had there been no such relationship, but in that case we should have made further inquiry, and, probably, have ventured to advise you. But though the money was so advanced without the completion of the mortgage, it was advanced on the distinct understanding that the security proffered in the first instance was to be forthcoming without delay. We now learn that the property is mortgaged to other parties to its full value, and that no security for your money is to be had.

I have seen both Mr Mackenzie and Mr Rubb, junior. As regards your brother, I believe him to have been innocent of any intention of the deceit, for deceit there certainly has been. Indeed, he does not deny it. He offers to give you any security on the business, such as the stock-in-trade or the like, which I may advise you to take. But such would in truth be of no avail to you as security. He, your brother, seemed to be much distressed by what has been done, and I was grieved on his behalf. Mr Rubb,—the younger Mr Rubb,—expressed himself in a very different way. He at first declined to discuss the matter with me; and when I told him that if that was his way I would certainly expose him, he altered his tone a little, expressing regret that there should be delay as to the security, and wishing me to understand that you were yourself aware of all the facts.