a job.
More out of disgust than anything else he had not just given him one but had made the couple a private, non-repayable ‘loan.’ He could still remember the avaricious look he had seen in his ex-wife’s eyes as she’d looked around the new house he had just moved into, assessing the worth of the property, of the man who could have been hers.
Small wonder, perhaps, that she had had the gall to dare to come on to Ward behind her new husband’s back, claiming that she had loved him all along and that their divorce, her desertion of him, had been an aberration, a silly mistake. Even if he’d had the misfortune to still love her, which fortunately he did not, Ward would not have taken her back. It was in his genes, his tough northern upbringing and inheritance, to prize loyalty and honesty above all else.
Their marriage was dead, he had told her starkly, and so too was whatever emotion he had once felt for her.
He hadn’t seen her since, nor had he wished to do so, and since then he had opted for a woman-free lifestyle, but that of course did not mean that he didn’t have his problems, and he was being confronted with one of them right now.
When Ritchie had won a place at Oxford, Ward had proudly and willingly offered to finance him. Ritchie was, after all, his half-brother, his family, and Ward himself could never forget the help and support his stepfather had given him when he was first getting started.
His parents, their parents, were retired now, his stepfather, older than their mother by nearly fifteen years, in poor health, suffering from a heart condition, which meant that he had to live as quietly as possible, without any stress. Which was why...
‘Why the hell didn’t you tell me you needed more money?’ he reiterated to Ritchie explosively now.
‘You’d already given me so much,’ Ritchie repeated. ‘I just couldn’t—didn’t...’
‘But for God’s sake, Ritchie, surely your intelligence, your common sense must have told you that the whole thing was a scam? No one, but no one, pays that kind of interest or gets that kind of return. Why the hell do you think they were using the small ads?’
‘It just seemed to be the answer to my problem,’ Ritchie told him. ‘I had the five thousand that you’d given me in the bank, and if it could be turned into virtually ten in a matter of months and I could get a holiday job as well...’ He stopped uncomfortably as he saw the way Ward was shaking his head and looking skyward in obvious angry disbelief.
‘It seemed such a good idea,’ he insisted defensively. ‘I had no idea...’
‘You’re dead right you didn’t,’ Ward agreed grimly. ‘No idea whatsoever. You should have come to me instead... Tell me again just what happened,’ he instructed his half-brother.
Ritchie took a deep breath.
‘There was an ad in one of those free news sheet things. I just happened to pick it up. I forget where. It said that anyone interested in seeing real growth and profit on their capital should apply to a box number they quoted for more details.’
‘A box number.’ Ward raised his eyes skyward a second time. ‘So you, with the common sense of a lemming, applied.’
‘It seemed such a good idea,’ Ritchie protested again, a hurt look in his eyes. ‘And I just thought...Well, Dad’s always going on about how lucky I am to have you behind me, helping me, financing me. How he and Mum couldn’t have afforded to give me any help to go up to Oxford and the fact that I don’t have to finance myself with part-time work means that I’m free to study properly, and sometimes that makes me feel...Well, I hate thinking that Dad’s comparing me to you and finding me wanting and that my classmates reckon I’m spoiled rotten because I’ve got you to bankroll me.’
Ritchie found wanting? Ward’s frown deepened. He admired and respected his stepfather, yes, and loved him too, but he had always been sensitively conscious of how far short he must fall of the kind of ideals on which his gentle, unmaterialistic stepfather had founded his life.
‘Anyway,’ Ritchie continued, ‘eventually I had a phone call from this chap and he told me what to do—said that I should send him a cheque for five thousand pounds and that he’d send me a receipt and a monthly statement showing the value of my investment. He also said he’d send me a portfolio listing where my money had been invested.’
‘And did he, by any chance, also tell you just how he was able to offer such a reality-defying rate of growth and profit on this investment?’ Ward enquired with awful ominous calm.
‘He said it was because he cut out the middle man and that due to all the changes going on in certain overseas markets there were good opportunities there for those who knew the markets to make a real killing...’
‘Indeed, and he, out of sheer generosity, intended to share that knowledge with anyone who happened to respond to his ad. Was that it...?’
‘I...Ididn’t enquire into his motivation,’ Ritchie responded with desperate dignity and a betrayingly flushed face.
‘Oh, I know I ought to have done, but Professor Cummins had just told me that if I took this extra year out to get an additional qualification in the US, then I’d have a much better chance of success if I ever decided I wanted to apply for a fellowship over here, and he had just asked me to do some research for him for a series of lectures he was giving in America. God knows why he chose me. My grades...’
‘He chose you for very much the same reason that our enterprising entrepreneur and financial crook chose you, Ritchie,’ Ward told him with cool sarcasm before prodding his half-brother.
‘So, to continue, you paid over the five thousand pounds you had in your bank account, and then what?’
‘Well, for the first two months everything went well. I got statements showing an excellent return on the investment, but then the third month I didn’t receive a statement, and when I eventually rang the number I’d been given I was told that it was unobtainable.’
He looked so perplexed that in any other circumstances Ward, who had a good sense of humour, would have been tempted to laugh a little at his naivety, but this was no laughing matter. This was a young man who had been deliberately and cold-bloodedly relieved of five thousand pounds by as shrewd a fraudulent operator as Ward had ever come across, and he had met his fair share of the breed in his time, although needless to say none of them had ever taken him in.
‘How surprising,’ was the only comment he allowed himself to make.
Ritchie raised stricken eyes to his and muttered, ‘I know. I know what you’re thinking but...Well, at first I just thought it was a mistake. I wrote to the address on the statements but my letter came back “address unknown” and since then...’
‘Since then your friendly investment manager has proved that it isn’t just money he can magic away into thin air?’ Ward suggested dryly.
‘I really am sorry, Ward, but I...I had to tell you...I haven’t even got enough money left to cover myself this term now, never mind next, and...’
‘How much is it going to cost you to pay for the rest of your year’s living and studying expenses?’ Ward asked him point-blank.
Reluctantly Ritchie told him.
‘And how much for your year in the US? And I want the full
