men avail themselves of the credit, or the ultimate responsibility of the giddy and thoughtless young spendthrift in his eager pursuit of criminal pleasures, and under the influence of those allurements, which the various places of fashionable resort hold out; and seldom fail to obtain from them securities and obligations for large sums; upon the credit of which they are enabled, perhaps at usurious interest, to borrow money or discount bills, and thus supply their unfortunate customers upon the most extravagant terms.
“There are others, who having some capital, advance money upon bonds, title-deeds, and other specialties, or tipon the bond of the parties having property in reversion. By these and other devices, large sums of money are most unwarrantably and illegally wrested from the dissipated and the thoughtless; and misery and distress are perhaps entailed upon them as long as they live, or they are driven by the prospect of utter ruin to acts of desperation or the commission of crimes.
“It generally happens upon application to the advertising party, that he, like Moses in The School for Scandal, is not really in possession of any money himself, but then he knows where and how to procure it from a very unconscionable dog, who may, perhaps, not be satisfied with the security ottered; yet, if you have Bills at any reasonable date, he could get them discounted. If you should suffer yourself to be trick'd out of any Bills, he will contrive, in some way or other, to negotiate them—not, as he professes, for you, but for himself and his colleagues; and, very likely, after you have been at the additional expense of commencing a suit at law against them, they have disappeared, and are in the King's Bench or the Fleet, waiting there to defraud you of every hope and expectation, by obtaining their liberty through the White-washing Act.
“These gentry are for the most part Attorneys or Pettifoggers, or closely connected with such; and notwithstanding all legal provisions to preclude them from exacting large sums, either for their agency and introduction, or for the bonds which they draw, yet they contrive to bring themselves home, and escape detection, by some such means as the following:
“They pretend that it is necessary to have a deed drawn up to explain the uses of the Annuity-bond, which the grantor of the money, who is some usurious villain, immediately acknowledges and accedes to; for
“The bond that signs the mortgage pays the shot; so that an Act which is fraught with the best purposes for the protection of the honest, but unfortunate, is in this manner subjected to the grossest chicanery of pettifoggers and pretenders, and the vilest evasions of quirking low villains of the law.
“There is also another species of money-lender, not inaptly termed the Female Banker. These accommodate Barrow-women and others, who sell fruit, vegetables, &c. in the public streets, with five shillings a day (the usual diurnal stock in such cases;) for the use of which for twelve hours they obtain the moderate premium of sixpence when the money is returned in the evening, receiving at this rate about seven pounds ten shillings per year for every five pounds they can so employ. It is however very difficult to convince the borrowers of the correctness of this calculation, and of the serious loss to which they subject themselves by a continuation of the system, since it is evident that this improvident and dissolute class of people have no other idea than that of making the day and the way alike long. Their profits (often considerably augmented by dealing in base money as well as the articles which they sell) seldom last over the day; for they never fail to have a luxurious dinner and a hot supper, with a plentiful supply of gin and porter: looking in general no farther than to keep the whole original stock with the sixpence interest, which is paid over to the female Banker in the evening, and a new loan obtained on the following morning to go to market, and to be disposed of in the same way.
“In contemplating this curious system of banking, or money lending (trifling as it may appear,) it is almost impossible not to be forcibly struck with the immense profits that are derived from it. It is only necessary for one of these sharpers to possess a capital of seventy shillings, or three pounds ten shillings, with fourteen steady and regular customers, in order to realize an income of one hundred guineas per year! So true it is, that one half of the world do not know how the other half live; for there are thousands who cannot have the least conception of the existence of such facts.
“Here comes a Buck of the first cut, one who pretends to know every thing and every body, but thinks of nobody but himself, and of that self in reality knows nothing.
Captain P——is acknowledged by all his acquaintance to be one of the best fellows in the world, and to beat every one at slang, but U——y and A——se. He is the terror of the Charleys, and of the poor unfortunate roofless nightly wanderers in the streets. You perceive his long white hair, and by no means engaging features. Yet he has vanity enough to think himself handsome, and that he is taken notice of on that account; when the attractions he presents are really such as excite wonder and surprise, mingled with disgust; yet he contemplates his figure in the looking-glass with self satisfaction, and asks the frail ones, with a tremulous voice, if, so help them——he is not a good-looking fellow 1 and they, knowing their customer, of course do not fail to reply in the affirmative.
“He is a well known leg, and is no doubt present on this occasion to bet upon the ensuing Epsom races; by the bye his losses have been very considerable in that way. He has also at all times been a dupe to the sex. It is said that Susan B——, a dashing Cyprian, eased his purse of a £500 bill, and whilst he was dancing in pursuit of her, she was dancing to the tune of a Fife; a clear proof she had an ear for music as well as an eye to business. But I believe it was played in a different Key to what he expected; whether it was a minor Key or not I cannot exactly say.
“At a ball or assembly he conceives himself quite at home, satisfied that he is the admiration of the whole of the company present; and were he to give an account of himself, it would most likely be in substance nearly as follows:
“When I enter the room, what a whisp'ring is heard; My rivals, astonish'd, scarce utter a word; “How charming! (cry all; ) how enchanting a fellow! How neat are those small-clothes, how killingly yellow. Not for worlds would I honour these plebs with a smile, Tho' bursting with pride and delight all the while; So I turn to my cronies (a much honour'd few,); Crying, “S—z—m, how goes it?—Ah, Duchess, how do? Ton my life, yonder's B—uf, and Br—ke, and A—g—le, S-ff—d, W—tm—1—d, L—n, and old codger C—ri—le.” Now tho', from this style of address, it appears That these folks I have known for at least fifty years, The fact is, my friends, that I scarcely know one, A mere “façon de parler,” the way of the ton. What tho' they dislike it, I answer my ends, Country gentlemen stare, and suppose them my friends.
But my beautiful taste (as indeed you will guess) Is manifest most in my toilet and dress; My neckcloth of course forms my principal care, For by that we criterions of elegance swear, And costs me each morning some hours of flurry, To make it appear to be tied in a hurry. My boot-tops, those unerring marks of a blade, With Champagne are polish'd, and peach marmalade; And a violet coat, closely copied from B—ng, With a cluster of seals, and a large diamond ring; And troisièmes of buckskin, bewitchingly large, Give the finishing stroke to the “parfait ouvrage.”
During this animated description of the gay personage alluded to, Bob had listened with the most undeviating attention, keeping his eye all the time on this extravagant piece of elegance and fashion, but could not help bursting into an immoderate fit of laughter at its conclusion. In the mean time the crowd of visitors had continued to increase; all appeared to be bustle and confusion; small parties were seen in groups communicating together in different places, and every face appeared to be animated by hopes or fears. Dashall was exchanging familiar nods and winks with those whom lie knew; but as their object was not to buy, they paid but little attention to the sales of the day, rather contenting themselves with a view of the human cattle by which they were surrounded, when they were pleasingly surprised to observe their friend Sparkle enter, booted and spurred.
“Just
