Weyman Stanley John
Ovington's Bank
CHAPTER XXXIII
Travelling in the old coaching days was not all hardship. It had its own, its peculiar pleasures. A writer of that time dwells with eloquence on the rapture with which he viewed a fine sunrise from the outside of a fast coach on the Great North Road; on the appetite with which he fell to upon a five o'clock breakfast at Doncaster, on the delight with which he heard the nightingales sing on a fine night as he swept through Henley, on the satisfaction of seeing old Shoreditch Church, which betokened the end of the journey. Men did not then hurry at headlong speed along iron rails, with their heads buried in a newspaper or in the latest novel. They learned to know and had time to view the objects of interest that fringed the highway-to recognize the farm at which the Great Durham Ox was bred, and the house in which the equally great Sir Isaac Newton was born. If these things were strange to the travellers and their appearance promised a good fee, the coachman condescended from his greatness and affably pointed them out.
But to sit through the long winter night, changing each hour from one damp and musty post-chaise to another, to stamp and fume and fret while horses were put to at every stage, to scold an endless succession of incoming and fee an endless series of out-going postboys, each more sleepy and sullen than the last-this was another matter. To be delayed here and checked there and overcharged everywhere, to be fobbed off with the worst teams-always reserved for night travellers-and to find, once started on the long fourteen-mile stage, that the off-wheeler was dead lame, to fall asleep and to be aroused with every hour-these were the miseries, and costly miseries they were, of old-world journeying. This was its seamy side. And many a time Clement, stamping his stone-cold feet in wind-swept inn yards, or ringing ostlers' bells in stone-paved passages, repented that he had started, repented that he had ever undertaken the task.
Why had he, he asked himself more than once that bitter night. What was Arthur Bourdillon to him that he should spend himself in an effort as toilsome as it promised to be vain, to hold him back from the completion of his roguery? Would Arthur ever thank him? Far from it. And Josina? Josina, brave, loving Josina, who had risen to heights of which he thrilled to think, she might indeed thank him-and that should be enough for him. But what could she do to requite him, apart from her father? And the Squire at Garth had stated his position, nor even if he relented was he one to pour himself out in gratitude-he who hated the name of Ovington, and laid all this at their door. It would be much if he ever noticed him with more than a grunt, or ever gave one thought to his exertions or their motive.
No, he had let a quixotic, a foolish impulse run away with him! He should have waited until Arthur had brought down the money, and then he should have returned it. That had been the simple, the matter-of-fact course, and all that it had been incumbent on him to do. As it was, for what was he spending himself and undergoing these hardships? To hasten the ruin of the bank, to meet failure half-way, to render his father penniless a few hours earlier, rather than later. To mask a rascality that need never be disclosed, since no one would hear of it unless the Squire talked. Yes, he had been a fool to hurl himself thus through the night, chilled to the bone, with fevered head and ice-cold feet, when he might have been a hundred times better employed in supporting his father in his need, in putting a brave front on things, and smiling in the face of suspicion.
To be sure, it was only as the night advanced, or rather in the small hours of the morning, when his ardor had died down and Josina's pleading face was no longer before him, and the spirit of adventure was low in him, that he entertained these thoughts. For a time all went well. He found his relay waiting for him at the Heygate Inn by Wellington, where the name of the Lion was all-powerful; and after covering at top speed the short stage that followed, he drove, still full of warmth and courage, into Wolverhampton at a quarter before eleven. Over thirty miles in three hours! He met with a little delay there; the horses had to be fetched from another stable, in another street. But he got away in the end, and ten minutes later he was driving over a land most desolate by day, but by night lurid with the flares of a hundred furnace-fires. He rattled up to the Castle at Birmingham at half an hour after midnight, found the house still lighted and lively, and by dint of scolding and bribing was presently on the road again with a fresh team, and making for Coventry, with every inclination to think that the difficulties of posting by night had been much exaggerated.
But here his good luck left him. At the half-way stage he met with disaster. He had passed the up coach half an hour before, and no orders now anticipated him. When he reached the Stone Bridge there were no horses; on the contrary, there were three travellers waiting there, clamorous to get on to Birmingham. Unwarily he jumped out of his chaise, and "No horses?" he cried. "Impossible! There must be horses!"
But the ostler gave him no more than a stolid stare. "Nary a nag!" he replied coolly. "Nor like to be, master, wi' every Quaker in Birmingham gadding up and down as if his life 'ung on it! Why, if I've-"
"Quakers? What the devil do you mean?" Clement cried, thinking that the man was reflecting on him.
"Well, Quakers or drab-coated gentry like yourself!" the man replied, unmoved. "And every one wi' pistols and a money bag! Seems that's what they're looking for-money, so I hear. Such a driving and foraging up and down the land these days, it's a wonder the horses' hoofs bean't worn off."
"Then," said Clement, turning about, "I'll take these on to Meriden."
But the waiting travellers had already climbed into the chaise and were in possession, and the postboy had turned his horses. And, "No, no, you'll not do that," said the ostler. "Custom of the road, master! Custom of the road! You must change and wait your turn."
"But there must be something on," Clement cried in despair, seeing himself detained here, perhaps for the whole night.
"Naught! Nary a 'oof in the yard, nor a lad!" the man replied. "You'd best take a bed."
"But when will there be horses?"
"Maybe something'll come in by daylight-like enough."
"By daylight? Oh, confound you!" cried Clement, enraged. "Then I'll walk on to Meriden."
"Walk? Walk on to-" the ostler couldn't voice his astonishment. "Walk?"
"Ay, walk, and be hanged to you!" Clement cried, and without another word plunged into the darkness of the long, straight road, his bag in his hand. The road ran plain and wide before him, he couldn't miss it; the distance, according to Paterson, which he had in his handbag, was no more than two miles, and he thought that he could do it in half an hour.
But, once away, under the trees, under the midnight sky, in the silence and darkness of the country-side, the fever of his spirits made the distance seem intolerable. As he tramped along the lonely road, doubtful of the wisdom of his action, the feeling of strangeness and homelessness, the sense of the uselessness of what he was doing, grew upon him. At this rate he might as well walk to London! What if there were no horses at Meriden? Or if he were stayed farther up the road? He counted the stages between him and London, and he had time and enough to despair of reaching it, before he at last, at a good four miles an hour, strode out of the night into the semicircle of light which fell upon the road before the Bull's Head at Meriden. Thank heaven, there were lights in the house and people awake, and some hope still! And more than hope, for almost before he had crossed the threshold a sleepy boots came out of the bar and met him, and "Horses? Which way, sir? Up? I'll ring the ostler's bell, sir!"
Clement could have blessed him. "Double money to Coventry if I leave the door in ten minutes!" he cried, taking out his watch. And ten minutes later-or in so little over that time as didn't count-he was climbing into a chaise and driving away: so well organized after all-and all defects granted-was the posting system that at that time covered England. To be sure, he was on one of the great roads, and the Bull's Head at Meriden was a house of fame.
He had availed himself of the interval to swallow a snack and a glass of brandy and water, and he was the warmer for the exercise and in better spirits; pluming himself a little, too, on the resolution which had plucked him from his difficulty at the Stone Bridge. But he had lost the greater part of an hour, and the clocks at Coventry were close on three when he rattled through the narrow, twisting streets of that city. Here, early as was the hour, he caught rumors of the panic, and hints were dropped by the night-men in the inn yard-in sly reply, perhaps, to his adjurations to hasten-of desperate men hurrying to and fro, and buying with gold the speed which meant fortune and life to them. Something was said of a banker who had shot himself at Northampton-or was it Nottingham? – of London runners who had passed through in pursuit of a defaulter; of a bank that had stopped, "up the road." "And there'll be more before all's over," said his informant darkly. "But it's well to be them while it lasts! They've money to burn, it seems."
Clement wondered if this was an allusion to the crown piece that he had offered. At any rate the ill-omened tale haunted him as he left the city behind him, and, after passing under the Cross on Knightlow Hill, and over the Black Heath about Dunsmoor, committed himself to the long, monotonous stretch of road that, unbroken by any striking features, and regularly dotted with small towns that hardly rose above villages, extended dull mile after dull mile to London. The rumble of the chaise and the exertions he had made began to incline him to sleep, but the cold bit into his bones, his feet were growing numb, and as often as he nodded off in his corner he slid down and awoke himself. Sleet, too, was beginning to fall, and the ill-fitting windows leaked, and it was a very morose person who turned out in the rain at Dunchurch.
However, luck was with him, and he got on without delay to Daventry, and had to be roused from sleep when his postboy pulled up before the famous old Wheat-sheaf that, wakeful and alight, was ready with its welcome. Here cheerful fires were burning and everything was done for him. A chaise had just come in from Towcester. The horses' mouths were washed out while he swallowed a crust and another glass of brandy and water, the horses were turned round, and he was away again. He composed himself, shivering, in the warmer corner, and, thanking his stars that he had got off, was beginning to nod, when the chaise suddenly tilted to one side and he slid across the seat. He sat up in alarm and felt the near wheels clawing at the ditch, and thought that he was over. A moment of suspense, and through the fog that dimmed the window-panes flaming lights blazed above him and over him, and the down mails thundered by, coach behind coach-three coaches, the road quivering beneath them, the horses cantering, the guards replying with a volley of abuse to the postboy's shout of alarm. Huge, lighted monsters, by night the bullies of the road, they were come and gone in an instant, leaving him staring with dazzled eyes into the darkness. But the shave had not bettered his temper. The stage seemed a long one, the horses slow, and he was fretting and fuming mightily, and by no means as grateful as he should have been for the luck that had hitherto attended him, when at last he jogged into Towcester.
Alas, the inn here was awake, indeed, in a somnolent, grumpy, sullen fashion, but there were no horses. "Not a chance of them," said the sleepy boots, nicking a dirty napkin towards the coffee room. "There are two business gents waiting there to get on-life and death, 'cording to them. They're going up same way as you are, and they've first call. And there's a gentleman and his servant for Birmingham-down, they are, and been waiting since eleven o'clock and swearing tremendous!"
"Then I'll take mine on!" Clement said, and whipped out into the night and ran to his chaise. But he was too late. The gentleman's servant had been on the watch, he had made his bargain and stepped in, and his master was hurrying out to join him. "The devil!" cried Clement, now wide awake and very angry. "That's pretty sharp!"
"Yes, sir, sharp's the word," said the boots. It was evident that night work had made him a misanthrope, or something else had soured him. "They'd be no good for Brickhill anyway. It's a long stage. You'll take a bed?"
"Bed be hanged!" said Clement, wondering what he should do. This seemed to be a dead stop, and very black he looked. At last, "I'll go to the yard," he said.
"There's nobody up. You'd best-" and again the boots advised a bed.
"Nobody up? Oh, hang it!" said Clement, and stood and thought, very much at a standstill. What could he do? There was a clock in the passage. He looked at it. It was close on six, and he had nearly sixty miles to travel. Save for the delay at the Stone Bridge, he had done well. He had kept his postboy up to the mark: he had spared neither money nor prayers, nor, it must be added, curses. He had done a very considerable feat, the difficulties of night porting considered. But he had still fifty-eight miles before him, and if he could not get on now he had done nothing. He had only wasted his money. "Any up coach due?"
"Not before eight o'clock," said the boots cynically. "Beaches the Saracen's Head, Snowhill, at three-thirty. You are one of these moneyed gents, I suppose? Things is queer in town, I hear-crashes and what not, something terrible, I am told. Blue ruin and worse. The master here" – becoming suddenly confidential-"he's in it. It's U-p with him! They seized his horses yesterday. That's why-" he winked mysteriously towards the silent stables. "Wouldn't trust him, and couldn't send a bailiff with every team. That's why!"
"Who seized them?" Clement asked listlessly. But he awoke a second later to the meaning of his words.
"Hollins, Church Farm yonder. Bill for hay and straw. D'you know him?"
"No, but-here! D'you see this?" Clement plucked out a crown piece, his eyes alight. "Is there a postboy here? That's the point! Asleep or awake! Quick, man!"
"A postboy? Well, there's old Sam-he can ride. But what's the use of a postboy when there's no horses?"
"Wake him! Bring him here!" Clement retorted, on fire with an idea, and waving the crown piece. "D'you hear? Bring him here and this is yours. But sharp's the word. Go, go and get him, man, it will be worth his while. Haul him out! Tell him he must come! It's money, tell him!"
The boots caught the infection and went, and for three or four minutes Clement stamped up and down in a fever of anxiety. By and by the postboy came, half dressed, sulky, and rubbing his eyes. Clement seized him by the shoulders, shook him, pounded him, pounded his idea into him, bribed him. Five minutes later they were hurrying towards the church, passing here and there a yawning laborer plodding through the darkness to his work. The farmer at Hollins's was dressing, and opened his window to swear at them and at the noise the dogs were making. But, "Three pounds! Three pounds for horses to Brickhill!" Clement cried. The proper charge was twenty-six shillings at the eighteen-penny night scale, and the man listened. "You can come with me and keep possession!" Clement urged, seeing that he hesitated. "You run no risk! I'll be answerable."
Three pounds was money, much money in those days. It was good interest on his unpaid bill, and Mr. Hollins gave way. He flung down the key of the stables, and hurrying down after it, helped to harness the horses by the light of a lanthorn. That done, however, the good man took fright at the novelty, almost the impudence of the thing, and demanded his money. "Half now, and half at Brickhill," Clement replied, and the sight of the cash settled the matter. Mr. Hollins opened the yard gate, and two minutes later they were off, the farmer's wife staring after them from the doorway and, with a leaning to the safe side, shrilly stating her opinion that her husband was a fool and would lose his nags.
"Never fear," Clement said to the man. "Only don't spare them! Time is money to me this morning!"
Fortunately, the horses had done no work the previous day and had been well fed. They were fresh, and the old postboy, feeling himself in luck, and exhilarated by what he called "as queer a start as ever was," was determined to merit the largest fee. The farmer, as they whirled down Windmill Hill at a pace that carried them over the ascent and past Plum Park, fidgeted uneasily in his seat, fearing broken knees and what not. But seeing then that the postboy steadied his pair and knew his business, he let it pass. As far as Stony Stratford the road was with them, and thence to Fenny Stratford they pushed on at a good pace.
It was broad daylight by now, the road was full of life and movement, they met and passed other travellers, other chaises, one or two of the early morning coaches. Men, topping and tailing turnips, stood and watched them from the fields, a gleam of December sunrise warmed the landscape. To the tedious nightmare of the long, dark hours, with their endless stages and sleepy turn-outs and shadowy postillions, their yawning inns and midnight meals, had succeeded sober daylight, plodding realities, waking life; and Clement should have owned the relief. But he did not, for a simple reason. During the night the end had been far off and uncertain, a thing not yet to be dwelt upon or considered. Now the end was within sight, a few hours must determine it one way or the other, and his anxiety as the time passed, and now the horses slackened their pace to climb a rise, now were detained by a flock of sheep, centred itself upon it. He had endured so much that he might intercept Arthur before the deed was done and the false transfer used, that to fail Josina now, to be too late now, was a thing not to be considered.
CHAPTER XXXIV
Still, the daylight had one good effect, it completed the reassurance of Mr. Hollins. He could see his man now, and judging him to be good for the money, he gave way to greed and proposed to run the horses on to Dunstable. Clement thought that he might do worse and agreed, merely halting for five minutes at the George at Brickhill, to administer a quart of ale apiece to the nags, and to take one themselves. Then they pressed on to Dunstable, which they reached at half-past eight.
Even so, Clement had still thirty miles to cover. But the postboy, a sportsman with his heart in the game, had ridden in, waving his whip and shouting for horses, and his good word spread like magic. Two minutes let the yard know that here was a golden customer, an out-and-outer, and almost before Clement could swallow a cup of scalding coffee and pocket a hot roll he had wrung the farmer's hand, fee'd old Sam to his heart's content, and was away again, on the ten-mile downhill stage to St. Albans. They cantered most of the way, the postboy's whip in the air and the chaise running after the horses, and did the distance triumphantly in forty-three minutes. Then on, with the reputation of a good paymaster, to Barnet-Barnet, that seemed to be almost as good as London.
Luck could not have stood by him better, and, now the sun shone, they raced with taxed-carts, and flashed by sober clergymen jogging along on their hacks. The midnight shifts to which he had been put, the despairing struggle about Meriden and Dunchurch, were a dream. He was in the fairway now, though the pace was not so good, and the hills, with windmills atop, seemed to be set on the road at intervals on purpose to delay him. Still he was near the end of his journey, and he began to consider all the alternatives to success, all the various ways in which he might yet fail. He might miss Bourdillon; he began to be sure that he would miss him. Either he would be at the India Office when Bourdillon was at the brokers', or at brokers' when he was at the India Office; and, failing the India Office or the brokers', he had no clue to him. Or his quarry would have left town already, with the treasure in his possession. Or they might pass one another in the streets, or even on the road. He would be too late and he would fail, after all his exertions! He began to feel sure of it.
Yes, he had certainly been a fool not to think at starting of the hundred chances, the scores of accidents that might occur to prevent their meeting. And every minute that he spent on the road made things worse. He had had yonder windmill in sight this half-hour-and it seemed no nearer. He fidgeted to and fro, lowered a window and raised it again, scolded the postboy, flung himself back in the chaise.
At the Green Man at Barnet he got sulkily into his last chaise, and they pounded down five miles of a gentle slope, then drove stoutly up the easy ascent to Highgate. By this time the notion that Bourdillon would pass him unseen had got such hold upon him-though it was the unlikeliest thing in the world that Arthur could have got through his business so early-that his eyes raked every chaise they met, and a crowded coach by which they sped, as it crawled up the southern side of the hill, filled him with the darkest apprehensions. Had he given a moment's thought to the state of the market, to the pressure of business which it must cause, and to the crowd, greedy for transfers, in which Arthur must take his turn, he would have seen that this fear was groundless.
However, the true state of things was by and by brought home to his mind. He had directed the postboy to take him direct to the brokers' in the City, and he had hardly exchanged the pleasant country roads of Highbury and Islington, with their villas and cow-farms, for the noisy, dirty thoroughfares of north London, before he was struck by the evidences of excitement that met his eyes. Lads, shouting raucously, ran about the busier streets, selling broadsheets, which were fought for and bought up with greedy haste. A stream of walkers, with their faces set one way, hastened along almost as fast as his post-chaise. Busy groups stood at the street corners, debating and gesticulating. As he advanced still farther, and crossed the boundary and began to thread the narrow streets of the City-it wanted a half hour of noon-he found himself hampered and almost stopped by the crowd which thronged the roadway, and seemed in its preoccupation to be insensible to the obstacles that barred its way and into which it cannoned at every stride. And still, with each yard that he advanced, the press increased. The signs of ferment became more evident. Distracted men, hatless and red-hot with haste, regardless of everything but the errand on which they were bent, sprang from offices, hurled themselves through the press, leaped on their fellows' backs, tore on their way; while those whom they had maltreated did not even look round, but continued their talk, unaware of the outrage. Some pushed through the press, so deep in thought that they saw no one and might have walked a country lane, while others, meeting as by appointment, seized one another, shook one another, bawled in each other's faces as if both had become suddenly deaf. And now and again the whole tormented mass, seething in the narrow lanes or narrower alleys, swayed this way or that under the impulse of some unknown mysterious impulse, some warning, some call to action.
Clement had never seen anything like it, and he viewed it with awe, his ears deafened by the babel or pierced by the shrill cries of the news-sellers who constantly bawled, "Panic! Great panic in the City! Panic! List of banks closed!" He had heard as he changed at Barnet that fourteen houses in the City had shut their doors, but he had not appreciated the fact. Now he was to see with his own eyes shuttered windows and barred doors with great printed bills affixed to them, and huge crowds at gaze before them, groaning and hooting. Even the shops bore singular and striking witness to the crisis, for in Cheapside every other window exhibited a card stating that they would accept bank-notes to any extent and for goods to any amount-a courageous attempt to restore public confidence which deserved more success than it won; while there, and on all sides, he heard men execrating the Bank of England and loudly proclaiming-though this was not the fact-that it had published a notice that it could no longer pay cash.
Here was panic indeed! Here was an appalling state of things! And very low his heart sank, as the chaise made a few yards, stopped, and advanced again. What chance had Ovington's, what hope of survival had their little venture, when the very credit of the country tottered, and here in the heart of London age-long institutions with vast deposits and forty or fifty branches toppled down on all sides? When merchant princes with tens of thousands in sound but unsaleable securities could do nothing to save themselves, and men of world-wide fame, the giants of finance, went humbly, hat in hand, to ask for time?
Stranded, or moving at a snail's pace, he caught scraps of the talk about him. Smith's in Mansion House Street had closed its doors. Everett and Walker's had followed Pole's into bankruptcy. Wentworth's at York had failed for two hundred thousand pounds. Telford's at Plymouth had been sacked by an angry mob. The strongest bank in Norwich was going or gone. The Bank of England had paid out eight millions in gold within the week-and had no more. They were paying in one-pound notes now, a set found God knows where-in the cellars, it was said. The tellers were so benumbed with terror that they could not separate them or count them.
For the moment he forgot Arthur and Arthur's business, and thought only of his father and of their own plight. "We are gone!" he reflected, his face almost as pale as the faces in the street. "We are ruined! There is no hope. When this reaches Aldersbury we must close!" He could no longer bear the inaction. He could not sit still. He paid off the chaise-with difficulty, owing to the press-and pushed forward on foot. But his mind still ran on Aldersbury, was still busy with the fate of their own bank. He felt an immense pity for his father, and recognized that until this moment, when panic in its most dreadful form stared him in the face, he had not realized the catastrophe, or the sadness, or the finality of it. They must close. They must begin the world again, begin it at the bottom, in competition with a multitude of beggared men, three-fourths of whom had never speculated, never touched a share, never left the safe path of industrious commerce, but were now to pay with all they possessed in the world, their daughters' portions and their sons' fortunes, for the recklessness or the extravagance of others.
For a space there was vouchsafed to him the wider vision, and he saw the thing that was passing in its true light. He saw the wave of ruin spread from these crowded streets ever farther and farther, from city to town and town to country; and where it passed it wrecked homes, it made widows, it swept away the dowries of children, it separated lovers, it overwhelmed the happiness of thousands and tens of thousands. He saw the honest trader, whose father's good name was his glory, broken in heart and fortune through the failure of others, his health shattered, his house sold over his head, his pensioners and dependants flung into the workhouse. He saw deluded parsons doomed to spend the close of their lives in a hopeless wrestle with debt, their sons taken from school, their daughters sent out into a cold and unfeeling world. He saw squires, the little gods of their domain, men once wealthy, doomed to drink themselves into forgetfulness of the barred entail and the lost estate; the great house would be closed, the agent would squeeze the tenants, and they in turn the laborers, until the very village shop would feel the pinch. Thousands upon thousands would lose their hoarded savings, and, too old to begin again, would sink, they and their children and their children's children, into the under-world, there to be lost amid the dregs of the population.
And he and his? Why should they escape? How could they escape? It would be much if they could feel, while they shared the common lot, that they had deserved to escape, that they were not of those whose wild speculations had brought this disaster on their kind.
He had by this time fought his way as far as the end of Cheapside, and here, where the roar was loudest and the contending currents mingled their striving masses, where the voices of the news-boys were shrillest, and the timid stood daunted, while even strong men paused, measuring the human whirlpool into which they must plunge, Clement's eye was caught by a side-scene which was passing in the street hard by the Mansion House. Raised above the crowd on the steps of a large building, a haggard man was making an announcement-but in dumb show, for no word could be heard even by those who stood beside him, and his meaning could be deduced only from his gestures of appeal. The lower windows of the house were shuttered, and the upper exhibited many broken panes; but behind these and the cornice of the roof gleamed here and there a pale frightened face, peering down at the proceedings below. From the crowd collected before the haggard man rose a continuous roar of protest, a forest of menacing hands, shrill cries and curses, and now and again a missile, which, falling absurdly short-for in that press no man could swing his arm-still bore witness to the malice that urged it. Nearer to Clement on the skirts of the throng, where they could see little and were perpetually elbowed by impatient passersby, loitered a few who at a first glance seemed to be uninterested-so apathetic were their attitudes, so absent was their gaze. But a second glance disclosed the truth. They were men whom the tidings of ruin, sudden and unforeseen, had stunned. Spiritless and despairing, seeing only the home they had forfeited and the dear ones they had beggared, they stood in the street, blind and deaf to what was passing about them, and only by the mute agony of their eyes betrayed the truth.
