Kitabı oku: «Chambers's Journal of Popular Literature, Science, and Art, No. 684», sayfa 3
Becky's gratitude to me was even deeper and more enduring than I had expected to find it, and her love – I must have been very different from myself, to deserve such love as Becky's; though I knew that it did her no harm to indulge it.
Lilian who, from my description of past hardships, took great interest in her, and was extremely kind to her, did not, as I took it for granted she would, share with me in Becky's love. Nay, I verily believe that in her allegiance to me, poor Becky was jealous of a rival power. I could not get her to be enthusiastic about even Lilian's beauty. Becky always insisted that it was the pretty dresses which made her look more attractive than I did; and tried to persuade me to endeavour to outvie her. Her staunch friendship did me not a little good. It was especially cheering to me just then to find that I could keep love as well as win it without using any unlawful means.
DECEPTIVE ADVERTISEMENTS
Latterly, the newspapers have brought to light a variety of curious instances of credulous people being imposed on by deceptive advertisements. Human weakness appears to be specially preyed upon by medical pretenders. The practice of medicine without proper qualifications being illegal, the pretender takes care to avoid marked publicity, and works at a distance by way of advertisement.
We may give one or two instances. The illegal practitioner announces his power of curing an ailment by being furnished with a letter describing the symptoms. To this the ailing one receives a gushing reply, written upon showy paper, with embossed address, monogram, crest, and everything calculated to deceive the prey around which the empiric is about to wind his toils, not to be unwound until the uttermost farthing shall have been paid. The patient is informed that his symptoms indicate an unusually deranged state of health, which will necessitate the preparation of special medicines, and for a supply of which a fixed sum is to be immediately forwarded; the writer's conviction being expressed that this one supply will produce all the effect that could be desired; though, should it not, the case must be an obstinate one, and the patient is urged not to lose a day in renewing the supply, and again renewing that, if need be. There are not wanting instances in which these nefarious compounds (of which an average supply lasts about six weeks) have been imbibed several times a day for nine or ten months, the credulity of the consumer evaporating at that stage. And here we may mention that our statements have not had their origin in speculation, certain victims being of our own acquaintance. It is not our province to determine whether or not the trifling ailments referred to are the premonitory symptoms of the more serious maladies turned to advantage by the quack. Apart from our own knowledge on the subject, it is to be presumed that the exaggerated statements rest on some foundation; but we have no hesitation in pronouncing the vast majority of these advertisers to be nothing more than medical highwaymen, and wish that it were in our power by these lines to banish them for ever from the scenes of their abominable extortions and infamous exploits. Almost all of them are amenable to the law even in its present state, as is proved by the late successful prosecution of large batches in Lancashire, one of whom engaged to restore to health his detective-patient in a couple of weeks for the modest sum of forty pounds. But in general their security is undisturbed, and their unlawful operations carried on openly.
Not long since, we encountered an advertisement which purported to emanate from a gentleman who had suffered from polypus in the nose for many years; who had been treated by various medical men without any benefit, but who, after prolonged and intense suffering, obtained permanent relief, having discovered means by which every person so afflicted might cure himself, and which, actuated by feelings of humanity, he desired to make known. For this information – this means of self-cure – there was required nothing save a stamped directed envelope. Having our own ideas respecting such an advertisement, we applied for the recipe, though not nasally afflicted; and received in reply a printed letter, directing application to be made to another person possessed of an extremely high-sounding name, who, Number One declared, had been the instrument under Providence, &c. On application to Number Two we obtained – a pamphlet, with the usual exhortations to lose not a moment in forwarding a sum considerably in excess of a sovereign! At the present time there are quite a number of such advertisements to be seen; some of them are even published in the falsely assumed names of clergymen, who are prompted by feelings of humanity, &c., and contain disclaimers of any connection with quacks or quackery of any kind.
The advertisements of those private parties who profess to be systematic money-lenders are of two kinds – the one from those who do lend; and the other from those who do not. The former are almost universally deceptive; the latter, of course unquestionably fraudulent. The advertisements of those who do lend, addressed to certain specified classes, almost without exception contain assertions which the borrower will find abundant reason to doubt ere the loan is completed. On application the needy unfortunate will be puzzled to reconcile the terms named to him with those in the alluring advertisement, and will find the rate of interest to be truly 'six per cent. and upwards,' fifty per cent. being no uncommon demand, in addition to expenses incident to and deducted from the loan, and which, the applicant is usually informed, are necessitated by the existence of some special risk in his particular case.
To those who pretend to lend, but who do not, we shall now proceed to devote a little more attention. They are seldom found associated as a company; but for reasons of their own, most of them prefer to sail under amalgamated colours. Their advertisements are always more alluring than those of the usurers whose occupation they counterfeit. Those who require temporary confidential accommodation are informed that they can obtain the same by application to A. B. C. & Co., without the inconvenience of inquiries or sureties, on security of furniture, &c., or on personal security – at a small extra-risk-premium. Distance no object. Or occasionally it is varied by the falsehood that no preliminary fees or office expenses of any kind are charged. But when this stage of the transaction has been reached, the dupe always learns that these payments are dispensed with only in the cases of certain classes, to none of which, it is scarcely necessary to add, he is fortunate enough to belong.
The profits of those who do not lend are derived solely from booking fees, office expenses, and charges for the sham inquiry, which always, of course, is of so unsatisfactory a nature that the 'loan' cannot be granted.
We were recently informed by a casual acquaintance, that some time ago, when in reduced circumstances, occasioned by various losses, he resolved to obtain a loan of forty pounds, and for that purpose made his way to the office indicated in a very attractive advertisement. He found the advertiser occupying, as offices, two apartments in a dingy building used by various persons in a similar capacity. A single clerk represented the entire staff in the outer office. Within was an old oily-looking individual, whose get-up was quite in keeping with the wretched surroundings. His red face beamed with apparent pleasure as he beckoned his impecunious visitor to a chair. After having stated that he could give the security of his furniture (value for many times the amount he required), replied to a number of queries, and paid over two shillings and sixpence, the applicant was handed a form, to be taken home, filled up, and returned to the office, when the application would be considered. On suggesting that he should fill the form just then, urging his anxiety to obtain the loan as soon as possible, he was informed that, if received the following morning, it would be quite time enough, as the principal himself (just then absent) must first consider it.
The form contained a number of questions, one incorrect answer to which, a note informed the applicant, would invalidate the entire transaction. Another note furnished a scale of inquiry fees, in pursuance of which he inclosed with the form an ill-afforded seventeen shillings and sixpence. The receipt of this was acknowledged, and his suspense began. After about a fortnight of anxiety, during which he had several interviews with the aforesaid clerk (the principal being always absent), and had parted with an additional five shillings in payment of the legal document incident to the loan, the applicant received by post the gratifying intelligence that, as the result of the inquiries had proved unsatisfactory, Mr P. Q. regretted to have to inform him that the negotiations must be considered at an end. No further explanation was given; but the disappointed applicant resolved to obtain more explicit information. He called at the office, and learned from the clerk, who at first feigned ignorance of his person, that Mr X. Y. the man of business had just gone out. 'Was the principal in or at home?' brought the response: 'Neither: he is expected back this evening.' Another visit had a similar result; but while requesting to know the time of their return, he observed the clerk reach for a ruler which, rolling along the desk from him, fell heavily on the floor; and the visitor remembered with suspicion that a similar accident had occurred on the occasion of his previous visit. Having informed the scribe of his determination to see the principal or his manager, Mr O. took his departure. Next day he called again. Mr X. Y. was in, but engaged, and likely to be so for a considerable time. The clerk was again sufficiently awkward to let the ruler fall. The visitor, despite the endeavours of the clerk to dissuade him, persisted in remaining. After a while, the clerk, with a remark to the effect that he would mention Mr O.'s presence, knocked at the inner door, opened it, and vanished through. Presently he returned, apologising. The manager was alone. The gentleman who was with him must have passed out while the unobservant clerk was writing or calculating, or both. Just then Mr X. Y. himself appeared, expressing his regret, firstly in relation to the clerk's mistake; secondly, regarding the falling through of the negotiations, consequent on the receipt of a certain letter. In reply to Mr O.'s request to be permitted to see the letter, or even to be informed who was the writer of the unsatisfactory tidings, he was told that such would be a flagrant breach of faith with the correspondent, and so contrary to the practice of the profession, that Mr X. Y. could not possibly take upon himself to do so in the absence of the principal. As the conversation progressed blandness disappeared, the manager's red face assumed a redder aspect; and the visit was terminated by Mr O. being ordered out of the office – a command with which, under the circumstances, he could do nothing but comply.
This is the case as we remember having been told it; and our informant stated that, from further inquiries, he had no doubt the object of this advertiser was other than the lending of the needful. Few men, especially those who appear in comfortable circumstances, care to trumpet their poverty to the world; and this alone, we believe, prevented Mr O. from instituting proceedings against the swindling sham-manager and his accomplice.
Another class of deceptive advertisements are those offering remunerative employment to all persons without hinderance to present business, &c. We write of the class, and do not affirm that there are no exceptions. Generally the sum stated to be very easily earned is a tempting one to the class of people for whom it is intended. They send half-a-dozen or a dozen stamps, as requested, receive a reply, and then forward six or ten or sometimes twenty shillings in the nature of security, obtaining in return some articles of insignificant value for sale on commission. We have been informed that on one occasion the articles so sent were a few pencil-cases and trifles of like nature, by selling which, our informant stated, a very persevering man might realise one-fifth the income mentioned in the advertisement.
It is not often that the person defrauded finds himself amusingly hoaxed in addition; in this position, however, was the person who, reading an advertisement of a certain means of earning thirty shillings a day, which any one sending three stamps would be put in possession of, remitted them, and obtained the advice: 'Sell a ton of sugar a day at five per cent.'
We have seen that quacks, sham-usurers, &c. owing to the nature of their transactions, are generally safe from legal proceedings by any of their victims, who naturally are averse to appear before their friends and the public in such matters.
Some will suggest that the laws should be so amended as to punish severely persons guilty of the varieties of imposition we mention. We have no objection to such a remedy being sought for; but the best of all preservatives against flagrant attempts at imposition, is the exercise of a little shrewd common-sense, and, in time of need, an application to a legitimate quarter.
