A Girl of the Commune

It was late in the afternoon when Cuthbert received the letter and he at once went to Essex Street. Several clerks were writing in the office. A lad came forward to ask him his business.

"I want to speak for a moment to Mr. Harford."

The lad went up to one of the desks and the clerk came forward.

"I don't know whether you remember me," Cuthbert said, "my name is Hartington."

"I remember you very well, Mr. Hartington, though you are changed a good deal."

"I have had a sharp illness, but I am getting over it now. I particularly wished to speak to you about a matter in connection with my father's affairs. I am staying at the Charing Cross Hotel and should feel very much obliged if, when you leave here, you would come round for a few minutes."

"With pleasure, sir, but I shall not get away till seven."

"That will do very well," Cuthbert said. "I would not have troubled you had it not been important."

A few minutes past seven the clerk was shown into Cuthbert's room. After asking him to take a chair Cuthbert said—

"As you are aware, Mr. Harford, my loss of the Fairclose estates arose from the unfortunate circumstances of my father having taken a few shares in the Abchester and County Bank. The matter has always been a puzzle to me. I have been abroad for the last eighteen months, and now, having returned, am anxious to get to the bottom of the matter if I can. The transfer of the shares from Cumming, the manager of the bank, to my father, was signed at Mr. Brander's office, I fancy. At any rate, you and Mr. Levison were the attesting witnesses to my father's signature. Have you any memory of the transaction, and would you object to tell what took place?"

"I remember about the transfer, Mr. Hartington, because, when the crash came, everything connected with it was talked over. In point of fact, we did not see Mr. Hartington's signature actually attached. He called at the office one day, and just after he had left Mr. Brander called us in and said, 'Please witness Mr. Hartington's signature.' Of course, we both knew it very well and witnessed it. I did not notice the names on the body of the transfer, though, of course, I knew from the appearance of the document what it was, but Mr. Brander just pointed out where we were to sign and we signed. The only thing I noticed was that as I wrote my eye fell on the top line, and I saw that it was dated ten days earlier."

"Was that unusual?"

"No, documents are often dated at the time they are drawn up, although they may not be signed for some days later. Of course it is not exactly regular, but it often happens. A form is filled up and one or other of the parties may be away or unable to sign. I happened to notice it, but it did not strike me in any way."

"And were you often called upon to attest signatures in this way without seeing them written?"

"There was nothing unusual in it. As a general rule we were called into the room when a signature had to be witnessed, but it occasionally happened, in the case where it was a well-known client and we were perfectly acquainted with the signature, that we did not sign until he had left the office."

"Do you remember if such a thing ever happened any other time in the case of my father!"

"Only once, I think, and that was afterwards. We signed then as witnesses to his signature to a legal document. I don't know what its nature was. It was done in the same manner directly Mr. Hartington had driven away."

"It might have been a mortgage deed."

"It might have been, sir, but as I saw only the last page of it, and as there were but three or four lines of writing at the top of the page, followed by the signatures, I have no idea even of the nature of the document."

"May I ask if you have left the office at Abchester on pleasant terms with Mr. Brander and his partner, for, of course, you know that he still takes an interest in the firm."

"Oh, yes, it is still carried on as Brander and Jackson, and Brander still goes down there for an hour or two every day. Yes, I left on pleasant terms enough, that is to say, I left of my own free will. I had for some time wished to come up to London, and hearing through a friend in this office of a vacancy at Barrington and Smiles, I applied and was fortunate enough to get it."

Cuthbert sat silent for a time. So far the answers he had received tallied precisely with Cumming's theory. He did not see how he could carry the inquiry farther here at present. The clerk, who was watching him closely, was the first to speak.

"I own, Mr. Hartington, that I do not in the slightest degree understand the gist of your questions, but I can well imagine that at the present moment you are wondering whether it would be safe to ask farther. I will, therefore, tell you at once that one of my reasons for leaving Mr. Brander's employment was that I did not like his way of doing business, nor did I like the man himself. The general opinion of him was that he was a public-spirited and kind-hearted man. I can only say that our opinion of him in the office was a very different one. He was a hard man, and frequently when pretending to be most lenient to tenants on the estates to which he was agent, or to men on whose lands he held mortgages, he strained the law to its utmost limits. I will not say more than that, but I could quote cases in which he put on the screw in a way that was to my mind most absolutely unjustifiable, and I had been for a very long time trying to get out of his office before the opportunity came. I may also say, Mr. Hartington, that I had the highest respect for your father. He always had a kind word when he came into the office, and regularly at Christmas he handed Levison and myself a check for ten pounds each, for, as he said, the trouble his business gave us. I tell you this in order that you may feel you can safely repose any confidence in me, and that my advice will be wholly at your service if you should think fit to give me your confidence in this matter, whatever it may be. But at the same time I must say it would be still better if you put yourself in the hands of some respectable firm of solicitors. I do not suggest my own principals more than others, although few men stand higher in the profession."

"There are reasons against my laying the matter before any firm of solicitors, and the chief of these is that my hands are tied in a peculiar manner, and that I am unable to carry it through to its natural sequence, but I will very thankfully accept your offer and will frankly tell you the nature of my suspicions, for they are nothing more than suspicions. I may first say that the news that my father was a shareholder in the Abchester Bank astounded me. For a time, I put it down to one of those sudden impulses that are unaccountable, but I may tell you, and here my confidence begins, that I have come across Cumming, the bank manager, and from him have obtained some curious particulars of this transaction—particulars that have excited my suspicions.

"You wondered why I asked you those questions. I will tell you. You did not see my father affix his signature to either of those documents. The one being certainly the transfer of some of Cumming's shares to him. The other being, as I believe, the mortgage that, as you doubtless heard, Mr. Brander held over my father's estate. How could you tell those two signatures were not clever forgeries?"

Mr. Harford gave a start of surprise.

"God bless me, sir," he exclaimed, "such an idea never entered my mind."

"That I can quite understand," Cuthbert said, quietly, "but you must admit it is possible."

"But in that case," the clerk said, after a pause, "Brander himself must have been the forger, and surely that is not possible. I fancy I know Mr. Brander pretty well, but I should never have dreamt him capable of forgery. Not because I have a high opinion of his honesty, but because I believe him to be a cautious man, and besides I do not see what possible interest he could have had in ruining your father by putting his name on to the register of shareholders. Even if he had an interest in so doing the risk of detection would be frightful, for not only would the matter be known to the directors, but, as you are aware, any shareholder has a right on the payment of a nominal fee to inspect the list of shareholders."

"Precautions were taken against this," Cuthbert said. "Just glance through this paper, which has been signed and sworn to by Cumming in proper form at Brussels."

Mr. Harford ran his eye over the document and then read it through carefully word by word.

"This is an extraordinary statement," he said, gravely, "do you believe it, Mr. Hartington?"

"I believe it implicitly. I had the man practically at my mercy. As you know, there is a warrant out for his arrest and a word from me would have set the police on his track and led to an application for his extradition. Therefore he had every motive for telling me the truth, and I am as certain as I can be, that he did so."

"If so there can be no question that Mr. Brander had some very strong reason indeed for preventing the knowledge of this transfer having ever been made from being known; but in any case it must have come out when the bank failed and of course he must have had a pretty accurate knowledge of the state of its affairs."

"Yes, but it man be that he had an equally accurate knowledge of the state of my father's health. That would account for what Cumming says as to his offer to bolster up the bank for a time, and for a retraction of that offer within a few days after my father's death."

"But why on earth should he have run all this risk merely to ruin you? He had no cause of enmity against you, had he, sir?"

"None, so far as I knew but now we come to the other document where you witnessed the signature without having seen it signed. If the signature on the transfer was a forgery, why not that on the mortgage, if it was the mortgage. If so you see the motive of the transfer. The smash of the bank brought a good many estates into the market and they would consequently go cheap. Not only would he get it far below its value, but by reason of this pretended mortgage he would get a further drawback of £15,000 from the price he would pay as its purchase."

"Good heavens, Mr. Hartington! You take my breath away! Have you any reason whatever for believing that the mortgage was a bogus one?"

"None, beyond the fact that I was ignorant of its existence. I was so surprised that I not only wrote to Brander himself but to the official liquidator. The former said he had advanced the money at the urgent request of my father, who told him he wished to settle a very long standing claim upon him, and that he desired that the transaction should be kept an absolute secret. The official liquidator said he had gone carefully into the question of the mortgage, that it was of three years, standing, that the receipts Mr. Brander had given my father for the half-yearly interest on the money had been found among my father's papers, and that Brander had moreover produced a document, showing that he had sold securities to that amount, and had drawn the money from his bankers in town by a singled check for £15,000. Do you remember whether such a deed was ever drawn up in the office?"

"Certainly it was not, but you see that proves nothing, for it was to be kept a secret. Brander might have had it drawn up by some solicitor in London."

"I see that. Well, then, this deed, whatever it was that you witnessed, was that drawn up in the office?"

"No. I remember Levison and I talked it over and said it was curious that a deed between Brander and Mr. Hartington should not have been given to us as usual to be drawn up."

"You witnessed his signature then as well as that of my father?"

"Yes, I have a particular reason for remembering that, for I had sat down hurriedly after he had signed it, and dipping my pen too deeply in the ink, made a blot. It was no doubt a stupid thing to do, but Brander was so unreasonably angry about it, and blew me up so roughly that I made up my mind there and then to stand it no longer, and wrote that very evening to my friend in my present office the letter which led to my getting the situation there two or three months later."

"That blot may be a most important one," Cuthbert said, "if it occurs on the mortgage deed on Fairclose, it is clear that document was not, as it professes on its face, executed three years earlier."

"That would be so indeed," Mr. Harford exclaimed, excitedly; "it would be a piece of evidence there would be no getting over, and that fact would account for Brander's anger, which seemed to me was out of all proportion to the accident. If you could show that the mortgage deed on which Brander claimed is really that document we witnessed, it would be all up with him. As to the receipts for the payments of interest they proved nothing as they were, of course, in Brander's own handwriting and were found where he put them. If you could find out that Brander had knowledge of Mr. Hartington's state of health about the time that transfer was produced you would strengthen your case. It seems to me that he must have got an inkling of it just before he filled up the transfer, and that he ante-dated it a week so that it would appear to have been signed before he learnt about his illness. I can see no other reason for the ante-dating it."

"That may have been the reason," Cuthbert agreed. "It was one of the points for which Cumming and I, talking it over, could see no motive. Certainly he would wish that if anyone said to him you ought to have prevented Mr. Hartington buying those shares when you knew that he was in a precarious state of health, to be able to reply that when the shares were bought he had not the slightest idea of his being in anything but the best of health."

"At any rate I will see Dr. Edwardes, and ascertain exactly when he did tell Brander. He is certain to be able by turning back to his visiting book, to ascertain when he himself became aware of my father's danger, and is likely to remember whether he told Brander at once."

"But even without that, Mr. Hartington, if you can prove that question of the date of the deed you have him completely on the hip. Still it will be a very difficult case to carry through, especially if you cannot get Cumming to come into court."

"But, as I began by telling you, I cannot carry out the case to a legitimate conclusion, nor do I want the intervention of lawyers in the matter. I want the estate back again if I can get it, but rather than this matter should be made public I would not lift a little finger to regain the property. It happens," and he smiled dryly, "that Mr. Brander's reputation is almost as dear to me as it is to him, for I am going to marry his daughter. We should not feel quite comfortable together, you see, at the thought that the father was working out a sentence of penal servitude."

"That is an unfortunate combination indeed, Mr. Hartington," Mr. Harford said seriously, though he could not repress a smile of amusement at the unexpected news. "Then it seems to me, sir, that Brander may in fact snap his fingers at any threat you may hold out, for he would feel certain that you would never take any steps that would make the matter public."

"Fortunately," Cuthbert replied. "Mr. Brander is wholly unaware of the little fact I have mentioned, and is likely to remain so until matters are finally arranged between us."

"That is indeed fortunate. Then I understand, Mr. Hartington, your object is to obtain so strong a proof of Brander's share in this affair as will place you in a position to go down to him, and force him into some satisfactory arrangement with you."

"That is it, and it is clear the first step will be to see the official liquidator and to obtain a sight of the mortgage."

"I suppose you know that he is the head of the firm of Cox, Tuke, and Atkinson, in Coleman Street. I suggest that the best plan will be to see him to-morrow, and to make an appointment with him for you to inspect the mortgage. You would wish me, of course, to be with you when you do so?"

"Think you very much. I will go round there in the morning, and will call at your office afterwards and let you know if I have arranged the matter, and the time at which I am to call to inspect the mortgage."

CHAPTER XIX

Cuthbert, on calling upon the head of the great firm of accountants, was courteously received by him.

"Of course, I remember your name, Mr. Hartington, with reference to the Abchester Bank failure. It seemed a particularly hard case, and I know our Mr. Wanklyn, who had charge of the winding up, took particular interest in it, and personally consulted me more than once about it, though I cannot exactly recall the circumstances now. What is it that you say you want to examine?"

"I want to have a look at the deed of mortgage that Mr. Brander, who purchased the property, had upon it."

"Yes, I remember now, that was one of the points on which Mr. Wanklyn consulted me. It struck him at first sight as being rather a remarkable transaction, and he went into it carefully, but it was all proved to be correct to his satisfaction. It is unfortunate that the system of registering mortgages is not enforced everywhere as it is in London—it would save a great deal of trouble in such cases as the present."

"Are the affairs of the bank quite wound up?"

"Dear me, no, Mr. Hartington. Why, it is but two years since the failure. There are properties to be realized that cannot be forced on the market without ruinous loss. There are assets which will not be available until after death; it is not the assets of the bank, but the assets of individual shareholders and debtors of the bank that have to be collected. I should say it will be at least twenty years before the last dividend will be divided. I am sure Mr. Wanklyn will be happy to let you see any document you desire. I will take you to him."

Mr. Wanklyn had a room on the same floor with his principal, and Mr. Cox took Cuthbert and introduced him to him.

"Mr. Hartington wants to have a look at the mortgage that Brander held on the late Mr. Hartington's estate. You remember we had several talks about it at the time, and you took a good deal of pains about the matter. Mr. Hartington wrote to me about it from Paris, if you recollect, and you replied to him in my name. I will leave him with you to talk it over."

"Have you any particular reason for wanting to see the deed, Mr. Hartington?" the accountant asked, when Mr. Cox had left the room. "I only ask because I suppose the documents connected with the winding up of the bank must weigh several tons, and it will take a considerable time for a clerk to hunt out the one in question. If you have really any motive for examining it I will get it looked out for you by to-morrow, but it will put us to a great deal of trouble."

"I am really anxious to see it for a special purpose, Mr. Wanklyn. I have reason to believe there was some irregularity in the matter."

"I am afraid it will make but little difference to you whether it was so or not, Mr. Hartington. The creditors of the bank have been the sufferers if there was any irregularity in it."

"Yes, I suppose so, and yet I assure you it is not a mere matter of sentiment with me. Other questions might turn upon it."

"Then I will certainly have it ready for you by to-morrow—give me until the afternoon. Will four o'clock suit you?"

"Very well. I will, with your permission, bring with me one of the attesting witnesses to my father's signature. He was one of Mr. Brander's clerks at the time."

Mr. Wanklyn looked up keenly.

"You can bring whom you like," he said, after a pause, "and I will put a room at your disposal, but of course the document cannot be taken away."

"Certainly not, Mr. Wanklyn, and I am very much obliged to you for granting my request."

Cuthbert called for James Harford at the hour at which he had said he went out to lunch, and told him of the appointment he had made.

"I have been thinking it over, Mr. Hartington, and I should recommend you to bring Cooper with you."

"Who is Cooper?"

"He is one of our greatest experts on handwriting. I don't know whether you have any of your father's letters in your possession."

"Yes, I have several. I brought over the last two I had from him, thinking they might be useful."

"Well, his opinion on the signatures may be valuable, though as a rule experts differ so absolutely that their evidence is always taken with considerable doubt, but it is part of his business to look out for erasures and alterations. It is quite possible Brander may have removed that blot, and that he has done it so well that neither you nor I could detect it; but whether he did it with a knife or chemicals you may be sure that Cooper will be able to spot it, whichever he used. I have very little doubt that your suspicions are correct and those parchments were really the pretended mortgage deeds. If you like I will go round and see Cooper at once and arrange for him to meet us in Coleman Street to-morrow at four o'clock."

"Thank you very much. The idea of the blot being erased had never struck me."

The next day Cuthbert met James Harford and Mr. Cooper at the door of the accountants, and after being introduced by the clerk to the expert they went up together. On giving his name in the office a clerk came across to him.

"If you will come with me, gentlemen, I will lead you to the room that is ready for you. This is the document that you desire to see."

As soon as they were alone they sat down at the table, and opened the deed.

"How is it for size?" Cuthbert asked.

"It is about the same size, but that is nothing. All deeds are on two or three sizes of parchment. The last page is the thing."

Cuthbert turned to it. There were but four lines of writing at the top of the page, and below these came the signatures.

"Of course I could not swear to it, Mr. Hartington, but it is precisely in accordance with my recollection. There were either three, four, or five lines at the top. Certainly not more than five, certainly not less than three. As you see there is no blot to my signature. Now, Mr. Cooper, will you be kind enough to compare the signatures of these two letters with the same name there?"

Mr. Cooper took the letter and deed to a desk by the window, examined them carefully, then took out a large magnifying glass from his pocket, and again examined them.

"I should say they are certainly not by the same hand," he said, decisively. "I do not call them even good imitations. They are nothing like as good as would be made by any expert in signing other people's names. The tail of the 'J' in James in these two letters runs up into the 'a' but as you will notice the pen is taken off and the letter 'a' starts afresh. Here on the contrary you see the pen has not been taken off, but the upstroke of the 'J' runs on continuously into the 'a.' More naturally it would be just the other way. In these two letters the writer would be signing his name more hurriedly than to a formal deed, and would be much more likely to run his letters into each other than when making a formal signature on parchment.

"Looking through this glass you will observe also that although the letters run on together there is a slight thickening in the upstroke between each letter as if the writer had paused, though without taking his pen off, to examine the exact method of making the next letter in a copy lying before him. In the surname there are half a dozen points of difference. To begin with, the whole writing slopes less than in the other signatures. In both your father's letters the cross of the first 't' is much lower than usual and almost touches the top of the 'r' and i.' The same peculiarity is shown in the second 't' in both letters, while on the deed the 't's' are crossed a good deal higher. The whole word is more cramped, the flourish at the end of the 'n' is longer but less free. In the capital letter, the two downstrokes are a good deal closer together. There has been the same pause between each letter as those I pointed out in the Christian name, and indeed the glass shows you the pen was altogether taken off the paper between the 'o' and the 'n,' as the writer studied that final flourish. My opinion is that it is not only a forgery but a clumsy one, and would be detected at once by anyone who had the original signatures before him. I will even go so far as to say that I doubt if any bank clerk well acquainted with Mr. Hartington's signature would pass it."