"Good evening, Mr Batchelor," said the tailor. "Take a seat, sir."

I did so, and Jack took another.

A long pause ensued.

"You wished to see me," observed I.

"Well, yes, I do," said the tailor. "The fact is, Mr Batchelor, you aren't treating me well. Those clothes were sold you for cash, sir-- cash down!"

"Yes, I'm afraid I have been rather slow in paying, Mr Shoddy," said I.

"Quite so, sir! The question is, have you the amount with you now-- three pounds plus six shillings for interest to date?"

"I certainly have not the money with me," said I.

"Ah! Then you are prepared to give me security, of course? Now what do you say to my drawing on Messrs. Merrett, Barnacle, and Company, at one month, for the amount? I should be satisfied with their bill."

I nearly jumped off my seat with horror.

"Merrett, Barnacle, and Company pay my tailor's bill! Oh, no! quite out of the question!" I exclaimed.

"Ah, that's a pity! I should have liked their bill, and you could pay them by instalments."

"I wouldn't on any account have them spoken to on the subject," said I.

"Well, perhaps your friend here--"

"No," said Jack; "I've no money at all."

"Your uncle possibly--"

How had the man heard that I had an uncle? He seemed to know all about me, and I began to get uncomfortable.

"My uncle, I fear, would not advance the money. I have already asked him, and had no reply."

"This is rather awkward for you, sir," said Mr Shoddy, coolly. "I quite hoped you would have been prepared with a proposal."

"I might be able to pay you a shilling a week," I faltered.

Mr Shoddy shrugged his shoulders. "Three pounds six is sixty-six shillings, interest six and six; seventy-two shillings and sixpence-- seventy-two and a half weeks--one year and four and a half months to pay off. Thank you, sir; can't do it."

"I don't know what to do if you won't accept that," I faltered.

"Three shillings a week, _secured_," said the tailor, "would meet the case, I think. What do you think?"

"I could never keep it up, I fear," said I; "but I'd try."

"Thank you, sir. You draw your salary weekly, I believe?"

"Yes," I said.

"Oh, then, if I just look in and see one of the princ.i.p.als and explain, he'll stop the three shillings a week for me, which will save all trouble. What time are they generally at home?"

The cool resolve of the man to make my employers a party to my debt positively terrified me. I begged him to give up the idea, promised wildly to do all sorts of things to pay him, and entreated him to give me more time.

He was politely inexorable. "Pleased to oblige you, but, after a year, we must look after our little accounts, mustn't we? Let's see, to- morrow I'm engaged. I'll look in on Friday and settle it."

No argument or entreaty of mine could make him understand such a step would be ruination to me. He was firmly convinced a guarantee from the firm would be the best security for his money, and so, simply disregarding all my protests and appeals, gaily promised to see me again on Friday.

What was I to do? My only hope was in my uncle's answer, and that, as the reader knows, was small enough.

The following morning it arrived. It was brief, and to the point:--

"Dear Nephew,--I hold that lads of your age cannot learn too soon that the people to pay debts are those who make them. I return your list, as it may be useful.

"Yours,--

"F. Jakeman."

It was what I had expected. My last hope of a respite now gone to the winds!

We walked down disconsolately to the office. Hawkesbury was back in his place, smiling as usual. But the dread of Shoddy's visit to-morrow drove away all thought for the present of resentment against Hawkesbury.

I was even constrained to greet him civilly, and when he asked if I had received his letter, to say yes, I was much obliged.

On leaving the office that evening the tailor's a.s.sistant was hanging about outside as before. I imagined he had some fresh message, and went up to him eagerly. "Well," said I, "what is it?"

"Nothing that I know of," said he. "I was just pa.s.sing this way, and thought I'd see how you were getting on. No orders, I suppose? None of your young gentlemen want a nice cheap suit? Pleased to make you a consideration for the introduction. If one or two of you joined together and took a piece, could do the lot very reasonably indeed."

So, not only was I to be exposed before my employers to-morrow, but meanwhile my movements were being watched, for fear I should run away, I suppose.

"Jack," said I, as we walked along, "I believe you are right after all."

"How?" said Jack.

"The only thing to do is to tell the partners all about it, before Shoddy comes to-morrow!"

"Well," said Jack, "I don't see it could be much worse than letting them hear all about it from him."

With which consoling but desperate resolution we proceeded.

To beguile the time, we went round by Style Street.

A youth was standing having his boots blacked as we came up. We thought we recognised the figure--though till he turned round we could not recall his name. Then to our surprise we saw it was Flanagan.

But such a swell as he was! He had alarmed me more than once by the grandeur of his attire when I had met him at the parties of the "usual lot." I had seen him rarely since. As for Jack, the two had scarcely met since they left Stonebridge House.

"Hullo, Batchelor," he cried, as we approached, "that you? I heard you'd been ill, and--why, Smith," he broke out, catching sight of my companion, "how are you? Haven't seen you for ages! And the rum thing is I was speaking about you this very moment--wasn't I, kid?"