The house of Dunbar, Dunbar, and Balderby, East India bankers, was one of the richest firms in the city of London — so rich that it would be quite in vain to endeavour to describe the amount of its wealth. It was something fabulous, people said. The offices were situated in a dingy and narrow thoroughfare leading out of King William Street, and were certainly no great things to look at; but the cellars below their offices — wonderful cellars, that stretched far away underneath the church of St. Gundolph, and were only separated by party-walls from the vaults in which the dead lay buried — were popularly supposed to be filled with hogsheads of sovereigns, bars of bullion built up in stacks like so much firewood, and impregnable iron safes crammed to overflowing with bank bills and railway shares, government securities, family jewels, and a hundred other trifles of that kind, every one of which was worth a poor man’s fortune.
The firm of Dunbar had been established very soon after the English first grew powerful in India. It was one of the oldest firms in the City; and the names of Dunbar and Dunbar, painted upon the door-posts, and engraved upon shining brass plates on the mahogany doors, had never been expunged or altered: though time and death had done their work of change amongst the owners of that name.
The last heads of the firm had been two brothers, Hugh and Percival Dunbar; and Percival, the younger of these brothers, had lately died at eighty years of age, leaving his only son, Henry Dunbar, sole inheritor of his enormous wealth.
That wealth consisted of a splendid estate in Warwickshire; another estate, scarcely less splendid, in Yorkshire; a noble mansion in Portland Place; and three-fourths of the bank. The junior partner, Mr. Balderby, a good-tempered, middle-aged man, with a large family of daughters, and a handsome red-brick mansion on Clapham Common, had never possessed more than a fourth share in the business. The three other shares had been divided between the two brothers, and had lapsed entirely into the hands of Percival upon the death of Hugh.
On the evening of the 15th of August, 1850, three men sat together in one of the shady offices at the back of the banking-house in St. Gundolph Lane.
These three men were Mr. Balderby, a confidential cashier called Clement Austin, and an old clerk, a man of about sixty-five years of age, who had been a faithful servant of the firm ever since his boyhood.
This man’s name was Sampson Wilmot.
He was old, but he looked much older than he was. His hair was white, and hung in long thin locks upon the collar of his shabby bottle-green great coat. He wore a great coat, although it was the height of summer, and most people found the weather insupportably hot. His face was wizen and wrinkled, his faded blue eyes dim and weak-looking. He was feeble, and his hands were tremulous with a perpetual nervous motion. Already he had been stricken twice with paralysis, and he knew that whenever the third stroke came it must be fatal.
He was not very much afraid of death, however; for his life had been a joyless one, a monotonous existence of perpetual toil, unrelieved by any home joys or social pleasures. He was not a bad man, for he was honest, conscientious, industrious, and persevering.
He lived in a humble lodging, in a narrow court near the bank, and went twice every Sunday to the church of St. Gundolph.
When he died he hoped to be buried beneath the flagstones of that City church, and to lie cheek by jowl with the gold in the cellars of the bank.
The three men were assembled in this gloomy private room after office hours, on a sultry August evening, in order to consult together upon rather an important subject, namely, the reception of Henry Dunbar, the new head of the firm.
This Henry Dunbar had been absent from England for five-and-thirty years, and no living creature now employed in the bank, except Sampson Wilmot, had ever set eyes upon him.
He had sailed for Calcutta five-and-thirty years before, and had ever since been employed in the offices of the Indian branch of the bank; first as clerk, afterwards as chief and manager. He had been sent to India because of a great error which he had committed in his early youth.
He had been guilty of forgery. He, or rather an accomplice employed by him, had forged the acceptance of a young nobleman, a brother officer of Henry Dunbar’s, and had circulated forged bills of accommodation to the amount of three thousand pounds.
These bills were taken up and duly honoured by the heads of the firm. Percival Dunbar gladly paid three thousand pounds as the price of his son’s honour. That which would have been called a crime in a poorer man was only considered an error in the dashing young cornet of dragoons, who had lost money upon the turf, and was fain to forge his friend’s signature rather than become a defaulter.
His accomplice, the man who had actually manufactured the fictitious signatures, was the younger brother of Sampson Wilmot, who had been a few months prior to that time engaged as messenger in the banking-house — a young fellow of nineteen, little better than a lad; a reckless boy, easily influenced by the dashing soldier who had need of his services.
The bill-broker who discounted the bills speedily discovered their fraudulent nature; but he knew that the money was safe.
Lord Adolphus Vanlorme was a customer of the house of Dunbar and Dunbar; the bill-brokers knew that his acceptance was a forgery; but they knew also that the signature of the drawer, Henry Dunbar, was genuine.
Messrs. Dunbar and Dunbar would not care to see the heir of their house in a criminal dock.
There had been no hitch, therefore, no scandal, no prosecution. The bills were duly honoured; but the dashing young officer was compelled to sell his commission, and begin life afresh as a junior clerk in the Calcutta banking-house.
This was a terrible mortification to the high-spirited young man.
The three men assembled in the quiet room behind the bank on this oppressive August evening were talking together of that old story.
“I never saw Henry Dunbar,” Mr. Balderby said; “for, as you know, Wilmot, I didn’t come into the firm till ten years after he sailed for India; but I’ve heard the story hinted at amongst the clerks in the days when I was only a clerk myself.”
“I don’t suppose you ever heard the rights of it, sir,” Sampson Wilmot answered, fumbling nervously with an old horn snuff-box and a red cotton handkerchief, “and I doubt if any one knows the rights of that story except me, and I can remember it as well as if it all happened yesterday — ay, that I can — better than I remember many things that really did happen yesterday.”
“Let’s hear the story from you, then, Sampson,” Mr. Balderby said. “As Henry Dunbar is coming home in a few days, we may as well know the real truth. We shall better understand what sort of a man our new chief is.”
“To be sure, sir, to be sure,” returned the old clerk. “It’s five-and-thirty years ago — five-and-thirty years ago this month, since it all happened. If I hadn’t good cause to remember the date because of my own troubles, I should remember it for another reason, for it was the Waterloo year, and city people had been losing and making money like wildfire. It was in the year ‘15, sir, and our house had done wonders on ‘Change. Mr. Henry Dunbar was a very handsome young man in those days — very handsome, very aristocratic-looking, rather haughty in his manners to strangers, but affable and free-spoken to those who happened to take his fancy. He was very extravagant in all his ways; generous and open-handed with money; but passionate and self-willed. It’s scarcely strange he should have been so, for he was an only child; he had neither brother nor sister to interfere with him; and his uncle Hugh, who was then close upon fifty, was a confirmed bachelor — so Henry considered himself heir to an enormous fortune.”
“And he began his career by squandering every farthing he could get, I suppose?” said Mr. Balderby.
“He did, sir. His father was very liberal to him; but give him what he would, Mr. Percival Dunbar could never give his son enough to keep him free of gambling debts and losses on the turf. Mr. Henry’s regiment was quartered at Knightsbridge,