Miss Preen did not send the ten-pound note. She wrote to tell Nancy that she could not do it, and was uncomfortably pressed for money herself in consequence of Nancy’s own action.

The five-pound note borrowed from Lavinia by Nancy on her departure had not been repaid; neither had Nancy’s share of the previous quarter’s money been remitted. On the usual day of payment at the end of September, Lavinia’s quarterly income came to her at Sainteville, as was customary; not Nancy’s. For Nancy there came neither money nor letter. The fact was, Nancy, escorted by her husband, had presented herself at Colonel Selby’s bank—he was junior partner and manager of a small private bank in the City—the day before the dividends were due, and personally claimed the quarterly payment, which was paid to her.

But now, the summary docking of just half their income was a matter of embarrassment to Miss Preen, as may readily be imagined. The house expenses had to go on, with only half the money to meet them. Lavinia had a little nest-egg of her own, it has been said before, saved in earlier years; and this she drew upon, and so kept debt down. But it was very inconvenient, as well as vexatious. Lavinia told the whole truth now to Mary Carimon and her husband, with Nancy’s recent application for a ten-pound note, and her refusal. Little Monsieur Carimon muttered a word between his closed lips which sounded like “Rat,” and was no doubt applied to Edwin Fennel.

Pretty close upon this, Lavinia received a blowing-up letter from Colonel Selby. Having known Lavinia when she was in pinafores, the colonel, a peppery man, considered he had a right to take her to task at will. He was brother to Paul Selby, of Selby Court, and heir presumptive to it. The colonel had a wife and children, and much ado at times to keep them, for his income was not large at present, and growing-up sons are expensive.

“Dear Lavinia,

“What in the name of common sense could have induced you to imagine that I should pay the two quarterly incomes some weeks before they were due, and to send Ann and that man Fennel here with your orders that I should do so? Pretty ideas of trusteeship you must have! If you are over head and ears in debt, as they tell me, and for that reason wish to forestall the time for payment, I can’t help it. It is no reason with me. Your money will be forwarded to Sainteville, at the proper period, to yourself. Do not ask me again to pay it into Ann’s hands, and to accept her receipt for it. I can do nothing of the kind. Ann’s share will be sent at the same time. She tells me she is returning to you. She must give me her own receipt for it, and you must give me yours.

“Your affectionate kinsman,
“William Selby.”

Just for a few minutes Lavinia Preen did not understand this letter. What could it mean? Why had Colonel Selby written it to her? Then the truth flashed into her mind.

Nancy (induced, of course, by Edwin Fennel) had gone with him to Colonel Selby, purporting to have been sent by Lavinia, to ask him to pay them the quarter’s money not due until the end of December, and not only Nancy’s share but Lavinia’s as well.

“Why, it would have been nothing short of swindling!” cried Lavinia, as she gazed in dismay at the colonel’s letter.