He put his ’and in ’is pocket and takes out fifteen bob and ’olds it out to me.

“No, no,” I ses. “I can’t take your money, Joe Peel. It wouldn’t be right. Pore Sam is welcome to the fifteen bob—I don’t want it.”

“You must take it,” ses Joe. “The ghost said if you didn’t it would come to me agin and agin till you did, and I can’t stand any more of it.”

“I can’t ’elp your troubles,” I ses.

“You must,” ses Joe. “‘Give Bill the fifteen bob,’ it ses, ‘and he’ll give you a gold watch and chain wot I gave ’im to mind till it was paid.’”

I see his little game then. “Gold watch and chain,” I ses, laughing. “You must ha’ misunderstood it, Joe.”

“I understood it right enough,” ses Joe, getting a bit closer to me as I stepped outside the gate. “Here’s your fifteen bob; are you going to give me that watch and chain?”

“Sartainly not,” I ses. “I don’t know wot you mean by a watch and chain. If I ’ad it and I gave it to anybody, I should give it to Sam’s widder, not to you.”

“It’s nothing to do with ’er,” ses Joe, very quick. “Sam was most pertikler about that.”

“I expect you dreamt it all,” I ses. “Where would pore Sam get a gold watch and chain from? And why should ’e go to you about it? Why didn’t ’e come to me? If ’e thinks I ’ave got it let ’im come to me.”