Paris, From the Earliest Period to the Present Day; Volume 2

by William Walton

If the city is regardless of the effigies of her deposed rulers, she at least has some consideration for the living citizen who falls into trouble. The official Mont-de-Piété, or pawnbrokers' establishment, stands always ready to rescue him from the grasp of the usurer—provided he has some security of any kind to offer, and although its services are not altogether gratuitous, they are of very great benefit to the public. No private individual is allowed to make a business of lending money on personal objects. It was by letters-patent of the king, dated 9th December, 1777, that the original establishment was authorized, to be placed under the inspection of the Lieutenant Général of Police and of four Administrateurs of the Hôpital Général; the amount to be loaned to applicants was fixed at four-fifths of their value on objects of gold or silver, and at two-thirds on all others. The administrators were permitted to establish branch offices in different quarters of the city, and the central bureau was located in the Rue des Blancs-Manteaux, where, very much enlarged, it still is. This institution proved to be of the greatest service to the people, well-to-do as well as poor, but the undiscriminating Revolution promptly abolished it as a monopoly, and was forced to restore it under the Directory, May 22, 1797. By the law of February 4, 1799, no similar establishment could be opened without the consent of the government.

At its reconstitution under the Directory, it made its loans at the rate of thirty per cent., this was gradually reduced to twelve, and it was not until after the Revolution of 1830 that the figure was fixed at nine. At present, the interest and the charges amount to seven per cent. In the first century of its existence, from 1777 to 1877, the total amount of the loans advanced was two trillion three hundred and eight million six hundred and fifty-five thousand six hundred and ninety-six francs. The number of objects pledged was over a hundred and twelve million five hundred thousand, of which there were redeemed, or sold as forfeited, a hundred and ten million seven hundred and ninety thousand.

The first of the succursales, or branch establishments, was for a long time in the Rue Bonaparte, the ancient Rue des Petits-Augustins, in the neighborhood of the École des Beaux-Arts; in 1814, a royal ordinance authorized this succursale to enlarge itself, and granted to it an old building and a slice of the garden of the Musée des Monuments français, on several conditions, one of which was that it should transport to Père-Lachaise and reconstruct there the tomb of Héloise and Abélard, which was in the ceded portion of the garden. This was faithfully carried out, but in 1833 the State changed its mind, the cession was revoked, and the Mont-de-Piété was obliged to restore the ground and demolish its building, but was not reimbursed for its outlay on the tomb of the lovers. At present, the succursales are three in number, in the Rues de Rennes, Servan, and Capron, and there are bureaux auxiliaires for very nearly all the letters of the alphabet, by which they are designated. These latter have no storage-room, and consequently are unable to deliver an object redeemed until the following day; the transportation of these pledges through the streets is effected in the company's own wagons, and with every precaution against loss. In the auxiliary bureaux, or bureaux of the quarter, no loan is made for a greater sum than five hundred francs, while in the central establishment the limit is ten thousand francs, but all the regulations are otherwise the same; only one style of ticket is used, and this varies in color according to the year, being white, pink, yellow, green, etc., in sequence.

By the terms of the present regulations of the establishment, the object offered as a pledge is appraised by eight official commissaires-priseurs who are responsible for the deficiency in case the object, being neither renewed nor redeemed, is sold at public auction at less than their valuation. As may be supposed, they take care to guard against this eventuality,—the amount to be loaned on each pledge being the same proportion of its value as that fixed by the ordinance of 1777. The disappointment of the borrower at the inadequate sum offered him is not considered; but it has been proposed to establish by law a percentage nearer the actual market value of the security. The borrower is also subject to a tax,—of one per cent. on the sum he receives, without regard to the duration of the loan, and of six per cent. additional,—three for interest and three for running expenses. This last is calculated proportionally on the sum received and on the length of time the pledge remains unredeemed, counted by fortnights; loans of three, four, and five francs, not remaining unredeemed longer than two months, are not subject to this six per cent. tax.

Careful precautions are taken against the Mont-de-Piété being made a receptacle for stolen goods. The applicant for a loan must be known and have a permanent residence, or be vouched for by some one fulfilling these requirements; a married woman must bring the authorization of her husband, and no loans are made to minors. If the employés have any reason to suspect the integrity of the applicant, his loan is refused until he furnishes more satisfactory guarantees. In one year the number of watches recognized as stolen was two hundred and fifty, out of a total of three hundred and fifty thousand received. Loans are made for a year, at the longest, but in practice two months of grace are added; if at the end of this period the object is not redeemed, it is sold at public auction. Some of these pledges have been in the establishment for forty, forty-five, and fifty years, and very many for twenty,—constantly renewed and never redeemed. When sold, the surplus or boni remaining after deducting all charges is held at the disposal of the owner of the pledge for three years, and then turned over to the administration of the Assistance Publique.

By the law of July 25, 1891, this establishment is permitted to advance money, at its usual rates, on French Rentes and other bonds and securities authorized by an ordinance of the Préfet of the Seine. These loans are not to exceed five hundred francs each, nor to be less than three francs, and the duration of the loan is for six months, unless renewed. The capital on which the Mont-de-Piété does business is borrowed from stockholders or subscribers, to whom it pays interest; one of the principal of these is the Comédie-Française, which, by the famous decree of Moscow, is required to place two millions of its surplus in this official benevolent institution.

MUCH the most important public service of Paris is the Bureau of Postes et Télégraphes, the administration of which is confided to a Sous-Secrétaire d'État, and which employs, altogether, nearly thirteen thousand fonctionnaires, male and female. Of the efficiency of the postal service, the Parisians are justly proud; the telephone service, on the contrary, since it has passed under the management of the government, is a source of more earnest and heated complaint on the part of the unfortunate subscribers than even is usual in other lands before this aggravating mouthpiece and tube. The earliest postal service in France, according to the historians, was maintained by the Université for the benefit of its students, who were enabled to correspond with their relatives by means of messengers; this exclusive privilege, long preserved, was finally combined with the service which Louis XI established to serve the ends of his crooked policy. The modern postal service may be said to date from the reign of Louis XIII; and, in its gradual development, has passed through much the same phases as in other countries. During the seventeenth century, the central office was located in some contracted quarters established in front of the colonnade of the Louvre, and was eventually transferred to the old hôtel in the Rue Jean-Jacques-Rousseau, constructed on the site of the ancient Hôtel de Flandres. Although enlarged by successive additions, this building never afforded sufficient facilities, and proposals to abandon it and construct another and more ample central office elsewhere were seriously debated from 1793 to 1811, but the Corps Législatif was unwilling to incur so great an expense. On the night of the 7th-8th of August, 1880, the central office for Paris and the department of the Seine was established in temporary quarters in the Place Carrousel, and the demolition of the ancient building, preparatory to the construction on its site of a much larger and more efficient one, was commenced. The new Hôtel des Postes et Télégraphes was completed four years later.

An ordinance of 1692 gives the details of the commencement of the Petite Poste, or daily collection of letters: "there will be established six boxes from which the letters will be gathered every day at noon precisely and at eight o'clock in the evening in winter, and nine o'clock in summer, so exactly that after these hours in the evening the letters which may arrive will remain for the mail offices following, to wit:"—and the six localities of these offices are given. In 1759, a royal ordinance decreed the establishment in the city of different bureaux to effect the transportation from one quarter to another of letters and small packages; and on the 1st of August this service commenced,—there were nine distributions a day, by means of a hundred and seventeen facteurs, or carriers, and the postage was required to be paid in advance. The departure of the mail-coaches from the old post-office in the Rue Jean-Jacques-Rousseau, at six o'clock each morning, was a daily event of importance,—the diligence drivers prided themselves on issuing from the cour du Meridien into the cour de l'Horloge and from that into the street at the full gallop of their four horses; unfortunately, the street was very narrow, and so was the gateway of exit; it is recorded that the proprietor, named Florent, of the shop immediately opposite this exit, which was, and still is, a hair-dressing establishment, was enabled to retire with a fortune as the result of the numerous reimbursements he received for his broken shop-windows, dashed in by the mail coaches unable to make quickly enough the sharp turn to the right or the left in the narrow street.