Daniel Defoe - Moll Flanders

If this woman had known my real circumstances, she would never have laid so many snares, and taken so many weary steps to catch a poor desolate creature that was good for little when it was caught; and indeed I, whose case was almost desperate, and thought I could not be much worse, was not very anxious about what might befall me, provided they did me no personal injury; so I suffered myself, though not without a great deal of invitation and great professions of sincere friendship and real kindness—I say, I suffered myself to be prevailed upon to go with her, and accordingly I packed up my baggage, and put myself in a posture for a journey, though I did not absolutely know whither I was to go.

And now I found myself in great distress; what little I had in the world was all in money, except as before, a little plate, some linen, and my clothes; as for my household stuff, I had little or none, for I had lived always in lodgings; but I had not one friend in the world with whom to trust that little I had, or to direct me how to dispose of it, and this perplexed me night and day. I thought of the bank, and of the other companies in London, but I had no friend to commit the management of it to, and keep and carry about with me bank bills, tallies, orders, and such things, I looked upon at as unsafe; that if they were lost, my money was lost, and then I was undone; and, on the other hand, I might be robbed and perhaps murdered in a strange place for them. This perplexed me strangely, and what to do I knew not.

It came in my thoughts one morning that I would go to the bank myself, where I had often been to receive the interest of some bills I had, which had interest payable on them, and where I had found a clerk, to whom I applied myself, very honest and just to me, and particularly so fair one time that when I had mistold my money, and taken less than my due, and was coming away, he set me to rights and gave me the rest, which he might have put into his own pocket.

I went to him and represented my case very plainly, and asked if he would trouble himself to be my adviser, who was a poor friendless widow, and knew not what to do. He told me, if I desired his opinion of anything within the reach of his business, he would do his endeavour that I should not be wronged, but that he would also help me to a good sober person who was a grave man of his acquaintance, who was a clerk in such business too, though not in their house, whose judgment was good, and whose honesty I might depend upon. 'For,' added he, 'I will answer for him, and for every step he takes; if he wrongs you, madam, of one farthing, it shall lie at my door, I will make it good; and he delights to assist people in such cases—he does it as an act of charity.'

I was a little at a stand in this discourse; but after some pause I told him I had rather have depended upon him, because I had found him honest, but if that could not be, I would take his recommendation sooner than any one's else. 'I dare say, madam,' says he, 'that you will be as well satisfied with my friend as with me, and he is thoroughly able to assist you, which I am not.' It seems he had his hands full of the business of the bank, and had engaged to meddle with no other business that that of his office, which I heard afterwards, but did not understand then. He added, that his friend should take nothing of me for his advice or assistance, and this indeed encouraged me very much.

He appointed the same evening, after the bank was shut and business over, for me to meet him and his friend. And indeed as soon as I saw his friend, and he began but to talk of the affair, I was fully satisfied that I had a very honest man to deal with; his countenance spoke it, and his character, as I heard afterwards, was everywhere so good, that I had no room for any more doubts upon me.

After the first meeting, in which I only said what I had said before, we parted, and he appointed me to come the next day to him, telling me I might in the meantime satisfy myself of him by inquiry, which, however, I knew not how well to do, having no acquaintance myself.

Accordingly I met him the next day, when I entered more freely with him into my case. I told him my circumstances at large: that I was a widow come over from American, perfectly desolate and friendless; that I had a little money, and but a little, and was almost distracted for fear of losing it, having no friend in the world to trust with the management of it; that I was going into the north of England to live cheap, that my stock might not waste; that I would willingly lodge my money in the bank, but that I durst not carry the bills about me, and the like, as above; and how to correspond about it, or with whom, I knew not.

He told me I might lodge the money in the bank as an account, and its being entered into the books would entitle me to the money at any time, and if I was in the north I might draw bills on the cashier and receive it when I would; but that then it would be esteemed as running cash, and the bank would give no interest for it; that I might buy stock with it, and so it would lie in store for me, but that then if I wanted to dispose if it, I must come up to town on purpose to transfer it, and even it would be with some difficulty I should receive the half–yearly dividend, unless I was here in person, or had some friend I could trust with having the stock in his name to do it for me, and that would have the same difficulty in it as before; and with that he looked hard at me and smiled a little. At last, says he, 'Why do you not get a head steward, madam, that may take you and your money together into keeping, and then you would have the trouble taken off your hands?' 'Ay, sir, and the money too, it may be,' said I; 'for truly I find the hazard that way is as much as 'tis t'other way'; but I remember I said secretly to myself, 'I wish you would ask me the question fairly, I would consider very seriously on it before I said No.'

He went on a good way with me, and I thought once or twice he was in earnest, but to my real affliction, I found at last he had a wife; but when he owned he had a wife he shook his head, and said with some concern, that indeed he had a wife, and no wife. I began to think he had been in the condition of my late lover, and that his wife had been distempered or lunatic, or some such thing. However, we had not much more discourse at that time, but he told me he was in too much hurry of business then, but that if I would come home to his house after their business was over, he would by that time consider what might be done for me, to put my affairs in a posture of security. I told him I would come, and desired to know where he lived. He gave me a direction in writing, and when he gave it me he read it to me, and said, 'There 'tis, madam, if you dare trust yourself with me.' 'Yes, sir,' said I, 'I believe I may venture to trust you with myself, for you have a wife, you say, and I don't want a husband; besides, I dare trust you with my money, which is all I have in the world, and if that were gone, I may trust myself anywhere.'

He said some things in jest that were very handsome and mannerly, and would have pleased me very well if they had been in earnest; but that passed over, I took the directions, and appointed to attend him at his house at seven o'clock the same evening.

When I came he made several proposals for my placing my money in the bank, in order to my having interest for it; but still some difficulty or other came in the way, which he objected as not safe; and I found such a sincere disinterested honesty in him, that I began to muse with myself, that I had certainly found the honest man I wanted, and that I could never put myself into better hands; so I told him with a great deal of frankness that I had never met with a man or woman yet that I could trust, or in whom I could think myself safe, but that I saw he was so disinterestedly concerned for my safety, that I said I would freely trust him with the management of that little I had, if he would accept to be steward for a poor widow that could give him no salary.