330 
SOU 
TOW 
Report, 1897—continued. 
Southern. Counties Deposit Bank—continued. 
Witness, who is a butcher and fanner near Bicester,- applied in February 1894 to the 
Southern Counties Deposit Bank for a loan of 20/., but, was induced to borrow 30/., for 
which he gave a bill of sale ; complaint that be was not made aware of the contents of 
the bill of sale, or that the interest was to be 5 per cent, per month, Faux 3830-3880 
Complaint, also that witness’ credit was ruined by the publicity in connection 
with the bill ol sale, he having disputed the enormous rate of interest claimed, 26.3858- 
3880. 
Positive denial that John Faux signed a bill of sale without knowing its contents, 
Kirkwood 3980-3983 Voluntary winding up of the Southern Counties Deposit Bank, 
of which witness was the managing director and the largest shareholder, ib. 3896-3901 
Registration of the bank as a limited liability company, there having been about 
twenty-two shareholders, including witness’ wife and all his children, one of whom was 
about three and a-half vears old at the time; due observance of the provisions of the 
Acts as to a quorum of five having been present at the winding-up-meeting and on 
other occasions, ib. 4058—4101. 
Grounds for justifying advertised statement that the Southern Counties Bank had 
75,000/. to lend, Kirkwood 4102-4111 Explanation in connection with published 
statement that, the bank was expressly incorporated under Act to lend money at a low 
rate of interest, ib. 41 13-4123. 
Examination with further reference to the circumstances attending the voluntary 
liquidation of the Southern Counties Deposit Bank, the meetings held lor the purpose, 
and the question of the presence of a quorum thereat; reference hereon to certain 
statements by Mr. Chester, the secretary, Kirkwood 5111-5216. 
See also Barrett, —. Finlay, John. 
Statutory Declarations. Amendments proposed as regards warrants, statutory declarations, 
and copies of documents, Farrow 1363. 
Suicides. Charge of fraud against a borrower named 'fuck, of Brighton, who committed 
suicide, Kirkwood 4979-4988 Indignant denial that witness keeps a “ suicide book,” 
ib. 4989-4993 Denial that a book is kept by Mr. Kirkwood in which suicides of 
borrowers are entered up ; very few such catastrophes, Goodman 4991-4994. 
Summon/ Dilu/ence (Scotland). Abuse under the head of summary diligence, as when 
lenders at Birmingham make their bills payable at a Glasgow or Edinburgh address, 
Farrow 147 Further evidence as to the frequent abuse by money lenders of the 
Scotch system of “Summary Diligence”; Paper on the subject handed in to the 
Committee, ib. 1271-1286. 1317-1325 Special teference to the practice of Isaac 
Gordon in lending money to farmers in England and Wales, as from a small office in 
Glasgow, in older that summary diligence may be applied, though the loans are really 
arranged at Birmingham, ib. 1272-1285. 1317-1325. 
Great hardship upon debtors generally in England when sued in Scotland under 
the process of summary diligence ; failure of steps taken by witness to move the 
Worcester Chamber of Commerce to adopt his objections to the process, Corbett 2624- 
2628. 
Information respecting the use made by witness for a few years of the Scotch process 
of summary dilicence; contention that lie can enforce recovery against a borrower 
resident in England, who signs a bill of exchange dated Glasgow, Gordon 3102-3106. 
3388-3408 Question considered as to the expediency of summuiy diligence as regards 
recovery of the actual loan, leaving the interest to be dealt with by the county court, ib. 
3353) 3354 Notes by Messrs. Dalgleish and Dobbie, (solicitors of Edinburgh), 
explanatory of the procedure under ihe Scotch law of summary diligence, App. 275. 
See also Adams, Peregrine. Allen v. Suldeaway. 
Sureties. Rare instances of witness obtaining sureties or being able to get security, unless 
he submits to a very low rate of interest, Gordon 3019-3021. 3083, 3084. 3171-3179 
Opinion that copies of all documents signed by a borrower or bis surety should be 
supplied to the latter, Judge Smith 4667, 4668 Frequent cases of ignorance on the 
part of sureties as to the documents they sign ; impracticability of a system for completing 
all loans before a magistrate, ib. 4709, 4710. 
T. 
Townend’s Bank. Details of the case of a farmer at Wortlev, near Leeds, who obtained 
thiee loans from Townend’s Bank; very excessive charges in this case, witness, however, 
not being able to obtain the present address of the borrower, he having left his farm, 
Farrow -Details of the case of a man who obtained in different, loans a 
total