MR. PAD WICK'S CLIENTS 19 



lessness, than by the extortionate charges of the usurer. 

 When the friendly banker and family solicitor refuse 

 further advances, then recourse is had to the money- 

 lender, whose timely aid has saved many a one that is, 

 when the money so raised has been judiciously applied 

 to business purposes. And in such cases, if the extra 

 risk which he runs be taken into account, no one would 

 grudge the lender a little interest beyond the current 

 rate. 



Mr. Padwick had for his clients the shrewd and the 

 simple, the noble and the ignoble ; and though on the 

 whole he must have had the best of his business trans- 

 actions, yet it cannot be doubted that at times he met 

 more than his match ' and caught a tartar.' He assured 

 me that he lost over 17,000 (cash lent) by the late 

 Duke of Newcastle, and much more by other specimens 

 of the august type of borrowers. The part he played in 

 the case of the notorious Lady Elizabeth and her stable 

 companion, the equally memorable The Earl, does not 

 concern me, or perhaps anyone else, so long as the owner, 

 the late Lord Hastings, was satisfied. And that he was 

 satisfied, his manly letter written at the time amply 

 testifies. In fact, the affair gained its unpleasant and 

 prominent publicity entirely through what I feel con- 

 strained to term the foolish ofnciousness of the late 

 Admiral Eous, in writing a hasty and ill-judged letter 

 to the Times on the scratching of The Earl in that year's 

 Derby, for which Messrs. Padwick and Hill were gene- 

 rally held responsible. It was this letter that drew from 

 Lord Hastings the reply I have mentioned, and cost my 

 brother John 800 to defend himself against its injustice. 

 As for the Admiral's part in the matter to say the least 

 of it, he had no occasion to have anything whatever to 

 do with it ; for his valuable opinion not having been 



