The Express.
London, England, 1864-12-19 00:00:00

THE EXPRESS, MONDAY EVENING, DECEMBER 19, 1864.

committee will be able to provide for a far larger
number than this. The number of applicants
increases with the augmented severity of the
weather. During the month of July the average
nightly attendance was 28 wen, but from November
until the present month it has ranged from 120 to
150 men, women, and boys. The consumption of
rations is already over 400 portions daily, and it
must be remembered that it is not in the mere
doling out of foul that the labours of thin committee
stand in stroug contrast to the legal adminiatration
of relief. At the workhouse or police-office the
pauper is—perhaps inevitably—regarded as a
nuisance and an incubus, to be dealt with strictly
according to law, and to be shaken off as speedily
and cheaply as leasable. At the Refuge he is
treated as a fellow-creature who has fallen into
dire misfortune, and whose shortcomings are less to
be thought of than Lis needs. The unworthy may
occasionally impose upon its privileges, but, on the
other hand, in instance after instance, the stray
wanderer has been decently clothed and
put to work, and has up to the present time behaved
reputably and well. Many of these people have
belonged strictly to the middle class, and shelter
and relief has been afforded to ex-officers in the
army, to ex-comwercial travellers, and to educated
and even accomplished men in other stations of life. It
sometimes happens that when a situation has been
found fur a particular man that he is in rags, and
has to be clothed by the committee before he is fit
to undertake the employment they have obtained
him. It will therefore be readily seen, that in
addition to subscriptions of money, cast off gar-
ments, or even the weediogs of a library, will be
gratefully received at the Newport Market Mission-
house, and it may be doubted whether the charit-
able could effect a greater amount of practical sub-
stantial oal, than by entrusting their alms,
whether of money or material, to its promoters.

THE UNITY JuINT STOCK DANK FRAUDS.

Joseph NVaketiekl Terry and Thomas Burch ap-
peared on Saturday again before the Lord Mayor, to
undergo a further examination upon the charge of having,
they being respectively the manager and secretary to the
Unity Joint Stock Bank, published a certain bulance-sheet
of the affairs of the Uuity Bank up to June, 1562. well
knowing the same to ba false in divers material particulars,
with intent to deceive end defraud the meniben and share-
Lulders of the said bank.

Mr. Lewis, jun., again appeared to conduct the prosecu-
tion ; mud Mr. Sleigh, instructed by Mr. Watson, of Cannons
atreet, appeared for the defendant Terry ; and Mr. Metcalfe,
instructed by Mr. Wontner, jun., appeared for Burch.
Mr. Humphreys was present to give any information that
might be required from the directors of the Unity Back,
who bad been subrituaed as witnesses.
Mr. Metcalfe having intimated his wish to croe,-examine
Mr. Alderman 3lecht, that gentleman was again called into
the wit neoe•thoa and sworn, and subjected to a severe cross-
' examination. In the course of it be said be held altogether
shore.. Ho had twenty at the first. He could oot be a
director without l'aff. was paid up. The whole of the money
was paid 1).):1:1 tine. He purchased 40 more in August,
He borrowed the money from the bank to
:eke tp those shirts. Ile again borrowed money
to purchase shares in September, Isso. He borrowed money
on several occasion of the bank for the purpose of taking
up shares in the bank, and also in the sister institution, the
Life and lire Insurance-office. At the time of the failure
of the Loyal British Mr. Chamber, said the money would all
run out if something were not done to give the public coo-
tidenee. and it was intended to vote 10,000/. to take up some
shares, but it nas found by the charter it could not be done,
and he (Alderman Meeli) determined to do it at his own
cost, and did so. and Lad loot by tt. He purchased between
and 1:NY; 415 shares in the Unity Bank at a cost of
14,:5k:., and 40,01A1 in the Unity Insurancemffies. The
tots! an:Yzda of his debt at that time was about 24,01.101.
The insurance shares he purchased at an average of 2a. 3d.
esch, and ss. was paid up. They were not worth much at
the time he bought thew. By these transactions his liabi-
.ity to the honk, Melt:ding interest, amounted to 27.111.10/.
lie had paid interest to the amount of 5,0001. He paid
interest according to the bank rate, varying from 34 to 10
per cent., if the honk rate were as high. He instructed
Mr. Terry not to favour him, but to treat him the same as
au ordinary customer. lie bad paid off about 19,001.1/.
The loan continued up to 1862. The bank might have been
rediscoui.tiog bills at the time he was borrowing the money,
but tee did not think they were paying at the rate of 1 per
cent. higher than tic paid for what he borrowed. lie had no
private account with the exception of the loan account. He
had au account in the name of his firm, and had borrowed
money on the firmsaccount if be wanted it the same as he
should have done at any other bank, and if there was not
sufficient balance a commission was charged as on other
accounts. Ttie account might have been overdrawn to the
extent of 2001. or 44.(0/. at times ; but the bank were not
losers.

Mr. Metcalfe said he was locking up the principal.
Alderman Mecfii said he wished he had locked it all up.
it would have been int.nd at the present time. The firm
kept en account at the west branch, and which might have
been overdrawn, sad it might have been that while the
balance w.s being made at the head office the account
at the west branch was overdrawn, and the money
paid into the Lead establishment in every use. Hui
partner Lad the management of the financial
affairs ; if it had been done there was no intim.
tion to defraud. Besides Lis loan his partner had •
loan on good security. He thought it was BUOi. or 1,010.
The firm also had • loan when they wanted it ; but there
was no conesolwent, everything was made known to the
shareholders and the other directors. Defendant Bower
might have had a loan. His (defendant Bower e) was the
beet account in the bank, and he generally had a very large
balance. Mr. A; re and the other directors might also have
laol loans. They were all men of responsibility. His
(Alderawu Mechem) bills might have become overdue at
some time. They were not dishonoured. They were held
over be • urevious arrangement.
Mr. Metcalfe—And would have appeared in the cash article
book

Humphreys said they would be considered as good
bills, and would be entered in the cash articles sa a natter
of course.

Mr. Metcalfe read an entry on four succ-uive days of a
Mr. Ayre's fur suW., and one of Alderman Michele for
I,thaS., which appeared three days.
Alderman Mechi said they were not dishonoured; he could
always pay 291.. or 4th. in the pound. They would, of
course, gu into the cash article book. Ili, owu bills were
read over to the committee. It was very likely that the
secretary communicated with him in reference to the reduc-
tion of his debt, which was in September, 1,4;2. 23,000 f.,
and he •eceived a letter from the solicitor to the bank. upon
which h paid it all but ehies.ll. lie thought the amount
he maid now was about 4,UUO/., which was subject to a
reducti-u be the assets ensuing from the 53.5 shares, which
would be about 2.'. per share. lie wished it to be under-
stood that what he did was not for the benefit of himself,
but to support the institution with which be was counected.
The other directors who borrowed borrowed at the Bank
rate of loterrit.
Mr. Metcalfe said he could not see how it was for the
heuerit of the bank to borrow its money at the Bank rate of
interest, sod then for the bank to be obliged to borrow at 1
per cent. higher.
Mr. Alderman Mechi said that was not so, and be bad
not stloattrd it.. Tie l,curity he gave was good, besides
which the bath herd his shares, and had the power of
preveutmg the ,ale of them.
Mr. Metcalfe proceeded to question Mr. Alderman Mechi
in regerti to the nature of the securities, and Mr. Bum-
phreya objected.
Mr. Leal* s,kd the t,oney bad nearly all been tail, and be
ern:duly coup: not tee what relation the question of the
atruritiss could have to the case.

Mr. Metcalfe sail the director. hid turned round upon the
two detendahts, cud charged them with maiiiog a false
Lakoce.shent.

31r. Hum►hrers said the directors, for whom be ap-
pated, had ho voice whatever au the matter. They were
I..ll4kt:tted to attend tue court, mad they were there A/
11l WWI. and that was all.

The I,vl Mayor remarked that nothing that had come
out ill the cross.eximonotioo hail tallied to shake in the
leort his 011111100 that a large amount bad been treated as
a —et, by the parties under examiDation before him which
tlo v knew were worthless.
Mr. Lewis said it was a prosecution by the shareholders.
In answer to Mr. Lewis, Aldermen Medd said his debt
almost all cleared. About 4.0u0/. remained, which
was arranged to t, pod next month, and irrespective of the
arrangement it was fully secured. That debt was known
to the shareholders. Neither Mr. Arra nor any of the other
directors owed the hack a shilling. The directors bad loans
on the saris terms as the general public. There was no dis-
tiuctino made. In he was not shown dishonoured bills
for Ist' and 1,7.0, nor was he ever, to his recollection,
shown bill, covered with dividends. Tier* was no mistake
aheut the directions ~iveo to the defendants about deduct-
Mg the I es on the bills and putting them iu at their fair
ir.:ue. The balioax-sheet of Int did not show the true
state of atfeira. Ile did not know that Hal., which was
hat on CJwell and Burcli'a hills, was put into the assets,
and 110tbnt W. put before the directors to show what waa
sit uek out re o mt.
At this stogn the proceedings were again adjourned.

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LAW INTELLIGENCE.

METROPOLITAN COUNTY COURTS.
(Sitting day, appended for the present week.)
Wisnilresna. St. II arthielatte.—Monday, Dec. 12; Tuesday,
TO . Wednesday, 21 , Tbur, 12.
BLOOMSBURY, Portland-road.—Wednesday, Dec. 21; Thurs-
day, 22 rlday, 23.
SlAartilenta, Marylebone-read.—Tuesday, Dec. TO; Wednes-
day, 21.
Baclurrew, WERehead'agrove —Friday, Dec. tS.
CLIUMENWELL, Duncanterrace.—Tuesday, Dec. 20: Wednes-
day, 11.
81101LIDITCH, Old-street.road.—Tueeday, Dec. 5); Wednesday,

—Bow, Bow-Toad.—Friday, Dec. 23.
WHITKCHAYEL, Great Prescot.street—Wednesday, Dee. 21
Thursday. 22.
Svf:THWARC, gran-street.—Tuesday. Dec. 20.
La1124:111, Cautherwell.nrw-road.—Tuesday, Dee. 20.
Ot►aswtex.—Wednrsday, Dec. 01.
WOoLWIC/I.—Thursday. Dec. 23
u,awo Sonth.st• ed.—Thursday, Dee. 22.
- LORD MATok'S Nom Guddhall.—Mouday, Dec. 10; Tuesday,
20; Thursday, 22.

The jury retired to madder the ease, and, Mier as
' absence of about hour, returned a verdict of Guilty
against both priaosenur . but recommended Linden to money.
Hie lordship maid the recommendation would be seat to
the proper quarter, and would, no doubt, be seriously ow:I-
A(l4nd, hat did not hold out any hope that Landes's sin-
twice would be remitted ea distinguished from Brown.
Brown's guilt had been established clearly. Sentence of
death was then passed.