The Express.
London, England, 1862-10-18 00:00:00

THE EXPRESS, SATURDAY EVENING, OCTOBER 18, 1862.

object is the 'me. The " struggling tridesman "
has always pressing need of ten or twenty pounds
to meet a bill, to extend his business, or to pur-
chase a beneficial lease ; he is always willing to
give a live or ten pound 'bonus if accommodated
with this money for a fortnight or three
weeks ; and to deposit property with the lender
worth four times as much as the required loan. He
offers from six to twelve hundred per cent. per
• annum, with excessive security, and advertises
lalmost daily in various forms for tenders. That
his advertisements succeed we are bound to
believe, because of their regular appearance, and
that his " security" is hollow we are also bound
j to believe, unless the ordinary conditions of busi-
nes& are reversed in these transactions. The aecu-

-7-UMW INTELLIGENCE..

PRUSSIA.
A letter from Berlin, dated the 15th Inst., soya :

In default of the confidence of the constitutional re-
presentatives of the people, the Prosaism ministers seek a
compensation in the congratulations of deputation., which
continue to arrive in our capital. The King also continues
to receive addresses of adhesion, and delegates from con-
servative and feudal association.. During the lut two
days °oleo than seven such deputations were admitted to
the Palace, and expressed their dissatisfaction at the
conduct of the Chamber of Deputies. The government
will, however, soon have to decide whether it ought to
follow the counsels of the elect of the nation or the advice of
these new self-made councillors. The government will have
to decide whose advice is of the most value in political and
economical questions : M. Simeon or Riep, the workman ;
Count Schwerin or Kafka, the shoemaker ; Dr. Gneiat or
schoolmaster Fiege ; Messrs. Viucke and Sankey or Tank,
the peasant, and curate Hartmann. Truly our situation
were most laughable were it not so lamentable. The King,
it seem., has been recently made the dupe of a hoax. An
address was presented to him purporting to come from the
clergy who attended the religious Congress at Brunswick.
The King sent a reply to M. Nitzsch, the President, who
denies having sent any euch address.
As regards the press, the " glorious days of the new
era are over. The editor of the Notio.tal Zeilunj (Dr.
Zabe) has been sentenced to four weeks' imprisonment for
having, in May last, criticised the electoral rescript of M.
von Roon in a manner in which the court saw excitement
to hatred and contempt of the decrees of the government.
Moreover, the trials for press offenoes are on the increase,
so that both here and in the provinces they are looked
upon as common occurrence.. These rigorous measures
. .

rity may be pawn-tickets representingfancy values,
or it may be that class of " property" which glit-
ters on the counters of mock-auction marts; but in
any case the " struggling tradesman," who always
dates from post-offices under the veil of initials, is
sure to come out of the transaction a considerable
winner.
When the " struggling tradesman" comes for-
ward in the character of a " capitalist"—the ma-
nager of a " Good Samaritan Loan-office," and a 1
dispenser of loans—he always reverses this process.
He entertains no application for help without a
deposit to pay for all the necessary inquiries as to
the respectability of the applicant, &c. As two
or more sureties are generally demanded, this gives
an excuse for extracting more fees to payfor inqui-
ries touching the securities, and it is almost need-
leas to say that these inquiries never prove satis-
factory. The applicants for loans are generally
dismissed with letters declining their propositions
with thanks, and they may think themselves
fortunate if the swindle proceeds no further.
Sometimes the " capitalist," however, is encou-
raged to extract much more from his victims by
promising the loan on receiving a prepayment of
the first year's interest. This is only when the
" Good Samaritan Office" is very unskilfully and
greedily managed, and it nearly always leads to
such an exposure as our Police Reports contained
yesterday evening. The case brought before Mr.
SWAM may be taken as an illustration of the system,
and we may be excused for again describing it,
although the priioners are not yet tried, as the
facts were very clearly proved for the prosecu-
tion.

have owned a painful impression on the public mind, and
yet we are only at the commencement of these annoyances.
Today, on the occuion of the anniversary of the death
of the late Bing, Divine service was celebrated in the church
at Potsdam. The Bing, the Queen Dowager, and other
members of the royal 1., "lily were present, as also some
of the civil and military authorities. M. von Roon's ab-
sence in Switzerland will be for one mouth. Count Schwerin
has left Berlin for his 'stake at Putzas.

(mra's TILLGIIMIB.)
FRANCS.

PARIS, Orr. 18.

The Moniteur :of this morning announces that
the 2nd corps d'armde of the district of Lille will
provisionally remain without a commander-in-chief,
and its staff-general be dissolved.

INDIA AND CHINA.
(By telegraph from JobaL)
SHANGHAI, flier. 4.
General Ward's contingent has extricated itself
from its perilous position, since which the rebels
have made a fierce attack on this city, and burnt
down the villages in the vicinity. They were,
however, driven back with great loss.
Prince Kung has been attacked with cholera.
The imperial army has disappeared from Nankin,
leaving only a few war junks in the river.
The Mahomedans at Shensi have revolted, cores
mitting great outrages upon the other religious dc•
nominations.
Cholera is raging fearfully in the Northern
provinces. Business is suspended at Newchang
in consequence.
There is no political news of importance from
Japan.
A further depreciation has taken place in the
value of Mexican dollars.
COMMERCIAL INTELLIGENCE.
CANTON, Barr. 10.
Shirtings and twist higher. Tea firm. Total
export to date, 37,500,0001b5. Exchange on Lon-
don, 4s. 7d.

A Loan Society, trading under the very present-
able title of the " Richard's Estate Fund Associa-
" Con," at 23, Richard-street, Limehouse, had
advertised such a tempting plan of business in
various country newspapers that its managers
often received thirty or forty letters a-day from
country applicants. Some of these letters, it is
presumed, contained the preliminary remittances,
so necessary in dealing with Loan offices, real or
pretended ; but some of the applicants objected to
pay fees for airy nothings, and, being members of
a Trade Protection Society, they combined to pro-
secute. To show the vitality of swindling, and
the veiled shapes it amines, the same gang were
exposed more than a year ago when trading under
the assumed name of " R. BRYAN and Co." This
time upon being raked out of their new offi,e
the hopeful fraternity of capitalists is found to
cons'st of a laundress, a widow, a bill-sticker, a
regular Holywell-street tradesman, and a commis-
sion agent. The Association is peculiar, and promises
neither capital nor intelligence. The neighbourhood
from which it hails does not seem favourable for
large monetary operations; and yet, aided by one
" Dr. Warms," a man who was convicted • fear
years ago, and sentenced to eighteen months' im-
prisonment and hard labour for swindling under pre-
tence of curing deafness and diseases of the ear, it
seems to have been tolerably successful. The office,
to which all letters for the " Association " were ad-
dressed, is described as a " dilapidated tenement,"
rented at a few shillings a week, in the low part of
an obscure suburb ; but even with this small ex-
penditure on outward appearances, the receip s of
the " Association " must have been vet/ consider-
able. One coirespondent, whose letter was for-
tunately stopped by the police-officers, sent up
thirty pounds as payment of a year's interest h
advance on an expected loan of five hundred
pounds, and several other letters were intercepted
showing how *many people may be defrauded of
their money. Post-office orders were generally
made payable to "R. H. Twmrtro, Esq.,"
" SAMUEL GILBERT," and "W. B. LINDSAY,"
the names under which the association of laun-
dresses, bill-stickers, and commission agents seem
chiefly to have traded. In adopting such names the
swindlers seem to have imitated an example set
them by their criminal betters. It is not many
years ago since a great bank, now swallowed up
in bankruptcy, was foiled with a billiard-marker
amongst its directors whose name happened t..) be
BARING. The choice of " Bzvasr and C 0.," •
well-known and respected banking name, was not
dic*.ated by mere caprice, and the chief workers of
the " Association " were addressed as SAwuiL
GILBERT, W. B. LINDSAY, and R. H. TWINING,
because those names have the ring of the true
commercial metal. This is a part of the scheme
which doubtless sprang from the fertile brain of
" Dr. Warms," and not from the commission
agent of Sussex-chambers, or the bill-sticker of
Baldwin's.gardens. The gang have had a branch
office at 3, Alfred-place, Kentish-town, with
another on the Surrey side of the river, and there
is no reason, considering the support they have
long received, why they should not have had a
dozen offices in other parts of London. " Dr.
" WATERS," of course, is not to be found, and in
spite of the vigilance of the police may change his
protean name once more, and grow fat out of the
plunder of another " Association."
The exposure of such a case ought to be some-
thing more than a nine days' wonder. It ought
to teach those people who are struggling with
financial difficulties, and who read the ad-
vertisements of loan offices with gloomy interest,
that in all cash transactions references are
as much required on one side as the other. A
company, society, or association announces its
willingness to advance money on certain terms to
those who require it; but that is no proof, by
itself, of good faith and commercial standing.
The intending borrower of money will do well to
shake off • great deal of his humility, and to
enter the market more openly with a determine-
tion to know whom he is dealing with. If he wants
the money for a legitimate purpose, and has fair
security to offer, he ought to feel no more
ashamed of making his business public than he
would if he was buying a cargo of corn or any
other useful commodity. Above all, as far as
possible, he should avoid secrecy in these loan
transactions, as he may often be saved, by con-
sulting a few sensible friends, from falling into the
hands of fraudulent conspirators.

SHANGHAI, Seer. 4.

Shirtings firm. Silk advancing. Settlements
during the last fortnight, 7,000 bales. Total ex-
port, 33,125 bales. Exchange on London, 6s. 31d.
Freights declining.

FOREIGN-OPTIC; Ocr. 14.—The Queen has been
graciomly pleased to appoint ?Alward Mortimer Archibald,
Esq., to be her Majesty's Judea, and William Dudley
Ryder, Req.. to be her Majesty's Arbitrator, in the Mixed
Court establubed at Now York under the treaty of the 7th
of April. 1862, between Great Britoil' and the Gaited Status
for the suppresdoa of the African Stave Trade.—Rareite.
Camas PALAOI. Ow. 8111L121110 DALY.
FiLDAT, OCTOBER 17.—Adosimioos on pipped. 2,970;
ditto by mom tisk" 700 ; total, 3,720.

with the fate of MArhoerenel, must till him that MR. GLADSTONE AND THE RECOGNIT'ION OF
he is liable, when time shall serve, to be repo - THE SOUTH.
dieted and supplanted by a successor, secretly set
to work to thwart him. He may, however, think The following oorrespondenct has been handed
to us for publicatke
it patriotic to take office even at that risk. "Manchester, Oct. 13, 1862.
The Bourse opened with great firmness, and the "ffir,—A great deal of misapprehension exists in this dis.
Bente rose to 71fr. 70c., but after 2 o'clock, upon trice regarding what you are repotted in the Times news.
the strength of a report front Turin that M. Rat-
paper, of Thursday last, to have said in the Town-hall,
Newcastle, on Tuesday evening, when speaking on American
taxi had resigned, the aspect of the market corn- „if •
pletely changed ; sales were pressed, and the Rent* " People here have interpreted your words to mean Mist
declined 35c. from the highest point, closing at our government intend to recognise the Southern States of
71fr. 20c. and 71fr. 25c., with a fall both for cash America, and, as a consequence, the whole trade in cotton
and account of Sc. Mobilier fell 3fr. 75c., and the and cotton goods is thrown into a state of doubt and moor-
Italian Loan 25c. The Northern Railway rose tai:7htait has
had
net all they effect
ne thmhmaiilientedly tring e
itster-
-sfr., and Southern fell sfr. In the other lines dins of orders 'alreadffilrys.sent abroad for cotton, wunantl this
there is little change. suspending of others on the eve of being sent, than step-
The Daily News is seized. ping supplies of that which our population stands so much
in need of.
"It would be most desirable to know if what you said had
Inot the meaning put upon it, and that it was not your in-
tention to say or infer her Majesty's government contem-
plated recognising the Southern States of America ; and I
trust you will not consider me intrasive in asking an expla-
nation, as the subject is one of national importance, which
should not be left in doubt and uncertainty se at present.
" I beg therefore you will grant me a reply, as your
silence may bear the interpretation already put on your
words.—l have the honour to remain, &c.,
(Signed) "Times Mosur.
" Right Hon. W. E Gladstone, M.P."

AMERICA.

(mum's TIIMOZAKIL )
(Per Scotia, rid Roebe's Point.)
NEW YORK, Ocr. 6, Emma.

The Confederates, under Generals Price and Van
Dorn, supposed to number 40,000, attacked the
Federal General Rosencranz, on the 3rd, at Corinth,
Mississippi The fighting lasted two days. Gene-
ral Rosencranz reported officially on the sth that
the rebels were repulsed with great slaughter. He
says :—" The enemy is in full retreat, leaving his
dead and wounded. The loss is serious on the
Federal aide, particularly in officers, but bears no
comparison with that of the enemy. Seven hun-
dred Confederate prisoners captured."
The latest reports state that the pursuit was
favourable, and that the enemy could not escape
without losing everything but their small arms.
Mr. Cyrus Field proceeds to Europe by the
Scotia, to conclude the arrangements to lay the
Atlantic cable in the spring of the year.

NEW YORK, Ocr. 7, Emma.
The latest official reports from Corinth state
that the rebels have been driven back five miles
across the Hatcbie river towards Corinth. The
Federals captured two batteries and 300 prisoners.
The Federal General Rosencranz reports that
the enemy is totally routed, throwing everything
away, and that the Federals are in sharp pursuit.
The Confederate General Martin is reported
killed.

" 11, Downing-street, Whitehall, 18th Oct., 1862.
" Sir,—l am desired by the Chancellor of the Exchequer
to acknowledge the favour of your letter of the 13th instant.
and to state that his words at Newcastle were no more than
the expression, in rather more pointed terms, of an opinion
which Mr. Gladstone has long ago stated in public, that the
efforts of the Northern States to subjugate the Southern
ones is hopeless, by reason of the resistance of the latter.—
I am, sir, your obedient servant,
(Signed) " CHLILMS L. RYA 3.
" Thomas Mosley, Esq."

We have to announce the death of the Dowager
Countess of Albemarle, widow of William, fourth Earl of
Albemarle, which occurred ou Monday, the 13th inst., at
her resident's at Twickenham, aged 87. The decamped
lady was the daughter of Sir Henry Hunloke, of Winger-
worth Hall, Derbyshire.

Southern papers say that the Fedorals are again
preparing to move on Richmond viL Fredericks-
burg. Deserters and scouts report that the Con-
federates are falling back in the direction of Rich-
mond.

The Confederates have evacuated Frankfort,
Kentucky. The Federal. are advancing on Frank-
fort.

A small engagement has occurred at Newtonia,
Missouri. After two hours' fight, the Confederates
broke and fled. They are said to be concentrating
beyond Newtonia, and the Federals advancing to
renew the engagement. _ _ _

The marriage of Lord Dufferin with Mina
Hamilton is &red to take place on the 23rd inst. It is
mid that his lordship's mother, the widow of the late
Lord Dufferin and Clandeboye, will now assume her right
designation u the wife of the Earl of Gifford. We regret
to hear that the noble earl still remains in a precarious
state of health at Dufferin Lodge, Highgate. His sister,
the Duchess of Wellington, and Lady Gifford, are unre-
mitting in their attentions.
. - .

The health of the Attorney-General for Ireland,
Mr. O'flagan, having suffered from severe domestic afflic-
tion, he iv at present travelling with his family in Italy.
From a letter received in Dublin it appears that a serious
accident occurred to a diligence in which he was travelling.
The right hon. gentleman and three of his daughters, accom-
panied by their governess, were in the vehicle when it was
upset or capsized in the neighbourhood of Florence, the
driver killed, and several persons severely injured ; but,
excepting the great shock which he and his children MP'
Weed, they suffered no further injury. The governess
received a wound on the head, but she is going on well, and
may be pronounced free from all danger arising from the
accident.

The majority of the committee in the Confede-
rate Senate has reported resolutions that, after
January next, Federal commissioned or non-com-
missioned officers, when captured, shall be kept at
hard labour until the termination of the war, or
the repeal of President Lincoln's emancipation pro-
clamation. Federal white officers training or com-
manding negroes on military enterprises against
the Confederate States, or inciting slaves to rebel-
lion, or pretending to free them under Lincoln's
proclamation, shall, if captured, suffer death.
President Davis is authorised to adopt such other
retaliatory measures beet calculated to repress the
atrocities of the enemy.

The report of the minority urged a war of ester-
mination against all invaders.
Other resolutions were introduced, offering re-
wards to negroes for killing any open enemy, and
providing that all officers and soldiers circulating
counterfeit Confederate money shall suffer death
on conviction by a military court.
The Confederate governor of North Carolina has
called a council to consider President Lincoln's
emancipation proclamation.
Mr. Lincoln has returned to Washington. He
passed through Frederick, Maryland, and made
two unimportant speeches to the inhabitants amidst
much enthusiasm.

Lord Stanley, M.P., presided at a late meeting
of the committee of the Tipperary Farming Society. The
meeting went through a large amount of routine business
connected with the awards of the late "bow, lea, in the
whole of which Lord Stanley took • lively interest ; and
at the clew of the proceedings, in reply to • warm vote of
thanks, which was carried by acclamation, he stated his de.
termination to be present at the annual gathering next year,
should he possibly be able to get away from England, where
his public duties are so many. This announcement raised
• hearty cheer from those present. As all the 'neonatal
competitors at the late show were in attendance to receive
their prizes there was a fuller meeting than is usual, and
the country farmers were loud in their praises of Lord
Stanley's courteous attention to their wishes, and his great
interest in every matter connected with the society.
Sir Robert Peel delivered a speech on Thursday,
in Dublin, at a meeting for conferring degrees on students
of the Queen's University. It was wholly taken up with
detailing bis scheme of last year for procuring an additional
endowment of the Queen's colleges. He told how it had
been originated., had a quiet hit or two at these who op
posed it., and then claimed for it perfect saceass. Finally
he described the mode in which it was intended to apply the
funds rais:d. _ - .

Admiral of the Blue Sir George Rose Sartorina
is to have the good service pension rendered vacant by the
death of Sir James Whitley Deans Dundee, G.C.B.
' ' ' •

The Federal gunboat fleet is transferred from the
war to the navy department.
General M'Clellan has issued stringent orders
against lawless depredations by the troops.
The operation of the draft in New York is post-
poned until the 10th.
General Wadsworth, in accepting the Republican
nomination for the governorship of New York State,
has expressed his opinion that the American Con-
tinent under one government is still destined to
dictate terms to the world in arms.
COMMERCIAL INTELLIGENCE.

NEW YORE, Ocr. 7, EVENING.
Money abundant. Gold, 24 premium. Exchange
advancing. Bankers' bills, 136, 1364. Stocks,
large speculative sales. New York Centrals, 103/ ;
Illinois, 83 ; Erie, 581. Cotton heavy. Middling
Upland, 56c. Flour, Sc. higher, and advancing.
Wheat and oorn in good demand for export, and
lc. higher. Provisions steady. Coffee advancing.
Sugar and molasses very Srm.
NEW YORK, Ocr. 8, Nomura.
General M'Clellan has issued a general order to
the troops, referring to President Linooln's eman-
cipation proclamation. He says :
" The fundamental role of republican govern.
ment is that armed forces are raised only to sustain
the civil authorities, and are to be held in strict
subordination to them. The discussion by officers
and soldiers of government measures, when carried
beyond a temperate expression of opinion, tends to
destroy discipline by substituting political faction
for that steady support of government which is the
highest duty of the American soldier. In carrying
out the measures of the government the army will
be guided by tha same mercy and Christianity
which have always controlled its conduct towards
the defenceless." _ .

---------
The Confederates are reported to be moving

across the Rappahannock, in the direction of the
Manassas Gap Railroad, and to have taken posses-
sion of Warrentown and Briston.
. .

An enthusiastic Republican meeting has been
•

held in Brooklyn, at which strong resolutions were
passed endorsing Mr. Lincoln's emancipation pro.
clamation, and imploring the government to accept
Garibaldi's services. Mr. Cassius Clay made a
speech, denouncing the democrats and all who de-
sired the Union as it was. Mr. Clay further de-
nounced England, and expressed profound admira-
tion of France and Russia.
COMMERCIAL LNTELLIGENCE.
NEW YORK, Ocr. &

We (Army and Nary Gazette) understand that
the Italian government has ordered an iron-plated ship to
be built by Mews. C. J. Mare and Co., of MillwalL The
easel is to be 2,300 took and is to have engines (by
Mandalay, Sons, and Field) of 700 horse-power. At pre-
sent we believe the intention is to mount the ship with two
cupolas on Captain Cowper Coles' principle, each capable
of aiming two of the heaviest guns that can be plod
on board ship.
By the arrival of the mail from the Pacific in
London on Tuesday, it is dated (says the Army and Navy
Gazette) that the Admiralty received an intimation of his
desire to be relieved from Rear.Adrniral Sir Thomas
Maitland, the present commander-in-chief on the station.
Mr. Foley has received a commission to execute
an equestrian statue of Lord Canning for the city of Cal-
cutta, where already his " Lord liardinge" is placed.
General Rawlinson, the English minister to the
court of Persia, has passed through Vienna on his way to
Teheran.
It is rumoured in Australia that Sir Harry
Young, late governor of Tasmania, is to snowed Sir Henry
Darkly as governor of Victoria.
The Journal de Charleroi says :—" We ham stated
that King Leopold was to peas the winter in the nth of
Fence. Our correspondent at Brussels now informs ns
that his Majesty has chosen the town of Pau as his place
of residence, and that the palate there has been placed at
his disposal by Napoleon 111. The antique residence has
lately been restored, and, according to rumours all over the
district of Beare, is to be shortly occupied by • foreign
prince. That prince is the King of the Belgians."
The Vienna Gazette says :—" The ex-Queen of
Naples has given an &boraces to her mother, and to the
King and Queen of Bavaria, that she required • few days
of meditation and prayer, but after that pious exercise she
should return to Rome to her husband."
M. Fould left Paris on Thursday evening for
Marseilles, to be present at the inauguration to-morrow
(Sunday) of the Indo-China Packets, an undertaking over
which the Weider of Finance exercises • direct surveil.
lance, on account of the postal service which those packets
are to perform, and of the subvention paid by the state.
The Italian government has ordered pecuniary
assistance to be distributed to such of the amnestied pri-
soners as may be in want of the means of returning to
their families.
A letter from Madrid 'says :—" An accident took
place three days back on the Northern of Spain Railway,
and two of the guards were killed. Several passengers,
and among them the Countess de Montijo and other ladies
belonging to the Spanish aristocracy, received alight mutat-
sions."

Gold, 24 premium. Exchange advancing :
bankers' bills, 137 to 137 i. Stocks, advancing :
New York Central, 104 ; Illinois, 84 ; Erie, 54
QUEENSTOWN, Ocr. 17.
The Royal Mail steamship Scotia, from New
York on the Bth inst., arrived here at 1 p.m. to-day,
with 195 passengers and 1,301,624 dole. in specie.
She landed 84 sacks of mails and 16 passengers,
and proceeded immediately. All welL Although
she experienced severe weather, she has made the
posse in 8 days 16 hours.

A Spanish provincial journal records an extra-
ordinary instance of fecundity in the neighbourhood of
Grenada, where a woman gave birth to four boys, "all
well-formed and likely to live."
The Journal de Routn states that a number of
gentlemen have taken into serious consideration the pro.
ject of introducing fox-hunting into Normandy, with a view
to improving the breed of horses as well as for amusement.
A committee of landowner' is to be named to make the
necessary arrangements. It is proposed that the season
shall commence in November, and close in March.
Ellen Hanley, " The Colleen Sawn," was drowned
In the Lower Sistanoe, on either the 13th, 14th, or 15th
of July, 1819. Her body was washed oe shore at a place
celled Maw Point, sad it was interred in Barrens church.
yard, which is about a mile distant from Money Point. The
spot where the body was burred was unmarked by soy
tombstone, until recently ; but Mr. Beeves, cm whose pro-
perty the Barrens churchyard Is situated, has just erected
an friar mom to the Colleen's memory. It bean the simple
epitaph—" College Hawn, July. 1819."