The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1905-03-04
BARNEY JOY
V|CT|M|zED
He WAS Another One
of FuiIerton's
Clients.

pOS VI Ihe matter Vi uSury charges, mas
been handed to the Advertiser. The
man who makes it is a police officer.
whose misfortunes have gotten him into
the tolls:
Ny name is Francis Barney JOY. and
] am a police officer of the Territory
of Hawaii, serving on the mounted DO
lice L know one James E. Fullerton
d money lender, in the Territory of
Hawaii
In 1902, in either the month of Feb
ruary or March, borrowed from said
Fullerton the sum of $40. Fullerton
told me that L must pay him ten per
cent per month interest on said loan
didn't know anything about the law
and thought this was the correct
amount to charge. l paid him 81
month thereafter until 1 resigned from
the police force about the 9Th of June.
1902 I remained off the force until
July, 1903, when L was reappointed.
On September 80, 1903 L met Fuller
ton on the street, and he stopped me
and asked me to come over to his Of
flee. When L got there, he asked me
to settle the amount 1 owed him; told
him that 1 could not do SO. He then
wrote out a note for $50, and turning
it over to me asked me to sign it. [
asked him, How is it that it has grown
so large? A couple of months ago you
told me 1 owed you $35.'' And he said
that the interest had gone up so high.
He said, THAT is the way I do bust
ness; L have to pay five per cent per
month on the money I borrow and I
have to make a little myself" L sign
ed the note for $50, not knowing what
else to do. being unable to pay him
anything at that time.
/ never borrowed any money from
him except the $50 L first received from
him. =
On the 31st day of December, 1903,
when 1 went to the Police Station TO
draw my pay, 1 was informed that
there was no pay for me; that Fuller
ton had stopped my warrant. 1 having
endorsed blank warrant to him.
went to FulIerton's office and asked him
about it. don't remember ever hav-
ing signed a blank warrant, and, If L
did, 1 must have signed it without
knowing what it was for. 1 had never
intended assigning my pay to him, and
he had never asked me to do so. am
not used to money transactions in bust
ness, and thought Fullerton was hon
est and was treating me correctly, so
when he asked me to sign papers, did
so, thinking it was all right
After leaving the Police Station,
went right over to Fullerton's office
and aked him what he meant by soak
ing my warrant. He said that / had
assigned my warrant over to him; re-
piled that 1 never did such a thing He
said, Certainly you did. He had
never Informed me before this that had
FIaF1 EII1
that if 1 would make an agreement with
him. for Mr. Dow to hold back $50 a
month of my salary, that he would
release my salary for this month. L
had absolutely nothing to live on, so
T agreed Fullerton then made out an
agreement for me to sign, addressed TO
Mr. Dow agreeing to pay $50 month
to Fullerton. Then we went to the Po-
lice Station, where we saw Mr. DOW,
and Fullerton gave me back $50, Keep
ing $50 for himself. Fullerton INFORM
ed me at this time that owed him S9''
the debt having risen from $50 to thal
figure. When Fullerton deducted the
$50 from my salary, he drew up ne"
note for sS47O, which he told me 10
sign. 1 asked him how he maze II
sS4.7O and he said that my payment OF
500 had reduced the old note TO S'' anu
that $40 more was for addltionaI IN
terest. -.
On January 30. I paid Fullerton slo'
leaving a balance of 500 due hllh- ui
lerton added Sc to this amount Tor III
terest. making a new note for the total
,r,oun+ of SIS. which 1 signed. The |
next month 1 was only able to pay |
I1,ue,ton s1o. Fullerton then made me /
sign a new note for ST., after adding 80 /
interest to the balance left after the |
navment on the SIS note. 1 was I'M
ahIa to nay Fullerton any more until
Juna 1904 although Fullerton press
cd me every month for a settlement
Finally i'm June when he was pressing
me for payment, 1 told hlIl' Aoh
here Fullerton. I will raise 500 anu
pay you if you will call 1t square AL
7 got from YOU is $40. 1 will never De
ahIe RI nav YOU as long as I live. as
the amount keeps growing SO Las.
He refused to settle for $50, ana ulo
not know what 1 could do, as 1t was
useless for me to keep on "or hihS
with this claim hanging over NY Aee'"'
I told Fullerton that 1 would sue nm
and he told me to go aheao'
saw Mr.. Charles Chillingworth, the
Deputy Sheriff at that time. he saiu
If was usury and he would see ne
could not fix it, He spoke TO Judge
Lindsay about it. Afterwards Mr..
C,hiIiingworth told me he would get
lawyer to look after my interest ouC
never heard anything further from
him. Later 1 saw the High Shellih
and asked him if 1 could not DO soiiie
thing to rid myself of this claim VI
Fullerton: it was growing all the Iiiile
The High Sheriff asked me II slshe
the note, and told him, hes' ~
done So He told me then Ihal
We afraid that he could not do any
thing after I had signed the note IN
bIacI and white and that the best
+bino, RI do was to make a settlement
with him. So I borrowed $40 and PAID
him he accepting this in full payment