They generally consist of 5l. or 10l. notes, and are given to agents who sell them to the utterer, and the makers are not known to them. Knowingly to have in our possession a forged bank note, without a lawful excuse, the proof of which lies on the party charged, or to have forging instruments in our possession, is a criminal offence.
There are also forged notes of provincial banks, but these are not so numerous as those of the Bank of England. The provincial banks have generally colours and engine-turned engraving on their notes. Some have a portion of the note pink, green, or other colours, more difficult and expensive to forge than the Bank of England note, which is on plain paper with an elaborate water-mark.
Numerous cases occur before the criminal courts, where utterers of forged notes are convicted and punished.
A case of this kind was tried at Guildhall, in October, 1861. A marine-store dealer in Lower Whitecross-street was charged with feloniously uttering two forged Bank of England notes for 5l. and 10l., with the intent to defraud Mr. Crouch, the proprietor of the “Queen’s Head” tavern, in Whitecross Street.
The store-dealer had waited on him to get them exchanged. Mr. Crouch paid them to his distiller, who took them to the Bank of England, when they were sent back, detected as forgeries.
The prisoner was committed to Newgate.
Many forged notes of the Bank of England are now in circulation. They may be detected by wetting them, when the watermark disappears. The vignette is often clumsily engraved. In other respects the forgery is cleverly executed.
Cheques.—A cheque is a draft or order on a banker, by a person who has money in the bank, directing the banker to pay the sum named therein to the bearer or the person named in the cheque, which must be signed by the drawer. Cheques are generally payable to the bearer, but sometimes made payable to the person who is named therein. The place of issue must be named, and the check must bear the date of issue. A crossed cheque has the name of a banker written across the face of it, and must be paid through that banker. If presented by any other person it is not paid without rigid inquiry. The word banker includes any person, corporation, or Joint-Stock Company, acting as bankers.
The form of the cheque is seldom forged; it is generally the signature. Sometimes the body of the cheque that contains the genuine signature is forged. For instance, in a cheque for eight pounds the letter “y” may be added to the word “eight,” which makes it “eighty”; and a cypher appended to the figure “8” making it “80,” to correspond with the writing. The forms of cheques are frequently obtained by means of a forged order, such as A knowing B to have an account at a bank, A writes a letter to the banker purporting to come from B, asking for a cheque-book, which the banker frequently sends on the faith of the letter being genuine. Sometimes chequebooks are stolen by burglars and other thieves who enter business premises. By some device they get the signature of a person who has money in that bank, and forge it to the stolen cheques. It has been known for forgers who wanted to obtain money from a bank, to go to a solicitor whom they knew kept a bank account. One of them would instruct the solicitor to enter an action against one of his confederates for a pretended debt. After proceedings had been instituted the party would pay the amount claimed to the solicitor; and his companion, who had given instructions in reference to the action, then goes and gets a cheque for the amount, and by that means obtains the genuine signature, and is enabled to insert a facsimile of it in forged cheques. By this means he obtains money from the bank. Cases of this kind very frequently occur.
Sometimes forgeries are done by clerks and others who have an opportunity of getting the signature of their employer. They forge his name, or alter the body of the cheque. In many commercial houses the body of the cheque is filled up by the confidential clerk and taken to the head of the firm, who signs it. These forgeries are sometimes for a small sum, at other times for a large amount.
Several cases of uttering forged cheques were lately tried before the police-courts.
A respectable-looking young woman, who described herself as a domestic servant, was brought before the Lord Mayor, charged with uttering a cheque for 5l. 18s., purporting to be signed by Mr. W. P. Bennett, with intent to defraud a banking firm in London. She had recently been on a visit to London, and had been lent a small sum of money by another servant in town, along with some dresses, amounting to 10s. 6d.
On the 30th October the latter young woman received a letter from the prisoner, enclosing a forged cheque, and at the same time stating that a young man with whom she had been keeping company had died, and had given her this cheque to get cashed. If the servant could not get away to get the cheque cashed, the prisoner wished her to lend her what she was able, to go to the young man’s funeral. On presenting the cheque at the banker’s the forgery was discovered.
It appeared from the evidence that the prisoner had been lodging in the same house with Mr. Bennett, whose signature she forged.
A young man of respectable appearance residing in the neighbourhood of Fleet Street, was tried at Guildhall lately, charged with uttering a cheque for 6l., well knowing the same to be a forgery. He had gone to the landlord of a public-house in Essex Street, Bouverie Street, and asked him to cash it. It was drawn by Josiah Evans in favour of C. B. Bennett, Esq., and indorsed by the latter. The cheque was on Sir Benjamin Hayward, Bart., & Co., of Manchester. When presented at the bank, it was returned with a note stating that no such person had an account there, and they did not know any of the names. The criminal was then arrested, and committed for trial.
Forged Acceptance.—A bill of exchange is a mercantile contract written on a slip of paper, whereby one person requests another to pay money on his account to a third person at the time therein specified. The person who draws the bill is termed the drawer, the party to whom it is addressed before acceptance is called the drawee—afterwards the acceptor. The party for whom it is drawn is termed the payee, who indorses the bill, and is then styled the indorser, and the party to whom he transfers it is called the indorsee. The person in possession of the bill is termed the holder.
An acceptance is an engagement to pay the bill, the person writing the word accepted across the bill with his name under it. This may be absolute or qualified. An absolute acceptance is an engagement to pay the bill according to its request. A qualified acceptance undertakes to do it conditionally.
Bills are either inland or foreign. The inland bill is on one piece of paper; foreign bills generally consist of three parts called a “set”; so that should the bearer lose one, he may receive payment for the other. Each part contains a condition that it shall be paid provided the others are unpaid. These bills require to have a stamp of proper value to make them valid.
Forgeries of bills seldom consist of the whole bill, but either the acceptor’s signature, or that of the drawer, or the indorser. Sometimes the contents of the bill is altered to make it payable earlier.
These forgeries are not so numerous, and are frequently done by parties who get the bills in a surreptitious way. It often happens that one party draws the bill in another name, forging the acceptance, and passes it to a third party who is innocent of the forgery. If the person who forged the acceptance, pays the money to the bank where the bill is payable when it is due, the forgery is not detected. When he is not able to pay in the money it is discovered. It happens in this way: A B and C are commercial men, A stands well in the commercial world; B draws a bill in his name, and without his knowledge. The name of A being good, the bill passes to C without any suspicion. If B can meet it at the time it is due, A does not know that his name has been used.
If the bill is not paid at the proper time, C takes it to A, and thus discovers the forgery.
Forged Wills.—A will is a written document in which the testator disposes of his property after his death. It is not necessary that it should be written on stamped paper, as no stamp duty is required till the death of the testator, when the will is proved in court in the district where he resided. Th
e essentials are that it should be legible, and so intelligible, that the testator’s intention can be clearly understood.
If the will is not signed by the testator, it must be signed by some other person by his direction, and in his presence; two or more witnesses being present who must attest that the will was signed, and the signature acknowledged by the testator in their presence.
No will is valid unless signed at the foot of the page, or at the end by the testator, or by some other person in his presence, and by his direction. Marriage revokes a will previously made.
A codicil is a supplement, or addition to the will, altering some part, or making an addition. It may be written on the same document, or on another paper, and folded up with the original instrument. There can only be one will, yet there may be a number of codicils attached to it, and the last is equally binding as the first, if they are not contradictory.
Forgeries of wills are generally done by relations, who get a fictitious will prepared in their favour contrary to the genuine will. On the death of the supposed testator, the forged will is put forth as the genuine one, and the other is destroyed.
All parties expecting property on the death of a relative or friend, and finding none, should be careful to have the signatures of the witnesses examined, to test whether they are genuine; and also the signature of the testator.
Every will can be seen at the district court, where they are proved, on the payment of a shilling. Such an examination is the only likely method of detecting the forgery.
There are several other classes of forgery in addition to those already noticed, such as forging certificates of character, and bills of lading.
A case of the latter kind was recently tried at Guildhall. A merchant, near the Haymarket, and an artist also in the West-end, were arraigned with having feloniously forged and altered certain bills of lading; one of these represented ten casks of alkali amounting to the value of 84l., and another, twenty-six casks of alkali worth 140l., with the intention of defrauding certain merchants in London. All the bills of lading were with one exception to a certain extent genuine, that is, were filled up in the first instance. But after being signed by the wharfinger, they were altered by the introduction of words and figures, to represent a larger quantity of goods than had been shipped. The prisoners were committed for trial.
Number of cases of forgery in the metropolitan districts for the year 1860 27
Ditto, ditto, in the City 20
47
Amount of loss thereby in the metropolitan districts £ 254
Ditto, ditto, in the City 736
£ 990
CHEATS.
Embezzlers.
This is the crime of a servant appropriating to his own use the money or goods received by him on account of his master, and is perpetrated in the metropolis by persons both in inferior and superior positions.
Were a party to advance money or goods to an acquaintance or friend, for which the latter did not give a proper return, the case would be different, and require to be sued for in a civil action.
Embezzlement is often committed by journeymen bakers entrusted by their employers with quantities of bread to distribute to customers in different parts of the metropolis, by brewer’s draymen delivering malt liquors, by carmen and others engaged in their various errands. A case of this kind occurred recently. A carman in the service of a coal merchant in the West-end was charged with embezzling 6l. 1s. 6d. He had been in the habit of going out with coals to customers, and was empowered to receive the money, but had gone into a public-house on his return, got intoxicated, and lost the whole of his cash. He was tried at Westminster Police Court, and sentenced to pay a fine of 10l. with costs. This crime is frequent among this class. The chief inducements which lead to it are the habits of drinking, prevalent among them, gambling in beer-shops, attending music-saloons, such as the Mogul, Drury Lane, and Paddy’s Goose, Ratcliffe Highway, and attending running matches. Their pay is not sufficient to enable them to indulge in those habits, and this leads them to commit the crime of embezzlement.
Persons in trade frequently send out their shopmen to receive orders, and obtain payment for goods supplied to families at their residence, and are occasionally entrusted with goods on stalls. In June, 1861, a respectable-looking young man, was placed at the bar of the Southwark Police Court, charged with having embezzled 39l., the property of a book-selling firm in the Strand. He had been entrusted with a stall where he sold books and newspapers, and was called to account for the receipts daily. One day he neglected to send 8l., the receipts of the previous Saturday, and for other seven days he had given no proper count and reckoning. He admitted the neglect, and confessed he had appropriated the money. He was paid at the rate of 1l. 10s. a month, which with commission amounted to about 6l. or 7l.
A clerk and salesman in the service of a draper in Camberwell, was charged with embezzling various sums of money belonging to his employer. It was his duty each night to account for the goods he disposed of, and the money he received. One morning he went out with a quantity of goods, and did not return at the proper time, when his employer found him in a beer-shop in the Blackfriars Road. On asking him what had become of the goods, he replied he had left them at a public-house in the Borough, which was untrue. In the account-book found upon him it was ascertained that he had received several sums of money he had not accounted for.
A robbery by a young man of this class was very ingeniously detected a few weeks ago, and brought before the Marlborough Police Court.
A shopman to a cheesemonger in Oxford Street was charged with stealing money from the till. He had been in his employer’s service for ten months, and served at the counter along with three other shopmen. The cheesemonger having found a considerable deficiency in his receipts suspected his honesty, especially as he was in the habit of attending places of amusement, and indulging in other extravagances he knew were beyond his means. He marked three half-crowns, and put them in the till to which the young man had access. Soon after he saw the latter put in his hand, and take out a piece of money. He made an excuse to send the shopman out for a moment, and on examining the till, missed one of the marked pieces of money. He thereupon gave information to the police, and again placed money in the till similarly marked, leaving a police-officer on the watch. The shopman was again detected, he was then arrested, and taken to the police-station.
Many young men of this class are wretchedly paid by their employers, and have barely enough to maintain them and keep them in decent clothing. Many of them spend their money foolishly on extravagant dress, or associating with girls, attending music-saloons, such as Weston’s, in Holborn; the Pavilion, near the Haymarket; Canterbury Hall; the Philharmonic, Islington; and others. Some frequent the Grecian Theatre, City Road, and other gay resorts, and are led into crime. In one season eighteen girls were known to have been seduced by fast young men, and to become prostitutes through attending music-saloons in the neighbourhood of Tottenham Court Road.
Embezzlements are occasionally committed by females of various classes. Some of them, by fraudulent representations, obtain goods from various tradesmen, consisting of candles, soap, sugar, as on account of their customers. Some women of a higher class, such as dressmakers, and others, are entrusted with merinos, silks, satins, and other drapery goods which they embezzle.
A young married woman was lately tried at Guildhall, on a charge of disposing of a quantity of silk entrusted to her. It appeared from the evidence of the salesman of the silk manufacturer, that this female applied to him for work, at same time producing a written recommendation, purporting to come from a person known by the firm. Materials to the value of 5l. 15s. were given her to be wrought up into an article of dress. On applying for it at the proper time, he found she had sold the materials, and had left her lodging. While the work was supposed to be in progress, the firm had also given her 2l. 13s., on partial payment. She pleaded poverty as the cause of her embezzling the goods.
Parties connect
ed with public societies occasionally embezzle the money committed to their charge. The secretary of a friendly society in the east-end, was brought before the Thames Police Court, charged with embezzling various sums of money he had received on account of the society. The secretary of another friendly society on the Surrey side, was lately charged at Southwark Police Court with embezzling upwards of 100l. This society has branches in all parts of the kingdom, but the central office is in the metropolis. The secretary had been in their service for upwards of two years, at a fixed salary. It was his duty to receive contributions from the country, and town members; and to account for the same to the treasurer. He recently absconded, when large defalcations were discovered amounting to upwards of 100l.
A considerable number of embezzlements are committed by commercial travellers, and by clerks in lawyers’ offices, banks, commercial firms, and government offices. Some of them of great and serious amounts.
Tradesmen and others in the middle class, and some respectable labouring men, and mechanics, place their sons in counting-houses, or other establishments superior to their own position; these foolishly try to maintain the appearance of their fellow-clerks who have ampler pecuniary means. This often leads to embezzling the property of the employer or firm.
Crimes of this class are occasionally committed by lawyers’ clerks, who are in many cases wretchedly paid, as well as by some who have handsome salaries. Numerous embezzlements are also perpetrated in commercial firms, by their servants; some of them to the value of many thousand pounds.
A commercial traveller was lately brought up at the Mansion House, charged with embezzlement. It appears he travelled for a firm in the City, and had been above ten years in their service at a salary of 1l. 1s. per day. It was his duty to take orders and collect accounts as they became due. Some days he received from the customers certain sums and afterwards paid a less amount to the firm, keeping the rest of the money in his hands, which he appropriated. Another day he received a sum of money he never accounted for. He was committed for trial.
The London Underworld in the Victorian Period: Authentic First-Person Accounts by Beggars, Thieves and Prostitutes: v. 1 Page 43
