“Very well, Owen,” he said. “Tell His Highness that I’ll do what I can.”
The admiral’s profound relief showed on his face. “Very good. Very good indeed.” He rubbed his hands together. “What can we do to help?”
“I should like to examine Gladiator immediately,” Charles said. “I shall require the assistance of a veterinarian. One who can be trusted,” he added.
“Done,” the admiral replied promptly. “And I shall ask Jack Murray to be in touch with you. Use him in any way you see fit.” He held out his hand. “We’re grateful, Charles, and we wish you Godspeed in your invesigation. I suspect that more hangs on this than we know.”
It was a prophetic statement.
CHAPTER SIX
It is the borrowers who seek the money-lender, and not he who goes to them. If they think his terms too high, they can decline them and go elsewhere. The usury laws have long since been abolished, and if the money-lender is not generous, it must be recollected that he is carrying on business at very considerable risk, and must exercise care in the way he thinks best suited to his own interest, which of necessity precludes any great regard for the interests of others.
Reminiscences of the Turf, 1891 William Day
Henry Radwick had no intention of jostling his way through the London-bound mob on the railway. He had taken a room at the Red Horse Hotel just off the Epsom High Street, a small and exclusive accommodation which served exceptional food and excellent wine and whose proprietress, Mrs. Stanley, was possessed of considerable personal attractions. After the hurly-burly of the afternoon-the noisy crowds, that dreadful fracas at the corner, and the disaster that had taken out Ricochet-Henry was looking forward to a hot bath, a quiet dinner, and Mrs. Stanley’s company. He would return to Mayfair at a decent hour tomorrow, where no doubt those who found themselves unable to settle their accounts at Tattersall’s would already be waiting for him.
In the century shortly to come, people would look back at Henry Manford Radwick, in his heyday, as one of the most successful men of his time. By choice and by circumstance, he was a member of a group known as the Sixty Per Schenters, the notoriously predatory London moneylenders. But Henry Radwick stood apart from the group, a self-assured, self-made man who lived well and proudly at Number 4 Hill Street, Berkeley Square. His house was large and as opulently appointed as any marquis’s, and he enjoyed a fine table and an equally outstanding cellar. And although Henry (whose father had been a hatter in Horsham) was not invited to the homes of the aristocracy, his own generous hospitality was much enjoyed by their younger sons, and occasionally by the fathers and mothers and sisters as well (although these latter sought him out secretly, by a door that opened into the back garden).
Henry was of middle age and height, with brown hair, carefully but not ostentatiously dressed, by temperament congenial and affable, and by manner courteous and charming-until he was pushed into a corner or until something he valued was threatened, in which case his fiery temper had been known to get the better of him. But in most circumstances, Henry managed to hold himself in check. He had built his successful enterprise upon his charm, his congeniality, and his ability to mix easily with the rich young gentlemen of the Turf, who often rather freely anticipated their fortunes. He offered them friendship and advice, rejoiced in their victories, sympathized with their losses, and smiled gently at their follies. Accordingly, when these young men found themselves financially embarrassed, it was the most natural thing in the world for them to call at Number 4, drink a glass of Henry’s Madeira, and confide the latest scrape. For his part, Henry was always ready to offer a little something until the tide turned, so long as the security was acceptable.
Of course, Henry relied for his business success on the fact that the first “little something” would not be the end of it, for once begun, the habit of borrowing became an addiction, as sure as opium. An advance of a few thousand pounds, and then perhaps ten, and after that fifteen, would eventually be multiplied by accumulated interest and expenses into a staggering sum; and in time, the title deeds of an ancestral estate would pass from the hands of the luckless borrower into Henry’s personal account.
In this way, Henry Radwick had gained hold of Mansfield Park, one of the loveliest estates in Northampton, and how many equal to it, no one would ever know. Not that he cared for these estates for their own sake, or for the countless works of art, jewels, and other valuable considerations that had come into his hands over the years. And not that he cared for the money, either, beyond what was needed to maintain his way of life. Simply put, Henry Radwick, bitterly conscious of his low birth and resentful of the social rejections he continually suffered thereby, was a man who kept score. Each famous estate, each fabulous painting, each fine horse that came into his possession was one more evidence of his incontestable superiority over the weak, muddled aristocrats who couldn’t hold on to their fortunes. He felt much the same about his women, as well, and once he had selected one for his attentions, he felt a kind of jealous passion for her, not because he loved her, but because she was his, and a mark of his achievement.
Henry’s pleasure in his preeminence over weak-minded fools was fueled by the widespread acknowledgment of his astuteness and sharp dealings. While he could have made most loans out of his pocket, he preferred to use other people’s capital, offering ten percent when the current interest rate stood at one or one and a half. He could afford this attractive rate, for his charge to strangers was sixty percent, rising occasionally to five hundred percent. To friends, on the other hand, he was willing to extend a not unreasonable twenty, and sometimes, depending on the relationship, much less. Henry had many friends, of course-and not a few enemies. While his business arrangements began in friendship, they had a way of ending in acrimony, for when people did not fall in with his plans, he had a tendency to give in to his temper.
Just now, however, nothing untoward disturbed him. He had accomplished both his bath and his dinner and was awaiting Mrs. Stanley’s return to the Red Horse’s private drawing room, his hands folded over his slightly stout middle. This agreeable anticipation was interrupted, however, by someone’s clearing a throat and a tentative “Er, Radwick, old chap.” Henry looked up to see Lord Reginald Hunt standing in the door, his hat in his hand and a hangdog look on his face.
Henry did not show his annoyance at this intrusion, or demand to know how the devil Hunt had sniffed him out here. At the moment, he felt only contempt for the man standing before him, who had so obviously had a bad day. He smiled and gestured to the chair Mrs. Stanley had left.