âThere are only four. Here is a man who needs only enough money to buy a loom and he might ransom his family from this prison.â
âSurely there are relief societies to help just such a person,â said Mr. Pleasant, averting his gaze from the hollow eyes of the mother, who cradled her children in her lap.
âWhy, certainly,â said Scrooge cheerfully. âThe Society for the Relief of Distress undertakes just such endeavours.â
âWell, we had best contact them,â said Mr. Portly.
âThey are a bit shy of funding at the moment,â said Scrooge. âIt seems the bank refused payment on a fifty-pound donation just this morning. A mere fraction of that would have saved this family.â
âYou donât mean to say,â said Mr. Pleasant, âthat they will . . .â
âI am but the ghost of this yearâs Christmas,â said the Spirit, breaking his silence. âI cannot tell what is to pass on Christmases yet to come. Yet I would be surprised if any of my younger brothers ever meet these souls.â
Mr. Pleasant opened his mouth as if to remark on this prediction, but before he could speak, the Spirit had once again taken hold of his hand, and that of his companion, and the dungeon fell away beneath them. They found themselves standing in a narrow paved yard hemmed in by high walls duly spiked at the top. From this yard they passed into a small cell, which, though its occupant was a prisoner, was luxurious in comparison to the home they had just left behind. In one corner stood a simple wooden bedstead and next to it a stool and a writing desk, on which lay a few sheets of paper. From a small window high in one wall a hint of daylight filteredinto the room. Seated on the stool was a man in ragged clothes with dishevelled hair, scratching away with a quill.
âI know this man!â cried Mr. Portly. âOr I know what he was, for the last time I saw him his hair was kempt, his cravat exquisite, and the sheen fresh on his breeches.â
âWhy, of course,â said Mr. Pleasant. âHe was a customer of the bank. That is, he . . . he . . .â And Mr. Pleasant stuttered into silence as he dragged the depths of his mind for the details of the prisonerâs long-forgotten business with the bank.
âHe was a debtor,â said Mr. Portly slowly. âHe owed ten shillings and sixpence and came to the bank for a loan of the sum.â
âIndeed,â said Mr. Pleasant, the memory swimming to the surface from the murky past. âWe could do nothing to help him, of course, but such a small debt must have easily been repaid.â
âMust it?â asked the Spirit, with a wink at Scrooge.
âHis debt was repaid, to be sure,â said Scrooge. âAnd the ten and six he borrowed from a moneylender has compounded, as of today, into three hundred and sixteen pounds, eight shillings, and twopence.â
âOh, he shall never be able to pay such a debt,â said Mr. Pleasant, who now had a clear picture of the manâs past financial irresponsibility before him.
âIndeed, it seems unlikely,â said Mr. Portly, peering overthe manâs shoulder. âHe seems to do nothing but write letters to acquaintances asking for assistance. Heâs not likely to keep pace with the interest in that manner.â
âSome useful occupation is what he should pursue,â said Mr. Pleasant.
âAnd what useful occupation would you have him pursue here in debtorsâ prison?â asked Scrooge, his voice tinged with impatience. âWhat useful occupation could he possibly pursue when his interest is compounded at a rate that would make you and Mr. Portly paupers in six monthsâ time? And to think what a small sum would have saved him once.â
âWould have saved him?â said Mr. Portly quietly. âDo you mean to say there is no hope whatsoever?â
âThat is not