Cornelius swirled the brandy round in his glass while he collected his thoughts.
‘As you are well aware, each of the five people I have named has at some time in the past asked me for a loan. I have never required anything in writing, as I have always considered the repayment of these debts to be a matter of trust. These loans range from PS100,000 to my brother Hugh to purchase the lease for his shop - which I understand is doing quite well - to my housekeeper Pauline, who borrowed PS500 for a deposit on a secondhand car. Even young Timothy needed PS1,000 to pay off his university loan, and as he seems to be progressing well in his chosen profession, it should not be too much to ask him - like all of the others - to repay his debt.’
‘And the second test?’ enquired Frank.
‘Since Millie’s death, each of them has performed some little service for me, which they have always insisted they enjoyed carrying out, rather than it being a chore. I’m about to find out if they are willing to do the same for a penniless old man.’
‘But how will you know …’ began Frank.
‘I think that will become obvious as the weeks go by. And in any case, there is a third test, which I believe will settle the matter.’
Frank stared across at his friend. ‘Is there any point in trying to talk you out of this crazy idea?’ he asked.
‘No, there is not,’ replied Cornelius without hesitation. ‘I am resolved in this matter, although I accept that I cannot make the first move, let alone bring it to a conclusion, without your cooperation.’
‘If it is truly what you want me to do, Cornelius, then I shall carry out your instructions to the letter, as I have always done in the past. But on this occasion there must be one proviso.’
‘And what might that be?’ asked Cornelius.
‘I shall not charge a fee for this commission, so that I will be able to attest to anyone who should ask that I have not benefited from your shenanigans.’
‘But …’
‘No “buts”, old friend. I made a handsome profit from my original shareholding when you sold the company. You must consider this a small attempt to say thank you.’
Cornelius smiled. ‘It is I who should be grateful, and indeed I am, as always, conscious of your valued assistance over the years. You are truly a good friend, and I swear I would leave my entire estate to you if you weren’t a bachelor, and if I didn’t know it wouldn’t change your way of life one iota.’
‘No, thank you,’ said Frank with a chuckle. ‘If you did that, I would only have to carry out exactly the same test with a different set of characters.’ He paused. ‘So, what is your first move?’
Cornelius rose from his chair. ‘Tomorrow you will send out five letters informing those concerned that a bankruptcy notice has been served on me, and that I require any outstanding loans to be repaid in full, and as quickly as possible.’
Frank had already begun making notes on a little pad he always carried with him. Twenty minutes later, when he had written down Cornelius’s final instruction, he placed the pad back in an inside pocket, drained his glass and stubbed out his cigar.
When Cornelius rose to accompany him to the front door, Frank asked, ‘But what is to be the third of your tests, the one you’re convinced will prove so conclusive?’
The old solicitor listened carefully as Cornelius outlined an idea of such ingenuity that he departed feeling all the victims would be left with little choice but to reveal their true colours.
The first person to call Cornelius on Saturday morning was his brother Hugh. It must have been only moments after he had opened Frank’s letter. Cornelius had the distinct feeling that someone else was listening in on the conversation.
‘I’ve just received a letter from your solicitor,’ said Hugh, ‘and I simply can’t believe it. Please tell me there’s been some dreadful mistake.’
‘I’m afraid there has been no mistake,’ Cornelius replied. ‘I only wish I could tell you otherwise.’
‘But how could you, who are normally so shrewd, have allowed such a thing to happen?’
‘Put it down to old age,’ Cornelius replied. ‘A few weeks after Millie died I was talked into investing a large sum of money in a company that specialised in supplying mining equipment to the Russians. All of us have read about the endless supply of oil there, if only one could get at it, so I was confident my investment would show a handsome return. Last Friday I was informed by the company secretary that they had filed a 217 order, as they were no longer solvent.’
‘But surely you didn’t invest everything you had in the one company?’ said Hugh, sounding even more incredulous.
‘Not originally, of course,’ said Cornelius, ‘but I fear I got sucked in whenever they needed a further injection of cash. Towards the end I had to go on investing more, as it seemed to me the only way I would have any chance of getting back my original investment.’
‘But doesn’t the company have any assets you can lay your hands on? What about all the mining equipment?’
‘It’s all rusting away somewhere in central Russia, and so far we haven’t seen a thimbleful of oil.’
‘Why didn’t you get out when your losses were still manageable?’ asked Hugh.
‘Pride, I suppose. Unwilling to admit I’d backed a loser, always believing my money would be safe in the long run.’