^{page 197 note 1} 12 Anne, st. 2, c. 16.

^{page 198 note 1} 13 Geo. III, c. 63, s. 30.

^{page 198 note 2} 14 Geo. III, c. 79, ss. 1 and 2.

^{page 198 note 3} The Hon. John Spencer, whose son afterwards became the first Earl Spencer. Complete Peerage, ed. G.E.C.

^{page 198 note 4} Chesterfield and Janssen, 2 Ves. Sen. 125.

^{page 198 note 5} For the wording of a “Post Obit Bond,” see A Practical Treatise on the Law of Bonds, by Edwin Tyrrell Hurlstone, 1835, p. 156.

^{page 199 note 1} Abraham Janssen was the eldest son and heir of Sir Theodore Janson or Janssen, Bart., of Wimbledon, Co. Surrey, and a merchant of London, who had been M.P. for Yarmouth from 1717 until he was expelled in 1721 as being one of the Directors of the South Sea Company, in the collapse of which in 1720 he was ruined. See the Complete Baronetage, ed. G.E.C. Abraham Janssen, who was M.P. for Dorchester 1720–22, succeeded to the Baronetcy in 1748 and is described as a Baronet in a Chancery order relating to the case of Chesterfield and Janssen, see P.R.O., Chancery Orders, 1750, A, 168.

^{page 199 note 2} Chesterfield and Janssen, 2 Ves. Sen. 125, 1 Atk. 301, 1 Wils.286.

^{page 200 note 1} Commentaries on the Law of England, 16th edition (1825), Vol. II p. 457.Google Scholar

^{page 200 note 2} Cf. the Bubble Act, 6 Geo. I, c, 18.

^{page 201 note 1} 17 Geo. III, c. 26, repealed and replaced by 53 Geo. III, c. 141, which was repealed in 1854 by 17 & 18 Vic, c. 90.

^{page 201 note 2} “Usury and Annuities of the Eighteenth Century,” L.Q.R., Oct., 1928.

^{page 201 note 3} See P.R.O., Close Roll 6483 (No. 31), printed in Publications of the Selden Society; Select Cases concerning the Law Merchant, vol. III, 1932, p. 131, and P.R.O., Close Roll 6521 (no. 17).

^{page 202 note 1} See L.Q.R., Oct., 1928, pp. 488 et seq.

^{page 202 note 2} From the Morning Post and Daily Advertiser for Thursday, 2nd January, 1777.

^{page 202 note 3} Published in 1777. My copy bears in manuscript, “by ye Rev^d. R. Shepherd to H. S. from ye Author.”

^{page 203 note 1} Ibid., p. 32.

^{page 203 note 2} Cf. the names in the lists of Bankers for 1776, 1778 and 1779 given in A Handbook of London Bankers, by F. G. Hilton Price, 1876, and the names of grantees (or buyers) of Annuities in P.R.O., Index, no. 1316, for the years 1777–85.

^{page 203 note 3} Cousin of Philip Dormer Stanhope, Earl of Chesterfield, whom he succeeded in 1773. Complete Peerage, ed. G.E.C.

^{page 203 note 4} P.R.O., Close Roll 6519 (no. 103).

^{page 203 note 5} Ibid., 6679 (no. 14).

^{page 203 note 6} See Handbook of London Bankers, supra. Lists for 1771 onwards until 1788.

^{page 203 note 7} “Presumably acquired by merchandise” according to a note in the Complete Baronetage, ed. G.E.C.

^{page 203 note 8} The Bill was read a third time on 12 May, 1777, and the Royal Assent was given on 16 May that year. See the Commons Journals. The first enrolment under the Act is dated 31 May, 1777. See P.R.O., Close Roll 6483 (no. 80).

^{page 204 note 1} P.R.O., Close Roll 6483 (no. 60).

^{page 204 note 2} See Editor's note to the Memoirs of William Hickey, ed. Alfred Spencer, 1913.

^{page 204 note 3} L.Q.R., Oct., 1928.

^{page 204 note 4} 17 & 18 Vic. c. 90: “An Act to repeal the Laws relating to Usury and to the enrolment of Annuities.”

^{page 205 note 1} Defence of Usury, 2nd ed., 1790. The date 1816 given by Dicey as the date of publication of this work was the date of publication of the 3rd edition.

^{page 205 note 2} Essay on the Law of Usury, 1804, pp. 82—3.

^{page 205 note 3} Life of Benjamin Robert Haydon, Historical Painter, from his Auto-biography and Journals, edited and compiled by Tom Taylor, 1853, Vol. I, p. 318.

^{page 205 note 4} By Lord Carson's Bill, ordered to be printed 24 February, 1925, sec. 3 (1), maximum rate of interest to be 15 per cent., and sec. 3 (3), on loans of less than £20, 10 per cent.

By Mr. Wells' Bill ordered to be printed 2 March, 1925, sec. 7, interest above 20 per cent, to be deemed to be harsh and unconscionable. This rate crept up to 4 per cent, per month in Lord Carson's Bill as amended by the Joint Select Committee.

^{page 206 note 1} Benson and Parry, quoted at p. 70 of Mark Ord's Essay on the Law of Usury, 1804.

^{page 206 note 2} In Auriol and Thomas, 2 Term Rep. 52.

^{page 206 note 3} See A. Andréadès, History of the Bank of England, in the preface by H. S. Foxwell; T. Tooke's History of Prices, Vol. III, 1840, pp. 138 et seq.; T. E. Gregory, British Banking Statutes and Reports, 1832–1928, Introduction to Vol. I, and the evidence of Mr. G. W. Norman before the Select Committee of the House of Lords on Interest of Money, 1841, pp. 1 et seq.

^{page 206 note 4} 3 & IV Will. IV, c. 98, s. 7.

^{page 206 note 5} 7 Will. IV and I Vic., c. 80.

^{page 207 note 1} British Banking, Statutes and Reports, supra, Vol. I, pp. xxx and xxxi. See also Annual Register, 1837, p. 174; 1839, p. 289, and 1857, p. 218.

^{page 207 note 2} Memoirs of William Hickey, ed. A. Spencer, Vol. III, p. 391.

^{page 207 note 3} 3 Geo. I, c. 9, s. 16.

^{page 207 note 4} See the Bubble Act, 6 Geo. I, c. 18, and also 8 Geo. I, c. 15, s. 25, and James Allan Park: A System of the Law of Marine Insurances with three chapters on Bottomry, etc., 1817, Vol. II, pp. 615 et seq.

^{page 208 note 1} 3 Geo. I, c. 8, s. 39.

^{page 208 note 2} 2 Blackstone, 997.

^{page 209 note 1} Reported at p. 998, 2 Blackstone.

^{page 209 note 2} 9th edition at p. 52.

^{page 210 note 1} “The leading cases on this subject are Gilpin and Enderby, 5 B. & Ald. 954, and Fereday and Hordern, Jac. 144.”