414
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en which renewals are granted, the interest on the original
loan is increased enernously. The result is that when the
berrewer is at last brought before the Court the original
transaction in seldom gem into swing to the unwillingus DO
of the debtor to defend the action on ite merits. The
Court is powerless in the matter owing to the reluctance
of the defendant to give evidence, er absence of proof of
the previous transactions, and judgment is frequently given for a sum, which is several times as large as that erigimlly
borrowed.
It will, therefore, in my opinion be insufficient
to depend on a are statement of liabilities submitted by
an applicant for an advance – It will also be necessary to
examine every debt dues on a promissory note with a view to
finding out the original sum berrowed in each case. I am
afraid that may of the Members of the Subordinate civil
service are in debt none of them to such an extent as to
impair their efficiency, and that unlere some sotien is taken
to relieve them from their present financial embarrassmet
and to prevent then incurring debts in the future, they will centims to appear se defendants in the Summary Court and later in some cases in the Bankruptcy Court- Such a state
of affairs is net oreditable to the Subordinate Service, and the perpetual anxiety caused by the threat of proceedings must I am sure have a bad effect both on their health and
their work.
I propose in the first place that a Circular should be issued to loads of Departmente za drafted.
Becondly I think a Beard should be appointed which might consist of the Colonial Secretary (Chairman)
the Treasurer and Mr. Wodehouse - The Beard would consider
applicatiese fer advanoes and where necessary ezanine Indian money lenders and other crediters as to their claim- The applicants could also be heard- There would be mere freeden then in a Court and I de net think it would be necessary to