THE Revd Herbert Williams deserves the best thanks of the clergy for his public-spirited action in exposing the methods of moneylenders. It is a common practice with these to address to clergymen letters, expressed in the most alluring terms, with offers of immediate pecuniary help to any who may be for the moment embarrassed by debt or by a shortage of cash. These offers are only too often accepted, with the miserable result that the receivers find themselves encumbered with a weight of interest and the necessity of repayment of the loan. Mr Williams, receiving one of these seductive epistles, asked for further particulars. In return he was asked for particulars of himself. These he refrained from furnishing, and he awaited developments. He had not long to wait. A banknote for £50 speedily arrived. Placing this on deposit in a bank, he informed the money-lenders of what he had done, and challenged them to take legal proceedings for its recovery. The action they brought against him resulted in his being ordered by the Court to return the note, and in his being mulcted in costs, though on the lower scale. His failure to make the money-lenders suffer for their rashness in sending him the money is of less importance than the publicity that has been given to the highly objectionable methods which are employed by the profession to take advantage of people of small means who happen to be in a tight corner, and may be tempted eagerly to seize what appears to be a kindly offer of relief. We suggest to the clergy that the waste-paper basket is the proper receptacle for the literature of the money-lenders' profession.