THE pedlar tallyman is a hawker who supplies his customers with goods, receiving payment by weekly instalments, and derives his name from the tally or score he keeps with his customers. Linen drapery—or at least the general routine of linen-draper's stock, as silk-mercery, hosiery, woollen cloths, &c.—is the most prevalent trade of the tallyman. There are a few shoemakers and some household furniture dealers who do business in the tally or "score" system; but the great majority are linen-drapers, though some of them sell household furniture as well. The system is generally condemned as a bad ; as leading to improvidence in the buyer and rapacity in the seller. There are many who have incurred a tally debt, and have never been able to "get a-head of it," but have been kept poor by it all their lives. Some few, however, may have been benefited by the system, and as an outfit for a young man or woman entering service is necessary—when the parties are too poor to pay ready money—it is an

The system does not prevail to so great an extent as it did some years back. The pedlar or hawking tallyman travels for orders, and consequently is said not to require a hawker's licence. The great majority of the tally-packmen are Scotchmen. The children who are set to watch the arrival of the tallyman, and apprise the mother of his approach, when not convenient to pay, whisper instead of "Mother, here's the Tallyman," "Mother, here's the Scotchman." These men live in private houses, which they term their warehouse; they are many of them proprietors themselves in a small way, and conduct the whole of their business unassisted. Their mode of doing business is as follows:—they seldom knock at a door except they have a customer upon whom they call for the weekly instalment, but if a respectable-looking female happens to be standing at her door, she, in all probability, is accosted by the Scotchman, "Do you require anything in my way to-day, ma'am?" This is often spoken in broad Scotch, the speaker trying to make it sound as much like English as possible. Without waiting for a reply, he then runs over a programme of the treasures he has to dispose of, emphasising all those articles which he considers likely to suit the taste of the person he addresses. She doesn't want perhaps any—she has no money to spare then. "She may want something in his way another day, may-be," says the tallyman. "Will she grant him permission to exhibit some beautiful shawls—the last new fashion? or some new style of dress, just out, and an extraordinary bargain?" The man's importunities, and the curiosity of the lady, introduces him into the apartment,—an acquaintance is called in to pass her opinion upon the tallyman's stock. Should she still demur, he says, "O, I'm sure your husband cannot object—he will not be so unreasonable; besides, consider the easy mode of payment, you'll only have to pay a week for every pound's worth of goods you take; why it's like nothing; you possess yourself of respectable clothing and pay for them in such an easy manner that you never miss it; well, I'll call next week. I shall leave you this paper." The paper left is a blank form to be filled up by the husband, and runs thus:—"I agree on behalf of my wife to pay, by weekly instalments of upon every pound's worth of good she may purchase." This proceeding is considered necessary by the tallymen, as the judges in the Court of Requests now so frequently decide against him, where the husband is not cognisant of the transaction.

These preliminaries being settled, and the question having been asked what business the husband is—where he works—and (if it can be done without offence) what are his wages? The Scotchman takes stock of the furniture, &c.; the value of what the room contains gives him a sufficiently correct estimate of the circumstances of his customers. His next visit is to the nearest chandler's shop, and there as blandly as possible he inquires into the credit, &c., of Mr.——. If he deal, however, with the chandler, the tallyman accounts it a bad omen, as people in easy circumstances seldom resort to such places. "It is unpleasant to me," he says to the chandler, "making these inquiries; "but Mrs. —— wishes to open an account with me, and I should like to oblige them if I thought my money was safe." "Do trust them, and what sort of payers are they?" According to the reply—the tallyman determines upon his course. But he rarely stops here; he makes inquiries also at the greengrocer's, the beer shop, &c.

The persons who connect themselves with the tallyman, little know the inquisition they subject themselves to.

When the tallyman obtains a customer who pays regularly, he is as importunate for her to recommend him another customer, as he originally was to obtain her custom. Some tallymen who keep shops have "travellers" in their employ, some of whom have salaries, while others receive a percentage upon all payments, and do not suffer any loss upon bad debts. Notwithstanding the caution of the tallyman, he is frequently "victimised." Many pawn the goods directly they have obtained them, and in some instances spend the money in drink. Their many losses, as a matter of course, must make good. It therefore becomes necessary for them to charge a higher price for their commodities than the regular trader.

However charitably inclined the tallyman may be at , he soon becomes, I am told, inured to scenes of misery, while the sole feeling in his mind at length is, "I will have my money;" for he is often tricked, and in some cases most impudently victimised. I am told by a tallyman that he once supplied goods to the amount of , and when he called for the instalment, the woman said she didn't intend to pay, the goods didn't suit her, and she would return them. The tallyman expressed his willingness to receive them back, whereupon she presented him a pawnbroker's duplicate. She had pledged them an hour after obtaining them. This was done in a court in the presence of a dozen women, who all chuckled with delight at the joke.

The principal portion of the tallyman's customers are poor mechanics. When the appearance of the house, and the inquiries out of doors are approved of, no security is required; but the tallyman would at all times rather add a security, when attainable. Servant-girls who deal with tallymen must find the security of a housekeeper; and when such housekeeper agrees to be responsible for the payments, the same inquisitorial proceedings are adopted, in order to ascertain the circumstances of the surety. There are about drapery shops in London where the tallytrade is carried on; and about Scotchmen, besides others (part English, part Irish), are engaged in the trade. A clerk of a tally-shop, at the West-end, informs me that there are collectors and canvassers for customers, out each day, from that establishment; and that, until

The Scotchman who does not choose to extend his business beyond his own cautious superintendence, is content with smaller profits, perhaps per cent., and his bad debts may be estimated at per cent. of the body informed me that he had been in the tally-trade about years; that he commenced with a capital of only , and that now his collections average per week. He never bought, he said, on credit; and his stock on hand is worth nearly cost price, while his outstanding debts are nearly also. "This is a flourishing state of affairs," he remarked; "I do not owe a penny in the world, and I have accomplished all this in little less than years." This man had served his apprenticeship to a draper in Glasgow, and had originally arrived in London with in his pocket. After some weeks' fruitless endeavour to obtain a situation, his money dwindling away the while, he was advised, by a fellow-countryman, who was a tallyman, to try the tally-trade. For a few days previous to adopting the business, he went the "rounds" with his friend, for the purpose of getting initiated, and the week after started on his own account. Notwithstanding his having no hawker's licence, he tried to effect sales for ready money, and, to a trifling extent, succeeded. The week he obtained tally customers. He could have got, he said, a dozen; but he selected whom he considered good, and he was not deceived, for they continued to be customers of his to this day. The amount of goods that each of these took of him was ; and the instalments of each ( per week) the tallyman determined to subsist upon, though his lodging and washing cost him per week. He lived principally upon "parritch" and skim milk, indulging now and then in the luxury of a herring and a few potatoes. In weeks he had added only more credit customer to his books. He had hawked for ready money, and had succeeded so far as to increase his stock to in value. His customers had, by this time, paid their accounts, and again patronized him. In the course of a little time his customer had also paid up, and had another supply of goods; he then added more tally customers, and commenced indulging (though very seldom) in a mutton chop. He progressed slowly, and is now in flourishing circumstances. He states that he has met with only loss during his connection with the tally-trade, and that but a trifling . It is those who wish to drive a very extensive business, he says, who are principally victimised. The most industrious of the packmen tallymen seldom travel less than miles a day, carrying a burthen upon their backs of from to lbs. They used to carry merely patterns to their customers, but they find that the full- length article is more likely to secure purchasers and customers. Those who keep shops do not carry goods with them; the would-be customer is invited to the shop.

The best day for business in the tally-trade is Monday, and most of these shops upon that day are crowded. Sometimes an unsolicited customer (mostly a female) presents herself, and wishes to be supplied with goods on tally. "Who recommended you?" inquires the tallyman. "Oh, Mrs. ——, sir, a customer of yours." "Ah! indeed, very much obliged to Mrs.——," is the answer. The articles required are shown, selected, and cut. The new customer is treated most civilly by the tallyman, who further inquires her name and abode. The purchaser, of course, expects the next process will be to deliver up the parcel to her, when she is informed that they "will send it home for her." "Oh," she replies, "I won't trouble you, I can carry it myself." "Our rule, ma'am," returns the tallyman, "is always to send parcels home. We certainly cannot doubt your respectability, but we never deviate from our practice." The disappointed female departs, and if the inquiries do not prove satisfactory, she never hears further from the tallyman. The goods which she selected, and which were cut expressly for her, find their way to the shelves of the establishment. If, however, a good customer accompanies a friend whom she wishes to recommend, the parcels are delivered when purchased, if required. The tallyman (to good customers) often extends his civilities to a glass of wine; or, if the "Ladies" prefer it (which it must be confessed they mostly do), a glass of gin.

There is another class of tallymen who sell clocks, receiving payment by weekly instalments. These are content with an instalment of in the pound per week. They are principally Germans who can speak English. Their proceedings altogether are similar to the tally linendraper.

I have given the rise and progress of a Scotch tallyman, and will now relate the downfall of another—an Englishman. He commenced a tallyshop in the neighbourhood of ———, and was carrying on a prosperous and daily increasing trade. At time, a bill in the shop window announced that an errand boy was wanted—an applicant soon presented himself—was engaged, and proved a steady lad. In the course of a few weeks, this youth was promoted to the office of serving in the shop, and afterwards became collecting clerk. "George," said his master day, "we have days in the week unemployed; suppose you try and form a connection around Finchley, Highgate, Hampstead, and that neighbourhood." George was quite willing to make the experiment, and succeeded beyond expectation. The country connection soon surpassed the town trade; and George, the errand boy, became a man of some consequence in the establishment. The principal of the firm was what is termed "gay." He was particularly fond of attending public entertainments. He sported a little as well, and delighted in horse-racing. His business,

The cases are not a few where ruin has followed a connection with the tallymen. I will particularize instance related to me on good authority. A lawyer's clerk married, when young, a milliner; his salary was a guinea per week, and he and his wife had agreed to "get on in the world." They occupied furnished lodgings at , but soon accumulated furniture of their own, and every week added some little useful article towards their household stock. "At the end of a year," said the individual in question, "I had as comfortable a little home as any man would wish to possess; I was fond of it too, and would rather have been there than anywhere else. My wife frequently wished to obtain credit; 'it would be so easy,' said she, 'to pay a trifling instalment, and then we could obtain immediately whatever we might want.' I objected, and preferred supplying our wants gradually, knowing that for ready money I could purchase to much better advantage. Consequently we still kept progressing, and I was really happy. Judge my astonishment day, when I came home, and found an execution was in the house. My wife had run in debt with the tallyman unknown to me. Summonses had been served, which by some means she had concealed from me. The goods which I had taken so much pains to procure were seized and sold. But this was not all. My wife grew so much alarmed at the misery she had caused that she fled from me, and I have never seen her but once since. This occurred years ago, and she has been for some time the companion of those who hold their virtue of little worth. For some time after this I cared not what became of me; I lost my situation, and sunk to be a supernumerary for a night at of the theatres. Here, after being entrusted with a line to speak, I eventually rose to a 'general utility man,' at per week. With this and some copying, that I occasionally obtain from the law-stationers, I manage to live, but far from comfortably, for I never think of saving now, and only look out for copying when I stand in need of more money. I am always poor, and scarcely ever have a shilling to call my own."

Some of the principal establishments, "doing largely" in the tally-trade, are in or about and street, the higher part of , the vicinity of Tottenham-court-road, the Blackfriars, Waterloo, , St. George's, , New Kent, and Dover roads.

At some of these tally-shops horses and carts are kept to carry out the goods ordered of the "travellers," especially when furniture is supplied as well as drapery; while in others the "travellers" are resident on the premises, and are occasionally shopmen, for a "large" tally-master not unfrequently carries on a retail trade in addition to his tally-business.

The tallymen not concerned with these large establishments, but carrying on trade on their own account, reside generally in the quieter streets in the neighbourhood of the thoroughfares I have mentioned, and occupy perhaps the ground-floor, letting (for the house is generally their own) the other apartments. Sometimes a piece of cottonprint is placed in their parlour-window, and sometimes there is no indication whatever of any business being carried on within, for the hawking tallymen do not depend in any measure upon situation or display, but solely on travelling and personal solicitations at people's own residences.