chunk: Trotty carries a note for Cute to Sir Joseph Bowley MP, who dispenses charity to the poor in the manner of a paternal dictator. Bowley is ostentatiously settling his debts to ensure a clean start to the new year, and berates Trotty because he owes a few shillings to his local shop which he cannot pay off. Returning home, convinced that he and his fellow poor are naturally ungrateful and have no place in society, Trotty encounters Will Fern, a poor countryman, and his orphaned niece, Lilian. Fern has been accused of vagrancy and wants to visit Cute to set matters straight, but from a conversation overheard at Bowley's house, Trotty is able to warn him that Cute plans to have him arrested and imprisoned. He takes the pair home with him and he and Meg share their meagre food and poor lodging with the visitors. Meg tries to hide her distress, but it seems she has been dissuaded from marrying Richard by her encounter with Cute and the others.