to the Annuities was apparently prepared for some legal proceedings, and
is dated January 16, 1812:

"Lord Byron, to the best of his knowledge and recollection, in Dec.,
1805--January, 1806 applied to King, in consequence of an
advertisement in the papers, who acquainted Lord Byron that his
minority prevented all money transactions without the security of
competent persons. Through Mr. K. he became acquainted with Mr.
Dellevelly, another of the tribe of Israel, and subsequently with a
Mr. Howard of Golden Square.

"After many delays, during which Lord B. had interviews with Howard,
once, he thinks, in Golden Square, but more frequently in Piccadilly,
Mrs. M[assingberd] agreed to become security jointly with her
daughter. Lord B. knows Howard's person perfectly well, has not seen
him subsequent to the transaction, but recollects Howard's mentioning
to him that he, Lord B., was acting imprudently, stating that he made
it a rule to advise young men against such proceedings. Lord B.
recollects, on the day on which the money was paid, that he remained
in the next room till the papers were signed, Mrs. M[assingberd]
having stated that the parties wished him to be kept out of sight
during the business, and wished to avoid even mentioning his name.
Mrs. M[assingberd] deducted the interest for two years and a half, and
L100 for Howard's papers."

Two other Annuities were effected, in both of which Mrs. Massingberd
figured as a security, and in one the manager of Dorant's Hotel. It was
the interest on these minority loans which crippled Byron. Two were
still unpaid in 1817.]