During the Victorian era the custom of having a ‘respectable’ funeral was considered to be very important, as it was seen to be a great disgrace to have to apply for their loved one to be buried by the local workhouse guardians. These funerals consisted of the deceased being given a cheap, paupers funeral and buried in a communal grave. Consequently burial clubs, where working class people could pay a small amount each week to pay for a funeral became extremely popular. At a time of very high death rates, particularly among young children, it allowed parents to give them what was considered a decent send off. Most of these clubs started very informally by churches, public houses and trade unions where members would pay just a few pennies each week. When a relative of one of the members died, a lump sum would be given to them to pay funeral expenses, and in some cases buy suitable funeral clothes. The schemes were so successful that it was not long before larger and more formal organisations developed similar schemes, and it was one of those that came to the attention of the Rotherham magistrates in August 1844. The Society of the Grand United Order of Oddfellows had a burial club which ensured that member’s families were entitled to £10 upon death, and if a member’s wife had died, he would be paid £7 towards her funeral expenses. No one could anticipate that such society’s with such praiseworthy aims would become a breeding ground for abuse and fraud.
On 3 April 1844 at a meeting of Society members, a decision was made that £50 would be deposited in the Sheffield and Rotherham Banking Company, at the bottom of the High Street, Rotherham for that purpose. It was agreed that the money would be kept in the bank and only paid out for the benefit of the members of the local society. A man called Michael Steer had been appointed the district master of the Rotherham branch of the charitable Society, and the money was deposited by himself and two other members, John Handley and the secretary Thomas Wightson the following day. Despite his pride in his position and the respect for that august body, Steer could not resist a little thievery when the opportunity presented itself. Just over a month later on 28 May, Michael Steer went to the bank, and produced the passbook in which the account with the Society was held. He told the clerk that he was the district master and that he had been authorised to draw out £10 on account. (This small figure to us, equals a substantial amount of money in those days) He signed a cheque on behalf of the club, and the cash was given to him. When no enquiries had been made and it looked as if his unauthorised withdrawal had not been noticed, Steer couldn’t resist trying again. On 3 July he went to the bank and drew out another £10. Although no reason is given, by 2 August Steer was no longer the district master, although he claimed to be to the clerk, when he withdrew a third amount of £12. At the time he told the clerk that ‘he had a great deal of money to pay out on behalf of the company, but he hoped shortly to have some money to deposit’. Steer continued to be a member of the society, but he managed to cover his tracks so well that the fraud was not discovered until 10 August. The Rotherham police were informed and William Dyson a clerk at the bank was interviewed and he gave them a statement. He said that on 28 May, Michael Steer had produced the passbook, in which the account with the society was held, and said that he wanted to draw out some money. He continued:
‘I asked him if he was the president of the society and he answered that he was the district master, which I understood to be the same thing. He said that he had monies to pay out on account of the club. I gave him £10 and he signed a cheque on behalf of the club, which I now produce. On the 3 July he came again for a further £10. He produced the pass book and signed the cheque as before. On 2 August he came again, and said he wanted £12, as he had a great deal of money to pay out on account of the club. He told me that the funds were heavily laid upon, but that he hoped shortly to have money to pay in. If Steer had not produced the pass book, and assumed to have authority from the society to draw moneys, I should not have paid it to him; or if he had not signed the cheques on behalf of the United Order of Odd Fellows, I should not have paid him the money’.
On hearing Dyson’s evidence Steer was arrested by John Bland, the chief constable of Rotherham. He was charged with fraud from a bank using false pretences. Two days later on Monday 12 August 1844 the prisoner was brought into the Magistrates Court at Rotherham.
The first to give evidence was William Carson of Sheffield, who had been appointed the treasurer of the Society on 3 July 1844. He outlined the duties of a treasurer under the Society’s rules, and told the court that that ‘no part of the funds of the society could be taken out of the bank, without the treasurer’s sanction and consent’. Carson categorically stated that he had never authorised Steer to withdraw any money in the Society’s name, and that Steer was well aware of the rules. Another Society member, John Handley who had accompanied Steer when he deposited the initial £50, confirmed the previous witnesses testimony. Thomas Wightson of Masbrough, the secretary of the Order also confirmed that £50 had been paid into the bank on that day, and stated that the funds were to be used for funeral expenses only. The Chief constable of Rotherham John Bland next gave evidence that he had apprehended the prisoner on 10 August and when he asked Steer for the Society’s pass book, the prisoner told him that it had been sent to the headquarters in America. The magistrates took only a little time before finding the prisoner guilty, and committed him to take his trial at the next Sheffield Sessions
On Friday 13 September 1844, Michael Steer was brought before the Intermediate Sessions at the Town Hall in Sheffield. The prosecution was undertaken by Mr Wilkins and Steer was defended by Mr Pashley. Secretary, Mr Wightson told the court the nature of the offences and he produced the Society’s set of rules which he had printed out. Steer’s solicitor, Mr Pashley objected to the production of these rules on the grounds that they were the rules of the district office, and not those of the Grand United Order itself. The treasurer, William Carson stated that all the deposited money belonged to the district society only, and not the Grand Order. Therefore the money was only applicable to the payment of the funeral expenses of the Rotherham members and their wives. After much discussion on the subject, the chair of the magistrates decided that the district office must be treated as itself, an independent society. Magistrate Mr Overend said that:
‘an Act of Parliament was designed to give privileges and facilities to societies enrolled. They were therefore a partnership, having taken certain money for certain purposes, and the prisoner had taken a portion of that money, and applied it to his own purposes’.
Carson stipulated that the treasurer, the district master and the secretary were the only persons whose duty it was to pay in and receive any money out. On the 2 August the prisoner did not fill any of these offices, even though he fraudulently told the bank clerk that he was still the district master. When Carson was cross examined by Mr Pashley, the witness said that the district was in union with the United Order, but did not send in any accounts to it, except for the number of members and their names and addresses. There followed another legal discussion as to what was the heading in the pass book. Mr Pashley objected to this, but eventually it was stated to be ‘The Rotherham District of the Grand United Order of Oddfellows’. After much discussion on the rules of the Order, Carson admitted however that the prisoner had been the district master when the money had originally been deposited, but he ceased to hold office early in July. Thomas Wightson told the court that when the money was deposited in the Sheffield and Rotherham bank, Michael Steer was well aware that the money had been raised by contributions and was to be kept there solely for the benefit of the members of the society. He also knew that no member could draw the money out without the consent and the concurrence of the club and the passbook was kept in the club box.
Member John Handley gave evidence that he had accompanied Steer and the others to deposit the money in the bank, and they had been told to call in the following day for the pass book. It was arranged that the prisoner and the secretary should collect the pass book, and it would be deposited in a locked box to which only the two of them had the key. Bank clerk William Dyson once again gave evidence of the prisoner withdrawing money from the account on three different occasions. He produced the cheque which the prisoner had signed. Although the prisoner had told him he was the grand master, he had not added the words to his signature. Dyson said that he had entered the withdrawal into the pass book, as he was required to do and which the prisoner had then taken it away. Mr Bland gave his evidence and in particular repeated the remark that the prisoner had made about the pass book being in America, before being cross examined by the defence. He was asked what he thought the prisoner meant by this statement, and Mr Bland replied that he thought it meant that the book had been destroyed. Mr Pashley maintained that there had been no prior notice given, and therefore the prisoner was not obligated to produce the book. Therefore he suggested that his answer was merely a refusal.
The magistrate J W Bagshawe Esq., summed up in great detail on the complicated nature of the evidence. He stated that there was no doubt that the prisoner had committed the crime, nevertheless the Order itself was in part to blame. The magistrate said that they should have required the signatures of several persons when paying in or withdrawing funds for their own protection, and in order to prevent such a fraud happening again. The jury took little time to find the prisoner guilty and in passing sentence Mr Bagshawe told Steer:
‘You have been found guilty of obtaining money under false pretences, and it appears there are other indictments against you which the counsel for the prosecution has withheld, being satisfied that a conviction in one case will meet the ends of justice. The offence is of a very serious character. You have taken the money of 300 person who have suffered because of your conduct. They were combined in a meritorious and praiseworthy object, that of assisting each other in case of funerals, and the injury you have inflicted on them is very great indeed. However it does not appear that you carried your false representations to the extent you might have done. In that case you would have been more guilty than you are; but you have still used a false pretence, of which you have been found guilty. Had you shown more craft in your representations to the bank, or had the society taken proper precautions to prevent such a fraud, the court would have passed a more severe sentence then it will do so under present circumstances. We should have dealt with you more severely, but we think the Society in some degree culpable in allowing just one person to draw money from the bank. The sentence of the court is that you be imprisoned in the House of Correction for six months’.
Before Michael Steer left the court, the prosecution, Mr Wilkins asked the Treasurer Mr Carson to ensure that a full investigation be carried out by the Order, and that they improve their banking arrangements. He suggested that at the very least the Society should have the person withdrawing any money be accompanied by another official. He also blamed them for not informing the bank of the names of the only authorised persons who were allowed to draw out money on the Society’s behalf. The treasurer, Mr Carson, said that it was now it was a very public matter, and for the sake of public protection he would ensure that the matter would be fully investigated.
The burial club system only died out following the many other cases of abuse and mismanagement, like the Rotherham case of Michael Steer. Some of the abuses were carried out by parents themselves, who might enrol their sick child in several of these clubs. After the death, with little enquiry, the burial club officials would pay out, without the knowledge of the others clubs involved. It was also suggested that parents might neglect their sick child in the hope of gaining money from such clubs. There were even cases of murder uncovered when victims were enrolled in such clubs without their knowledge by fraudulent relatives. (see chapters on ‘The Wicked Wives of Wix’ in my book ‘Messengers of Death’) So many deaths resulted from these clubs, that by the end of the Victorian era the government had to enforce stricter legal control over such clubs until they eventually died out.