Frederick Merrick White (1859-?) wrote a number of novels and short stories under the name Fred M. White, including the six 'Doom of London' science-fiction stories, in which various catastrophes beset London. These include The Four Days' Night (1903), in which London is beset by a massive killer smog; The Dust of Death (1903), in which diphtheria infects the city, spreading from refuse tips and sewers; and The Four White Days (1903), in which a sudden and deep winter paralyses the city under snow and ice. These six stories all first appeared in Pearson's Magazine, and were illustrated by Warwick Globe.
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"Surely, my dearest girl, the meaning is plain enough. These bloodsuckers often masquerade under different names, and, without us knowing it, all this time Baines and Douglas & Co. are one and the same man. It is a favorite dodge of these scoundrels. They lend some poor devil money, and call it in suddenly. At the same time he gets a circular from the same rascal, in another name, and he flies to him for assistance. Oh, it has been done a thousand times. And now you understand. When I was replying to Douglas & Co. I was really addressing Joseph Baines. And, without appearing himself, he was actually lending me his own money. This is his revenge for those articles I wrote in my paper. You see how cunningly he lured me into the trap. He knew I could not find the money at a moment's notice, and he thinks he has ruined me."
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