That afternoon, Franklin lets himself into Bruff's house the back way and enters the room in which Rachel is.

Rachel looks shocked to see Franklin. She approaches him trembling ,and Franklin embraces her and begins kissing her face. Rachel recovers and shoves him away, calling him a coward for taking advantage of her weakness for him. Franklin asks what he has done to deserve this insult, and Rachel is indignant, stating that she has "suffered the consequences of concealing" his crime.

Franklin explains his discovery of the nightgown to her and asks her if Rosanna showed her the nightgown. Rachel is angry at what she perceives as his pretended innocence—she reveals that she saw him take the diamond with her own eyes. Franklin protests that he does not remember and asks her to describe the scene. Rachel explains that she was out of bed and going into her sitting room for a book, when she saw Franklin come into the sitting room with bright eyes and a guilty expression. She saw him take the diamond, think for a few minutes, then leave. The next morning, Rachel had written Franklin a letter offering him a loan for his debts. Before she could deliver it, the theft of the diamond was discovered, and Rachel heard news that Franklin was leading the search to find it. Rachel made up her mind that Franklin was a false man, audaciously intent on pretending innocence. Rachel adds that she does not believe Franklin now in his assertions of his innocence.

Franklin is nearly unable to control himself and his anger. Instead, he tries to leave, but Rachel holds him back. She admits that she "can't tear [him] out of [her] heart, even now!" and that she "despises" herself as much as him. Franklin vows to prove his innocence and walks out. Rachel calls after him that she forgives him and asks for his forgiveness. Franklin is unable to speak and turns only to show her this before he leaves.

Analysis

Ezra Jennings is a remarkably strange character and is introduced at a remarkably strange time—in the middle of Franklin's and Betteredge's reading of Rosanna's letter. This, combined with the strong impression that Jennings makes on Franklin, should indicate to us that Jennings will be a recurring and important upcoming character. His reappearance at the railroad station only reinforces this impression. Finally, his connection to Mr. Candy, who was a guest at Rachel's birthday dinner the evening the diamond was stolen, suggests that he may figure in the solving of the mystery.

Although he did not continue reading it at the time, Franklin reproduces Rosanna's letter for us in the text as Betteredge reads it silently to himself. Franklin, as the editor, has eventually read the letter and reproduces it in a contradictory footnote, much in the same way that Franklin contradictorily footnoted Miss Clack's narrative. Here, the dispute is over Rosanna's recounting of a scene in which she was hiding in the shrubbery for Franklin. Franklin informs us that he really didn't see her at all but simply remembered at that precise moment that he had to meet with Lady Verinder. This type of unlucky misunderstanding seems to have characterized all of the interactions between Rosanna and Franklin and to have led to Rosanna's eventual tragedy. This type of blatant coincidence or misunderstanding stands out as particularly random and tragic in a detective novel, in which, eventually, each effect will be neatly traced to its cause.