twelve o'clock
`` No , it is n't , '' said I , spreading out a document attached to the cards of receipt which Raffles had obtained from Teddy Garland ; these I had managed to extract without anything else from the inner pocket in which I had been trying to empty out Raffles 's envelope . `` Here , '' I continued , `` is a letter , written only yesterday , by you to Mr. Garland , in which you say , among other very insolent things : ` This is final , and absolutely no excuses of any kind will be tolerated or accepted . You have given ten times more trouble than your custom is worth , and I shall be glad to get rid of you . So you had better pay up before twelve o'clock to-morrow , as you may depend that the above threats will be carried out to the very letter , and steps will be taken to carry them into effect at that hour . This is your dead and last chance , and the last time I will write you on the subject . ' '' `` So it is , '' said Levy with an oath . `` This is a very bad case , Mr. Raffles . ''