Frustrated at being thwarted by Lady Verinder in every respect, Cuff has lost interest in the investigation and retreats to the garden to discuss roses with the Gardener. Franklin wanders around the house, lamenting and wondering at Rachel's mistreatment of him. He lights up a cigar, lamenting the fact that he ever quit smoking for Rachel.
Lady Verinder's carriage returns from Frizinghall, and the groom brings in a letter for Franklin and a letter for Betteredge. Betteredge's letter reports that news of Rosanna's suicide has no effect on Rachel, who swears she had never had a private conversation with Rosanna. Rachel has also sworn that she owes no debts and that she does not have possession of the diamond. Rachel has said to her mother, "The day will come when you will know why I am careless about being suspected, and why I am silent even to you." Lady Verinder's letter commands Betteredge to give a check to Cuff and dismiss him respectfully from the case. Betteredge reads the letter to Cuff and gives Cuff the generous check.
Cuff prepares to leave for London. Cuff predicts three things to Betteredge: that he will hear from the Yollands after they receive a letter from Rosanna on Monday, that he will hear of the three Indians again in London if Rachel goes to London, and that he will hear something of the London moneylender, Septimus Luker, who had been acquainted with Rosanna. The Gardener and Cuff leave the grounds, still discussing roses.