Barnaby Thistlewick, a Harengon Cleric — D&D 5e NPC portrait
#0280

Barnaby Thistlewick

"The Creditor"

Harengon Cleric (Life Domain) LE Lvl 9 Guild Artisan (Healer's Guild)

Male, he/him · Elder, approximately 68 years

Ability Scores

STR
10
+0
DEX
14
+2
CON
16
+3
INT
15
+2
WIS
20
+5
CHA
16
+3

Combat

Armor Class
15
Breastplate armor
Hit Points
97
Hit Dice: 13d8
Initiative
+2
Speed
30 ft.
Proficiency
+5
Passive Perception
20

Attacks

Needle and Thread+91d4+5 piercing plus 3d8 radiant
Sacred FlameDC 17 Dex save3d8 radiant

Personality

Personality

Speaks in soft, measured tones with the patience of someone who knows you'll eventually come around. Never raises his voice, never shows anger—only disappointment. Keeps a small leather journal where he records every favor given and owed, updating it with fountain pen strokes between conversations. Has a habit of clicking his tongue thoughtfully while examining wounds, as if appraising the value of the life before him. Always offers tea before discussing terms.

Ideal

Order through obligation. A society where everyone owes everyone else is a society that cannot tear itself apart. Chaos is cruelty; my ledger is mercy.

Bond

The Thistlewick Ledger—a massive tome containing forty years of debts, favors, and obligations spanning three provinces. It is both his life's work and his insurance policy. If something happened to Barnaby, the ledger would be unsealed, and thousands of secrets would spill into very uncomfortable laps.

Flaw

Cannot forgive a broken promise or unpaid debt. Once someone defaults on their obligation, Barnaby becomes relentlessly vindictive, using every scrap of leverage he possesses to ensure they suffer consequences. His patience is infinite until you breach the contract—then it evaporates like morning dew.

Backstory

Barnaby Thistlewick was once an ordinary battlefield medic during the Warren Wars, where he discovered something profound: a life saved is a life owned. He watched commanders waste their soldiers like copper pieces, and saw the desperate gratitude in dying eyes when he arrived with bandages and prayers. That gratitude, he realized, was the most powerful currency in existence. After the wars, Barnaby took his vows not to serve the gods, but to master the divine gift they offered—the power to hold death at bay, to decide who lives and who doesn't.

He established the Thistlewick Sanctuary, a humble chapel and hospice where the sick and wounded come seeking miracles. And miracles he provides, never asking for coin, only for small favors. A merchant's son gets his fever broken, and suddenly Barnaby knows which cargo ships avoid inspection. A noblewoman's husband survives a riding accident, and the Creditor gains whispered intelligence from the manor. A street urchin's infected wound closes cleanly, and Barnaby acquires eyes and ears in every gutter. His ledger is impeccable, his memory perfect, and his collection methods are gentle as a lullaby and inevitable as winter.

The defining moment came when a rival healer accused Barnaby of exploitation before the city council. Barnaby simply smiled, stood, and asked the room: 'How many of you would be here without my needle and thread?' Fourteen hands rose. The accuser was escorted out, and Barnaby returned to his work, humming an old warren-song about the patient fox. He doesn't see himself as cruel—quite the opposite. He has created a beautiful, intricate web of obligation where everyone knows exactly where they stand, and no debt goes unpaid. In Barnaby's world, chaos is the only sin, and he is the architect of perfect, ordered dependency.

Abilities & Actions

Creditor's Bargain (3/Day)

When Barnaby uses a spell slot to restore hit points to a creature, he may mark that creature with a glowing golden rune visible only to him. Until the creature completes a favor for Barnaby (as determined by him), he knows the creature's exact location and emotional state within 1 mile. Additionally, if the marked creature attempts to harm Barnaby or knowingly act against his interests, they must succeed on a DC 17 Wisdom saving throw or be paralyzed by overwhelming guilt for 1 minute (can repeat the save at the end of each turn). The mark fades once the favor is completed to Barnaby's satisfaction.

Life Investment

Barnaby's Disciple of Life feature is enhanced. When he casts a spell of 1st level or higher that restores hit points, the target regains additional hit points equal to 3 + the spell's level (instead of 2 + the spell's level). Additionally, when he uses Preserve Life, he can extend the healing range to 60 feet and restore up to 7 times his cleric level in hit points (instead of 5 times).

The Ledger's Weight (1/Day)

Barnaby produces his leather-bound journal and reads aloud a litany of unpaid debts and broken promises. Each creature of his choice within 30 feet that can hear him must succeed on a DC 17 Wisdom saving throw or be overwhelmed by the psychic weight of obligation. Affected creatures take 4d8 psychic damage and have disadvantage on attack rolls and ability checks for 1 minute. Creatures who have previously received healing from Barnaby have disadvantage on this saving throw. On a successful save, creatures take half damage and suffer no additional effects.

Soul-Gem Appraisal (Ritual)

Over 10 minutes, Barnaby can touch a dying or recently deceased creature (dead no more than 1 hour) and crystallize a fragment of their life essence into a translucent soul-gem. This gem pulses with golden light and can be consumed by Barnaby or another creature as an action to regain 2d8+5 hit points and gain advantage on death saving throws for 24 hours. Barnaby keeps a wicker creel containing 1d4+2 such gems at any given time. Creating a gem prevents the creature from being resurrected by any means short of a Wish spell unless Barnaby willingly destroys the gem.

Needle and Thread

As a bonus action, Barnaby can produce his silver surgical needle and make a melee spell attack (+9 to hit, reach 5 ft.) against a creature he has previously healed. On a hit, the target takes 1d4+5 piercing damage plus 3d8 radiant damage, and Barnaby regains hit points equal to half the radiant damage dealt. The needle glows with soft golden light when used against marked creatures, and the attack is made with advantage against anyone who owes Barnaby a debt.

DM Notes

Barnaby's voice is soft and grandfatherly, with just a hint of a wheeze—imagine someone's kindly uncle explaining compound interest. He frequently uses phrases like 'Now, now, let's not be hasty,' and 'We're all reasonable folk here.' His signature gesture is adjusting the golden scale piercing in his folded ear while listening, as if literally weighing what he's hearing. When pleased, he clicks his tongue and makes a small note in his ledger with a satisfied nod. When disappointed, he simply closes the ledger slowly, looks up with sad, patient eyes, and says, 'I had such hopes for you.'

His deal-breaker is defaulting on a promise. Cross Barnaby once, and he will spend years—decades if necessary—engineering your ruin with the same gentle patience he uses to stitch wounds. He never threatens, never blusters. He simply... remembers. And when the time comes, you'll find that the merchant who was your lifeline suddenly won't see you, or the magistrate who owed you a favor has retired, or your letters of credit are mysteriously worthless. Barnaby collects debts the way a spider collects flies: inevitably, inescapably, and with a craftsmanship that borders on artistry.

Use him as a healer the party desperately needs, who seems almost too generous—until they realize every bandage comes with invisible strings. He's perfect for moral dilemma scenarios: save the villain Barnaby healed (who now owes him) and face his wrath, or let them escape and wonder what favor they just enabled? His reaction to genuine altruism is mild confusion followed by pity, as if watching a child refuse payment for something valuable.