http://www.greatoceanliners.net/oceanic2.html

The following from the above site.

In 1914, war was declared between Britain and Germany, and the Admiralty required merchant vessels to participate in the hostilities. The Oceanic, who had made her last voyage to New York in July, was commissioned as an 'Armed Merchant Cruiser'. The Admiralty, with no experience in handling such large ships as the Oceanic, appointed the Royal Naval Captain W. F. Slayter to command the ship. As some sort of precaution, Oceanic's own captain Henry Smith was present on the ship.

To have an inexperienced captain proved to be foolish. On September 8, when the Oceanic was three miles off Foula Island (twenty miles west of the Shetland Islands) Captain Smith told Captain Slayter that he had moved the ship too close to land, when trying to pass the to ground her as the current was moving rapidly. Captain Smith was overruled by the naval captain, who insisted on a tight schedule.

Due to this the ship was taken out of course by Mother Nature and grounded on the Hoevdi Rocks in the Shaalds. Since the people on board the Oceanic were stuck on the ship, help was called for and the small trawler Glenogil came to assist and transferred some 400 men to other ships now present. Attempts to pull the ship off the rocks failed, and two weeks later the sea began to handle the Oceanic badly. She was declared a total loss, and all salvage thoughts were abandoned. No one of the two captains was blamed, but D. Blair, the ship's navigator, was held responsible for the sad event. After this accident, the Admiralty changed their procedures so that the merchant fleet would have their own captains when in the Admiralty's service, and that no ship should never have two captains.