Hibernia Savings & Loan Society v. Thornton
Hibernia Savings & Loan Society v. Thornton
Opinion of the Court
Upon a former appeal in this case (Hibernia etc. Soc. v. Thornton, 109 Cal. 427; 50 Am. St. Rep. 52), a judgment in favor of the plaintiff for the amount of the promissory note sued on was reversed. After this reversal the cause was again tried upon the issues presented by the original pleadings
The rule is firmly established in this state that an action cannot be maintained upon a promissory note secured by a mortgage, independent of an action to foreclose the mortgage. The respondent does not dispute this proposition, but seeks to uphold the judgment by reason of certain averments in the answer. It is alleged in the answer that the note sued upon was given in renewal of former notes executed by Elizabeth O’Neill to the plaintiff in transactions relating to the purchases of real estate by her for her own account, and “that for the purpose of securing the payment of said several promissory notes the said Elizabeth O’Neill made, executed, and acknowledged, and delivered to the plaintiff, its officers, agents, attorneys, and servants, her several and respective indentures of mortgage upon her said separate real estate so acquired and owned by her.” It is contended by the respondent that by this averment the defendant has supplied the defect in the complaint which was requisite to entitle the plaintiff to recover, and has thereby authorized a judgment in foreclosure as fully as though such judgment had been originally sought by the plaintiff, citing in support thereof Cohen v. Knox, 90 Cal. 266; Shively v. Semi-Tropic L. & W. Co., 99 Cal. 259, and other cases.
The rule invoked by the respondent does not, however, have any application to the present case. The allegation in the answer is not of a fact which supplies the omission of the plaintiff to aver such fact in the complaint, or which helps out a defective allegation in the complaint, but is of a fact which negatives the plaintiff’s right to maintain the action set forth in its complaint. The plaintiff seeks by the complaint herein to recover a general-money judgment upon a promissory note, and not to subject any particular property to sale therefor. No par
The case of Harden v. Ware, 5 Pac. Coast L. J. 317, cited by the respondent, cannot be regarded as an authority for the proposition contended for by the respondent, since, after the opinion there given was filed, a rehearing in the cause was granted, and subsequently, without any further action by this court, the appeal was dismissed upon the stipulation of the parties.
The judgment is reversed.
Garoutte, J., and Van Fleet, J., concurred.
Reference
- Full Case Name
- HIBERNIA SAVINGS AND LOAN SOCIETY v. R. S. THORNTON, etc.
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- 5 cases
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- Syllabus
- Mortgage—Action upon Note.—An action cannot be maintained upon a promissory note secured by a mortgage, to obtain a general money judgment upon the note, independent of an action to foreclose the mortgage. Id.—Answer—Plea op Mortgages—Foreclosure Not Aided—Defense to Action.—An answer in an action upon a note, setting up that the note was given in renewal of former notes given by the defendant for purchases of real estate from the plaintiff, for which several and respective mortgages were given, without describing any mortgaged premises, or averring that any particular mortgage secured the note sued upon, does not aid the complaint on the note, or authorize the foreclosure of any mortgage by the plaintiff; but sets up facts which negative the right of the plaintiff to maintain the action. Id.—Proof of Mortgage—Improper Judgment.—In the action upon the notes, the plaintiff cannot be allowed to prove one of the mortgages referred to in the answer, and claim a foreclosure thereof; and a judgment awarding such foreclosure must be reversed. Pleading—Aider of Complaint by Answer—Cause of action.—The rule that a defective complaint may be aided by the answer, is confined to the case where the answer affirmatively alleges the very fact that is missing from the complaint to make it sufficient; an insufficient complaint cannot be aided by an averment in the answer, which, if alleged in the complaint, would not state a cause of action.