Anderson Building, Loan Fund & Savings Ass'n No. 2 v. Hoppes
Anderson Building, Loan Fund & Savings Ass'n No. 2 v. Hoppes
Opinion of the Court
— This was a suit by the appellee against the appellants, to obtain the satisfaction of record of a certain mortgage, alleged to have been executed by Philip and Eliza Keller to the Anderson Building, Loan Fund and Savings Association No. 2, on certain real estate in the city of Anderson, of which the appellee claimed to be the owner. In his com
■ Several errors are assigned upon the record; but the appellant’s counsel, in their brief of this cause, have expressly limited their argument to the questions presented by the alleged error of the court in overruling their motion for a new trial. The point is made and pressed with much earnestness •and ability by appellant’s counsel, that the verdict of the jury was not sustained by sufficient evidence and was contrary to law. Before considering or passing upon this point, it is necessary, we think, that we should first give a summary at least of the pleadings in the cause.
In his complaint the appellee alleged, in substance, that •on the 11th day of February, 1875, Eliza Keller being then the owner of the real estate described in the complaint, she .and her husband, Philip Keller, executed a mortgage on such real estate to the appellant, the Anderson Building, Loan Fund and Savings Association No. 2, to secure the payment, when the same became due, of the sum of $1,000, which mortgage was recorded in the mortgage records of Madison county; that afterwards the mortgagors having failed to comply with the conditions of the mortgage, by reason of which the mortgage debt became due, the mortgagee instituted suit in the •court below to foreclose the mortgage; that upon the trial of such suit, afterwards had, there was a finding and judgment for the mortgagors, the Kellers, the defendants therein, and .against the mortgagee, the association, the plaintiff therein;
The appellant answered the complaint in this case in two1 paragraphs, of which the first was a general denial. In the second paragraph of its answer the appellant alleged, in answer to so much of the appellee’s complaint as demanded satisfaction of the mortgage to the appellant mentioned therein, that the alleged suit was instituted by the appellant for the foreclosure of its mortgage, for the reason that there were unpaid assessments, dues, interest and fines, claimed to be due it from the mortgagors, the Kellers, the defendants therein; that the note secured by the mortgage, by its terms, was not to be due until February 9th, 1883, unless there should be a failure to pay dues, assessments, fines or interest, as stated in the note and mortgage, and the rules, by-laws and constitu- ■ tion of the association; that the only pleadings in such suit were the complaint and the answer by a general denial; that the only issue in such suit, litigated and tried, was whether there had been any default in the payment of dues, fines, as
And the appellant averred that the court did not adjudge or decree that the mortgage debt was paid or satisfied, and did not decree or order the satisfaction of the mortgage; and that the debt secured by the mortgage was wholly unpaid, etc.
To this second paragraph of answer appellee replied by a general denial.
With this statement of the issues in the case in hand, we proceed now to the consideration of the sufficiency of the evidence to sustain the vex-dict. The first question which presents itself in considering the evidence is this: What was in issue, and what may be said to have been adjudicated in relation to the appellant’s mortgage from the Kellers in the suit mentioned in appellee’s complaint? The evidence tended to show that the suit in question was commenced by.the appellant agaixist the Kellers in the court below on the 27th day of September, 1876, more than six years before the note secured by the mortgage would have matured and become due, if its terms and conditions had been complied with by the Kellers; that the terms and conditions of the note were, that “in case the monthly interest, weekly dues, fines or assessments, or any part thereof, shall remain unpaid for three months after the same become due, then this note shall become due and collectible; but in case said interest and dues, fines or assessments shall be kept paid up, then the principal of this note shall become due in eight years from date,” etc.; that in the complaint in the suit mentioned it was alleged, among other things, that the defendants therein, the Kellers, had wholly failed and refused to pay the monthly interest on the note and mortgage and the amount secured thereby, and had wholly failed and refused to pay the weekly dues, fines, penalties and assessments according to the constitution and by-laws of said association, and the same had remained due and unpaid for more than three months next preceding the
Upon the evidence it is very clear, we think, that the only matter in issue in the suit mentioned in appellee’s complaint in this case was whether or not the defendants, the Kellers, at the time of the commencement of such suit were and had been for three months next preceding in default in the payment of the monthly interest, weekly dues, fines or assessments, or any part thereof. Under the issue joined in such suit, this was the only matter tried and adjudicated by the court, as shown by its finding and judgment therein, as the same were given in evidence. The payment and satisfaction bf the note and mortgage were not in issue in such suit, and, therefore, it can not be said, we think, that the finding and judgment of the court therein were, in any sense, an adjudication of the payment of the note, or of the satisfaction of the mortgage. When the court found, as it must have found, thát the defendants had not been in default for three-months preceding the commencement of the suit in the payment of the monthly interest, weekly dues, fines or assessments, or any part thereof, that w.as an end of such suit; and as to the matter thus found, but no other, the judgment of the court was a final and conclusive adjudication.
We are of opinion, therefore, that the finding of the court
The judgment is reversed with costs, and the cause is remanded with instructions to sustain the motion for a new trial, and for further proceedings not inconsistent with this-opinion.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.