Downs v. Planters Bank
Downs v. Planters Bank
Opinion of the Court
delivered the opinion of the court.
The plaintiff in-error was sued by the Planters Bank as the indorser of a promissory note, made by Abijah Downs, payable and negotiable at the Planters Bank, at Natchez. The only question in the case is as to the sufficiency of the notice to charge the indorser.
On the trial, the plaintiff below Offered the record made by the notary who protested the note, the notary having died before the trial. Prefixed to the note was a designation of the places at which the several parties would receive notice, the
“ That the plaintiff must show that the notice was put in the post office, at Natchez, in time to go out by the first mail of the day succeeding the protest.
“ The plaintiff must show all the facts necessary to charge the indorser without leaving anything to intendment of inference.”
The court did instruct the jury, amongst other things, that notice of protest must be shown to have been put in the post office, at Natchez, in time to go out by the first mail of the day succeeding the protest, if the first mail of that day did not leave at an unusually early hour; that whether the notice was properly sent, the jury are to judge from all the facts and circumstances in the case, and if they believe from them that the notice was properly sent, they must find for the plaintiff, and, if not, then for the defendant. That they were to weigh the evidence and decide according to the preponderance of proof; to the giving of which instructions, and the refusal to give those asked, defendant excepted, and a verdict being found against him, he moved for a new trial, because the judge misdirected the jury,
It is not necessary that we should decide on every point which is presented by the record and insisted on in the argument. If there be good grounds for reversing the judgment on errors which are beyond doubt, it will be unnecessary for us to attempt to settle such points as may be more questionable. We think the verdict was contrary to law and evidence, and that it should therefore be set aside.
In order to constitute a sufficient notice to charge an indorser, if it is to be sent by mail, it must, at furthest, be put into the post office in time to go by the mail of the day next succeeding the protest, if there may be a mail which goes on that day, and, if not, then by the first mail which goes afterwards. The holder need not put the notice in the office pn the same day the note is protested, but he must on the next day in time for a mail of that day, unless it leaves at an unreasonably early hour. Chitty on Bills, 10 ed. 484. 3 Kent’s Com. 105-6. 17 Mass. Rep. 449. 20 J. R. 372. 2 Wheaton, 377. 3 Con. Rep. 489. 17 Maine Rep. 381. Story on Bills, 315.
This rule has never been departed from in this country in any case which has fallen under my notice, although there seems to have been some countenance to a different one in England, particularly in the case of Hawkes v. Salter, 4 Bingham, 715. Chancellor Kent, in a note to his commentaries, has cited this and some other cases, and concludes that the rule is enlarged by them, but I apprehend that the large majority of cases will be found to correspond with the rule which prevails in this country.
It is also a rule of law that the plaintiff must prove everything which is necessary to charge an indorser. The contract of an indorser is strictly conditional. He undertakes to pay if the maker does not, provided he is duly notified of the demand and refusal. These are conditions precedent to his liability, and there is an obligation on the holder to make the demand
According to these rules it will be apparent that the court gave rather too much latitude in the charger It is also apparent that the evidence did not justify the verdict.
The notary states that the notices were served the 22d of October, at nine o’clock, A. M. If it be admitted that “ served” means sent by the mail, the indorser having resided at a distance, this does not amount to an affirmative, showing that the notice was put in the office in time for the first mail, or any mail of that day. It is quite probable that the mail left before that hour; but it will not do to rest on probability. To make
For these reasons the judgment must be reversed and a new trial granted.
Reference
- Full Case Name
- A. C. Downs v. The Planters Bank
- Status
- Published