Baker v. Northwestern Guaranty Loan Co.

36 Minn. 185 | Minn. | 1886

Berry, J.

November 20,1884, Menage executed to defendant certain notes, and, to secure the same, mortgages of lands owned by him, conditioned for the payment of the notes in five years. November 28,1884, Menage conveyed the lands to Walcott, subject (as expressed in the deed of conveyance) to the mortgages mentioned. April 23, 1885, defendant “sold and assigned” the notes and mortgages to Menage. July 8,1885, Menage assigned a portion of the notes and mortgages to Pitman. January 21, 1886, Pitman reassigned the same *186to Menage, and thereafterwards Menage “sold and reassigned” all' the notes and mortgages to defendant.

The effect of these transactions is this: In legal substance, Walcott’s purchase was of a right or equity of redemption. He took subject to the mortgages, so that he is to be regarded as having purchased upon the basis of deducting the amount of the mortgages from the full price or value of the lands, and paying the remainder as the-consideration of his deed. As between Walcott and Menage, this-state of facts made the lands the primary or principal fund for the-payment of the mortgages. Stillman v. Stillman, 21 N. J. Eq. 126; Welton v. Hull, 50 Mo. 296; Greenwell v. Heritage, 71 Mo. 459; Baker v. Terrell, 8 Minn. 165, (195.)

The equity of this conclusion must be apparent, for it is in exact accordance with the contract of the parties, and any other would permit Walcott not only to take and hold what he never purchased, but to do so in disregard of the express terms of his purchase. Authorities supra. Of course, if Menage saw fit, by his voluntary act, to relieve the lands of the charge of the mortgages for Walcott’s benefit, and for the purpose and with the intent of making him a gift to that extent, it would be entirely competent for him to do so, so far as his own rights were concerned; but this concession does not trench upon what we have said above.

But it is contended that the assignment of his own notes and mortgages to Menage operated as payment and discharge of the same. This might be so at law, but equity, disregarding forms and strictly legal consequences, will work out a different result, and one consonant with the real purposes and intentions of the party, if necessary to protect his interests, and save his just rights. The cases in which it will do this are many. A familiar one is that in which it refuses-to treat an equitable as merged in a legal estate in the same hands,, and vice versa. Davis v. Pierce, 10 Minn. 302, (376;) 2 Story, Eq. Jur. (13th Ed.) § 1035b, and notes; Bisp. Eq. § 160. For this as well as other analogous cases, see Stantons v. Thompson, 49 N. H. 272; also Adams v. Angell, 5 Ch. Div. 634; and for an application of the same general principle to the keeping alive of franchises re*187verted to the state, see First Division, etc., R. Co. v. Parcher, 14 Minn. 224, (297.)

For analogous reasons, in the case at bar, as, under his conveyance to Walcott, Menage has the right to insist that, as between them and their privies, the lands are the primary and principal fund for the payment of the mortgages, equity will uphold the mortgages, and keep them on foot, even in Menage’s hands, for the purpose of preserving this right, and making it available. See authorities first cited, especially Baker v. Terrell. That this would be in accordance with Menage’s intention in purchasing his own notes and mortgages, and having them assigned to him, is sufficiently inferable from the fact of purchase and assignment, the fact that the purchase and assignment were made before the mortgages were due, and from Menage’s-relation to the mortgages after his conveyance to Walcott, and his consequent interest in keeping them alive. See Davis v. Pierce, supra, and First Division, etc., R. Co. v. Parcher, supra.

Upon this branch of the case our conclusion is, then, that the mortgages were not discharged or extinguished by their purchase by and assignment to Menage, but still remained in force, though in his-hands, so that, as against Walcott and the plaintiff, who is his privy, claiming only under him, it was competent for Menage to transfer them unimpaired to the defendant.

This brings us to the second ground of demurrer: that the defendant, a corporation, does not, in its answer, show that it was authorized or had capacity to acquire the liens which it claims under the mortgages mentioned. That it is a “corporation, organized, existing, and acting under and pursuant to the laws of Minnesota,” and so was at the time of the transactions in question, is admitted by this-demurrer. With the admission we are inclined to believe that, prima facie, the defendant would be presumed (Pringle v. Woolworth, 90 N. Y. 502, 509) to have been acting within its corporate power, and legally, in dealing with the mortgages, as some corporations are authorized to do under the laws of the state. But, however this may be, if the acts of the defendant in dealing with the mortgages are ultra vires, that is the concern of the state, not of a private person not a stockholder, like the plaintiff. National Bank v. Matthews, 98 U. S. *188621; National Bank v. Whitney, 103 U. S. 99; Merchants' Nat. Bank v. Hanson, 33 Minn. 40, (21 N. W. Rep. 849.)

Order affirmed.