1. The single special ground of the motion for new trial assigns error upon the failure of the court to write out the possible verdicts in the case when requested by the jury so to do. Code § 110-103 provides as follows: “The judges of the superior courts shall, upon request of the jury, in the trial of all civil cases, furnish said jury with written instructions as to the form of their verdict.” After the jury had deliberated, they returned and the foreman of the jury requested that the verdicts be written but. In response to questions by the court, the foreman stated that they had agreed on a verdict, and wanted the court to read the verdicts submitted; that the foreman would state which one it was and then the court would write it out, which was done. Since the foreman stated that the jury had already found “with the auditor”, and the jury was polled as to the verdict reached, any error in failing to write out the verdict in favor of the defendant and “against the auditor” was harmless to movant, and would not be a ground of a motion for new trial, such as to authorize the reversal of the case, since error, to be harmful, must be accompanied by injury.
Chapman
v.
Walden,
183
Ga.
395, 398 (
2. As to the general grounds of the motion for new trial on the plea of non est factum, four witnesses testified that they were familiar with the defendant’s signature, and that in their opinion
*475
the signature was that of the defendant. One witness testified, as to the customer’s agreement, that the defendant had himself returned it signed to the office, and had on subsequent occasions gone over it with the witness, was familiar with it, and had never denied that he executed it previously to the filing of this action. Other signatures were introduced for purposes of comparison. “A non-expert witness, under the Civil Code (1910) § 5835 [§ 38-708] is competent to testify as to his belief in the genuineness or falsity of the signature to a writing, who will swear that he knows or would recognize the handwriting of the person purporting to have signed., The sources of the witness’s knowledge go to his credit and the weight of his evidence.”
Finch
v. Hayes,
3. A special demurrer was interposed to the plaintiff’s petition on the ground that no bill of particulars was thereto attached. The petition as amended set out the customer’s agreement under which plaintiff acted as the defendant’s broker, and substantially set forth the items with which the defendant is charged. It is also alleged that there is a credit due defendant which reduces the sum owing from $5,870 to $3,536.10. There was no demurrer to this allegation, and the special demurrer, the overruling of which is assigned as error, is solely on the ground that no bill of particulars is attached to the petition. Exception was also taken to the auditor’s report finding as a matter of law in favor of the plaintiff, and to the entry of a judgment thereon by the trial court. The special demurrer, the overruling of which is assigned as error, and the rulings on the entry of the final judgment are considered together. Code § 81-105 provides in part: “Copies of contracts, obligations to pay, or other writings should be incorporated in or attached to the petition in all cases in which they constitute the cause of action, or the relief prayed for must be based thereon.” The action here is based on a mutual account between the plaintiff firm and the defendant. The allegation in the petition stating the basis for the indebtedness of the defendant is sufficiently set forth. The allegations of the petition with reference to the credits, however, are not sufficiently shown. We think the better practice would be to
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plead in a mutual account such as this not only the basis for the indebtedness of the defendant, but also the specified items of credit which would result in showing the indebtedness sued for. However, it seems to be well settled in this State that credits do not have to be pleaded with the same particularity as the items 'which constitute the cause of action on behalf of the plaintiff. In
Wagener
v.
Steele,
117
Ga.
145 (
Accordingly, the trial court did not err in overruling the exceptions to the auditor’s report, both as to the overruling of the special demurrer and as to the amount found to be due the plaintiff firm. The trial court did not err in entering up judgment accordingly.
4. The exception to the auditor’s finding of law as follows: “Pleadings filed by the defendant and regularly before the jury may be considered along with the evidence for any legitimate purpose” was properly overruled by the judge of the superior court. This is a correct statement of the law.
McBride
v.
Macon Telegraph Pub. Co.,
102
Ga.
422, 426 (
5. Exceptions c, d, e, f, g and h to findings of law made by the auditor relate to alleged error in granting the plaintiffs’ motion to dismiss the defendant’s answer and cross-bill. This plea set up that on 6 occasions between April 18, 1951, and *478 August 2, 1951, the defendant received written notice by invoice that they had purchased contracts on his account, which contracts had been unauthorized by him, in that he had an agreement and understanding with H. G. Cooper, manager of the plaintiff’s Athens office, and Charles Weirauch, plaintiff’s agent in that office, that at no time was the defendant to have in his account more than 8 contracts of cotton; that on each of these 6 occasions except the last defendant went to the office of plaintiff’s Athens agent and orally protested these trades, and was on each occasion assured by Weirauch that an error had been made and would be corrected immediately (which, however, was not done) and on the last occasion was notified by the plaintiff that his account had been closed out before he had an opportunity to protest. It is alleged “that the plaintiffs have continuously waived the requirement that protest of the execution of orders and monthly statements should be in writing by allowing this defendant and many other persons to object to and protest such notices orally, by telephone or in person. . . It is a general custom of the plaintiffs, in the course of their business, accepted by the defendant and other customers of the plaintiffs, to accept objections to the execution of orders and statements orally without insisting upon any written objection. . . [Cooper and Weirauch] as such employees have authority to accept orders for trades on any of the markets and exchanges of which the plaintiffs are members, to open accounts for new customers, to accept protests of mistakes in the execution of orders and make corrections of such mistakes. They have the authority to bind their principal, the plaintiffs, in the execution of the above-enumerated powers.” It is also alleged that on one occasion in 1950 the defendant discovered from a written notice sent him by the plaintiffs that an error had been made in an order for rye futures; that he notified Cooper of the error and it was corrected, and this led defendant to believe that an oral protest would be good.
The contract, denominated the customer’s agreement between the plaintiff and defendant, contained provisions as follows: “Except as herein otherwise expressly provided, no provision of this agreement shall in any respect be waived, altered, modified or amended unless such waiver, alteration, modification or *479 amendment be committed to writing and signed by a member of your firm”; “Reports of the execution of .orders and statements of the accounts of the undersigned shall be conclusive if not objected to in writing, the former within two days, and the latter within ten days, after forwarding by you to the undersigned by mail or otherwise”; “The undersigned undertakes, at any time upon your demand, to discharge obligations of the undersigned to you, or in the event of a closing of any account of the undersigned in whole or in part, to pay you the deficiency, if any, and no oral agreement or instructions to the contrary shall be recognized or enforceable.”
It appears from the record that the plaintiff firm of Courts & Company is a partnership, the partners comprising the members of the firm, and that on the protested trades or contracts the defendant (a) failed to give written notice to anybody, and (b) failed to give any notice, written or oral, to any member of the firm. While it is alleged that the plaintiffs (the members of the partnership) have customarily accepted oral protests from the defendant and others, the specific allegations of the pleading show that the protests relied upon to show this custom were made, not to members of the firm, but to employees in the Athens office, and it is nowhere alleged that the plaintiffs had any knowledge of such acceptance of oral protests or ratified such course of conduct on the part of their Athens employees. The contract specifically forbids a protest to be made otherwise than in writing, and forbids a waiver of contract provisions otherwise than “in writing signed by a member of the firm.” Such a condition would be an express waiver of the contract provisions requiring written notice that the customer protested a trade, and no such express waiver is shown here. An implied waiver might also result from a course of conduct between the plaintiff firm members and the defendant amounting to a novation (in which connection see Code § 20-116;
Ford
v.
Cunningham,
174
Ga.
171 (2),
Judgment affirmed.
