| Mo. | Jul 15, 1843
delivered the opinion of the Court.
This was an action of assumpsit, on a promissory note made by Grimsley and Young, payable to Bernard Pratte, at the office of the Mutual Insurance Company of St. Louis, and by him endorsed to William Glasgow.
The action was by the endorsee, Glasgow, against the endorser, Pratte.
On the trial, it was proved by Young, one of the makers of the note, that on the day it became due, he went to the plaintiff and informed him, that he would not be able to pay more than half the amount of the note at that time, and asked for a week longer to pay the balance. The plaintiff said he had no objection to the indulgence asked, if the endorser would consent to it. Witness after saw the endorser, Pratte, on the same day, in the office of L. A. Benoist & Co., where the note was placed for collection; witness informed the endorser of the previous conversation with the plaintiff, and the defendant responded, that he had no objection to giving the makers a week longer to pay the other half of the note. Nothing was said about any further notice, one way or the 'other. Witness paid the plaintiff one-half the amount due on said note, on the day it became due, and the said note was not afterwards presented for payment, or protest for non-payment, nor was there any further notice given of the dishonor of the said note. Witness also testified that the makers of said note had paid other and larger debts subsequent to the time when the balance on this note became due.
The court, sitting as a jury, gave verdict and judgment for the defendant.
This cause was submitted to the court sitting as a jury, and as the court was not requested to declare the law on the facts, we are at a loss to determine the specific objection to the verdict and judgment. Had this cause been submitted to a jury, and no instructions asked by either party, and no law declared to the jury by the court, this Court would have been very loath to interfere.
We do not well see what solid distinction, in this respect, there is between the two modes of trial. In either case, this Court cannot well determine whether the objection is to' the finding, as being against evidence, or whether it is to the application of the law to the facts. It would certainly have been better had it been understood, that when the parties waive a trial by jury, they waive also its incident — -the right to apply for a new trial.
Whatever doubt may have been entertained on the subject, it seems now to be settled, that notice of the dishonor of a bill or note, given by any party to the bill, is sufficient. It iá not sufficient, as has been sometimes holden, that the party suing should give the notice. It is sufficient if any party to the instrument give it. Stafford vs. Yates, (18 Johns. Rep., 327.) And notice of non-payment may he either verbal or in writing. (Cuyler vs. Stephens, 4 Wend., 566" court="N.Y. Sup. Ct." date_filed="1830-05-15" href="https://app.midpage.ai/document/cuyler-v-stevens-5513404?utm_source=webapp" opinion_id="5513404">4 Wend., 566.) The case of Foster vs. Jurdeson, (16 East., 105,) is an authority to show, that notice of the non-payment of the note on which this suit was brought, at the end of the week
Admitting the notice given by Young to Pratte, of the non-payment of the note, was sufficient, and that no notice of the non-payment at the end of the week was necessary, yet was not a presentment for payment, at the place of payment named on it, necessary to bind the endorser ? In the case of the Bank of the United States vs. Smith, (11 Wheaton,) the Supreme Court of the United Slates says, that, as against the maker or acceptor of a bill or note payable at a particular place, no averment, or proof of demand of payment at the place designated, would be necessary. But when recourse is had to the endorser of a note or bill, different considerations arise. He is not the original debtor, but only surety. His undertaking is not general, like that of a maker, but conditional, that, upon due diligence having been used against the maker, payment is not received, then the endorser becomes liable to pay. This due diligence is a condition precedent, and an indispensable part of the plaintiff’s title and right of recovery against the endorser. And when, in the body of a note, a place of payment is designated, the endorser has a right to presume that the maker has provided funds at such place to pay the note, and has a right to require of the holder to apply for payment at such place. In Bacchus vs. Shepherd, (11 Wend.,) a stipulation by the endorser of the note, to waive notice of demand of payment, does not dispense with the demand itself. So, in the case of Cruger vs. Armstrong, (3 J. C., 5,) it was held, that if the drawer has no funds in the hands of a drawee, it is no excuse for not demanding payment, though it may excuse the want of notice to the drawer. A note may be paid at the place where payable, for the honor of the maker.
In the case of Agan vs. McManus, (11 Johns. Rep., 186,) it was held, that the doctrine as to the waiver of notice of the dishonor of bills of exchange docs not apply to promissory notes.
In the case of Gregory vs. Allen, (1 Martin’s and Yerger’s Reports,) it was held, that in order to show a waiver of demand and notice by an endorser, clear and unequivocal evidence is required of such waiver. In the case of the Union Bank vs. Magruder, (7 Pet., 287" court="SCOTUS" date_filed="1833-02-22" href="https://app.midpage.ai/document/union-bank-of-georgetown-v-magruder-85830?utm_source=webapp" opinion_id="85830">7 Peters, 287,) whether certain facts, in reference to an alleged notice to the endorser and demand of payment of a promissory note by the drawer, amounted to a waiver of the objection to the want of demand and notice, is a question of fact, and not matter oflaw, for the consideration of the jury.
There is no evidence that Young, the witness and one of the makers of the note, was an agent for Glasgow, and it does not appear that the witness ever communicated to Glasgow the fact, that Pratte consented to the indulgence asked by Young. If Glasgow was wholly unapprized of Pratte’s consent, it is hard to see with what propriety it can be said to be a waiver by Pratte of demand for payment, and the fact that he was not unwilling to the indulgence, if not communicated in an authorized manner to Glasgow, could no more be termed a waiver, than the mere existence of it in his breast, uncommunicated to any one. De non apparentibus et non existmtibus, eadem est ratio.
We can see no reason for disturbing the judgment of the court below.
Judgment affirmed.