Peyton v. Ethridge

262 S.W. 69 | Mo. Ct. App. | 1924

This is an appeal by defendants Lee Ethridge and E.M. Fugate from a judgment in favor of the plaintiff. The judgment was rendered against these two defendants and Roy A. Fugate, the latter not appealing. The suit grew out of a promissory note executed to the plaintiff by F.V. Fugate as principal with the defendants herein signing the same as sureties. A chattel mortgage was given by the principal, F.V. Fugate, covering something like $600 or $700 worth of personal property, live stock, etc., to secure the payment of said note. A credit of $500 appears to have been paid and the suit is for the balance.

It was admitted that the note was executed, and the defense attempted to be made is that the principal payor in the note sold the live stock secured by the chattel mortgage at a public sale with the consent of the payee, who did not require the proceeds to be turned over to him to apply on payment of the note, and that his action in permitting the payor to sell and not apply the proceeds on the note released the defendant sureties.

The answer made by plaintiff to this defense is that the defendant sureties consented to the arrangement and thereby waived the right to insist upon a release because of the fact that the property secured by the chattel mortgage had not been applied to the payment of the note.

The suit is one at law, and the finding by the trial court, sitting as a jury, is conclusive on us if there is evidence to sustain it. On the question of waiver, there was evidence introduced tending to show that the defendant Ethridge requested that plaintiff forego making F.V. Fugate, the maker, apply the proceeds derived from the sale of the live stock on the note, and that Ethridge stated that F.V. Fugate would secure him by *268 a second mortgage on a mill. The evidence shows that there was secured from the sale of the mill by the appealing defendants the sum of $500, which was applied on the note, and which is an amount that the court could reasonably find, under the evidence, that the stock sold for under the chattel mortgage was worth. We, therefore, conclude that there is evidence in this case which sustains the plaintiff's contention and therefore the judgment of the trial court that the right of the sureties on the note to insist upon the application of the proceeds for the sale of the live stock was waived, and that additional security was given by the maker from which a sufficient amount was realized to make up for the value of the live stock sold, which was secured by the chattel mortgage. The plaintiff has the right to take advantage of the waiver although not plead, for the evidence of waiver when offered was received without objection and will therefore be treated as a part of the case. [Heffernan v. Ragsdale,199 Mo. l.c. 382, 97 S.W. 890; Hill v. Meyer Bros. Drug Co.,140 Mo. l.c. 437-438, 41 S.W. 909; Stewart v. Outhwaite, 141 Mo. l.c. 572,44 S.W. 326.]

As stated in the case of Troll v. Real Estate Co.,186 Mo. App. l.c. 204, 171 S.W. 665, it is the duty of the party holding collateral as security to carefully and faithfully perform all acts necessary to make the collateral available, and that this duty is owing to the surety and failing in it, by which the collateral is lost, the surety will be discharged to the extent he is thereby injured. However, following with this rule is another, that if the surety consents to the release of the property he will not be discharged when the release is made.

It was an issue of fact in the case before us whether the act and conduct of the defendants were such as to amount to a waiver of their right to have the proceeds derived from the sale of the live stock applied on the payee's note, and further a question of fact as to whether anything was lost by virtue of the failure to apply such proceeds on the note when it appears in evidence that other security was given by the maker of the note which *269 was applied to the payment of the note in lieu of the proceeds from the sale of the live stock covered by the chattel mortgage. The court having passed upon this evidence in plaintiff's favor, it must stand as binding upon this court. The judgment is, therefore, affirmed. Cox, P.J., and Bradley, J., concur.