| Mo. Ct. App. | Jun 14, 1886
The following facts, it is conceded, substantially present this case :
W. T. Grimes, now deceased, wishing to borrow four hundred dollars, went to his brother-in-law, the defend.ant, and telling him that he could get the money from Kemp M. Wood, asked him to execute a note with him for that sum, payable to Wood in one year from its date. The defendant consented, and Grimes prepared the note sued on, but which, at the time, was made payable to Kemp M. Wood, and the defendant signed it (the note having been first signed by Grimes and his wife), and delivered the note to Grimes.
For some reason not known, Grimes erased the nami of Wood as payee, where it occurred in the note, and inserted the name of the plaintiff. This fact was unknown to both plaintiff and defendant until after Grimes’ death, and until shortly before the institution of this suit.
The plaintiff became possessed of the note as follows:
About the time the note bears date, Grimes applied to the plaintiff to borrow four hundred dollars, and proposed to execute a note for that sum, due in one year, to be signed by himself and wife, and the defendant.
The plaintiff, being unacquainted with the parties, told Grimes that if he would bring him such a note, and
From this statement it appears that the note, as signed by all the makers, defendant being an accommodation maker, and was payable to Kemp M. Wood. That after being so signed, Grimes, for whose benefit it was executed, before delivering to plaintiff, and without-the knowledge of either plaintiff or defendant, erased Wood’s name and wrote in plaintiff’s. The judgment below was for defendant, and plaintiff prosecutes this-appeal, alleging as ground of reversal, that: (1) An alteration to avoid a note must be made by or with the knowledge of a party claiming a benefit under it. That the cases in Missouri on alteration were where the alteration was made by the payee, or with his knowledge. (2) The alteration is not a material one.
I. However the first point may have been decided elsewhere, the rule has been laid down in a number of cases in this state contrary to plaintiff ’ s contention. It is held that though the alteration is made before delivery to the payee and without his knowledge or privity, the non-consenting surety is discharged. Britton v. Dierker, 46 Mo. 591" court="Mo." date_filed="1870-10-15" href="https://app.midpage.ai/document/britton-v-dierker-8003017?utm_source=webapp" opinion_id="8003017">46 Mo. 591; Haskell v. Champion, 30 Mo. 136" court="Mo." date_filed="1860-03-15" href="https://app.midpage.ai/document/haskell-v-champion-8000797?utm_source=webapp" opinion_id="8000797">30 Mo. 136; Trigg v. Taylor, 27 Mo. 245" court="Mo." date_filed="1858-07-15" href="https://app.midpage.ai/document/trigg-v-taylor-8000372?utm_source=webapp" opinion_id="8000372">27 Mo. 245 ; Ivory v. Mitchell, 33 Mo. 398" court="Mo." date_filed="1863-03-15" href="https://app.midpage.ai/document/ivory-v-michael-8001316?utm_source=webapp" opinion_id="8001316">33 Mo. 398 ; Capital Bank v. Armstrong, 62 Mo. 59" court="Mo." date_filed="1876-01-15" href="https://app.midpage.ai/document/capital-bank-v-armstrong-8005247?utm_source=webapp" opinion_id="8005247">62 Mo. 59.
II. Changing the note by erasing the original and inserting a different payee, is a material alteration. This is so manifestly true that it needs no argument to sustain.
From the case of Haskell v. Champion (30 Mo. 136), and the Frieke case, supra, it appears that it would make no difference in a case of this kind, where the alteration is made without the knowledge of the holder, whether that alteration be material or immaterial. In the Haskell ease the change was made without the knowledge of the payee, as was shown by the statement, yet that is the leading authority on the doctrine of the immateriality of the alteration.
The judgment is affirmed.