This is an action of assumpit instituted by the plaintiff in error in the Loon Circuit Court against the defendant in error as executor, &c., of John W. Cotten, deceased, to recover the sum (alleged to be) due upon a promissory note, of which the following is a copy, viz:
“ On or before the first day of January next, we or either of us, promise to pay Isaac W. Mitchell, or order, fifteen thousand nine hundred and fifty-fivo dollars, with ten per cent, interest from date, for value received this 2d January, 1841.,
[Signed] H. Doggett,
J. W. Cotten.”
The declaration contains a count upon the note, the common money counts, and a count on an account stated. The defendant plead :
First, The general issue.
Third, Want of consideration.
Fourth, Judgment recovered by Mitchell against Doggett on the note.
Fifth and. Sixth, That John W. Cotten executed the note as surety of Daggett, and that Mitchell and Doggett entered into a secret agreement, concealed from J. W. Cotten, by which Doggett was to pay's, greater rate of interest than was expressed in the note.
And the 6th plea alleges that the rate of interest expressed was ten per cent, and by said secret agreement, Doggett was to pay two and. an half per cent more, and that Doggett gave to Mitchell his separate note for the two and an half per cent, bearing even date with the note sued on, amounting to the sum of $398 87, payable on or before the first of January, 1842, for such excess of interest over and above that secured by the note sued on.
Seventh, That John W. Cotten executed the note sued on as surety of said Henry Doggett, and that after the making of said note to wit, on the 5th day of January, 1844, the plaintiff agreed with the said Henry Doggett, without the consent or knowledge of the said John W. Cotten, and for, and in consideration of, the making and del ivery, by the said Doggett of his promissory note dated the 6th day of January, 1844, payable one day after date to said Mitchell (the plaintiff) or bearer, at Tallahassee, promising to pay $6,67© 64, for value received with ten per cent interest from the first of said month, which note the plaintiff received to give further day of payment during the space of one year to wit, during the year 1844.
The Eighth, Is in substance the same as the seventh only alleging the contract and agreement for further time to have been made after the note sued on was overdue, and that the consideration was paid in hand.
The Ninth, Raises the same question as the eighth.
The Tenth, Non assumpsit except as to the sum of $607© 64, and as to that sum payment.
•To the plea of non assumpsit the defendant annexed a notica^pf special matter to be given in evidence embracing in substance the same matter as embraced in the several special pleas, setting out the charge of usury somewhat more fully and specifically, and alleging divers usurious contracts.
To the 4th and 5th pleas the plaintiff demurred, and his demur
The defendant then read in evidence the deposition of Henry Doggett, (one of the parties to said note,) who proved in substance that the real bargain between Mitchell and himself, at the time of making the note, was that Mitchell was to receive for the loan of the said money 12 1-2 per cent. That he made and delivered to said Mitchell his promissory note for the sum of $398 87, that the consideration thereof was two and a half per cent additional interest on the note for which Cotten was surety. That he gave to Isaac W. Mitchell his promissory note dated 5th January, 1844, payable one day after date for $6j676 64, bearing interest at the rate of ten per cent, and he thinks exhibit C. a copy. That the consideration of said note was interest on the note for which Cotten was surety as the following statement, which is copied from a statement in Mitchell’s hand writing, will show :
15,955 05
2 l-2c.
398 87, and interest on do. at 12 1-2 per cent compounded to the 1st of January 1844, 507 06, interest to 1st January, 1842, at ten per cent 1,595 50.
Interest to January, 1843: 1,755 05
438 75
449 73
Interest to 1st January, 1844: 1,930 50
$6,676 65
■ That the amount of interest secured tobe paid to Isaac W. Mitchell is $6,676 65, which is evidenced by his note for the amount dated 5th January, 1844.
That at the making of said note of $15,955 00, there was a contract made by Mitchell and himself, that he, Doggett, over and above the interest mentioned in the note, should pay to Mitchell the fur
On his cross examination he further proved that himself and J. W. Cotten, on or about the 1st of January, 1839, gave a note for $13,186 00 to Isaac W. Mitchell, that J. W. Cotten was equally bound with him, but as surety; the consideration of $13,186 00 was the indebtedness of witness to one Flake for land. There was no usury in said note of $13,186 00 or in the note to Flake. That note was taken up by substituting the note of $15,955. J. W. Cot-ten signed both notes and was bound with witness as surety — both notes expressed, on the face of them, to carry ten per cent interest. The usury he says began when he executed the note for $15,955, with Cotten as surety and his note for $398 87. This note was for usury, the excess of interest for the forbearance of the large note.
The defendant then offered Lawrence O’B. Branch as a witness who testified as follows, to wit: that the original papers filed, marked A. B. C. D. E. F. G. II. were original papers placed in his hands by H. Doggett. The paper marked D. witness believes contains the genuino signature of H. Doggett across said paper; that hci,like-wise believes the signature on the paper A. to be DoggotFs signature, so also the signature on papers B. he believes to be the remains of the signature oí said Doggett and John W. Cotten, that he is acquainted with their hand writing, &c.
The defendant then offered George K. Walker and Charles G. English as witnesses to prove certain papers marked C. D. E. F. G. H. I. none of which are deemed very material to the present enqui-ry except the following, viz:
[D.] On or before the first day of January next, we or either of us promise to pay Isaac W. Mitchell, or order, thirteen thousand ono hundred and eighty-six dollars, for value received, with ten per cent interest from date, the 1st January, 1839. [The words “Paid— H. Doggett,” written across the face.]
[E.] On or before the first day of January next, I promise to pay Isaac W. Mitchell, or order, three hundred and ninety-eight dollars and eighty-seven cents for value received this 2nd day of January, 1841.
One day after date, I promise to pay Isaac W. Mitchell or bearer, at Tallahassee, six thousand six hundred and seventy-six dollars and
[Signed.] H. Doggett, [seal.]
Which the witnesses testify are in the hand writing, in words and figures, of the plaintiff except the signatures.
James H. T. Lorimer was also introduced to prove the papers marked A. and B.
[A.] One day afterdate we jointly and severally promise to pay William Flake or bearer five thousand and sixteen dollars, for value-received.
January 1, 1838. H. Doggett,
Endorsed, D.
JANUARY 1st, 1838.
Received of the within note four hundred and thirteen dollars and fifty-five cents.
Received of the within note one thousand three hundred and sixty-nine dollars and 11-100.
January 1st, 1838.
[B.] On or before the first day of January, 1839, we jointly and severally promise to pay William Flake or bearer, eight thousand three hundred and thirty-three dollars, with interest from the ISth day of December, eighteen hundred and thirty-six, for value received. H. Does-
January 1, 1838. J. W.
Are in the hand writing of one Doctor Flake; he said he had seen Flake write, and believed the papers were in his hand writing — he further said he heard Flake say he intended to sell two notes to plaintiff, and afterwards heard Mitchell say he had bought them. He once had a conversation with plaintiff in which he stated that whatever may be said as to the small note he (plaintiff) held against Doggett, no one could say there was any usury in the large one. The small note, Mr. Lorimer understood, was for interest on the large one. Defen-. dant then offered said papers marked A. B. C. D. E. F. G. H. and L, as evidence, which plaintiff’s counsel objected to, but were overruled.
Plaintiff then gave in evidence the following letter of John W. Cotten proving first the hand writing by Jacob Elliot a lawful and competent witness.
Cotton Land, near Tallahassee, Florida, 25th Nov., 1844.
Dr. Mitchell, Dear Sir : — I write to ask the favor of you to
J. W. COTTEN.
Addressed and post marked,
For Dr. Isaac W. Mitchell,
Thomasville, Geo.
Tallahassee, Flor., Dec. 3. Paid 10.
He then gave in evidence the original preecipe ordering suit vs. Doggett & Cotten (which abated against Cotten by his death) to prove the date of the commencement of said suit, to wit: “ Isaac W. Mitchell vs. Henry Doggett and John W. Cotton. Action of trespass on the case upon promises. Damages #32,000. Issue writ returnable to noxl term, January 7th, 1845.
BROCKENBROIIGII, P. Q.
To Clerk of Leon Superior Court.”
Endorsed, “ Filed January 8,1845.
N. P. B., D. C.”
No further or other testimony was introduced on either side and the cause having been fully argued, the Court instructed the jury as follows, to wit: “ That the plaintiff did not ask a recovery upon the special count on the note, having conceded that he could not recover thereon, but had sought to recover upon the money counts. Conceding that the plaintiff could not recover against the defendant on the note as security to Henry Doggett, the Court had no difficulty in charging the jury that he could not recover on the money counts. The contract declared upon was manifestly a contract of suretyship, admitted by the parties in the pleadings in the case and to which evidence has been adduced on both sides as well by the plaintiff as the defendant. In such case any concealment from the surety, any withholding from him of the material part of the prinipal contract would render the engagement of suretyship a nullity. It was void.
The Plaintiff’s counsel then moved the Court to instruct the jury as follows, to wit:
First, That the plaintiff may recover the consideration given for any usurious note or security on the money counts, provided there is no usury in the consideration itself.
Second, If it is conceded here, or proved or believed by the jury from the evidence that the note of the 1st January, 1839, contained no usury and was a valid contract iñ all respects and was the consideration of the subsequent usurious contract,- there is no law to prevent the recovery of that debt of 1839, or any portion thereof under the money counts.
Third, That our statute only avoids the interest on a usurious contract and has nothing to do with interest or principal of a prior contract between the same parties,' though such contract may be used as the consideration for a usurious contract.
Fourth, The interest of an original valid contract is no more affected by a subsequent usurious contract than the principal, and the latter is not affected.
Fifth, Two joint and several makers of a negotiable promissory note, are both principals and stand upon, the same footing towards a
Sixth, The party setting up fraud, concealment, or giving time without consent of surety, or other matter in discharge of surety, must prove his allegations in discharge of himself.
Seventh, If the party surety had proved any different contract for interest on the last note than appeared upon the face of the instrument, signed by the party, and the principal was to pay 2 1-2 or more per cent more than the surety was bound for, and such arrangement was concealed from the surety, yet that would not prevent the plaintiff from recovering on the original consideration.
Eighth, That both Cotten ■ being bound in the first instance and the giving of the note with the usurious premium -being a subsequent and distinct transaction although the note declared on or any part thereof might be void, the pre-existing debt may be recovered on the money counts.
Ninth, That if the jury are satisfied that 12 1-2 per cent was taken or agreed to be taken by Mitchell and a new note taken which included all interest for which Cotten was then bound and this was endorsed on Gotten’s note this was for the advantage of Cotten and he is responsible on the note.
Tenth, By our law if the jury find usury they can only deduct interest from the time usury commences.
Eleventh, That when a party recovers on the money counts it is upon the original consideration, not the old notes or cancelled notes, or any other evidence of debt or securities, but the debt itself due precisely as if no note had ever been given ; and where two -or more are jointly, validly bound, the law implies that the consideration passed to both of them.
All and singular of which several instructions from one to eleven inclusive the Court refused to give; and thereupon instructed the jury “ that the plaintiff was not entitled to recover,” to which several overrulings as hereinbefore set forth, and refusal to give the istruc-tions prayed, and the instructions given, the plaintiff by his Counsel excepted, and prayed that this his bill of exceptions might be signed and sealed by the Court which was done.
The jury returned a verdict for the defendant upon which judgment was entered, and the plaintiff in error now seeks to reverse that judgment upon the following grounds to wit.
Second, The Court erred in admitting the testimony of Henry Doggett taken under commission (being his answers to 8th, 9th, 12th, 14th and 15th interrogatories) to be read m evidence to the jury against the objections of the plaintiff.
Third, The Court below erred in the instructions given by the Judge to the jury.
Fourth, The Court below erred in the refusal of the Judge to instruct the jury as prayed by the plaintiff’s Counsel.
As to the first error assigned, viz: That the Court erred in overruling the plaintiff’s demurrer to the defendants sixth plea, it is sufficient to observe, that the judgment upon said demurrer wasrespondeat ouster, and that the plaintiff (as appears by the record) answered over by filing his replication to that plea and thereby waived his demurrer thereto. On overruling a demurrer if the demurrant resorts to ulterior pleadings on the same point the demurrer is waived. Burdet vs. Burdet, 2 A. K. Marsh. 143. Morrison vs. Morrison, 3 Stewart’s Reps. 144. Breese, 19.
The same doctrine was maintained by this Court in the case of Mitchell vs. Executor of Chaires at the present term. A decision overruling a demurrer cannot be revised, if afterwards it is withdrawn and issue joined to the country. Acre vs. Ross, 3 Stewart, 288. Trigg vs. Shields, Hardin 168. A plaintiff cannot demur and reply to the pica, Riley and another vs. Harkness, 2 Blackf. 34. Harris vs. Weaver, 1 Blackf. 77 (and authorities there cited) Stephens on Pl. 296.
The second error assigned, viz: That the Court erred in admitting the testimony of Henry Doggett, &c., is attended with more difficulty. This objection arises under the provisions of the 4th Section of the act of February 12th, 1833, “ regulating the rate of interest,” Duval’s Comp. 79. Thompson’s Digest 235, No. 5, which declares “ that in all cases whatsoever, whenever any suit or action shall bo brought in any Court of record in this State;, touching or concerning any usurious bond, specialty, promise or agreement, the borrower or party to any such usurious bond, specialty, promise or agreement, from whom such higher rate of interest is or shall be taken, shall be a good- and sufficient witness to give evidence of such offence. Provided, that if any person against whom such evidence is offered to be given, will deny upon oath to
The rule laid down in Walton and Shelly is broad enough to comprehend all instruments of writing of whatsoever description, yet except so far as it may be comprised in the common law doctrine of estoppel, it has been every where decided to apply only to those instruments negotiable in their character. Pleasants vs. Pemberton, 2 Dall. 196, Morris vs. Shippen, 2 Binney 165. McFerror vs. Powers, 1 Sergt. and Rawle 107. Bragg vs. Phoenix In. Company, 3 Wash.C. C. Reps. 5. Loker vs. Haynes, 11 Mass. 498.
And in order that the rule should take effect, the instrument must not only be negotiable hut actually have been negotiated. 1 Green. Ev. 430, Sec. 385. 2 Smith’s Leading Cases, 87, 88. If the suit be between the original parties, a witness may give evidence tending to invalidate a bill or note on which the action is brought, although his name is thereunto affixed, and thus one of the two joint makers of a promissory note is a competent witness for the other to all intents, in a suit on the note wherein the payee is plaintiff. Fox vs. Whiting, 16 Mass. 120. This suit having been brought by the payee both of the note of 1839 and that of the second day of January 1841, and neither of them having been negotiated, it is evident that the witness would have been competent upon general principles
To him the Statute gives a privilege not conferred by the Com--mon law. But in order to avail himself of it he must come into open Court and “ offer to swear,” and then if the person against whom such evidence is offered to be given, will there deny upon oath the truth of what such witness offers to swear against him, then such evidence shall not be admitted. The terms “ the witness offers to swear,” “ evidence offered to be given,” import a voluntary swearing by one who cannot be compelled to testify, and while the. Statute confers upon a party to the suit this privilege when he happens to be a party to the usurious bond, &c., we cannot sufipose that the Legislature intended to abridge the common law right of a party to the suit, to the testimony of a witness who is not a party to the suit, but who may have been a party to such usurious bond, &e., or to prevent the defendant in such a case from availing himself of the statutory mode of taking his testimony by deposition.
On the contrary, we think the act is intended to prevent such testimony from being excluded. The provisions of the second section of the act seem' to favor this construction, and any other would involve the absurdity that while the Statute expressly extends the rule so as to admit the testimony of a party to the suit in his own behalf, when the party against whom such testimony may be offered will not on oath deny what such witness offers to swear, it would narrow the rule, so as to put it effectually in the power of the party to shut out the testimony of a witness otherwise in all respects competent, by thus denying what his antagonist might offer to prove by him. We are of opinion therefore that there was no error in admitting the testimony of Doggett. At all events the plaintiff has no cause to complain. He hud the full benefit of a cross examination and besides, it does not appear that lie was in Court ready (if the witness had been there) to deny on oath the testimony he gave.
The plaintiff at the trial of the cause in the Court below abandoned
The rule undoubtedly is that a surety is not to be held beyond the precise terms of his contract. That the creditor has no right to increase his risk without his consent. But in Tudor vs. Goodloe, 1 B. Monroe’s Rep. 324 as cited in 2 Vez. Jun. 540 in note by Charles Sumner, it was held that “ a promise by the principal to pay usurious interest in future for forbearance (the precise case before us) is void and does not operate to exonerate a suretyand this is in accordance with general principles. The drawer of a hill of exchange is as much a surety as the endorser of a promissory note. Arundle Bank vs. Gable, Chitty on Bills, 289 note, was an action by the endorsee against the drawer of a bill. The defence was that when the bill became due the acceptor applied to the holder for time and this was granted on condition that the interest should be allowed him. The plaintiff had a verdict and a motion for new trial was denied. The Court said that as no fresh security was taken from the acceptor, the agreement to wait without consideration did not discharge the drawer because the acceptor might notwithstanding such agreement be sued at any moment and the understanding that interest should be paid by the acceptor makes no difference. Ch. Justice Best in the case of Philpot vs. Briant, 4 Bing. Reps. 717 vouches for the correctness of the case of the Arundle Bank vs. Gable, and very distinctly reiterates the same principle. Philpot was holder of a bill of exchange and brought his action against the drawer who defended on the ground that time had been given to the defendant’s executrix without the Icnoivledge or consent of the drawer. The holder promised to delay a reasonable time provided the interest
Where a note not tainted with usury has been given up and can-celled on being made the consideration of a usurious contract or note, which latter has been avoided as usurious: Held that the note cancelled on the consideration of this may be recovered upon under the common counts. Edgdell vs. Stanford, 6 Vermont Reps. 551. This is upon the ground that the latter contract is void and therefore does not supersede the former. So where a note is given in renewal of a former note and a premium or interest above seven per cent is exacted for the renewal (the Supreme Court of Now York held that) the note was usurious and void, although a separate note (as in this case) was given for the premium, but that the old note was not thereby affected or destroyed. Swartwout vs. Payne, 19 Johns. Reps. 294.
The principle to be extracted from these cases is, that the usurious contract being utterly void, does not extinguish or affect the original valid contract. In other words that a non entity cannot extinguish an entity, and the case of Robinson vs. Bland, 2 Burrow 1077 is founded on the same principle. That was a suit on a bill of exchange the consideration of which was partly money lost at play and partly money lent to play with. The former being a gaming debt was void, the latter not. Part of the consideration for which the bill was given being void, the whole bill was declared void, but the plaintiff was allowed to recover for the money lent. And the same doctrine is laid down by Burge on surety where he treats of novation at page 167. He says “ There must be two valid subsisting obligations, the one to be extinguished, and the other to bo substituted for it. Hence if at the time of the new obligation, the former constituted no debt, or if on the other hand, the new obligation ■was void there was no novation.” The effect of novation is that
If the new contract was good as to Doggett it could only have been so for the original consideration and any interest that may have accrued thereon before the usurious contract was made, and if good to that extent against Doggett, it was to the same extent good against Gotten. We therefore proceed to enquire whether the plaintiff is entitled to recover in this action upon the original consideration of that contract; and upon this point we should deem the case of Mitchell vs. Doggett, before cited, as conclusive, but for some objections Which have been presented in this case, which were not presented
“The whole being one entire and original C&aíEaotjand ppta&ollat-oral on the part of the sureties, the consideration received by Linn was sufficient to support the contract on the part of his sureties.” And 8 John. Reps. 37. Cro. Eliz. 137 and 3 Burr. 1886 are cited. Here the undertaking of the surety was direot not collateral.— Much stress was laid by the Counsel for the defendant in error, at the argument of this case, upon the fact that the note of $13,186 was given up when those of the 2d of January, 1841, were taken by the plaintiff. It is said that it was cancelled, destroyed, and that the plaintiff cannot now rely upon it. But in Olcott vs. Rathburn, 5 Wendell 492, the Court- held that “the more giving up a note is no satisfaction of it. It is not an act which of itself affects the validity of the note. It seems (continued the Court) from the case of Russel vs. Hackley, 6 Term Rep. 12, that it was tho common practice in London to give up a bill of exchange upon receiving a check on a Bank therefor, and it does not appear objectionable so far as the acceptor is concerned. The maker of a promissory note stands in the relation of an acceptor of a bill of exchange. There can be no doubt that a note thus parted with is given up un
When a creditor receives a note or check for his debt, he expects confidently that the note or check will turn out to be a satisfaction of his demand, yet if such note or check is dishonored he may sue on the original debt, and is not concluded by his receipt, and 1 Cowen 290, 9 John. R. 310 are cited. The endorsee of a note may in New York recover on the common money 'counts in an action against the maker, although the evidence shows no money transaction between them, but the plaintiff is suing as the mere agent of the party'in interest. Olcott vs. Rathburn, 5 Wendell 490. And in Massachusetts it is held that an endorsee of a note may maintain an action for money had and received against the maker though the maker signed it merely for the accommodation of the payee and received neither money or any oilier consideration for signing it. Cole vs. Cushing, 8 Pick. 48.
Another objection yet remains to be noticed. It is that the orig. inal notes to Flake were for land and therefore the plaintiff cannot recover in this case on the common counts. But the notes to Flake, it seems evident, were intended to be and were extinguished by the transaction above mentioned, and the note of 1839 is the consideration of that of 2nd January, 1841, which proved to bo tainted with usury. The consideration is clearly shewn by Cotten’s letter set out in the record. If however, land is'to be deemed thfe consideration of the note of 1839, because it was the consideration of the Flake notes, (but we do not so deem it) still there arc not wanting authorities which go far to show that the plaintiff may recover oil the common counts. In the case of Dearborn, Treasurer, &c., vs. Parks, 5 Greenl. Reps. 81, it was held that “ where one undertakes to pay the debt of another and by the same act also to pay his own debt, which was the motive of the promise, this is hot such an undertaking to pay the debt of another as is within the statute of frauds, and therefore it is not necessary that it should be in writing, and though the consideration of such promise was land, yet the paity to whom the debt was to bo paid may recover the amount in ail action for money had and received.” This must have been upon the principle that the price of the laud was money in the hands of the purchaser and the Court in that case said, “ If the defendant did not actually receive money, he received that for which he agreed
In the case of Hughes vs. Wheeler, 8 Cowen Reps. 81, 84, the question was whether the plaintiff was entitled to recover under the common counts the amount of the original note, for which the note declared on (and which was proved to be usurious) was given. The objection made to the recovery was that the note itself having been destroyed by the parties did not exist and could not be used as evidence of money had and received by the defendant and the evidence showing that it was given for the debt oí a third person, there was
Another objection to the recovery oí the plaintiff on the common counts (in that case) was that the old note was not given for a pecuniary consideration, and the defendant below had offered to shew that tho note was given for the debt of a third person, which debt was not for money, but for land sold by the plaintiff to him. The evidence was excluded and the objection overruled. On error brought, Sutherland, Justice, thought in this the Court erred, but Savage, Chief Justice, and Woodworth, Justice, held the note to be conclusive, and the judgment was affirmed. This case is directly in point in many respects. The note (as in the case under consideration) had been given up and cancelled. The note taken in its place proved to be usurious. The note given up and destroyed was given for the debt of a third person, which debt was/br land. Hero the debt was Doggctt’s and originally for land, and Cotten was Dog-gett’s surety, not only on the last note, but on the notes to Flake, and the note of 1839 which was substituted for the Flake notes.
We fully recognise the rule asserted by Lord Ellenborough cited by counsel for the defendant in error, that ‘the contract of a surety is strict,issime juris ’ and that he cannot be held beyond tho precise terms of his agreement, as laid down by the authorities generally. Nor has the case of Wells vs. Girling, 8 Taunton, 737, cited on behalf of defendant in error in which it was hold by the Court of Com . mon Pleas in England “that an action cannot bo supported upon the money counts, against one of the makers of a promissory note
But inasmuch as it very clearly appears, from the testimony in the case, as disclosed by the bill of exceptions, that on the second day of January, A- D., 1841, an agreement was entered into by and between the plaintiff in error, (who was also plaintiff below) and the said Doggett, by which the latter engaged to pay interest at the rate of two and one half per cent beyond the then legal rate of interest for the forbearance of the debt of f15,955 in the first count of the declaration mentioned, the contract was consequently, from that time tainted with usury, and the interest on the same is thereby ren. dered_ entirely void, according to the principles decided and settled i.n the case of Mitchell against Doggett at the last term (before cited)
The fourth section of the act above cited “ regulating interest,” Thompson’s Digest 235, No. 4. Duval’s Comp. 79, sec. 2, provides “ That when any note, notes, bond, or bonds, shall be upon or on account of any usurious contract, the interest on the same shall bo void and the obligor or obligors forever exonerated from the payment of the same.” It is not the usurious interest merely, but the entire interest which may have accrued after the date of the usurious contract from the payment of which the obligor is exonerated.— Now Cotten was a party to this note of $15,955 on which the usurious interest was (by the agreement between the plaintiff (Mitchell) and Doggett) to be paid. He was one. of the obligors. The usurious interest it is true, was secured by a separate note which was not signed by Cotten, but was signed by Doggett, and it has already been decided in the case of Mitchell vs. Doggett that they are one assurance. This $15,955 includes the $13,186 the sum secured to be paid by the note of 1839, and the usurious interest was to be paid on the whole sum. The interest on the whole was therefore void by this usurious agreement, from the time when the usury by that agreement commenced, which Doggett expressly says was on the 2d of January, 1841. But this is not all. The 7th section of the same act made it the duty of the Judges of the Superior Courts to charge the Grand Juries of their respective Counties, &c., to
We have looked into the other instructions asked by the plaintiff below and deem it proper to say that the second appears too broad. It should have excepted all the interest since the said second day of January, 1841. The third and fourth seem to be objectionable for similar reasons. The fifth was calculated to mislead the jury who from the testimony in the case were the proper judges of the question (if it were at all material) whether Cotten was a surety or a principal. The ninth and eleventh (with the exception of the last clause of the latter which might with propriety have been given) seem to embrace, only abstract propositions with which the jury had nothing to do.
The judgment is reversed and the cause remanded to the Court below for further proceedings in accordance with this opinion.
Per Curiam.
