The complaint shows that the causes of action set forth therein accrued about a month before the war between the United States and Germany. The action was not commenced until the 17th day of January, 1927. Unless plaintiff may deduct from the computation of time the period of such war, the action is barred by the Statute of Limitations. (Civ. Prac. Act, § 48.) To that end plaintiff argues that section 28 of the Civil Practice Act does not apply where the “ disability ” is that referred to in section 27 of the Civil Practice Act which reads as follows:
“ § 27. Effect of war on right of alien. Where a person is disabled to sue in the courts of the State by reason of either party being an alien subject or citizen of a country at war with the United States, the time of the continuance of the disability is not a part of the time limited for the commencement of the action.”
Significantly, we find the very next section providing a limitation upon the period of disability. It must have been apparent to the codifiers that section 27 was limited by what immediately follows it:
“ § 28. Disability must exist when right accrues. A person cannot avail himself of a disability unless it existed when his right of action or of entry accrued.”
It is said that from a previous arrangement of the statutory limitations on actions it appears that the provisions of said section 28 do not apply where the disability is the one referred to in the present section 27. Reference is made to the Revised Statutes of *3911830 (Pt. 3, chap. 4; 2 R. S. 291 et seq.) entitled “ Of actions, and the times of commencing them.”
This chapter 4 embraces two titles, the heading of the second reading “ Of the time of commencing actions.” This title is divided into six articles. In the 4th we find section 32, which excludes “ the time of the continuance of * * * war,” as well as section 41 which reads:
“ § 41. No person shall avail himself of any disability enumerated in this Title, unless such disability existed at the time his right of action, or of entry, accrued.”
Note the words “ in this title.”
Section 32, the predecessor of section 27 of the Civil Practice Act, is one of the sections of said title 2; and, therefore, the disability it recognizes is one “ enumerated in this title,” namely, title 2.
This is an unambiguous statutory statement that the disability incident to a state of war shall not be availed of by “ an alien subject or citizen” (§ 32), “unless such disability existed at the time his right of action, or of entry, accrued.” (§ 41.)
The effect is intensified by section 42, also found in said article 4, reading as follows:
“ § 42. Where there shall be two or more such disabilities existing at the time the right of action or of entry accrued, .the limitations herein prescribed shall not attach, until all such disabilities be removed.”
In section 42 the words “ such disabilities ” refer back to that part of section 41 reading “ any disability enumerated in this title; ” and the effect of section 42 is to make more imperative the conclusion that the disabilities referred to are those enumerated in title 2, the very thing that section 41 sets forth in the clearest language, “ any disability enumerated in this title.”
Furthermore, if we follow the plain meaning of the statutory provision, the result reached will be harmonious with the law on this subject which has always prevailed since the first adoption of statutory limitation on actions in England.
To avoid the plain effect of the statute and to justify a departure from the law established for several hundred years, reference is made to the heading of article 4 of said title 2, which article embraces sections 32,41 and 42 just mentioned. This heading reads ‘' General provisions concerning the commencement of suits, and the persons and cases excepted from the operation of the preceding articles of this title.”
In the first place, this is a double heading. It includes (a) General provisions concerning the commencement of suits, and (b) persons *392and cases excepted from the operation of the preceding articles, that is, articles 1st, 2d and 3d of title 2.
If there be occasion to harmonize the plain language of section 41, referring to any disability enumerated in title 2, with the heading of article 4, then section 41 may be regarded as one of the “ general provisions ” of said article 4. But, even were we to feel constrained to regard section 41 as coming within the second part of the superscription of article 4, the effect of the heading would not be to negative the clear and wholly unambiguous statement of section 41 to the effect that it applies to any disability enumerated in title 2.
When we come to the Code of Procedure (§§ 103, 106), and later, to the Code of Civil Procedure (§§ 404, 408), the provisions we are discussing are found under the heading “ General provisions as to the time of commencing actions ” and finally reading simply “ General provisions.” If any inference is to be drawn, it is that the important part of the old heading was the first part, “ General provisions; ” the second part being dropped entirely.
In section 27 of the Civil Practice Act the word “ disability ” shows that the Legislature regarded an enemy alien as being under a “ disability.” In the absence of any unexceptionable explanation to the contrary, the Legislature must be presumed to have intended the only inference permissible from the present arrangement.
Section 28 is expressive of the general rule that, when the Statute of Limitations once begins to run, it continues to run, notwithstanding any subsequent disability. (See Peck v. Randall, 1 Johns. 165; Cooley v. Lobdell, 82 Hun, 98; Bucklin v. Bucklin, 1 Abb. Ct. App. Dec. 242, 251.)
Under the statute (21 Jac. 1, chap. 16) it was uniformly held that once the statute commenced to run, no subsequent disability could stop it; and as early as 1791 we find Lord Kenyon saying (Doe v. Jones, 4 T. R. 300, 310): “ I confess I never heard it doubted till the discussion of this case, whether, when any of the Statutes of Limitations had begun to run, a subsequent disability would stop their running. If the disability would have such an operation on the construction of one of those statutes, it would also on the others. I am very clearly of opinion on the words of the Statute of Fines, on the uniform construction of all the Statutes of Limitations down to the present moment, and on the generally received opinion of the profession on the subject, that this question ought not now to be disturbed. It would be mischievous to refine, and to make nice distinctions between the cases of voluntary and involuntary disabilities; but in both cases when the disability is once removed, the time begins to run.”
This has been referred to by the Court of Appeals as an authority *393“ of the highest standing.” (Scallon v. Manhattan R. Co., 185 N. Y. 359, 364.) A very clear discussion of the rule will be found in McDonald v. Hovey (110 U. S. 619).
The English courts in considering a similar statute held that judges may not read into the statute exceptions which do not exist. Thus, in Beckford v. Wade (17 Ves. Jr. 87) Sir William Grant, M. R., answered negatively this query: “ are we therefore to introduce into a Statute, conceived in general terms, all the exceptions, which * . * * the Statute should have contained * * *? ” saying further: “ The proposition, that this construction, under the doctrine of inherent equity, is put upon our English Statutes of Limitation, is, as I apprehend, altogether unfounded. General words in a Statute must receive a general construction; unless you can find in the Statute itself some ground for limiting and restraining their meaning by reasonable construction, and not by arbitrary addition or retrenchment.”
A leading authority in this connection is Bennett v. Worthington (24 Ark. 487). It disposes effectively of the proposition that judges should “ interpret ” Statutes of Limitation so as to give a remedy to a plaintiff where a war has prevented the enforcement of rights.
Chief Justice Marshall stated in McIver v. Ragan (2 Wheat. 25, 29, 30) that the courts could not insert in the Statute of Limitations an exception which the statute does not contain. In the same case he said (at p. 29): “ The Statute of Limitations is intended, not for the punishment of those who neglect to assert their rights by suit, but for the protection of those who have remained in possession under colour of a title believed to be good. * * *
“ Wherever the situation of a party was such as, in the opinion of the Legislature, to furnish a motive for excepting him from the operation of the law, the Legislature has made the exception. It would be going far for this court to add to those exceptions. It is admitted that the case of the plaintiffs is not within them, but it is contended to be within the same equity with those which have been taken out of the statute; as where the courts of a country are closed so that no suits can be instituted. * * * If this difficulty be produced by the legislative power, the same power might provide a remedy; but courts cannot, on that account, insert in the Statute of Limitations an exception which the statute does not contain. It has never been determined that the impossibility of bringing a case to a successful issue, from* causes of uncertain duration, though created by the Legislature, shall take such case out of the operation of the Act of Limitations unless the Legislature shall so declare its will.”
In McDonald v. Hovey (supra) the American and English cases *394with reference to Statutes of Limitation and the effect of disability were considered, and we find the following: “ In view of these authorities and of the principles involved in them, and from a careful consideration of the language of the law itself, we are satisfied that it was not the intention of Congress, either in the. 22d section of the act of 1789, or in the 2d section of the act of 1872, or in the 1008th section of the Revised Statutes, to change the rule which had always, from the time of Henry Seventh, been applied to Statutes of Limitation, namely, the rule that no disability will postpone the operation of the statute unless it exists when the cause of action accrues; and that when the statute begins to run no subsequent disability will interrupt it.” (See, also, opinion on same point in United States District Court for Southern District of New York in case of Aachen & Munich Fire Ins. Co. v. Guaranty Trust Co. of New York, handed down September 19, 1927; also opinion in same case dated July 1, 1926.)
The plaintiff could have commenced this action before the war. Although a reason is now given for the failure to do so, no excuse is offered for not bringing this action during the two years following the war.
The complaint made by the plaintiff that a hardship will follow a decision that the Statute of Limitations applies to this action, overlooks the fact that at least as great hardship follows from the fact that a claim is permitted to remain for several years without any action and is then sought to be enforced against a citizen of this State at a time when its enforcement becomes very burdensome, if not unjust.
As to the assertion that there was a “ partial payment,” it is sufficient to refer to the brief for plaintiff, which shows that there has been neither a payment of interest nor such a part payment as would take the case out of the statute. The payment was evidently intended to be a payment in full. In any event it did not imply a further payment. (See Harper v. Fairley, 53 N. Y. 442; Van Keuren v. Parmelee, 2 id. 523.)
The order should be reversed, with ten dollars costs and disbursements, and the motion granted, with ten dollars costs.
Dowling, P. J., and Merrell, J., concur; Finch and McAvot, JJ., dissent.