Mossop v. Bidwell

Houck, J.

This cause is here on appeal from the common pleas court of this county.

The plaintiff claims, in his amended petition: That J. W. Bidwell and his wife, Ida Bidwell, are indebted to him in a sum amounting to about $2,150, with interest, due to him on a mortgage note of $3,900, the said note and mortgage bearing the date of September 1, 1909; that said mortgage was duly filed for record in the recorder’s office of Stark county, Ohio, on the 3d day of September, 1909, and that said mortgage is the first and best lien on the. real estate described therein; that on the 22d day of November, 1910, *197he assigned said mortgage as per the terms of a written contract as collateral security to The Stark-Tuscarawas Breweries Company, a corporation; that afterwards, on the 19th day of July, 1912, he paid and fully discharged all his indebtedness to . said breweries company, and while said mortgage was in full force and effect as between him and the mortgagees, the said breweries company, by mistake on its part and without the knowledge of plaintiff, placed a notation on the mortgage record of said mortgage in the recorder’s office of Stark county, Ohio, which he claims was only intended as a release of said assignment of said mortgage as collateral security to said breweries company, but that by inadvertence and unintentionally the said breweries company placed the usual notation of a full release thereon. Plaintiff asks that certain mortgages on said premises, one of $835 bearing date of May 14, 1912, and one for $1,801 bearing date of September 30, 1913, held by the state superintendent of banks of Ohio, be declared inferior and subsequent to his said 'mortgage lien, and in fact prays that they be cancelled and held for naught.

The defendant, the superintendent of banks of the state of Ohio, by answer denies all of the material allegations in the amended petition of plaintiff, and especially avers that, by reason of the notation made on the margin of the record in said mortgage record containing the recording of said plaintiff’s mortgage by the said' breweries company, the same was released of record, and that by reason thereof the mortgages heretofore mentioned of said superintendent of banks of the state *198of Ohio are the first and best liens on the real estate described therein, and further that the said pretended lien of plaintiff on his alleged mortgage is and has no force and effect in law.

The only issue in this case, as we view it, is as to the legal effect of the transfer and notation thereon of the Daniel Mossop mortgage, in the light of the facts as shown by the evidence and the law applicable thereto, the notation on the mortgage record being as follows:

“Canton, Ohio, Nov. 22, ipio.

“For a good and valuable consideration I hereby sell, assign, convey and transfer all of my right, title and interest to the within note and mortgage to the Stark-Tuscarawas .Breweries Company, a corporation, per the terms and conditions of a contract of even date herewith, by and between the parties hereto.

“Daniel Mossop.

“Copied from original mtg. Nov. 22, 1910.

“M. E. McFarren, Recorder, by G.”

“Canton, Ohio, July rp, rpi2.

“This is to certify that the conditions of this mortgage have been satisfied.

“The Stark-Tuscarawas Breweries Co.,

“By John F. Weiss, Secy. & Treas.

“M. E. McFarren, Recorder. Copied from original mtg. 7-9-12.”

*199From an examination of the language contained in the above transfer it will be readily seen that it is a conditional or limited transfer, and is not absolute and entire. In other words, the transfer is in extent and scope limited, as in the language, “per the terms and conditions of a certain contract of even date herewith, by and between the parties hereto,” meaning the plaintiff and the breweries company. The only right the breweries company had in and to the mortgage was that given to it by the transfer, and when it attempted to release it, whether inadvertently or otherwise, it did so without any authority in fact or in law as between the rights of the mortgagors and mortgagee. We think the language in the transfer is of such character and nature, not being absolute on its face, but a limited transfer, which is clearly patent by the language contained therein, as to be sufficient notice for persons examining the title of the premises described in said mortgage to know that the transferee of same is not the absolute owner thereof and has no right to release it of record. The evidence in this case clearly shows, and in fact it is undisputed, that the representative and agent of the state superintendent of banks, who examined this title, made no inquiry as to any contract and made no examination as to whether or not the same was of record, although at this time the contract referred to in said transfer was of record and could have been found in Vol. 482, page 153, of the mortgage records of Stark county, Ohio. An examination of the contract would have disclosed the fact that the breweries company was *200not the owner of the mortgage in question and was without authority to release the same.

We think it is a well-settled principle of law that whenever a party has information or knowledge of certain extraneous facts which of themselves do not amount to or tend to show actual notice, but which are sufficient to put a reasonably prudent man upon inquiry respecting a conflicting interest, claim or right, and the circumstances are such that the inquiry if made and followed up with reasonable care and diligence would lead to a discovery of the truth and a knowledge of the interest, claim or right which really exists, the party is absolutely charged with a constructive notice of such interest, claim or right, and the presumption of knowledge is then conclusive.

In view of what we have already said we think that the law and equities are in favor of the plaintiff, that he is entitled to the relief prayed for in his petition, that said notation placed on the mortgage record by the breweries company should be stricken therefrom and held for naught, and that judgment should be entered in favor of the plaintiff on his note, with interest, and said real estate described in the amended petition be sold and the proceeds first applied to the judgment of plaintiff.

Judgment and decree accordingly.

Shields and Powell, JJ., concur.