Citizens National Bank v. City of Cincinnati

8 Ohio N.P. (n.s.) 393, 19 Ohio Dec. 685, 1909 Ohio Misc. LEXIS 36
CourtOhio Superior Court, Cincinnati
DecidedJune 1, 1909
StatusPublished

This text of 8 Ohio N.P. (n.s.) 393 (Citizens National Bank v. City of Cincinnati) is published on Counsel Stack Legal Research, covering Ohio Superior Court, Cincinnati primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Citizens National Bank v. City of Cincinnati, 8 Ohio N.P. (n.s.) 393, 19 Ohio Dec. 685, 1909 Ohio Misc. LEXIS 36 (Ohio Super. Ct. 1909).

Opinion

Hopeheimeb, J.

Plaintiff, a national bank of Cincinnati, seeks the" equitable intervention of this court, and asks that the court compel the defendants to issue to plaintiff a substitute bond in place of one alleged to have been misplaced by it, ■ " ' ' ' "

[394]*394In its petition it asserts ownership of a certain conpon bond issued and sold by the city of Cincinnati on the 1st day of June, 1905, in the sum of $500, with interest at 3% per cent, per annum, payable semi-annually, in December and June of each succeeding year, the bond itself maturing in June, 1905. The bond was one of seven hundred of a similar issue, and was numbered 649. It was issued in accordance with Ordinance 819, duly passed by the council of the city of Cincinnati, and it was duly signed by the mayor of the city. The bond and coupons are negotiable by delivery. It was puchased in the open market December 28, 1905, after one coupon had been paid. Before the arrival of the next interest-paying period, plaintiff “through inadvertence had mislaid said bond” (petition) , and since then no coupons have’ been paid. A.t some time after the loss or misplacing of the bond, plaintiff requested of defendants a substitute or re-issued bond; and it offered, upon such substitution or reissuance, to give the defendants “proper” indemnity. Defendants refused to comply with such request, and thereafter, on August 13, 1908', suit was brought in this court to compel defendants to substitute or reissue a bond of the value of the one alleged to have been lost, and incidentally judgment was asked for the coupons that had fallen due.

To this petition the defendants filed a joint and general de-, murrer, and the question presented to the court, stripped of all verbiage, is this: Has this court, sitting in chancery, the power under the circumstances .of this case to compel defendants to substitute or reissue a bond in place of the one lost or misplaced, and if there is power resident in the court so to do, are the circumstances of this case such as warrant the exercise of the power?

The defendants, arguendo, contend that no relief should be afforded the plaintiff, because of laches; that, plaintiff’s remedy is at law, and not in equity; that whlie there may be relief in equity in typical cases of “accident,” this is not such a ease, because it,.presents points of difference, which will be noted in the .course of,the opinion.

Since plaintiff:predicates its claim.for relief on an instrument alleged to be owned by it and alleged.to.be lost or misplaced, the [395]*395relief sought comes under the head of “accident,” a head of equity that is “very ancient and coeval with the existence of equity itself.”

Assuming that equity has jurisdiction to grant relief on the ground of accident, are the circumstances such as to warrant its exercise here?

Originally, before the equitable doctrines had been fully developed and defined, the jurisdiction growing out of “accident” was understood to embrace every kind of accident in which an unexpected result had been produced by accident — in a word, every kind of misfortune was ■ included. (Lord Coke, 4 Inst., 84.)

But Mr. Pomeroy, in his work on Equity Jurisprudence, directs attention to the error of Lord Coke (Sec. 825 and notes), and in formulating a definition to cover “accident,” expresses an important limitation.

While the author confesses the difficulties that prevent an accurate definition, because of the essential elements to be considered — the difficulty that causes the courts generally to refrain from attempting any definition — nevertheless one thing is made dear, and that is, that the thing complained of as the “accident” must be an unforseen and unexpected event, occurring external to the party affected by it and of which his own agency is not the proximate cause. [Italics, the author’s.]

And in Smith’s Manual of Equity Jurisprudence, 36, it is stated that “accident is an unforseen and injurious occurrence not attributable to mistake, neglect, or misconduct.”

Not only these definitions, but the cases hold that no relief is granted on the ground of accident, where the alleged accident is the result of plaintiff’s own fault or carelessness. (Pomeroy Equity Jurisprudence, Section 828, and cases cited.)

It appearing from the petition itself that the bond in- question was lost through plaintiff’s-inadvertence (synonomous-with heedlessness, inattention, carelessness^Century- - Dictionary)'; equity would-probably be very-slow-to-say that the misplacing of a bond- through inadvertence -was an “accident.

But even wheife it appears that there was an accident as equity understands it, the jurisdiction in equity because of accident [396]*396will not be exercised against a party wbo is equally entitled to protection with tbe one who seeks relief from the effects of accident. (Pomeroy Equity Jurisprudence, Section 829.)

In view of such principle, ought this court relieve the plaintiff from the effects of what it is not clear is an accident, where it is manifest that to do so will work hardship and inconvenience to the other party?

The municipal bond here in question and its coupons being negotiable (Clark v. Janesville, 1 Biss., 98), is good as against the city in the hands of a subsequent bona fide taker for value before maturity (City of Elizabeth v. Force, 29 N. J. Eq., 287), and the city having been notified of the loss, it seems is not protected by the subsequent payment of coupons to one who does not show himself a bona fide purchaser for value before maturity. (Bainbridge v. Louisville, 83 Ky., 285.)

Throughout the life of this bond, therefore, that is, for a period of forty-six years, the city, through no fault of its own, but through plaintiff’s inadvertence, has alreadjr the burden, in order to protect itself, of ascertaining whether the presenter of a coupon is a bona fide purchaser before maturity.

Considering this increased burden which defendant must now necessarily assume, and all without any fault on its part, and considering, further, the character of this defendant, that it is a municipal corporation with ever changing officers, the difficulties, because of such fact, that would necessarily lie in the way of earing for and watching the indemnity and of giving attention to its sufficiency during the ensuing forty-six years, it would seem to me, in view of the principle just referred to, that the situation is such as to justify the court in refusing relief, because of the ground upon which it is sought, to say nothing of the claim by defendant that plaintiff was further guilty of laches.

But. if it appear that the court is ultra-conservative in this deduction, and if it can be said that plaintiff is not, for the reasons stated, disqualified from -invoking the equitable intervention of this court, I am still unable to understand how this court, by a decree in equity, or by a mandatory injunction, can grant the relief asked and thereby compel these defendants to do an act which officially they are withopt power to do.

[397]*397Counsel for the city, for tbe purpose of testing the applicability of mandatory injunction when invoked as against a municipality and its officers, likens the same (and the authorities show very properly) to the legal writ of mandamus.

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Related

Rogan v. City of Watertown
30 Wis. 259 (Wisconsin Supreme Court, 1872)
Bainbridge v. City of Louisville
83 Ky. 285 (Court of Appeals of Kentucky, 1885)
Clarke v. Janesville
5 F. Cas. 962 (D. Wisconsin, 1856)

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Bluebook (online)
8 Ohio N.P. (n.s.) 393, 19 Ohio Dec. 685, 1909 Ohio Misc. LEXIS 36, Counsel Stack Legal Research, https://law.counselstack.com/opinion/citizens-national-bank-v-city-of-cincinnati-ohsuperctcinci-1909.