Mullen v. First Guaranty State Bank

1925 OK 562, 239 P. 161, 113 Okla. 84, 1925 Okla. LEXIS 887
CourtSupreme Court of Oklahoma
DecidedJune 30, 1925
Docket16349
StatusPublished
Cited by4 cases

This text of 1925 OK 562 (Mullen v. First Guaranty State Bank) is published on Counsel Stack Legal Research, covering Supreme Court of Oklahoma primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mullen v. First Guaranty State Bank, 1925 OK 562, 239 P. 161, 113 Okla. 84, 1925 Okla. LEXIS 887 (Okla. 1925).

Opinion

PHELPS, J.

This case was originally filed in the district court of Carter county, Okla., by defendant in error, as plaintiff, against plaintiff in error, as one of the defendants, for the foreclosure of a certain real estate mortgage. Defendant, in the court below, defended principally, upon the grounds that at the time of the execution of the mortgage in question she was mentally incompetent. The cause was tried to the court, without a jury, who found in favor of the plaintiff, from which finding and judgment of the court appeal is prosecuted here.

For convenience the parties will be referred to as they appeared in the court below.

In appealing to this court counsel for the defendant discuss two assignments of error, in the first of which they contend that the trial court erred in admitting testimony to show that the mortgage in question was given to secure the note.in evidence. We have carefully examined the record on this assignment of error, and, in our judgment the same is without merit, and the real question in the ease is, What was the mental ca^ pacity or condition of defendant when the mortgage in question was executed? And to this assignment of error we will direct our attention and upon which we will dispose of the case.

Sectio'n 4981, Gomp. Stats. 1921, reads as follows:

“A person entirely without understanding has no power to make a contract of any kind, but he is liable for the reasonable value of *85 things furnished to him necessary to his support, or the support of his family.”

Much evidence was introduced as to the mental condition or capacity of defendant on the 19th day of December, 1922, when the mortgage in question was executed, and from the evidence introduced we learn, beyond question, that for sometime prior to said date and extending down to the present time the defendant was not mentally sound, the evidence being somewhat conflicting as to her exact condition in this respect. It appears at times she would be entirely rational and at other times would be irrational; that at all times, however, she was allowed to go and come at her will and pleasure and was not under any sort of restraint, except at her own will one witness describing her as “queer or cleverly eccentric,” and another, a doctor, testified that he saw her occasionally and that her mental condition had been bad for several years. Her sister-in-law. who had occasion to observe her constantly, said that “there were times when Floy would be at herself.” Another witness testified that she called upon defendant to assist her in preparing a paper for a club, and that defendant wrote a poem for her which she describes as “wonderful” and “contained merit.” although the language was “excited and unusual.” The record also discloses that on October 9, 1922, prior to the execution of the mortgage on December 19, 1922, defendant was appointed administratrix of the estate of E. C. Mullen by the county court of Garter county; that she qualified and served in that capacity unnil the 17th day of September, 1928, when she was removed upon the grounds of neglect of duty and refusing to account for monies collected by her. Upon the trial of this cause in the district court of Garter county the trial court found that “the said Floy Mullen was not insane or incompetent at the time of the giving of said mortgage.”

Counsel for defendant cite Norris v. Dagley, 64 Okla. 171, 166 Pac. 718, holding that:

“Where the evidence showed that a woman who executed certain notes and a mortgage given to secure same had, prior to the date thereof, been committed to the asylum for the insane, and was afterwards paroled into the custody of her husband, and had later, after the execution of said instruments, been recommitted to the asylum, that at all times between these dates .she was suffering from a mental disease of slow progress and. her condition grew steadily worse; that she suffered from delusions, and, while in the custody of her husband, was guarded by a man or kept locked in a room, that she would frequently have fits, and every two or three days become violent and wanted to fight, and that she was irrational and unable to carry on an intelligent conversation upon any subject, and this condition was shown to exist up to within a very few days of the execution of the said notes and mortgage — the court was warranted in finding that she was wholly without understanding within the meaning of the statute.”

They also cite Long v. Anderson, 77 Okla. 95, 186 Pac. 944, holding that:

“A person entirely without understanding has no power to make a contract of any kind, and is only liable for the reasonable value of things furnished him for his support or the support of his family. Under this section the test of the capacity to make a deed is that the grantor shall have the ability to understand the nature and effect of the act in which he is engaged, and the business he is transacting; and, where it is made to appear that such-grantor was incapable of comprehending that the effect of the deed when made, executed, and delivered would be to divest him. of the title to the land set forth in the deed, the same is void.”
“Where it is shown that the grantor executing a deed has been an idiot all his life, has never transacted any business of any character, cannot read or write, or understand the simplest matters, he is ‘entirely without understanding, within the meaning of the statute.”

However, the facts in the above cited case are materially different and show a much greater aggravated case of mental derangement than the evidence discloses in the case at bar. We are not disposed to place a narrow, or indeed a very strict, construction upon the wording of section 4981, Comp. Stats. 1921, referring to persons “wholly without understanding.” Even persons violently insane are, at times, not “wholly without understanding.” but it could not be contended that an insane person, in such condition, is capable of executing a valid mortgage. Fortunately, we are not without precedent in construing this section of the statute. In Miller v. Folsom, 49 Okla. 74, 149 Pac. 115, this court had this statute under consideration and held that:

“The test of capacity to make a deed is ■that the grantor shall have the ability to understand the nature and effect of the act in which he is engaged and the business he is transacting. To invalidate a deed it must appear that the grantor was incapable of comprehending that the effect of the deed, when made, executed, and delivered, would be to divest him of the title to the land set forth in the deed.”

The same question was again before this court in Loman v. Paullin, 51 Okla. 294, 152 Pac. 73, wherein this court said:

*86 “Mere weak-mindedness, whether natural or produced by old age, sickness, o,r other infirmity, unacc< mpanied by any other inequitable incidents, if the person has sufficient intelligence to understand the nature of the transaction, and is left to act upon his own free will, is not a sufficient ground to defeat the enforcement of an executory contract, or to set aside an executed agreement or conveyance.” (Following the rule laid down by Pomeroy's Equity Jurisprudence, vol. Z, section 947.)

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Bluebook (online)
1925 OK 562, 239 P. 161, 113 Okla. 84, 1925 Okla. LEXIS 887, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mullen-v-first-guaranty-state-bank-okla-1925.