Scottish-American Mortgage Co. v. Bunckley

41 So. 502, 88 Miss. 641
Mississippi Supreme Court·Decided April 15, 1906·Published·Cited by 14 cases

Opinion

Campbell, Special J.,

delivered the opinion of the court.*

This case was before this court on demurrer to the bill, and was reported in 81 Miss., 599 (33 South. Rep., 416). The demurrer was held bad, because it was decided that Albert N. Bunckley, the complainant, was entitled to an interest in the land in his own right as a son of Nathan Bunckley and also as grantee of his brother, W. K. Bunckley. The cause was remanded, and the bill was answered by the mortgage company and by some of the other defendants, and was heard on pleadings and evidence, and resulted in a decree for the complainant for the interest in the land sued for and rent for the use of it. The grounds set up for the defeat of the claim óf complainants are res adjudicata, estoppel by conduct, and the statute of limitations of ten years.

[648] The defense of res adjudicata consists of a decree in a case in which complainant exhibited a bill of chancery in which he propounded a claim of ownership of an interest in the land embraced in this suit by virtue of two conveyances set forth in his bill, which are altogether different from the claim he makes in this suit. It was held in that case on appeal to this court that he had no right by virtue of the claim made in that suit. The subject-matter of the two suits is different, and the former decree is not a bar to the claim made in this. That case is reported in Bunckley v. Jones, 79 Miss., 1 (29 South. Rep., 1000), by reference to which the manifest difference between the two cases will be apparent.

The presentation relied on as estopping by conduct is, as to Albert N. Bunckley, that he was at the home of his father, Nathan Bunckley, when the agent of the mortgage company was there to inspect the land for a loan of money on it by the company, and was cognizant of the proposed loan, and was silent as to any claim of his own to the land; that a large body of some 3,000 acres of land was conveyed in 1847 by Ransom Bunckley in remainder, after a life estate to his three sons, of whom Nathan was one; that soon a partition was made between the three grantees and a partition deed executed; that Nathan went into possession of the part allotted to him and soon acquired other interests in the large tract by purchase from co-owners, and from 1873 or before was in possession as sole owner of all the land in controversy, dealing with it as his own, having it assessed as his, paying the taxes, receiving the rents, selling timber — in short, exercising all such acts of individual ownership and control as pertains to complete and undisputed ownership, and that in order to get the loan from the mortgage company Nathan made affidavit that his father had long, owned the land and his title had never been disputed, and that he had acquired it from his father by the conveyances in 1847, and had gone into possession [649] in the early ’70’s, and his title had never been questioned, and he had, as he believed, a perfect title in fee simple; that an attorney at law employed by Nathan had made an abstract of the title, and given an opinion that it was perfect in Nathan, whereupon the sum of five thousand dollars was loaned and a deed of trust taken on the land, under which the mortgage company acquired title by a sale in accordance with the deed in 1893. Albert N. Bunckley, the complainant, lived with his father, Nathan, on the land, and cultivated a part of it, and was on the land with his father when it was sold under the deed of trust, and was dispossessed with his father by a proceeding of unlawful detainer, after the sale.

The question is: Is he estopped by his silence ? The truth is, he did not know that he had any interest in the land. As stated by counsel for the mortgage company,' “it was not considered in the family at that time, nor until after 1893, that the children of Nathan had any interest whatever in the property in controversy.” His ignorance of his rights precludes the claim of estoppel by his mere silence. 11 Am. & Eng. Ency. Law, 433, 434b, and cases cited; Pomeroy Eq. Jur., sec. 805; Houston v. Witherspoon, 68 Miss., 190 (8 South. Rep., 515); Hignite v. Hignite, 65 Miss., 417 (4 South. Rep., 345; 7 Am. St. Rep., 673); 7 Ballard on Heal Property, p. 40. Apart from this, it is by no means certain that he knew of the loan being effected, and if he did, he was under no legal obligation to assert his claim, to interfere with the success of his father’s application for a loan. His title in fact had not then accrued, so far as he derived from his brother, W. H. Bunckley, and his claim arising from the conveyances of Hansom, Bunckley in 1847 was of record and constructively as much known to the mortgage company as to him.

The claim of estoppel as to the interest in the land acquired by complainant by conveyance of W. H. Bunckley is based on the fact that on January 5, 1891, W. H. Bunckley opened a written correspondence with the agent of the mortgage company in [650] behalf of his father about the deed of trust aud its payment, and wrote several letters in which he spoke of the land as his father’s, and about paying the debt of his father, and made no claim of his own to any interest in it, and as the mortgage company after-wards sold the land, and purchased it, W. R. Bunckley was estopped to assert any claim to it, and, he being estopped, complainant, his grantee, is. ■ But W. R. Bunckley was ignorant of his right to the land, and did nothing by which the mortgage company was misled to its prejudice. It thought it had a lien on the fee simple and a perfect claim on the land by virtue of its deed of trust, relied on that, and could not have been misled by any act of W. R. Bunckley, on which it did'not rely. He was not estopped, and his grantee took his title free from estoppel.

The statute of limitations is not a bar, for the reason that, although they did not know it, as before stated, Nathan Bunckley, who thought he Avas sole owner, Avas a co-tenant with the complainant and W. R. Bunckley, and his possession Avas, in Anew of the law, that of all the co-OAvners, and the statute of limitations could not be set in motion until an ouster or its equivalent, and there was none. “A conveyance alone, without possession taken under it, can never amount to an ouster. The same remark is applicable to a mortgage of the whole.” Freeman on Cotenancy, sec. 226; Warvelle on Ejectment, sec. 450, et seq.j Wood on Limitations, p. 621. The intimate relationship betAyeen the co-tenants here is an important circumstance. Warvelle on Ejectment, sec. 456. In such case much stronger evidence is required to start the running of limitations than among strangers. Wood on Limitations, p. 621.

The domplainant is entitled to recover the land, as held by the decree of the chancellor, but is not entitled to rent of the interest acquired in 1898 from W. R. Bunckley prior to that date.

The mortgage company sought to amend its answer, so as to set up the six-year statute as a bar to the claim for rent and to have stricken out of the bill an amendment allowed long before, [651] and was refused, we think properly, because, while amendments are to be liberally allowed, there is a limit to liberality, and it was reached in this case.

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Scottish-American Mortgage Co. v. Bunckley, 41 So. 502, 88 Miss. 641 (Mich. 1906).

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