Sovereign Camp, W. O. W. v. Johnson

64 S.W.2d 1084, 1933 Tex. App. LEXIS 132
CourtCourt of Appeals of Texas
DecidedJune 9, 1933
DocketMotion No. 7591; No. 7845.
StatusPublished
Cited by3 cases

This text of 64 S.W.2d 1084 (Sovereign Camp, W. O. W. v. Johnson) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sovereign Camp, W. O. W. v. Johnson, 64 S.W.2d 1084, 1933 Tex. App. LEXIS 132 (Tex. Ct. App. 1933).

Opinions

This suit was instituted by appellee Mrs. Cora Johnson, the beneficiary, against appellant, Sovereign Camp, Woodmen of the World, and the First National Bank of Brownwood, Tex., upon a beneficiary certificate issued by appellant to appellee's husband, Jonathan D. Johnson, on October 5, 1898. If it was in force at the time of his death on January 11, 1930, the certificate had a value of $1,212.68, but appellant contended that the certificate had become void because of the failure to pay the assessments due thereon for the months of October, November, and December, 1929, which assessments, it is conceded, were never paid. Under the terms of the beneficiary certificate and appellant's constitution, laws, and by-laws to which it was subject, a member was automatically suspended unless his monthly assessment was paid during the month, and until his reinstatement his beneficiary certificate was void. It is thus apparent that, on account of the failure to pay said monthly installments, no right of action existed upon the certificate, in the absence of facts showing waiver or estoppel.

Appellee relies upon the following facts as showing that appellant is estopped to assert a forfeiture of the certificate: Mr. and Mrs. Johnson had moved away from Brownwood in 1908, but he continued his membership in appellant's camp at Brownwood, and continued to carry an account in the First National Bank of Brownwood. From the time of the removal from Brownwood in 1908 to the month of August, 1929, the clerk of appellant's camp at Brownwood each month presented the receipt for Mr. Johnson's current assessment to the bank, whereupon the bank paid the assessment and charged it to his account. It appears that Mr. Johnson had never executed any instrument in writing authorizing the payment of his assessments in that manner, but they were invariably paid in that way, and not a single assessment was paid in any other manner during that period so far as the record shows. In August, 1929, however, the bank notified the clerk of the Brownwood camp that no such payments would be made in the future without express written authority from the depositor. The bank then furnished the clerk with signature cards to be sent to Mr. Johnson and to other members whose dues had been paid in like manner, the execution of which cards would have enabled the clerk to draw against the several accounts for the dues of the members.

The Woodmen clerk at Brownwood, Brown Garrett, testified that on August 10, 1929, he mailed to Jonathan D. Johnson at Vance, Tex., a letter reading as follows: "The banks are requiring that we get your authority to draw draft on your account for your insurance, so we are enclosing a card and ask that you sign your name on the top line where *Page 1086 ink dash appears. Please sign and return at once. Yours very truly, B. H. Garrett, Clerk, W. O. W., Box 173, Brownwood, Texas."

Appellee admitted that her husband received the letter from Mr. Garrett, and that they discussed the matter together, although she thought it had been received in October instead of in August. Being unwilling to give the clerk unlimited authority to draw against the account, Mr. Johnson requested appellee to write a letter to the bank requesting it to continue to pay the Woodmen dues on presentation of the receipt by the clerk. She testified that she wrote such a letter, properly stamped and mailed it; the officials of the bank testified that no such letter was ever received.

The writing of the letter to the bank was the only attempt made by Mr. Johnson or appellee to communicate with any one after the receipt of Mr. Garrett's letter. They did not directly reply to the letter, nor did they make any effort to ascertain whether or not the letter written by appellee was actually received by the bank. Although the bank had stated that no further assessments would be paid until it received written authority to do so, it nevertheless paid the August and September assessments. It refused, however, to pay the assessments for October, November, and December, and default and suspension followed.

On the other hand, Mr. and Mrs. Johnson received no further communication from the bank or from the clerk, and they assumed that all assessments were being paid by the bank. It was only after Mr. Johnson's death that appellee learned that the October, November, and December assessments had not been paid. It is true that about November 18 appellee received a bank statement containing a receipt for the September assessment, but no receipt for the October assessment. A careful examination of the statement and its inclosures would have disclosed that the October dues had not been paid. It is further true that Brown Garrett testified that on November 10 he sent Mr. Johnson a notice of suspension, which was not returned to him, but appellee testified that the notice was never received. There is no reason to believe that Mr. Johnson deliberately quit paying the assessments on his certificate after keeping it in force for thirty years, and we are justified in assuming that he thought the dues were being paid by the bank. There was at all times sufficient money in the bank to pay the October, November, and December assessments.

While appellee contended that the above circumstances created an estoppel against appellant, she sought judgment against the bank because of its failure to continue the payments in the event it should be held that appellant was not estopped to assert a forfeiture of the certificate. In a trial to the court without a jury, judgment was rendered in favor of appellee against appellant, Sovereign Camp, Woodmen of the World, and she was, of course, denied recovery against the bank. She has not appealed from the judgment in favor of the bank, and that portion of the judgment is, accordingly, not before us for review. No findings of fact or conclusions of law were filed by the trial court.

Appellant's principal contentions are (1) that, under its constitution, laws, and bylaws, and under article 4846, R.S. 1925, it could not in any event be estopped by the acts or omissions of the clerk of the local camp; and (2) that the facts are not sufficient to show an estoppel.

The first of these contentions is, in our opinion, unsound, for, while it is true that the clerk of the local camp is a special agent with limited powers, he is, nevertheless, expressly authorized, and it is made his duty, to collect the assessments and dues from the members. The entire conduct of the clerk upon which appellee relies to show an estoppel arose in connection with his duty to collect dues from the members, and it is our opinion that, while he was so acting, appellant was bound by his acts. We do not mean to say that appellant would be responsible for any act of the local clerk except those done in carrying out the functions specifically delegated to him, but within the limits of that authority we are of opinion that appellant would be bound by his acts. In the case of Sovereign Camp, Woodmen of the World, v. Putnam (Tex.Civ.App.) 206 S.W. 970, 973, the member had changed his occupation to that of saloon keeper, which under the rules of the Sovereign Camp required the payment of an increased assessment. This change of occupation was well known to the clerk of the local camp, but he made no attempt to collect the increased dues. The Sovereign Camp contended that it was not estopped to claim a forfeiture of the certificate, for the reason, among others; that the clerk could not estop it by his acts.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Ratcliff v. National County Mutual Fire Insurance Co.
745 S.W.2d 75 (Court of Appeals of Texas, 1988)
Supreme Forest, Woodmen Circle v. Hare
105 S.W.2d 414 (Court of Appeals of Texas, 1937)
Sovereign Camp, W. O. W. v. Moraida
85 S.W.2d 364 (Court of Appeals of Texas, 1935)

Cite This Page — Counsel Stack

Bluebook (online)
64 S.W.2d 1084, 1933 Tex. App. LEXIS 132, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sovereign-camp-w-o-w-v-johnson-texapp-1933.