Swett v. Horn

1 N.H. 332

• Court: Superior Court of New Hampshire
• Decided: November 15, 1818
• Status: Published

Opinion

The opinion of the court was delivered by

Richardson, C. J.

At common law, when lands were granted upon condition that the conveyance should be void upon the payment oí a certain sum at a particular time by the grantor, if he perid the money,, orBsatfte a legal tender of it at the day, he immediately acquired a right of entry, and the land was forever discharged, from the incumbrance

(1). Coke, in his commentary upon this section of Littleton, says-that “this is to be understood that he that ought to “ tender the money is of this discharged forever to make “any other tender; but if it were a duty before, though the “ feoffer enter by force of the condition,, yet the debt or duty “remaineth.” And he thus illustrates this doctrine — “As “if A. borrowed of B. IGOi., and after mortgageth land to “ B. upon condition for payment thereof, if A., tender the “ money to B., and B. refuseth it, A. may enter into the land, “ and the land is freed forever of the condition, but yet the ‘iéebt remaineth and may be recovered by action of debt.” And the law is without doubt the same, here at this day. If the condition of a mortgage is performed at the day, according to the terms of itor, what is equivalent, if a legal tender of performance is, made and refused, the land is forever discharged from the incumbrance. And at common law, if the mortgagor neglected to pay at the day, the estate of the mortgagee became absolute, and the land was gone o /r\^ iorever(2).

But by the first section of our statute: of February 16, 1791,(3) it is enacted that real estate pledged by mortgage may be redeemed by paying all costs, &c., in addition to payment and performance of the condition, provided such payment or performance, or tender thereof, be made within one year after the entry of the mortgagee for condition broken. And by the second section of the same statute it is enacted “ that in all cases where payment shall be made, or tendered as “ aforesaid, or the condition on which any real estate was “ conveyed shall be performed, the same mortgage, or deed “ of bargain and sale with defeazance, shall be utterly void.” The same section makes it the duty of the mortgagee in such case, upon tender of his reasonable charges therefor, to repair to the office where the deed is recorded, and acknowledge satisfaction on the margin of the record, or execute a sufficient release; and makes him liable, in case of neglect for ten days, to pay all damages, to be recovered by ac^0I1) treble costs. The statute of January 16. 1795, (4) provides that the justices of the superior court, upon petition by the mortgagor, may decree a discharge of the mortgage when payment has’ been made or tendered, and that an attested copy of such decree* -filed in The office of-the registry of deeds where the land lies, shall have ;in law the effect of. a release. But when such decree is founded, upon a ten-dery the sum tendered must be lodged in court for the use? of the mortgagee. ■ ■

= On .the-part 'of the tenants in this case it , has been urged that the words,utterly void,’’ in the statute,; are'not to be understoodditerally, but are.to be construed in a restricted sense, .to mean that, the deed shall be: so far void* upon; payment' or tender of payment after condition broken, as to entitle the mortgagor to a release, &co; because if the deed is to be considered in suchucase as absolutely void, the .provisions, of the statute relative to.a. release are wholly unnecessary* the land being already upon this construction discharged from the incumbrance. To this it may be answered, that although the deed be absolutely void, and the land discharged, still the provisions of the act of 1791, relative to a release, and the. provisions of the statute of 1795, relative to a decree of satisfaction upon petition, are not without their use '; they at least may save the mortgagor front the risk and trouble of perpetuating the evidence of payment or tender of payment.

> It has-also been contended, ¡that the makers of the act of 1795 could not have understood the land to have been dis-chargediby a tender of the money:; otherwise they would not have compelled'the mortgagor to lodge the money'tendered in eourtfor the use of the mortgagee. But itmustbe remembered1 > that»the act' of- 1795 was- introduced for the benefit of the mortgagor, and to enable him to make the discharge of the mortgage a matter of record; and the makers of that act might have thought it not unreasonable, though the land was discharged, that the money tendered should be brought into court before such discharge became a matter of record. It is not, therefore, to be inferred from this that they considered the mortgage as in force after a tender. Besides, it is very manifest, from the language of both statutes, that the provisions in the one to compel the mortgagee to execute a release, and those in the other to enable the court to decree satisfaction upon petition,-extend as well to cases where the condition has been performed at the day, as to cases where payment has been made or tendered after condition broken. This is in our opinion- a decisive answer to all arguments drawn from those provisions to shew that the deed is not to be construed as absolutely void; for upon payment at the day it is most clearly so.

It seems to us that the intent of the statute of 1791 was to make payment, or tender of payment after condition broken, equivalent to all intents and purposes to payment or tender of payment at the day mentioned in the condition.

1. Because such is the natural and obvious import of the language used. The deed shall be utterly void; Upon payment of the money at the day, the deed is utterly void at common law; and we are not able to see any inconvenience that can arise from holding it to be so under the statute, upon payment after condition broken. There is, therefore, no reason why we should construe the words of the statute otherwise than according to their natural import. -- ■ - ■ - - V

2. Because, upon any other construction-, the mortgagor, from the passing of the act; of 1791 to the passing of the act of 1795, must have been without remhdy to regain the land itself, in case the mortgagee chose to retain it. For the provincial act of 12 Geo. 1, cap. 106, was repealed and ceased to be in force at the time the statute of 1791 went into operation(5). And we think that the legislature could not have intended to leave the mortgagor without remedy in this respect. At least we think that we ought not, against the plain letter of the statute, to .suppose they so intended. : . : c v

Jq the present ease there is ao complaint that the demand-ant did not tender a sufficient sum to pay all the claims of the mortgagees ; and we are of opinion that upon the tender being made, the deed of mortgage became absolutely void and the land discharged from the incumbrance, and that the demandant thereby acquired a right to enter into the land and hold it against the mortgagees, and that he may well maintain this action to obtain possession.

Judgment on the verdict,

uuut<m Src-m

Littleton. sec. 332.

i ,v. h, Lms 19S'

1 a- a. i.iiws 197.

1 N. H. Laws, 475.