Symes v. Fletcher

115 A. 502, 95 Vt. 431, 1921 Vt. LEXIS 237
CourtSupreme Court of Vermont
DecidedNovember 1, 1921
StatusPublished
Cited by13 cases

This text of 115 A. 502 (Symes v. Fletcher) is published on Counsel Stack Legal Research, covering Supreme Court of Vermont primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Symes v. Fletcher, 115 A. 502, 95 Vt. 431, 1921 Vt. LEXIS 237 (Vt. 1921).

Opinion

Taylor, J.

The action is tort for the alleged conversion of articles of personal property mortgaged by the defendant to the plaintiff. The trial was by jury with verdict and judgment for the plaintiff. The case is here on defendant’s exceptions.

The defendant is a brother-in-law of the plaintiff, having, at the time the mortgage was given, lately married the plaintiff’s sister. He then lived at Richmond, Vermont, but owned a farm in the town of Essex, where much of the mortgaged property was situated, and to which he removed soon after the mortgage was executed. The mortgage bears date October 16, 1914, and was given to secure the payment of a note of $975 and interest payable on or before one year from that date. No part of the note has been paid. The property mortgaged is described as follows: “One suckling colt, one 7% horse power motor, one grain separator, one milk separator, six brood sows, four pigs, one feed grinder, one P. K. cutter and blower, one two-row corn planter, 600 bu. oats, one stack straw, one silo ensilage, all household furniture and furnishings. ’ ’ The defendant retained the possession of the property, and no action looking toward a foreclosure of the mortgage was taken until sometime in the fall of 1917. The [434]*434mortgage was then placed in the hands of an officer who called on the defendant at his farm in Essex and inquired respecting each article mentioned in the mortgage. He was told that the oats, ensilage, and straw were fed out or used up on the farm in the winter of 1914-15; that the colt died before he was two years old; that the pigs and three of the brood sows had died; that the other sows were butchered in the fall of 1914 for his own use; that the farm machinery was there, but was practically all worn out; that of the furniture and furnishings there were a few old things there — two or three chairs — -not worth much! The officer asked the defendant to show him the things that were there, and the defendant replied, “It is your business to find them.” He did nothing to assist the officer in identifying the property, and the latter left without securing any of it. It did not appear that any further attempt to foreclose the mortgage was made before this suit was brought.

Certain exceptions are briefed together for convenience. The first group raises in several ways the question of the sufficiency of the description of the property. Exceptions were taken: (a) To the admission of any evidence respecting a suckling colt, on the ground that the description was insufficient; (b) to the exclusion of a question asked the defendant whether he had other swine; (e) to the refusal of a directed verdict on the ground that the description was inadequate for a valid mortgage; (d) to the charge that the mortgage was valid and binding on the parties thereto and covered the property therein described; (e) to the refusal to set aside the verdict on the ground that the mortgage was void and the description insufficient to enable the officer to find the property. The defendant recognizes, as a general proposition, that a different rule prevails where the suit is between the parties to a mortgage than where the rights of third persons are involved; but he disregards the distinction when it comes to citing cases in support of his claims.

[1, 2] It is a well-recognized general proposition that, to be sufficient against third persons having constructive notice only, the description in a chattel mortgage must be such that the property can be identified by reference to the instrument itself, aided by such inquiries as may be indicated and.direeted thereby. Wells v. Blodgett, 92 Vt. 330, 104 Atl. 146. But this rule is for the protection of strangers to the mortgage whose rights in the property are to be affected by constructive notice. The de[435]*435scription may be sufficient to create a lien, and yet insufficient of itself to import a notice thereof through the record. Nussbaum v. Waterman Co., 9 Ga. App. 56, 70 S. E. 259. Generally, in treating of the sufficiency of a description in a mortgage, it is sufficiency as regards third persons who have in good faith acquired rights against the property that is referred to. Jones on Chat. Mtgs. (5th ed.) § 53. This is true of practically all of our cases involving the sufficiency of the description in a chattel mortgage; the only exception that we now recall being National Bank of Chelsea v. Fitts, 67 Vt. 57, 30 Atl. 697. Any apparent conflict in the decisions disappears when the distinction referred to above is noticed, and it is only by having the distinction in mind that confusion is avoided.

It was said in National Bank v. Fitts that as between the parties to a chattel mortgage the description is to be interpreted in the light of the facts known to, and in the minds of, the parties at the time; that a description which is sufficient between the parties may be utterly insufficient as against third persons; that, as between the parties, a specific and particular description is not necessary; and that, as between the parties, the mortgage need not contain a description of the several articles by which to identify them from other like articles of the mortgagor. The rule generally recognized is that, as between the mortgagor and mortgagee of personal property, as well as between the mortgagee and a person who has succeeded to the interest of the mortgagor with actual notice of the mortgage, parol testimony is admissible in aid of the description to identify the property intended to be given as security. Reinstein v. Roberts, 34 Oregon 87, 55 Pac. 90, 75 A. S. R. 564; Stewart v. Jacques, 77 Ga. 365, 3 S. E. 283, 4 A. S. R. 86; 5 R. C. L 429; Jones on Chattel Mortgages, § 64. Mr. Freeman says in a note to Barrett v. Fisch, 14 A. S. R. 239, that a description which is amply sufficient between the parties may be utterly insufficient as against third persons; for, as between the parties, a specific and particular description is not necessary, and the mortgaged articles may be shown by parol evidence. The reference to “third persons” is evidently intended to mean persons without actual notice of the mortgage. An examination of the eases shows the general rule to be that, as between the parties, any description is good; if'the parties at the time knew and understood what the mortgage covered. Cobbey on Chat. Mtgs., §§186, 188; Rudisell v. Jennings, 38 Ind. App. [436]*436403, 77 N. E. 959, 78 N. E. 263, where numerous cases are collected. See Northwestern Nat. Bank v. Freeman, 171 U. S. 627, 43 L. ed. 308, 19 Sup. Ct. 36, where it is held that a mortgage of a given number of articles out of a larger number is valid against those who know the facts; Bonneviere v. Cole, 90 Wash. 526, 156 Pac. 527; Zinn v. Denver, etc., Co., 68 Colo. 274, 187 Pac. 1033; Hartford—Conn. Tr. Co. v. Puritan Laundry, 95 Conn. 172, 111 Atl. 149; Clark & Boice Lum. Co. v. Com. National Bank (Texas Civ. App.) 200 S. W. 197; Simmon v. Carroll, 232 Mass. 428, 122 N. E. 408; note, Ann. Cas. 1915 D, 783; 5 R. C. L. 430. Mr. Cobbey assigns as a reason for the rule that only a party whose rights are injuriously affected can raise the objection of insufficient description. Cobbey on Chat. Mtgs., § 186.

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Bluebook (online)
115 A. 502, 95 Vt. 431, 1921 Vt. LEXIS 237, Counsel Stack Legal Research, https://law.counselstack.com/opinion/symes-v-fletcher-vt-1921.