Longley v. Bank of Parrott , 19 Ga. App. 701 ( 1917 )

Jenkins, J.

1. (a) Where a note is signed by a wife as principal and by the husband as surety, the presumption of law is that she gives it on her own contract and for value, to charge her separate property. Perkins v. Rowland, 69 Ga. 661; Love v. Lamar, 78 Ga. 323 (3 S. E. 90); Temples v. Equitable Mortgage Co., 100 Ga. 503 (28 S. E. 232, 62 Am. St. R. 326); Jones v. Weichselbaum, 115 Ga. 369 (41 S. E. 615).

(5) Where the creditor, at the time a debt is created, really intends in good faith to extend the credit to the wife, and not to the husband, and the consideration of the loan passes legally and morally from the creditor to the wife, and where the writings then executed are such as purport to bind her for the debt as her own, then, whatever may be the private understanding between the wife and the husband, in which the creditor is not concerned and in which he has no interest, as to the disposition-by the wife of the proceeds of the loan so received by her, the writings are to be treated as embracing the true substance of the contract. Nor does it matter in such case that the negotiations relating to the loan are in fact all had through the husband, where the transaction otherwise appears to be the'bona fide and voluntary contract of the wife. Schofield v. Jones, 85 Ga. 816, 819 (11 S. E. 1032); Nelms v. Keller, 103 Ga. 745 (30 S. E. 572) ; Johnson v. Leffler Co., 112 Ga. 670 (50 S. E. 488) ; Gross v. Whilely, 128 Ga. 79, 82 (57 S. E. 94); Third National Bank of Columbus v. Poe, 5 Ga. App. 113 (62 S. E. 826).

Decided April 5, 1917. Rehearing denied April 24, 1917.

Complaint; from city court of Dawson—Judge Edwards. August 36, 1916.

W. E. Gurr, B. B. Jones, for plaintiff in error. Yeomans & Wilkinson, contra.

2. Where, in a suit on a note signed by the wife as principal and by the husband as surety, it appeared that the proceeds of the loan were used in carrying on a farm owned by the wife, and she contended that her true relation to the contract was one of suretyship only, and that she received no benefit from the loan, and where it appeared from the evidence that the wife’s account to which the loan was credited by the lending bank was carried upon its books under the name of “Mr. and Mrs. Ered Longley,” by virtue of the following written order to it, signed by the wife, to wit: “Mr. Carter: Please change my account, Mr. & Mrs. Ered Longley, and honor cheeks drawn-by either of us, and oblige, Mrs. Fred Longley. October 8th, 1910;” and where it also appeared that checks drawn on such account by both the husband and the wife were recognized and paid by the bank, it was proper and relevant to admit in evidence the bank’s books of account, for the purpose of throwing light upon the question as'to whom the consideration of .the loan actually passed from the' bank. Maynard v. Maynard, 12 Ga. App. 279, 283 (77 S. E. 109).

3. The evidence was such as might warrant the verdict rendered, and the court did not err in refusing the grant of a new trial.

Judgment affirmed.'

Broyles, P. J., and Bloodtoorth, J., concur.