{
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  "name": "North American Trust Company v. Chappell",
  "name_abbreviation": "North American Trust Co. v. Chappell",
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    "date_added": "2019-08-29",
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    "parties": [
      "North American Trust Company v. Chappell."
    ],
    "opinions": [
      {
        "text": "Hughes, J.\nThis is a suit in ejectment for the possession of land described in the complaint, upon which the plaintiff held a mortgage executed by the defendant and his wife to secure a note for $375, which they had given Samuel M. Jarvis, trustee for the Jarvis-Conklin Mortgage Trust Company, with power in said trustee upon default to sell and convey said land, and, in case of his absence from the state of Arkansas or refusal to act, to appoint some one to act in his place and stead, and in conformity with said power he appointed George S. Evans to act for him. The plaintiff alleges that it became the owner of said land by purchase from the Western Investment Company, which became the owner of the same by purchase at the foreclosure sale under said mortgage made by said George S. Evans, substituted trustee as aforesaid.\nDefendants in answer deny plaintiff\u2019s ownership; deny that the Western Investment Company became the owner of said land by purchase at trustee\u2019s sale; deny that George S. Evans sold said land as substituted trustee in the power of sale in the mortgage; deny that they were indebted to the Jarvis-Conklin Mortgage Trust Company; plead usury; and pray judgment.\nThe court, upon the showing made, transferred the cause to equity, over the objection and exception of the appellee, and proceeded to hear the ease on the qustion of usury, and found and decreed that the contract set up, and sought to be enforced, was usurious and void, from which decree the North American Trust Company appealed, and appellee, having excepted to the court\u2019s action in transferring the cause to equity, prayed a cross appeal.\nThe proof shows that George S. Evans, substituted trustee, was not present at the sale under the mortgage, but that he was some 18 miles away, and that he did not make the sale, but that it was made by G. M. Grandstaff, sheriff. The power to make the sale was personal to Evans, and could not be delegated to another. \u201c Delegatus non potest delegare.\u201d Therefore the sale was void, and no title passed by virtue of it. Stallings v. Thomas, 55 Ark. 327.\nThere was no ground stated or shown for transferring the cause to equity. The suit was in ejectment, at law, and, as we have seen, the alleged sale of the land by the substituted trustee, Evans, was void, and passed no title. The judgment should have been for the appellee at law. We have therefore concluded to affirm the judgment, as a judgment at law.\nBut, inasmuch as the appellant may have right to proceed in equity, this judgment is without prejudice to his right to do so, if he so elect.\nAffirmed as stated above.",
        "type": "majority",
        "author": "Hughes, J."
      }
    ],
    "attorneys": [
      "Pvans cG Smith and W. J. Patterson, for appellant.",
      "Leming & Hon, for appellees."
    ],
    "corrections": "",
    "head_matter": "North American Trust Company v. Chappell.\nOpinion delivered June 21, 1902.\n1. Mortgage \u2014 Trustee\u2019s Sale \u2014 Delegation oe Authority. \u2014 A trustee Laving authority to sell under a power contained in a mortgage Las no autLority to delegate to anotLer tLe power to conduct tLe sale. (Page 508.)\n2. Appeal \u2014 -Harmless Error. \u2014 TLougL tLe trial court erred in transferring a law case to equity and in dismissing tLe complaint upon tLe ground alleged in tLe decree, an affirmance will nevertLeless Le ordered if it appears tLat tLe dismissal of tLe complaint was proper upon anotLer ground. (Page 508.)\nAppeal from Scott Circuit Court in Chancery.\nStyles T. Rowe, Judge.\nAffirmed.\nPvans cG Smith and W. J. Patterson, for appellant.\nThe power of accepting title and conveying real estate is one universally incidental to corporations. Thomps. Corp. \u00a7\u00a7 5797-5799. A person may do by an agent what he may do himself. 35 Ark. 198. There was no usury in the contract. 32 Ga. 312. If by mistake or inadvertence an amount- is charged as commission or interest, it would not constitute usury. 63 Ark. 225. There must be an intention to charge usury. 63 Ark. 240; 54 Ark. 50; 9 Ark. 22; 25 Ark. 258 ; 62 Ark. 370. Money paid to borrower\u2019s agent for the loan will not constitute usury. 51 Ark. 534; 51 Ark. 548; 54 Ark. 56J3; 67 Miss. 146. There must be an agreement between the parties for an illegal rate of interest. 4 How. (Miss.) 575; 63 Ark. 249; 67 Ark. 252; 57 111. 138; 36 Wis. 390; 69 N. Y. 339; 54 Ark. 50, 574; 57 Ark. 256. This is a Missouri contract. 83 Fed. Rep. 403; 86 Fed. Rep. 748; 88 Fed.'Rep. 7; 96 Tenn. 599; 94 Fed. Rep. 934; 101 Fed. Rep. 12.\nLeming & Hon, for appellees.\nThe transcript is incomplete, and this court will presume in favor of the correctness of the judgment of the lower court. 57 Ark. 304; 55 Ark. 548. \"\u00edhe transfer to equity was error. 65 Ark. 503. The sale of the land was void. 69 Tex. 349."
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  "file_name": "0507-01",
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