Court Opinion

ID: 3452978
Source: CourtListenerOpinion
Date Created: 2016-07-05 20:23:00.157965+00
Date Added: 2024-06-11T13:37:25.061517
License: Public Domain

Affirming.
On November 8, 1913, Lucy B. Hartzell executed her note to the Bank of Murray for $516.82, payable February 11, 1914. The bank brought this suit against her on the note. By her answer she pleaded that in the year 1909 she borrowed from the Bank of Murray the sum of $375.00, and on July 28, 1910, she turned over to the bank two notes, one for $375.00 and one for $150.00, under an express contract with the bank that it would collect the notes and apply a sufficiency of the proceeds to pay her note and pay her the remainder; that on July *Page 264 
28, 1910, when she gave the two notes to S.H. Dees, the cashier and chief officer of the bank, he executed and delivered to her, as such officer, the following receipt:
    "I this day received of Mrs. L.B. Hartzell two notes, one for $375.00, given by one J.H. Miller, of Oklahoma City, the other for $150.00, given by one A.D. Berry, also of Oklahoma City, same to be applied on said Mrs. Hartzell's bank note."
She alleged that she understood that the bank was taking these collections, though the receipt was signed by S.H. Dees; that on November 8, 1913, she signed the note sued on under protest and with the express agreement that she was to have all the benefits of the notes above referred to in a final settlement of the matter; that these notes had been collected and that she should have credit for their amount; but she had no means of knowing and did not know whether the bank collected the notes or whether S.H. Dees collected them. He died in April, 1923, and she made her answer a cross-petition against his executors; she prayed that she have an accounting for $525.00 worth of notes, either from the Bank of Murray or from the estate of Dees, and that the plaintiff's petition be dismissed. The executors were served with process and filed an answer denying the allegations of the cross-petition. The bank filed a reply denying the allegations of the answer. The case came on for trial before a jury and at the conclusion of the evidence for the defendant the court peremptorily instructed the jury to find for the plaintiff. Judgment was entered in favor of the bank on its note for the amount due. The cross-petition against the executors of S.H. Dees was dismissed. She appeals.
It will be observed that in the answer it is charged that either the bank collected the notes or that Dees collected them and that the defendant does not know and has no means of knowing which of them collected the notes. This allegation was insufficient to sustain a judgment against either the bank or the executors. The rule is well settled that a pleading which states a cause of action in the alternative against one person or another is not good against either. Scobee v. Brent, 185 Ky. 738; Louisville Gas Co. v. Nall, 178 Ky. 33. The petition not only stated no cause of action against the executors of Dees but the proof was equally insufficient. The peremptory instruction as to them was proper. *Page 265 
The evidence for the plaintiff showed that Dees executed the receipt to her in the bank and that she gave him the notes. He was behind the window and she in front. The business was transacted in the ordinary way of the bank's business by Dees as its cashier. This proof is made by the assistant cashier. But there was no proof at all that the bank had collected the notes or that the notes were of any value or that anything could have been collected on them by diligence. In order to make an agent responsible for failure to collect, where he has in fact collected nothing, there must be proof of negligence, that is, some proof from which negligence may be inferred. 31 Cyc., p. 1464.
    "But the agent is not an insurer; he is bound merely to the exercise of reasonable care, skill and judgment.
    "In the absence of anything to the contrary, he will be presumed to have done his duty; in other words, negligence or misconduct will not be presumed in the absence of proof." 21 Rawle C. L., p. 825.
Judgment affirmed.