Majority
Headnote
[1] Mortgages—Action to Foreclose—Orally Expressed Intention not to Require Payment — Insufficient Defense.—In an action to foreclose a mortgage executed to secure the payment of a promissory note, a plea that it was the mortgagee’s orally expressed intention that she would never require the defendants to pay any part of the principal of said note cannot be availed of as a defense to the action. Under section 1625 of the Civil Code, everything that occurred prior to the execution of the note and mortgage in the way of oral negotiations and understandings between the parties must be held to have been merged in their written agreements in the form and effect of said note and mort- ■ gage.This action was instituted for the foreclosure of a mortgage executed by the defendants to the plaintiff to secure the payment of a promissory note for the sum of six thousand three hundred dollars, -payable three years after date. The defendants by. their answer admitted the execution of the note and mortgage sued upon and that the said note was upon its face past due and unpaid. [1] They undertook to deny, however, that the purpose- of the execution of said mortgage was to secure the payment of said note, and in support of such denial proceeded to- set forth with much of detail certain relations and oral understandings between the parties to said note and mortgage at and prior to the time of the execution thereof, and which, without attempting to recite them at length,, amount, in our opinion, to nothing more than a plea that it was the mortgagee’s orally expressed intention that she would never require the defendants to pay any part of the principal of said note. As to this portion of the defendants’ answer, it seems entirely clear to us that, admitting the truth of its averments in respect to these matters, they cannot be availed of as a defense to this action, since everything stated therein as having occurred prior to the execution of the note and mortgage in the way of oral negotiations and understandings between the parties must be held, under section 1625 of the Civil Code, to have been merged in their written agreements in the form and effect of said note and mortgage. The presentation of similar matters was held to be no defense to an action to foreclose a mortgage in the case of Pierce v. Avakian, 167 Cal. 330 , [ 139 Pac. 799 ], and in the earlier case of Booth v. Hoskins, 75 Cal. 271 , [ 17 Pac. 225 ].)
[2] The defendants herein further undertook in their answer to set forth that relying upon the plaintiff’s orally expressed intention never to call upon the defendants to pay any part of the principal of said note and mortgage, they made certain substantial improvements upon the mort
Judgment affirmed.
Knight, J., pro tern., and Waste, if. J., concurred.
Cases cited
- Pierce v. Avakian 167 Cal. 330 p. 416
- Booth v. Hoskins 75 Cal. 271 p. 416
- Insurance Co. v. Mowry 96 U. S. 544 p. 417
- White v. Ashton 51 N. Y. 280 p. 417
- Banning v. Kreiter 153 Cal. 33 p. 417