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and judgment entered on the verdict of a jury in favor of the plaintiff, defendant appeals. Reversed, and new trial granted.

*

cussion of this question with a brief quotation from the opinion in that case. In classifying the cases which are exempt from the rule that a complete written contract cannot be modified or contradicted by parol evidence, Judge Vann says: “The second class embraces those cases which recognize the written instrument as existing and valid, but regard it as incomplete either obviously, or at least possibly, and admit parol evidence, not to contradict or vary, but to complete the entire agreement of which the writing was only a part.

* Two things, however, are essential to bring a case within this class: (1) The writing must not appear upon inspection to be a complete contract, embracing all the particulars necessary to make a perfect agreement and designed to express the whole arrangement between the parties, for in such a case it is conclusively presumed to embrace the entire contract. (2) The parol contract must be consistent with and not contradictory of the written instrument." This extract we regard as a compendium of the law applicable to this case, and it follows that the defendant should have been allowed to make proof, if he could, of the express oral warranty alleged in his answer.

The judgment herein should be reversed, and a new trial granted, with costs to abide the event.

CULLEN, C. J., and EDWARD T. BARTLETT, WILLARD BARTLETT, and HISCOCK, JJ., concur; GRAY, J., absent; CHASE, J., not sitting.

This action was brought to recover damages for injuries sustained by the plaintiff in a collision with one of defendant's trains at what is known as the "Eighty-Fourth Street Station" of that branch of its railroad which runs southerly from the city of Brooklyn to Ulmer Park. The Eighty-Fourth Street Station is in the Bath Beach section of the city of Brooklyn. The accident happened shortly before 11 o'clock on the morning of November 22, 1901. The plaintiff, a married woman, was on that date about 41 years of age, and, with her husband, had resided within a few blocks of the station mentioned for a number of years, so that she was familiar with the locality, and with the times of the running of trains on defendant's road. At Eighty-Fourth street the railroad consists of double tracks running generally north and south. The trains are propelled from an overhead trolley system. At that point the right of way is a private one derived from a steam railroad which had formerly been operated there. On each side of the tracks to the south of Eighty-Fourth street, which crosses the tracks from east to west, are concrete platforms 120 feet in length that serve as stations for persons intending to take passage on defendant's trains. The northbound trains run to Brooklyn and pass in front of the easterly platform, while the south-bound trains going to Ulmer Park pass in front of the westerly platform. At about 20 minutes to 11 on the morning of the accident the plaintiff, in company with her husband, left her home intending to take a train to Brooklyn which was scheduled to leave Eighty-Fourth street at 10:53. They approached the tracks from the west by a diagonal foot path across a vacant lot. When they had crossed this vacant lot, and had reached Eighteenth avenue, which is adjacent to the defendant's right of way on the west, they saw a train approaching from the south and then about 700 or 800 feet distant. They supposed that it was the 10:53 train to Brooklyn which they intended to take. Continuing towards the tracks and expecting to cross them to the opposite platform ahead of the approaching train their progress was interrupted by a train from Brooklyn which came in on the south-bound track in front of them, crossed Eighty-Fourth street and stopped at the platform on the westerly side. The rear end of the last car of this south-bound train stopped at about the northerly end of the platform on the westerly side, which is about 6 feet south of the Eighty-Fourth street crossing. As they crossed behind the rear car. of this train and emerged from behind it into the space between the two tracks, the plaintiff looked to the south and saw the oncoming north-bound train at the southerly end of the concrete platform about 120 feet

Judgment reversed, etc.

(186 N. Y. 310) CRANCH V. BROOKLYN HEIGHTS R. CO. (Court of Appeals of New York. Nov. 13, 1906.) RAILROADS - INJURIES TO PEDESTRIANS ON TRACK-CONTRIBUTORY NEGLIGENCE.

A pedestrian, intending to take passage on a train at a station, was struck by a train, which did not stop there. No warning was given that the train would not stop. Trains customarily stopped at the station which fact was known to the pedestrian. The pedestrian first saw the train about 700 or 800 feet from the station. She next saw it about 120 feet from her and instead of attempting to cross there, she walked a distance of 35 or 40 feet to a place at or near the center of a street and without looking for the approaching train she stepped on the track, and was injured. While walking the distance of 35 or 40 feet she was in a place of safety and could, at every instant, have commanded a full view of the approaching train. Held, that she was guilty of contributory negligence as a matter of law.

[Ed. Note. For cases in point, see Cent. Dig. vol. 41, Railroads, &$ 1080-1083.]

Vann and Willard Bartlett, JJ., dissenting.

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She strated its existence as matter of law. The

away. Her husband crossed safely at this known to the plaintiff, who had been a renipoint and reached the northerly end of the dent in that vicinity for many years, and had platform on the opposite side, which is nearer been a frequent passenger on the defendant's to Eighty-Fourth street than the one on the railroad. If these facts, in and of themselves, westerly side. The plaintiff did not attempt justified the plaintiff's attempt to cross the to follow her husband across at this point. tracks at the time and in the manner above Having seen the train approaching at the indicated, it would logically follow that the other end of the platform, and evidently sup- verdict of the jury was proper, and that its posing that it would stop by the time the affirmance by the Appellate Division was first car reached the northerly end of the necessary. It seems to us, however, that the platform, she turned and walked towards the plaintiff's evidence upon this feature of the north about 35 feet, taking the same direction case not only failed to establish her freedom as the approaching train. This took her well from contributory negligence, but demoninto the center of Eighty-Fourth street.

. then attempted to cross without again looking

evidence which tended to show that all of at the approaching train. Just as she placed the defendant's north-bound trains stopped at one foot on the track she was struck by the the Eighty-Fourth Street Station was clearly motor car of the north-bound train, which competent and cogent upon that question, had not slackened its speed, and sustained and, standing alone, might have been sufficient the injuries complained of. The plaintiff and to sustain the conclusion that the plaintiff her husband acted upon the assumption that was free from contributory negligence. But this train was the one due to leave for there is something more. The plaintiff testified Brooklyn at 10:53, and that it would stop as that from the time when she and her husband usual in front of the Eighty-Fourth street reached Eighteenth avenue and first saw the platform in such a position that the first car north-bound train at a distance of 700 or 800 would not pass beyond the northerly end of feet south of the station, she did not see it the platform. It transpired, however, that it again until she looked around the rear end was not a regular train, and was not scheduled of the south-bound train which had stopped to stop at that station. The place at which at the station. At that moment she saw the the plaintiff attempted to cross was shown, north-bound train coming into the southerly by the plaintiff's evidence, to be considerably end of the station at a distance of at least 120 to the north of the usual stopping place of feet south of the point from which she took trains at this station. The plaintiff's evidence her observation. Instead of attempting to

tended to show, and the jury were justified cross then and there, as she might possibly

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, or gave any warning of its approach, and taken this precaution, while she was in a

in finding, that all trains, except those running have done in safety, she concluded to walk to at night after 9 or 10 o'clock and in the early the north for a distance of 35 or 40 feet, to a morning, came to a stop at this station, and place at or near the center of Eighty-Fourth that the front end of the first car of such street. What was her purpose in doing this? stopping trains did not usually project more She was doubtless acting upon the assumption than a few feet beyond the end of the that the train would stop at the station, and, platform towards the Eighty-Fourth street therefore, concluded to go far enough to the crossing. The evidence also justified the north to be entirely clear of the motor car of jury in finding that in approaching this the train which, in stopping, might run slightstation those in charge of the train that ly past the limits of the station and into the caused the accident blew no whistle, rang no boundaries of Eighty-Fourth street. Having

a that the speed of the train, which was about place of absolute safety from which she could 12 miles an hour, was not slackened. In at every instant have commanded a full view short, that nothing was done to indicate that of the approaching train, it is obvious that this was not the regular train scheduled to she should not have attempted to cross the stop at the Eighty-Fourth Street Station at track without first looking to see whether the that time.

train had in fact stopped. It is a familiar

physical fact within the knowledge of all I. R. Oeland, for appellant. Stephen C.

persons of ordinary intelligence that railroad Baldwin, for respondent.

trains, operated either by steam or electricity,

cannot always be stopped with mathematical WERNER, J. (after stating the facts). precision at a given point. This fact is clearFor the purposes of this discussion we will ly demonstrated by the evidence which tends assume that the jury had the right to charge to show that the north-bound trains, in stopthe defendant with negligence, for there was ping at the Eighty-Fourth Street Station, evidence tending to show that those in charge would sometimes be brought to a standstill of the train with which the plaintiff collided before the motor car reached Eighty-Fourth gave no signal or warning of its approach to street, and on other occasions would run a the crossing at which the accident happened. little further to the north so as to project into We must also assume that the evidence war- Eighty-Fourth street. ranted the finding that all of the north-bound The inevitable inference to be drawn from trains of the defendant stopped at the Eighty- the plaintiff's own testimony is that it was Fourth Street Station, and that this fact was this uncertainty as to the precise point of stoppage of the train that was in her mind ed in the light of another rule to the effect when she concluded to make the "detour" of that a person who intends to take passage 35 or 40 feet to the north. In doing so she upon a railroad train and crosses the railturned her back to the oncoming train and road tracks at a highway crossing commonnever looked again to see where it was, or ly used for that purpose, is not held to the whether it had stopped or not, although a same strict exercise of care and caution that simple turn of her head would have sufficed is required of the ordinary wayfarer along to gain for her this all-important informa- the highway. Terry V. Jewett, 78 N. Y. tion. Without a look, she put her foot upon 338; Brassell v. N. Y. C. & H. R. R. R. Co., the north-bound track. Before she could 84 N. Y. 241. Both of these rules might be move forward, she was struck by the train successfully invoked in support of plaintiff's which was then moving at the rate of 12 contention that her alleged contributory neg. miles an hour. Without any attempt to ex- ligence presented a question of fact for the ercise her senses of sight or hearing she jury, if it were not for the conclusive charstepped from the zone of absolute safety into acter of the evidence showing that plaintiff, a place of probable danger, and this at the although fully cognizant of the threatened very time when the exercise of her faculties danger, disregarded the most simple and obwas imperative, if her previous precautions vious precautions for her safety that common were to be of any practical benefit. If such prudence and ordinary intelligence could sug. conduct does not properly support the legal gest. Having gone out of her way to avoid inference of contributory negligence, then the train, she neglected to look for it at a there can be no case in which the specula- time when every instinct of self-preservation tive finding of a jury upon that question may and every dictate of common prudence denot be substituted for legal rules of evi- manded such action. Instead of attempting dence. It may be admitted, for the argument, to cross at the usual place, relying upon the that the custom of stopping all north-bound customary stoppage of the train, she had wittrains at this station and the failure of the nessed the dangerous, albeit successful, exdefendant to give any signal or warning of periment of her husband, and concluded to its intention not to stop this particular train, defer her crossing to another time and place. might have lulled the plaintiff into a feeling Assuming that the plaintiff walked at the of security such as described in the case of rate of four miles an hour, it would have Parsons v. N. Y. C. & H. R. R. R. Co., 113 taken her between 5 and 6 seconds to make N. Y. 355, 363, 21 N. E. 145, 3 L. R. A. 683, her "detour" of 35 feet, while it would have 10 Am. St. Rep. 450. The obvious answer to taken the train, running at the rate of 12 that suggestion is that the plaintiff's own miles an hour, between 8 and 9 seconds to conduct, considered in the light of the sur- reach the place where she attempted to rounding circumstances, was utterly incon- cross; that point being 155 feet north of sistent with that theory. When the plain- the southerly entrance to the station. Thus, tiff and her husband reached the northerly although this was a matter of seconds, the end of the stationary south-bound train the plaintiff still had an appreciable period of husband crossed the intervening track and, ti

time in which to look for the train, after according to the undisputed testimony, bare- she had arrived at the place where she atly escaped collision with the oncoming train, tempted to cross and before that point had Had the plaintiff attempted to follow even been reached by the train. These are the a moment later, an accident would have been facts which differentiate this case from Palminevitable. It was this emergency that must er v. N. Y. C. & H. R. R. R. Co., 112 N. Y. have suggested to the plaintiff the propriety 234, 19 N. E. 678; Beecher V. Long Island of going to the north to a point beyond which R. R. Co., 161 N. Y. 222, 55 N. E. 899, and the then moving train would be sure not to the other cases relied upon by the plaintiff. extend if it were going to stop at that sta- In all of those cases there were circumstances tion. Having done so much, how could the from which it was reasonable to draw the plaintiff be said to have exercised reasonable inference, either that such care had been excare and caution without even taking an- ercised as was required in the circumstances, other look before stepping from her position or that the necessity for such care had been of safety literally against the motor car obviated by conditions well calculated to lull which was then directly in front of her. a reasonably prudent person into a sense of

We do not deem it necessary to go into an security. In the case at bar the plaintiff's extended discussion of the decided cases for, own testimony affirmatively establishes, not in the last analysis, the question of con. only her failure to exercise necessary care. tributory negligence depends upon the ap- but her evident understanding and appreciaplication of well-settled legal rules to the tion of the conditions which attended her special facts of each given case. As a gen

attempt to cross the tracks. eral rule the question whether a person col- The judgment should be reversed and a liding with a railroad train has been guilty new trial granted, with costs to abide the of contributory negligence is one of fact for event. a jury (Parsons v. N. Y. C. & H. R. R. R. Co., supra), and, as applied to the specific VANN, J. (dissenting). I dissent. The facts of this case, that rule is to be consider- plaintiff, instead of running the risk her hus.

Appeal from Supreme Court, Appellate Division, Fourth Department.

Action by the American Guild of Richmond Virginia against Phebe D. Damon and another. From an order of the Appellate Division (94 N. J. Supp. 985) reversing a judgment of the Special Term in favor of defendants, they appeal. Reversed.

Louis J. Bedell, William Kennedy, and Nelson L. Lansing, for appellants. Wallace Thayer, for respondent.

band ran, took greater care than he, and relying, as she had the right to, on the absence of signals and the uniform custom of the defendant, met with injury owing to its negligence. The strict rule governing travelers at a highway crossing does not apply to one who is compelled to cross tracks in order to reach a railway station, which, when a train is due, is a constant invitation to come and take it. It was the duty of the defendant to so arrange its trains that a person intending to take passage could get on one without being injured by another. The plaintiff had the right to assume, in the absence of any warning, that the north-bound train would stop where such trains always had stopped. She may have erred in judgment in believing that the defendant would do its duty and warn her if a train passed by without stopping, but since she took care to walk far around instead of following her husband straight across, she should not be turned out of court on the ground that she took no care whatever. While she did not take all the care possible, since she took some, it was for the jury to say whether she took enough, and we should not hold that she was negligent as matter of law. Strict rules are required to protect passengers and those about to enter a station intending to become passengers, and every decision which tends to undermine their safety is a misfortune to the traveling public. I vote to affirm.

CULLEN, C. J., and HAIGHT and HISCOCK, JJ., concur with WERNER, J. WILLARD BARTLETT, J. concurs with VANN, J. GRAY, J., absent.

Judgment reversed, etc.

CULLEN, C. J. The action is brought by the plaintiff, a Virginia corporation, as the assignee of the Safety Fund Insurance Society, a New York corporation, to foreclose a mortgage executed by the two appellants, husband and wife, to said lastnamed corporation to secure the payment of a joint and several bond executed and delivered to the same party at the same time. The defendants pleaded as a defense and set-off a claim held by the defendant Joseph Damon against the plaintiff's assignor on two participation certificates issued by, that corporation, the nature of which certificates is not material to this discussion. On the trial it appeared that the plaintiff's assignor and its assignee had entered into what is called "a consolidation agreement,” by which the plaintiff was to acquire all the assets of its assignor and to administer those assets in discharge of its assignor's obligation, but the debts of the assignor were in no degree to be assumed by the plaintiff. The Special Term found the maturity of the participation certificates before the assignment of the mortgage in suit to the plaintiff and the liability thereon of the plaintiff's assignor to the defendant Joseph. It made a decree in favor of the defendants canceling the bond and mortgage and awarding them judgment against the plaintiff or the excess of the amount due on the certificates over that due on the bond and mortgage. The Appellate Division reversed this judgment, and ordered a new trial. The unanimous order entered upon this decision reversed the judgment on questions of law only, and affirmatively declared in the body of the order that the facts had been examined and no error found therein. From the order of the Appellate Division the defendants have appealed to this court, giving the requisite stipulation.

Under the form of the order of the Appellate Division the facts found by the trial court are conclusive on this court. The only question before us is whether those facts justified or required a reversal of the judgment rendered thereon by the Special Term. That the plaintiff, under its agreement with its assignor, was not liable personally for the debts of the latter corporation is entirely clear. Therefore, the Appellate Division was doubtless correct in reversing so much of the judgment as award

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(186 N. Y. 360) AMERICAN GUILD OF RICHMOND, VA.,

V. DAMON et al. (Court of Appeals of New York. Nov. 13,

1900.) 1. PLEADING-SET-OFF AND COUNTERCLAIMANSWER-REPLY.

In an action by the assignee of a mortgage to foreclose such mortgage where a claim held by defendant against plaintiff's assignor exceeding the amount due on the obligation secured by the mortgage is pleaded as a "defense and set-off," and such set-off and defense are sustained, plaintiff is not liable for the excess of the sum due on defendant's claim over that due on the mortgage obligation, though he failed to serve a reply to defendant's answer, as such answer did not distinctly plead defendant's claim as a "counterclaim."

[Ed. Note.--For cases in point, see Cent. Dig. vol. 39, Pleading, $ 329.] 2. SET-OFF AND COUNTERCLAIM-JOINT AND SEVERAL CLAIMS.

In an action against a husband and wife to foreclose a mortgage executed by them to secure their joint and several bond, a claim by the husband alone against the mortgagee was a good set-off and extinguished the liability on the mortgage and the obligation secured by it, though the action was in form joint.

[Ed. Note.-For cases in point, see Cent. Dig. vol. 43, Set-Off and Counterclaim, § 87.]

in

set-off to the bond and mortgage. Freel v. cates. In such case it is plain

ed a recovery against the plaintiff for the held by himself. In Briggs V. Briggs, 20 excess of the sum due on the certificates Barb. 477, it was held that, in an action over that due on the bond and mortgage, against several defendants jointly and severunless, as the appellants' counsel contends, ally liable, either of them might set off indithe plaintiff was foreclosed by its failure vidual debts due to him by the plaintiff or to serve a reply to the defendants' answer. might avail himself thereof by way of counThis position of counsel cannot be upheld. terclaim. See, also, Newell v. Salmons, 22 In the answer the certificates are pleaded Barb. 647. The authority of these earlier deas a set-off and defense, and in the prayer cisions has never been impugned, and Newell for judgment, where the only mention of v. Salmons is cited with approval in Bathgate counterclaim is found, it is asked that they v. Haskin, 59 N. Y. 533. In the present case, be allowed as a counterclaim, defense, and as already said, the bond of the defendants is set-off, and that the bond and mortgage joint and several, and, therefore, a several be canceled. No recovery against the plain-judgment could have been had against either tiff for the amount of the certificate is asked. defendant. The fact that the action was It is the settled law in this state that for a in form joint does not affect the principle defendant to preclude a plaintiff from con- involved. When the defendants "in an actesting a counterclaim because of a failure tion are jointly and severally liable, although to serve a reply, the counterclaim must sued jointly, a counterclaim, consisting of be distinctly named as such in the answer.

a demand in favor of one or some of them, Acer V. Hotchkiss, 97 N. Y. 395; Equitable may, if otherwise without objection, be inLife Assurance Society v. Cuyler, 75 N. Y. terposed.” Pomeroy's Remedies and Reme511. But though the judgment was prop- dial Rights, § 761; Dunn v. West, 5 B. Mon. erly reversed in this respect, it not being (Ky.) 376, 381. Therefore, had the defendpossible on another trial to vary the proof ants been sued on the bond in an action at as to the liability of the plaintiff, a new law the defendant Joseph could, under the trial should not have been ordered, but the authorities and the rule obtaining in this judgment merely modified, unless as a mat- state, have interposed as a counterclaim the ter of law the certificates were not a valid amount due him on the participation certifi

y

that the County of Queens, 154 N. Y. 661, 49 N. E. 124; counterclaim so interposed would necessarily Heerwagen v. Crosstown Street Ry. Co., 179 have inured to the benefit of all the defendN. Y. 99, 79 N. E. 729.

ants. The plaintiff had but one claim, and This brings us to the principal question

but one cause of action. Payment by a in the case, which is whether the claim on stranger to the obligation would not disthe certificates which was held by only one charge it, but payment by anybody liable of the defendants was a good set-off against thereon, whether jointly or severally, would the plaintiff's claim. Under sections 502 and necessarily satisfy it. Cockcroft v. Muller, 1909 of the Code of Civil Procedure the as- 71 N. Y. 367. Any other rule would permit signment to the plaintit was subject not a creditor to recover his claim as many times only to every defense, but to every counter- over as he had parties severally liable for claim there might have been set up against the debt. We are not considering a case its assignor. Therefore, the question pre- where the creditor has released one of his sented here is the same as that which would debtors, either without consideration or for arise had the action been brought by the less than the debt, reserving his right to original mortgagee, and may be examined proceed against the others. Such settlements and considered from that point of view. are authorized by our statutes. But where At common law and under the Revised Stat- a debt has been paid in full by one debtor, utes in an action against more than one it is satisfied as to all. Coonley y. Wood, 36 defendant there could be interposed only a IIun, 559. The same rule must obtain in set-off due to all the defendants jointly. the case of a counterclaim as in that of pay2 Rev. St. (1st Ed.) p. 354, pt. 3, c. 6, tit. 2, ment. It is in fact a payment by the set-off

§ 18. That rule still obtains in this state, of an outstanding claim against the creditor. where the suit is on the joint obligation or Had the bond not been assigned, and the liability of the defendants. Where, however, plaintiff's assignor brought an action upon the liability of the defendants is several, it, the defendant Joseph interposing his under the express provisions of section 501 counterclaim, the judgment in the action of the present Code, which in this respect would extinguish pro tanto the claim of that is but a re-enactment of section 150 of the defendant against the plaintiff. If it were former Code, as amended in 1832, a defend- allowed to recover against the other defendant against whom a several judgment may ant, it would be recovering twice over—first, be rendered can interpose a counterclaim ex- by the extinguishment of its debt, and, second, isting in his own favor. In Parsons y. Nash by the amount recovered against the other 8 How. Prac. 454, which was an action defendant. Whenever in a suit on a money against the maker and sureties on a promis- obligation a counterclaim is allowed in favor sory note, it was held that, as a several judg- of one of several defendants it must, from ment might be rendered against either de- the nature of the case, necessarily inure to fendant, either could plead a counterclaim the benefit of all the defendants liable on

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