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Triffin v. Triangle Transport

September 5, 2008


On appeal from the Superior Court of New Jersey, Law Division, Special Civil Part, Somerset County, Docket No. DC-3797-06.

Per curiam.


Argued April 14, 2008

Before Judges Stern and A. A. Rodríguez.

Plaintiff Robert J. Triffin sued Triangle Transport, Inc. (Triangle) and Gonzalo Morga in the Special Civil Part, as the assignee of Fairview Check Cashing Corp. (Fairview), asserting a claim arising from a dishonored check. The check on its face indicates that: the payee is "Gonzalo Morga," the maker is Triangle and the drawee is "First Union Bank." The amount of the check is $385.45. It is dated "12/30/2002," designated as "payroll check number 03208901" and signed by "Francis B. Brown." On the back, the check is endorsed by a signature that reads "Gonzalo Morga." The check was paid by Fairview on January 6, 2003. It was later dishonored by Fairview's bank.

Triangle filed an answer to the complaint pro se, denying the allegations and asserting a defense that the check at issue was counterfeit. At trial, John A. Houseman, Triangle's Director of Human Resources, testified that: the check had never been issued by Triangle; ADP issued all of Triangle's payroll checks; and no one named Gonzalo Morga was employed by Triangle. Significantly, there is no denial by Triangle that Francis B. Brown is an employee of Triangle or an authorized signer of its checks.

In addition, Houseman presented a letter addressed "To Whom It May Concern" from Dolly Molina, a Manager in the Loss Prevention department at ADP, whose office is in San Diego, California. The letter states that the check was a forgery because it: was not printed on ADP "secure check stock;" the check number was not "produced for any client;" and ADP was never requested to issue a check to Gonzalo Morga. Triffin objected to the admission of this letter as hearsay. The judge overruled the objection noting the need for flexibility in presenting evidence in the Special Civil Part.

Following the hearing, the judge ordered certain post-trial submissions from the parties. Triangle submitted an affidavit by Molina restating the same information as contained in her letter. Attached to the certification was ADP's "security feature brochure." The judge issued a written opinion, dismissing the complaint with prejudice.

Triffin appeals contending that the judge erred by assuming "facts not in evidence," and by finding that "through the court's admission of ADP's security feature brochure and related documents into evidence, Triangle met its burden of production to prove its counterfeit check defense." Triffin also contends that the judge erred by admitting into evidence "for purposes of establishing the truth of the matters asserted therein, Molina's affidavit and ADP's promotional security feature brochure."

We do not address the evidentiary rulings because we conclude that, even if the affidavit and brochure were properly admitted, Triangle's defense failed and Triffin was entitled to judgment.

According to Article 3 of the Uniform Commercial Code, codified as N.J.S.A. 12A:3-101 to 3-605, a person is a holder in due course if:

(1) the instrument when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity; and

(2) the holder took the instrument for value, in good faith, without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, without notice that the instrument contains an unauthorized signature or has been altered, without notice of any claim to the instrument described in [N.J.S.A.] 12A: 3-306, and without notice that any party has a defense or claim in recoupment described in [N.J.S.A.] 12A:3-305[a]. [Triffin v. Somerset Valley Bank, 343 N.J. Super. 73, 83 (2001) (quoting N.J.S.A. 12A:3-302a).]

In short, in order to defeat the rights of a holder in due course, it must be apparent on the face of the instrument that it is fraudulent. N.J.S.A. 12A:3-302. The same applies to transferee of the holder in due course, such as Triffin. N.J.S.A. 12A:3-203b. For that reason, this case turns on the information before the Fairview cashier at the time the cashier paid the check. Information gathered subsequently, such ...

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