Philippine Supreme Court Jurisprudence


Philippine Supreme Court Jurisprudence > Year 2011 > March 2011 Decisions > [G.R. No. 175697, March 23 : 2011] RURAL BANK OF TOBOSO, INC. (NOW UCPB SAVINGS BANK), PETITIONER, VS. JEAN VENIEGAS AGTOTO, RESPONDENT. [G.R. NO. 176103] JEAN VENIEGAS AGTOTO, PETITIONER, VS. RURAL BANK OF TOBOSO, INC. AND ANTONIO ARBIS IN HIS CAPACITY AS EX-OFFICIO PROVINCIAL SHERIFF OF NEGROS OCCIDENTAL, RESPONDENTS. :




SECOND DIVISION

[G.R. No. 175697, March 23 : 2011]

RURAL BANK OF TOBOSO, INC. (NOW UCPB SAVINGS BANK), PETITIONER, VS. JEAN VENIEGAS AGTOTO, RESPONDENT.

[G.R. NO. 176103]

JEAN VENIEGAS AGTOTO, PETITIONER, VS. RURAL BANK OF TOBOSO, INC. AND ANTONIO ARBIS IN HIS CAPACITY AS EX-OFFICIO PROVINCIAL SHERIFF OF NEGROS OCCIDENTAL, RESPONDENTS.

D E C I S I O N


ABAD, J.:

This case is about the foreclosure of a real estate mortgage for the whole amount of the loan when the mortgage covered only a part of it.

The Facts and the Case

On August 18, 1981 Jean Veniegas Agtoto (Agtoto) executed a special power of attorney (SPA) authorizing her husband, Rodney, to secure a loan on her behalf and mortgage a registered land that she owned.[1]  Using the SPA, on August 20, 1981 Rodney got a loan of P130,500.00 from the Rural Bank of Toboso, Inc. (the Bank), with the P61,068.00 portion secured by a real estate mortgage on his wife's land.  On the following day, he secured the remaining P69,432.00 of the loan with a chattel mortgage over two service boats and one Yanmar Marine engine.

After paying only P14,500.00, Agtoto failed to pay her loan with the Bank.  After several unheeded demands to pay, on August 6, 1990 the Bank extrajudicially foreclosed the mortgage on her land, pegging her debt at P130,500.00 as of December 31, 1989 plus the stipulated interest of 14% per annum from the date of default until full payment and liquidated damages.  After notice and publication, the sheriff foreclosed the mortgage on the land on September 12, 1990 and sold it at public auction to the Bank, which made the highest bid of P305,000.00 "as of December 31, 1989" plus stipulated interest of 14% per annum.  The sheriff subsequently issued a certificate of sale in the Bank's favor.

Later, Agtoto filed a complaint with the Regional Trial Court (RTC) of Bacolod City against the Bank for the annulment of the sale of her land, damages, and injunction with prayer for the issuance of a temporary restraining order (TRO).

On July 15, 1996 the RTC rendered a decision, ordering the Bank to pay Agtoto P305,000.00, which was its bid for her land, less the P61,068.00 due from her loan.  On November 26, 1997 the RTC issued an order, amending the dispositive portion of its decision to include an award of 6% interest per annum on the amount of the award, counted from the date of the auction sale on September 13, 1990 until Agtoto would have been fully paid; her previous payment of P14,500.00 could not be deducted from the principal loan, however, since this was charged against the interests, surcharges, and penalties due on her loan.  Agtoto appealed to the Court of Appeals (CA) from the decision, asserting that the RTC erred in not declaring the foreclosure sale null and void.

On October 27, 2005 the CA affirmed the trial court's decision with modification in that it awarded to Agtoto P189,497.10 plus 12% interest per annum from January 29, 1992 or the date of judicial demand until full payment.  Both parties brought the case to this Court through a petition for review, the Bank in G.R. 175697 and Agtoto in G.R. 176103.

The Issues Presented

The case presents the following issues:

1. Whether or not the Bank validly foreclosed on Agtoto's mortgaged land; and

2.  Whether or not the Bank should pay P189,497.10 to Agtoto as excess bid proceeds with 12% interest per annum, computed from January 29, 1992, the date of judicial demand, until the award is fully paid.

The Rulings of the Court

Agtoto contends that the foreclosure sale was void since she did not authorize her husband, Rodney, to act as her attorney-in-fact for purposes of the foreclosure proceedings.  As the appellate court correctly ruled, however, the powers she vested in Rodney as her attorney-in-fact in connection with the mortgage of her land included the power to constitute the mortgagee bank as Rodney's attorney-in-fact for foreclosure purposes for, otherwise, the grant to him of the power to enter into a mortgage contract would have been incomplete in the usual course.

Here, moreover, the SPA authorized Rodney to make, sign, execute, and deliver contracts, documents, agreements and other writings of whatever nature or kind, with any person or persons, upon such terms and conditions as were acceptable to him as attorney-in-fact.[2]  The constitution of the Bank as attorney-in-fact for purposes of extrajudicial foreclosure was a condition that Rodney accepted and it bound Agtoto as principal, the same being a legitimate exercise of his powers under the SPA.  What is more, even assuming that Rodney exceeded his powers under the SPA, Agtoto should be deemed to have ratified the same when she herself signed the mortgage document.

The foreclosure sale covering the land was likewise valid, notwithstanding the chattel mortgage that covered the P69,432.00 portion of the loan of P130,500.00.  The chattel mortgage was a contract distinct from the real estate mortgage, which latter mortgage covered the separate amount of P61,068.00.  Thus, the Bank had no right to include in the foreclosure of the land the portion of the loan separately secured by the chattel mortgage.

The Court finds no reason to deviate from the CA's ruling that the proceeds of the foreclosure sale should be applied to satisfy only the debt and related charges that the foreclosed land secured.  Since the Bank collected the entire amount of the loan from the proceeds of the foreclosure sale, including the portion that was not covered by the real estate mortgage, it must return such to Agtoto, which amounted to P189,497.10 (P305,000.00 less the P115,502.90 portion covered by the real estate mortgage.)[3]

Although the Bank insists that no excess amount remained out of the proceeds of its winning bid after payment of what was due it, it miserably failed to present evidence to substantiate its assertion.  The Court cannot simply ignore the importance of surplus foreclosure sale proceeds because they stand in the place of the land itself and are constructively, at least, real property that belongs to the mortgagor.[4]

Lastly, forbearance of money refers to the obligation of the creditor to desist for a fixed period from requiring the debtor to repay the debt then due and for which 12% per annum is imposed as interest rate.[5]  Since the excess amount that the Bank withheld may be regarded in equity as the equivalent of a forbearance of money, given that it charged the borrower interest for the same, the Bank should be made to pay 12% interest on it until fully paid.[6]  Such interest should, however, be computed only from the time the CA rendered its decision on October 27, 2005 when it determined with reasonable certainty the amount of the surplus proceeds the Bank has to return to Agtoto.

WHEREFORE, the Court AFFIRMS the Decision of the Court of Appeals in CA-G.R. CV 59246 dated October 27, 2005 with the MODIFICATION that the 12% interest rate per annum shall be computed from the date of such CA Decision.

SO ORDERED.

Carpio, (Chairperson), Nachura, Brion,* and Peralta, JJ., concur.

Endnotes:


* Designated as additional member in lieu of Associate Justice Jose Catral Mendoza, per Special Order 975 dated March 21, 2011.

[1]  TCT T-102384.

[2]  Rollo (G.R. 176103), p. 59.

[3]  Rollo (G.R. 175697), pp. 109-110.

[4]  Sulit v. Court of Appeals, 335 Phil. 914, 929 (1997).

[5]  Land Bank of the Philippines v. Ong, G.R. No.190755, November 24, 2010.

[6]  Eastern Shipping Lines, Inc. v. Court of Appeals, G.R. No. 97412, July 12, 1994, 234 SCRA 78, 95-97.



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  • [G.R. No. 169260, March 23 : 2011] SANDEN AIRCON PHILIPPINES AND ANTONIO ANG, PETITIONERS, VS. LORESSA P. ROSALES, RESPONDENT.

  • [G.R. No. 189821, March 23 : 2011] PEOPLE OF THE PHILIPPINES, APPELLEE, VS. ANTONIO OTOS ALIAS ANTONIO OMOS, APPELLANT.

  • [G.R. No. 176058, March 23 : 2011] PRESIDENTIAL ANTI-GRAFT COMMISSION (PAGC) AND THE OFFICE OF THE PRESIDENT, PETITIONERS, VS. SALVADOR A. PLEYTO, RESPONDENT.

  • [G.R. No. 151369, March 23 : 2011] ANITA MONASTERIO-PE AND THE SPOUSES ROMULO TAN AND EDITHA PE-TAN, PETITIONERS, VS. JOSE JUAN TONG, HEREIN REPRESENTED BY HIS ATTORNEY-IN-FACT, JOSE Y. ONG, RESPONDENT.

  • [G.R. No. 146839, March 23 : 2011] ROLANDO T. CATUNGAL, JOSE T. CATUNGAL, JR., CAROLYN T. CATUNGAL AND ERLINDA CATUNGAL-WESSEL, PETITIONERS, VS. ANGEL S. RODRIGUEZ, RESPONDENT.

  • [G.R. No. 160736, March 23 : 2011] AIR ADS INCORPORATED, PETITIONER, VS. TAGUM AGRICULTURAL DEVELOPMENT CORPORATION (TADECO), RESPONDENT.

  • [G.R. No. 156142, March 23 : 2011] SPOUSES ALVIN GUERRERO AND MERCURY M. GUERRERO, PETITIONERS, VS. HON. LORNA NAVARRO DOMINGO, IN HER CAPACITY AS PRESIDING JUDGE, BRANCH 201, REGIONAL TRIAL COURT, LAS PIÑAS CITY & PILAR DEVELOPMENT CORPORATION, RESPONDENTS.

  • [G.R. No. 192416, March 23 : 2011] GRANDTEQ INDUSTRIAL STEEL PRODUCTS, INC., ABELARDO GONZALES,[1] RONALD A. DE LEON,[2] NOEL AGUIRRE, FELIX ARPIA, AND NICK EUGENIO, PETITIONERS, VS. ANNALIZA M. ESTRELLA, RESPONDENT.

  • [G.R. No. 172678, March 23 : 2011] SEA LION FISHING CORPORATION, PETITIONER, VS. PEOPLE OF THE PHILIPPINES, RESPONDENT.

  • [G.R. No. 193664, March 23 : 2011] PEOPLE OF THE PHILIPPINES, PLAINTIFF-APPELLEE, VS. DOMINGO BANAN Y LUMIDO, ACCUSED-APPELLANT.

  • [G.R. No. 164321, March 23 : 2011] SKECHERS, U.S.A., INC., PETITIONER, VS. INTER PACIFIC INDUSTRIAL TRADING CORP., AND/OR INTER PACIFIC TRADING CORP. AND/OR STRONG SPORTS GEAR CO., LTD., AND/OR STRONGSHOES WAREHOUSE AND/OR STRONG FASHION SHOES TRADING AND/OR TAN TUAN HONG AND/OR VIOLETA T. MAGAYAGA AND/OR JEFFREY R. MORALES AND/OR ANY OF ITS OTHER PROPRIETOR/S, DIRECTORS, OFFICERS, EMPLOYEES AND/OR OCCUPANTS OF ITS PREMISES LOCATED AT S-7, ED & JOE'S COMMERCIAL ARCADE, NO. 153 QUIRINO AVENUE, PARAÑAQUE CITY, RESPONDENTS. TRENDWORKS INTERNATIONAL CORPORATION, PETITIONER-INTERVENOR, VS. INTER PACIFIC INDUSTRIAL TRADING CORP. AND/OR INTER PACIFIC TRADING CORP. AND/OR STRONG SPORTS GEAR CO., LTD., AND/OR STRONGSHOES WAREHOUSE AND/OR STRONG FASHION SHOES TRADING AND/OR TAN TUAN HONG AND/OR VIOLETA T. MAGAYAGA AND/OR JEFFREY R. MORALES AND/OR ANY OF ITS OTHER PROPRIETOR/S, DIRECTORS, OFFICERS, EMPLOYEES AND/OR OCCUPANTS OF ITS PREMISES LOCATED AT S-7, ED & JOE'S COMMERCIAL ARCADE, NO. 153 QUIRINO AVENUE, PARAÑAQUE CITY, RESPONDENTS.

  • [G.R. No. 190001, March 23 : 2011] GENUINO ICE COMPANY, INC., HECTOR S. GENUINO AND EDGAR A. CARRJAGA, PETITIONERS. VS. ERIC Y. LAVA AND EDDIE BOY SODELA, RESPONDENTS.

  • [G.R. No. 182550, March 23 : 2011] PEOPLE OF THE PHILIPPINES, APPELLEE, VS. RUEL VELARDE ALIAS DOLOY BELARDE, APPELLANT.

  • [G.R. No. 169895, March 23 : 2011] ISAGANI M. YAMBOT, LETTY JIMENEZ-MAGSANOC, JOSE MA. D. NOLASCO, ARTEMIO T. ENGRACIA, JR. AND VOLT CONTRERAS, PETITIONERS, VS. HON. ARTEMIO TUQUERO IN HIS CAPACITY AS SECRETARY OF JUSTICE, AND ESCOLASTICO U. CRUZ, JR., RESPONDENTS.

  • [A.M. No. P-09-2651, March 23 : 2011] EMMANUEL M. GIBAS, JR., COMPLAINANT, VS. MA. JESUSA E. GIBAS, COURT STENOGRAPHER I, MUNICIPAL TRIAL COURT, GUIGUINTO, BULACAN, AND FRANCONELLO S. LINTAO, SHERIFF IV, REGIONAL TRIAL COURT, BRANCH 83, MALOLOS CITY, BULACAN, RESPONDENTS.

  • [G.R. No. 185454, March 23 : 2011] STAR TWO (SPV-AMC), INC., PETITIONER, VS. HOWARD KO, MIN MIN SEE KO, JIMMY ONG, AND GRACE NG ONG, RESPONDENTS.

  • [G.R. No. 176596, March 23 : 2011] JUDGE ADORACION G. ANGELES, PETITIONER, VS. HON. MANUEL E. GAITE, DEPUTY EXECUTIVE SECRETARY FOR LEGAL AFFAIRS, OFFICE OF THE PRESIDENT; HON. RAUL GONZALES, SECRETARY, AND HON. JOVENCITO ZUÑO, CHIEF STATE PROSECUTOR, BOTH OF THE DEPARTMENT OF JUSTICE (DOJ); HON. RAMON R. GARCIA (SUBSTITUTED BY HON. JOSEPH LOPEZ), CITY PROSECUTOR, ACP MARLINA N. MANUEL, AND ACP ADELIZA H. MAGNO-GUINGOYON, ALL OF THE MANILA PROSECUTION SERVICE; AND SSP EMMANUEL VELASCO, DEPARTMENT OF JUSTICE, RESPONDENTS.

  • [G.R. No. 179844, March 23 : 2011] EMERSON B. BAGONGAHASA, GIRLIE B. BAGONGAHASA, DEPARTMENT OF AGRARIAN REFORM - PROVINCIAL AGRARIAN REFORM OFFICER OF LAGUNA, AND REGISTER OF DEEDS OF SINOLOAN, LAGUNA, PETITIONERS, VS. JOHANNA L. ROMUALDEZ, RESPONDENT. SPOUSES CESAR M. CAGUIN AND GERTRUDES CAGUIN, SPOUSES TEODORO MADRIDEJOS AND ANICETA IBANEZ MADRIDEJOS, DEPARTMENT OF AGRARIAN REFORM - PROVINCIAL AGRARIAN REFORM OFFICER OF LAGUNA, AND REGISTER OF DEEDS OF SINOLOAN, LAGUNA, PETITIONERS, VS. DIETMAR L. ROMUALDEZ, RESPONDENT. SOTELA D. ADEA, SPOUSES ESPERANZA AND LEONCIO MARIO, SPOUSES DELIA AND DANILO CACHOLA, SPOUSES MA. ALICIA AND REYMUNDO CAINTO, EDUARDO B. DALAY, SPOUSES JOSE LEVITICO AND EPIFANIA DALAY, SPOUSES JIFFY AND FAUSTINO DALAY, SPOUSES MA. RUTH AND MELCHOR PACURIB, MA. JERIMA B. DALAY, SPOUSES CLEOFAS AND TERESITA VITOR, SPOUSES CELESTINA AND ALEJANDRO COSICO, SPOUSES AUREA AND ANTONIO HERNANDEZ, SPOUSES JULIA AND RAFAEL DELA CRUZ, SPOUSES RAQUEL AND SEBASTIAN SAN JUAN, SPOUSES MARGARITA AND PABLITO LLANES, SR., FIDEL M. DALAY, SPOUSES JAIME AND MELVITA DALAY, SPOUSES EMILY AND FLORENCIO PANGAN, SPOUSES FELIPE AND ROSALIE DALAY, SPOUSES MARCELO AND CATALINA B. DALAY, AND SPOUSES RENATO AND ELIZABETH DALAY, DEPARTMENT OF AGRARIAN REFORM - PROVINCIAL AGRARIAN REFORM OFFICER OF LAGUNA, AND REGISTER OF DEEDS OF SINOLOAN, LAGUNA, PETITIONERS, VS. SPOUSES DANIEL AND ANA ROMUALDEZ, AND JACQUELINE L. ROMUALDEZ, RESPONDENTS.

  • [G.R. No. 175697, March 23 : 2011] RURAL BANK OF TOBOSO, INC. (NOW UCPB SAVINGS BANK), PETITIONER, VS. JEAN VENIEGAS AGTOTO, RESPONDENT. [G.R. NO. 176103] JEAN VENIEGAS AGTOTO, PETITIONER, VS. RURAL BANK OF TOBOSO, INC. AND ANTONIO ARBIS IN HIS CAPACITY AS EX-OFFICIO PROVINCIAL SHERIFF OF NEGROS OCCIDENTAL, RESPONDENTS.

  • [G.R. No. 167518, March 23 : 2011] BANK OF THE PHILIPPINE ISLANDS, PETITIONER, VS. PIO ROQUE S. COQUIA, JR., RESPONDENT.

  • [G.R. No. 192877, March 23 : 2011] BR> SPOUSES HERMES P. OCHOA AND ARACELI D. OCHOA, PETITIONERS, VS. CHINA BANKING CORPORATION, RESPONDENT.

  • [G.R. No. 192789, March 23 : 2011] PEOPLE OF THE PHILIPPINES, APPELLEE, VS. NGANO SUGAN, NGA BEN LATAM, FRANCING, GAGA LATAM, SALIGO KUYAN AND KAMISON AKOY, ACCUSED, GAGA LATAM, SALIGO KUYAN AND KAMISON AKOY, APPELLANTS.

  • [A.M. No. MTJ-11-1782 [Formerly OCA IPI No. 05-1807-MTJ], March 23 : 2011] JOSEFINA NAGUIAT, COMPLAINANT, VS. JUDGE MARIO B. CAPELLAN, PRESIDING JUDGE, MTCC, BR. 1, MALOLOS CITY, BULACAN, RESPONDENT.

  • [G.R.No. 170195, March 28 : 2011] SOCIAL SECURITY COMMISSION AND SOCIAL SECURITY SYSTEM, PETITIONER, VS. TERESA G. FAVILA, RESPONDENT.

  • [G.R. No. 187425, March 28 : 2011] COMMISSIONER OF CUSTOMS, PETITIONER, VS. AGFHA INCORPORATED, RESPONDENT.

  • [A.M. No. P-09-2686 (FORMERLY OCA I.P.I NO. 06-2441-P), March 28 : 2011] PRISCILLA L. HERNANDO, COMPLAINANT, VS. JULIANA Y. BENGSON, LEGAL RESEARCHER, RTC, BRANCH 104, QUEZON CITY, RESPONDENTS.

  • [G.R. No. 185556, March 28 : 2011] SUPREME STEEL CORPORATION, PETITIONER, VS. NAGKAKAISANG MANGGAGAWA NG SUPREME INDEPENDENT UNION (NMS-IND-APL), RESPONDENT.

  • [G.R. No. 178454, March 28 : 2011] FILIPINA SAMSON, PETITIONER, VS. JULIA A. RESTRIVERA, RESPONDENT.

  • [A.M. No. P-09-2637 (Formerly A.M. No. 08-12-682-RTC), March 29 : 2011] OFFICE OF THE COURT ADMINISTRATOR, COMPLAINANT, VS. ATTY. MAGDALENA L. LOMETILLO, FORMER CLERK OF COURT VII, VICTORIA S. PATOPATEN, CASHIER II, LINDA C. GUIDES, ADMINISTRATIVE OFFICER I, LENNY GEMMA P. CASTILLO, CLERK III, AND BRENDA M. LINACERO, CLERK III, ALL OF REGIONAL TRIAL COURT, ILOILO CITY, RESPONDENTS.

  • [G.R. No. 191560, March 29 : 2011] HON. LUIS MARIO M. GENERAL, COMMISSIONER, NATIONAL POLICE COMMISSION, PETITIONER, VS. HON. ALEJANDRO S. URRO, IN HIS CAPACITY AS THE NEW APPOINTEE VICE HEREIN PETITIONER HON. LUIS MARIO M. GENERAL, NATIONAL POLICE COMMISSION, RESPONDENT. HON. LUIS MARIO M. GENERAL, COMMISSIONER, NATIONAL POLICE COMMISSION, PETITIONER, VS. PRESIDENT GLORIA MACAPAGAL-ARROYO, THRU EXECUTIVE SECRETARY LEANDRO MENDOZA, IN HER CAPACITY AS THE APPOINTING POWER, HON. RONALDO V. PUNO, IN HIS CAPACITY AS SECRETARY OF THE DEPARTMENT OF INTERIOR AND LOCAL GOVERNMENT AND AS EX-OFFICIO CHAIRMAN OF THE NATIONAL POLICE COMMISSION AND HON. EDUARDO U. ESCUETA, ALEJANDRO S. URRO, AND HON. CONSTANCIA P. DE GUZMAN AS THE MIDNIGHT APPOINTEES, RESPONDENTS.

  • [G.R. No. 171427, March 30 : 2011] STERLING SELECTIONS CORPORATION, PETITIONER, VS. LAGUNA LAKE DEVELOPMENT AUTHORITY (LLDA) AND JOAQUIN G. MENDOZA, IN HIS CAPACITY AS GENERAL MANAGER OF LLDA, RESPONDENTS.

  • [G.R. No. 159450, March 30 : 2011] PEOPLE OF THE PHILIPPINES, PLAINTIFF-APPELLEE, VS. OLIVIA ALETH GARCIA CRISTOBAL, ACCUSED-APPELLANT.

  • [G.R. No. 177324, March 30 : 2011] PEOPLE OF THE PHILIPPINES, PLAINTIFF-APPELLEE, VS. REYNALD DELA CRUZ Y LIBANTOCIA, ACCUSED-APPELLANT.

  • [G.R. No. 189834, March 30 : 2011] PEOPLE OF THE PHILIPPINES, PLAINTIFF-APPELLEE, VS. JAY MANDY MAGLIAN Y REYES, ACCUSED-APPELLANT.

  • [G.R. No. 169575, March 30 : 2011] IMELDA PANTOLLANO (FOR HERSELF AS SURVIVING SPOUSE AND IN BEHALF OF HER 4 CHILDREN HONEYVETTE, TIERRA BRYN, KIENNE DIONNES, SHERRA VEDA MAE, THEN ALL MINORS, WITH DECEASED SEAMAN VEDASTO PANTOLLANO), PETITIONER, VS. KORPHIL SHIPMANAGEMENT AND MANNING CORPORATION, RESPONDENT.

  • [G.R. No. 170351, March 30 : 2011] LEYTE GEOTHERMAL POWER PROGRESSIVE EMPLOYEES UNION - ALU - TUCP, PETITIONER, VS. PHILIPPINE NATIONAL OIL COMPANY - ENERGY DEVELOPMENT CORPORATION, RESPONDENT.

  • [A. M. No. P-10-2803, March 30 : 2011] JUDGE JEOFFRE W. ACEBIDO, REGIONAL TRIAL COURT, BRANCH 41, CAGAYAN DE ORO CITY, COMPLAINANT,VS. LUDYCISSA A. HALASAN, COURT STENOGRAPHER III, AND JOEL A. LARGO, UTILITY WORKER I, REGIONAL TRIAL COURT, BRANCH 41, CAGAYAN DE ORO CITY, RESPONDENTS.

  • [G.R. No. 181355, March 30 : 2011] BENJAMIN BELTRAN, JR. AND VIRGILIO BELTRAN, PETITIONERS, VS. THE HONORABLE COURT OF APPEALS AND THE PEOPLE OF THE PHILIPPINES, RESPONDENTS.

  • [G. R. No. 169766, March 30 : 2011] ESTRELLITA JULIAJVO-LLAVE, PETITIONER, VS. REPUBLIC OF THE PHILIPPINES, HAJA PUTRI ZORAYDA A. TAMANO AND ADIB AHMAD A. TAMANO, RESPONDENTS.

  • [G.R. No. 182177, March 30 : 2011] RICHARD JUAN, PETITIONER, VS. GABRIEL YAP, SR., RESPONDENT.

  • [G.R. No. 184980, March 30 : 2011] DANILO MORO, PETITIONER, VS. GENEROSO REYES DEL CASTILLO, JR., RESPONDENT. D E C I S I O N

  • [G.R. No. 177260, March 30 : 2011] LOTTO RESTAURANT CORPORATION, REPRESENTED BY SUAT KIM GO, PETITIONER, VS. BPI FAMILY SAVINGS BANK, INC., RESPONDENT.