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Philippine Supreme Court Jurisprudence > Year 2006 > November 2006 Decisions > G.R. No. 163712 -
METROPOLITAN BANK AND TRUST COMPANY, ET AL. vs JOSE B. TAN, ET AL.:

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Review
THIRD DIVISION

[G.R. NO. 163712 : November 30, 2006]

METROPOLITAN BANK AND TRUST COMPANY and ROGELIO T. UY, Petitioners, v. JOSE B. TAN and ELIZA GO
TAN, Respondents.

DECISION

CARPIO MORALES, J.:

On the application for extra-judicial foreclosure of mortgage filed by herein petitioners Metropolitan Bank and Trust
Company (Metrobank) and its Vice President Rogelio T. Uy (Uy), the Office of the Provincial Sheriff of Misamis Oriental
issued a "Sheriff's Notice of Sale"1 setting on April 17, 1998 the sale at public auction of four mortgaged parcels of land
including that covered by Transfer Certificate of Title No. T-53267 (the title in question) registered in the name of herein
respondent Jose B. Tan who was referred to in the title as "JOSE B. TAN, of legal age, Filipino, married to Eliza Go Tan. . .
."2

A day before the scheduled public auction of the mortgaged properties or on April 16, 1998, respondent spouses Jose B.
Tan and Eliza Go Tan filed a complaint3 against petitioners, along with Albano L. Cuarto, Sheriff IV of the Office of the
Provincial Sheriff of Misamis Oriental, for removal of cloud on the title in question and injunction before the Regional Trial
Court of Misamis Oriental. The complaint was docketed as Civil Case No. 98-225.

Respondents cited the following grounds-bases of their complaint:

1. Respondent Eliza Go Tan never gave her consent or conformity to encumber the title in question;

DebtKollect Company, Inc.
2. The real estate mortgages, annotated as Entries No. 142475, 146789, 174644, 213699, 247803, and
246959 at the back of TCT No. 52367 covering the questioned land are null and void because respondent
Jose B. Tan had already fully paid the obligations secured by the mortgages annotated as Entries No.
14275, 146789, and 174644; while the mortgages registered as Entry No. 213699 (amendment of
mortgage, amending a previous loan of P15,000,000 to P25,000,000) and Entry No. 246959 (amendment
of mortgage amending a previous loan of P25,000,000 to P40,000,000), as well as any mortgage prior to
that registered as Entry No. 213699 was not executed and signed by [respondent Jose B. Tan].
(Underscoring supplied) cralawlibrary

As scheduled, the public auction of the foreclosed properties took place on April 17, 1998 following which the Office of the
Provincial Sheriff of Misamis Oriental issued a Sheriff's Certificate of Sale4 in the name of petitioner Metrobank, the
highest bidder.

In their Answer5 to the Complaint, petitioners alleged that:

Plaintiffs [herein respondents], together with their two sons, Ariel and Rey John, obtained a credit line from the
defendant bank from which they made availments from time to time. In time and always upon their plea, the line was
gradually increased until it reached P40 million. There was no separate or distinct loan to speak of; all availments
or releases were taken from one and the same line.

In the same token, the mortgage constituted on the four lots, TCT No. T-53267 included, was for the entire credit line and
not for any particular availment or for a determinate portion of the credit. As such, the mortgage will be discharged and
 ChanRobles Intellectual
Property Division
November-2006
Jurisprudence                  annotated at the back of TCT No. T-53267, of the Registry of Deeds for Cagayan de Oro City;
A.C. No. 6266 - ESTELA ANASTACIO-
BRIONES vs ATTY. ALFREDO A. ZAPANTA
A.C. No. 7123 - MARIA DIVINA CRUZ-
VILLANUEVA vs ATTY. CARLOS P. RIVERA,
ET AL.
A.C. No. 7214 - AILEEN A. FERANCULLO
vs ATTY. SANCHO M. FERANCULLO, JR.
A.C. No. 6266 - ESTELA ANASTACIO-
BRIONES vs ATTY. ALFREDO A. ZAPANTA
A.C. No. 7123 - MARIA DIVINA CRUZ-
VILLANUEVA vs ATTY. CARLOS P. RIVERA,
ET AL.
A.C. No. 7214 - AILEEN A. FERANCULLO
vs ATTY. SANCHO M. FERANCULLO, JR.
A.C. No. 6266 - ESTELA ANASTACIO-
BRIONES vs ATTY. ALFREDO A. ZAPANTA
A.C. No. 7123 - MARIA DIVINA CRUZ-
VILLANUEVA vs ATTY. CARLOS P. RIVERA,
ET AL.
A.C. No. 7214 - AILEEN A. FERANCULLO
vs ATTY. SANCHO M. FERANCULLO, JR.
Adm. Case No. 7252 - CBD 05-1434 -
JOHNNY NG vs ATTY. BENJAMIN C. ALAR
A.C. No. 7280 - DAHLIA S. GACIAS vs
ATTY. ALEXANDER BULAUITAN
A.M. No. 06-4-219-RTC - RE: REPORT ON
THE JUDICIAL AUDIT AND PHYSICAL
INVENTORY
A.M. No. 2004-15-SC - PROSECUTOR
AGAPITO B. ROSALES vs ENGR. CELERINO
BUENAVENTURA
A.M. No. 2005-26-SC - RE: LOST CHECKS
ISSUED TO THE LATE RODERICK ROY P.
MELLIZA, ETC.
A.M. No. MTJ-03-1503 - NATIONAL
BUREAU OF INVESTIGATION vs JUDGE
LUISITO T. ADAOAG
A.M. No. MTJ-06-1660 - Formerly A.M.
No. OCA IPI 04-1519-MTJ - SPOUSES
TREFIL AND LINA A. UMALE vs JUDGE
NICOLAS V. FADUL, JR.
A.M. No. P-03-1731 - PNB MANAGEMENT
AND DEVELOPMENT CORPORATION vs
CARMELO CACHERO
A.M. No. P-03-1737 - Formerly OCA IPI
No. 01-1250-P - NICOLAS PACLIBAR vs
the four lots released only upon the termination of the line, which means full payment of the entire loan - which plaintiffs
never did.6 (Emphasis and underscoring supplied)
cralawlibrary
Petitioners further alleged that the deeds of real estate mortgage,7 promissory notes,8 and credit line agreements9 bore
the signature of respondent Jose B. Tan either for himself or as attorney-in-fact of his son Ariel Tan and, in one of them,
his wife-co-respondent Eliza Go Tan's signature appeared.
By way of Counterclaim, petitioners prayed for the award of attorney's fees, compensatory and/or moral damages,
exemplary damages, and other reliefs.10
Crediting the testimony of respondent Jose B. Tan denying having 1) executed and signed the two amendments of the
mortgage, 2) received the amount of P40,000,000, and 3) appeared before Notary Public Joel Peñaranda who
notarized11 the mortgage for P40,000.00, and likewise crediting the testimony of respondent Eliza Go Tan denying that
the signature appearing on the real estate mortgage dated November 5, 1992 was hers,12 and finding that
. . . the existing loans covered by real estate mortgages annotated at the back of subject TCT No. T-53267 of the Registry
of Deeds for Cagayan de Oro, had been fully paid as of July 1, 1997, defendant Metrobank had no basis to be paid
again through the extra-judicial foreclosure proceedings13 (underscoring supplied)[,]
Branch 38 of the Misamis Oriental RTC, by Decision of March 5, 2001, rendered judgment in favor of respondents,
disposing as follows:
WHEREFORE, premises considered, this Court hereby renders judgment in favor of the plaintiffs spouses Jose B. Tan and
Eliza G. Tan and against the defendants, as follows:
a) Declaring that, because of the fact that the plaintiff Eliza G. Tan did not give her consent to all the real
estate mortgages annotated at the back of her title, TCT No. T-53267, of the Registry of Deeds for Cagayan
de Oro, all said mortgages are null and void ab initio;
b) Declaring that, because plaintiff Jose B. Tan did not execute the real estate mortgages annotated at the
back of his title, TCT No. T-53267, of the Registry of Deeds for Cagayan de Oro, all said mortgages are null
and void ab initio;
c) Declaring the extra-judicial foreclosure proceedings taken by the defendant sheriff, including the
sheriff's certificate of sale as null and void;
d) Making permanent the writ of preliminary injunction against the defendant sheriff, and the Office of the
Provincial Sheriff of Misamis Oriental enjoining and restraining them, their agents, and representatives from
issuing a final certificate of sale in favor of defendant Metrobank covering the parcel of land covered by TCT
No. T-53267;
e) Ordering the removal of the cloud on the title, TCT No. T - 53267, of the Registry of Deeds for Cagayan
de Oro, and the cancellation of all the entries of the real estate mortgages and amendment of mortgages
f) Absolving the plaintiffs spouses from financial liability from the null and void real estate
mortgages;
g) Declaring the principal obligations obtained by Rey John Tan through the annulled real estate
mortgages as FULLY PAID by him;
h) Ordering defendant Metrobank to pay attorney's fee and expenses of litigation in the amount of
P100,000 and the costs.
SO ORDERED.14 (Emphasis and underscoring supplied) cralawlibrary
Petitioners appealed the trial court's decision before the Court of Appeals.
By Decision of November 21, 2003,15 the Court of Appeals affirmed the trial court's decision and accordingly dismissed
petitioners' appeal. And it denied petitioners' Motion for Reconsideration.16
Hence, the present Petition for Review on Certiorari filed on July 7, 2004.17
The petition is impressed with merit.
Petitioners assail, in the main, the appellate court's affirmance of the trial court's decision absolving respondents from
liability for the principal obligation obtained by their son Rey John Tan which was secured by real estate mortgages,
including that covered by the title in question, and declaring such principal obligation of Rey John Tan, who is not a party
to the case, to have been fully paid by him as of July 1, 1997, before the questioned extra-judicial foreclosure and public
auction sale conducted on April 17, 1998.18
Respondent Jose B. Tan19 insisted that he was not a party to the documents bearing on the grant of the credit line, he
pointing to the absence of his signature above his typewritten name on the Credit Line Agreements, promissory notes,
disclosure statements, and an Amendment of Real Estate Mortgage. Respondents presented in evidence Promissory Notes
- Exhibits "B-2" and "B-4" dated July 1, 1997 and June 24, 1997, respectively; three Credit Line Agreements - Exhibits
"B-6," "B-7," and "B-8,"20 dated May 2, 1997; and the Agreement amending the real estate mortgage - Exhibit "B-9,"21
all dated May 2, 1997.
Petitioners, on the other hand, presented six Promissory Notes dated February 26, 1996, May 8, 1996, August 27, 1996,
October 8, 1996, October 25, 1996, and November 18, 1996;22 five Credit Line Agreements dated September 9, 1991,
September 24, 1992, September 2, 1993, November 3, 1994, and April 25, 1996;23 an Amendment of Real Estate
Mortgage from P15,000,000 to P25,000,000; and October 29, 199624 Amendment of Real Estate Mortgage from
P25,000,000 to P40,000,000.
All document-exhibits of petitioners which are original copies bear the signature of respondent Jose B. Tan, however, as
solidary co-debtor of his sons Rey John Tan and Ariel Tan.25 And these documents were annotated at the back of the title
in question.26
In the absence of proof, nay allegation, that the signatures of respondent Jose B. Tan on the abovementioned documents
were forged, this Court is constrained to uphold their genuineness.27
As for the claim that respondent Eliza Go Tan did not give her consent to the mortgage of the title in question, the same is
belied by her signature28 on Exhibit "18"-Real Estate Mortgage which is annotated as Entry No. 174644 at the back of the
title. Her bare denial that the signature was forged, without more, does not lie.
In any event, lack of respondent Eliza Go Tan's consent to the mortgage covering the title in question would not render
the encumbrance void under the second paragraph of Article 124 of the Family Code.29 For proof is wanting that the
property covered by the title is conjugal - that it was acquired during respondents' marriage which is what would give rise
to the presumption that it is conjugal property.30 The statement in the title that the property is "registered in accordance
with the provisions of Section 103 of the Property Registration Decree in the name of JOSE B. TAN, of legal age,
married to Eliza Go Tan"31 does not prove or indicate that the property is conjugal. So Ruiz v. Court of Appeals32
instructs:
RENAN V. PAMPOSA
A.M. No. P-05-2092 - ATTY. PERFECTO
A.S. LAGUIO, JR. vs MILA AMANTE-CASICAS
A.M. No. P-05-1979 - JUDGE LEONARDO
P. CARREON vs ERIC ANTHONY S. ORTEGA
A.M. No. P-06-2109 - LIGAYA V. REYES vs
MARIO PABLICO
A.M. No. P-06-2204 - NYDIA S. SERVINO
vs MA. MAWILYNN CONCEPCION B. ADOLFO
The property subject of the mortgage is registered in the name of "Corazon G. Ruiz, of legal age, married to Rogelio
Ruiz, Filipinos." Thus, title is registered in the name of Corazon alone because the phrase "married to Rogelio Ruiz" is
merely descriptive of the civil status of Corazon and should not be construed to mean that her husband is also a
registered owner. Furthermore, registration of the property in the name of "Corazon G. Ruiz, of legal age, married to
Rogelio Ruiz" is not proof that such property was acquired during the marriage, and thus, is presumed to be
conjugal. The property could have been acquired by Corazon while she was still single, and registered only after her
marriage to Rogelio Ruiz. Acquisition of title and registration thereof are two different acts. The presumption under Article
116 of the Family Code that properties acquired during the marriage are presumed to be conjugal cannot apply in the
instant case. Before such presumption can apply, it must first be established that the property was in fact acquired during
the marriage. In other words, proof of acquisition during the marriage is a condition sine qua non for the operation of the
presumption in favor of conjugal ownership. No such proof was offered nor presented in the case at bar.33 (Emphasis and
underscoring supplied) cralawlibrary

A.M. No. P-06-2266 - ENCARNACION
FLORES vs ROMEO S. GATCHECO, JR.
A.M. No. P-06-2257 - SPS. ARTHUR and
LEONORA STILGROVE vs ERIBERTO R.
SABAS, ET AL.
A.M. No. P-06-2268 - BIENVENIDO L.
PUNZALAN vs RUMEL M. MACALISANG
A.M. No. RTJ-05-1901 - FORTUNE LIFE
INSURANCE, COMPANY, INC. vs JUDGE
On respondents' claim of payment, they presented debit memo-Exhibits "G" to "G-11"34 (of which only Exhibits "G-6" to
"G-11"35 are relevant to the issues) and certifications-Exhibits "H" and "H-1"36 issued by an accountant, one Glenn
Cabading.
Rebutting Exhibits "G" to "G-11" inclusive, petitioners presented credit memos37 which, to them, cancelled respondents'
debit memos. From a comparison of the credit and debit memos with the bank ledgers38 and especially considering the
unquestioned explanation of petitioner Uy on the reason behind the issuance of these memos, viz:
ATTY. DEL CASTILLO:
Q You said, when a loan is renewed you credit a certain amount. Can you expound that a little bit? cralawlibrary

JIMMY H. F. LUCZON, JR.

A Actually, the Banco Central punish[es] if the loan cannot be renewed for several years without payment. Just to
A.M. No. RTJ-06-2002 - ROCKLAND circumvent that policy, we do the credit first and the debit just for the renewal.
CONSTRUCTION CO., INC. vs JUDGE
MARIANO M. SINGZON, JR. Q Why is that? cralawlibrary

G.R. No. 74269 & 92137 - SOLID HOMES, A To show that amount is fully paid and we avail.
INC., ET AL. vs HON. INTERMEDIATE
APPELLATE COURT, ET AL. Q How is that done? cralawlibrary

G.R. No. 127636 - E. ROMMEL REALTY A We credit first the renewed amount and we debit the old promissory note.
AND DEVELOPMENT CORPORATION, ET AL.
vs STA. LUCIA REALTY DEVELOPMENT Q When you credit, there were other papers accomplished? cralawlibrary

CORPORATION
A Yes.
G.R. No. 126890 - UNITED PLANTERS
SUGAR MILLING COMPANY, INC. vs COURT Q What are these papers called? cralawlibrary

OF APPEALS, ET AL.
A Credit Memos on loan release.
G.R. No. 129820 - PNOC-ENERGY
DEVELOPMENT CORPORATION vs EMILIANO Q Where do you credit this? cralawlibrary

G. VENERACION, JR.
A It is credited on their accounts.
G.R. No. 132834 - RUPERTO LUCERO, JR.,
ET AL. vs CITY GOVERNMENT OF PASIG Q On the existing accounts? cralawlibrary

G.R. No. 135817 - REYNALDO A Yes, deposit account.

RODRIGUEZ, ET AL. vs CONCORDIA ONG
LIM, ET AL. Q And what is debit memos? cralawlibrary

G.R. NOS. 140371-72 - DY YIENG

A Debit memos are ones that liquidate the loan so that the whole promissory note will be distinguished [sic].39 (Emphasis
SEANGIO, ET AL. vs AMOR A. REYES, ET AL.
and underscoring supplied),
G.R. No. 140833 - LACEPI T. MAGNANAO
this Court is persuaded by petitioners' claim that the debit memos represented "payment" only in the bank's book entries
vs PEOPLE OF THE PHILIPPINES
but did not actually involve payment/settlement of the original obligation. ςηαñrοblεš νιr†υαl lαω lιbrαrÿ

G.R. No. 141480 - CARLOS B. DE GUZMAN

vs TOYOTA CUBAO, INC.
G.R. No. 142351 - ST. MARTIN FUNERAL
HOMES vs NATIONAL LABOR RELATIONS
COMMISSION, ET AL.
G.R. No. 143219 - ASIAN TERMINALS,
INC. vs RENATO P. VILLANUEVA, ET AL.
In fine, the extra-judicial foreclosure and subsequent sale of the mortgaged property covered by the title in question was
valid.
WHEREFORE, the petition is GRANTED. The assailed decision of the appellate court is SET ASIDE. Civil Case No. 98-
225, "Jose B. Tan and Eliza Go Tan v. Metropolitan Bank and Trust Company, et al.," filed before and raffled to Branch 38
of the Regional Trial Court of Misamis Oriental, is DISMISSED.
SO ORDERED.

G.R. No. 143382 - SECURITY BANK and Endnotes:

TRUST COMPANY vs MAR TIERRA
CORPORATION, ET AL.
1 Exhibit "E," Index of Exhibits for the Plaintiffs, p. 16.
G.R. No. 144062 - THE BASES
CONVERSION AND DEVELOPMENT 2 Exhibits "C," "C-1," and "C-2," id. at 12.
AUTHORITY, ET AL. vs ELPIDIO UY
3 Index of Records, pp. 2-9.
G.R. No. 146707 - ERNESTO DUMLAO,
JR., ET AL. vs RODOLFO PONFERRADA, ET 4 Exhibit "F," Index of Exhibits for the Plaintiffs, p. 17.
AL.
5 Index of Records, p. 25-29.
G.R. No. 148090 - STRONGHOLD
INSURANCE COMPANY, INC. vs NEMESIO S.
6 Index of Records, p 27.
FELIX, ET AL.

G.R. No. 148490 - 7K CORPORATION vs 7Id. at 30-34; vide marked originals, Exhibits "16," "17," "18," "19," and "20," Index of Exhibits for the
NATIONAL LABOR RELATIONS Defendants, pp. 16-20.
COMMISSION, ET AL.
8 Index of Records, pp. 35-40; vide marked originals, Exhibits "5," "6," "7," "8," "9," and "10," Index of
G.R. NOS. 148500-01 - TIMES Exhibits for the Defendants, pp. 5-10.
TRANSPORTATION CO. INC. vs NATIONAL
LABOR RELATIONS COMMISSION, ET AL. 9 Index of Records, pp. 41-45; vide marked originals, Exhibits "11," "12," "13," "14," and "15," Index of
G.R. NOS. 148839-40 - NAGKAHIUSANG
Exhibits for the Defendants, pp. 11-15.
MAMUMUO SA PICOP RESOURCES, INC. -
10 Index of Records, pp. 27-28.
SOUTHERN PHILIPPINES FEDERATION OF
LABOR (NAMAPRI - SPFL), ET AL. vs COURT
11 Id. at 243; TSN, January 28, 1999, pp. 8-9; Rollo, pp. 98, 387-388.
OF APPEALS, ET AL.

G.R. No. 148971 - ALBERTO GARONG vs 12 Index of Records, p. 242; TSN, January 26, 1999, p.27.
PEOPLE OF THE PHILIPPINES
13 Id. at 245.
G.R. No. 149633 - EXECUTIVE DIRECTOR
GABRIEL S. CASAL, ET AL. v. COMMISSION 14 Id. at 245-247.
ON AUDIT
15 Penned by Court of Appeals Associate Justice Andres B. Reyes, Jr. with the concurrence of Associate
G.R. No. 149748 - JANG LIM, ET AL vs
COURT OF APPEALS, ET AL. Justices Buenaventura J. Guerrero and Regalado E. Maambong, CA rollo, pp. 211-228.
 G.R. No. 149753 - Miguel Cosme, Jr. v. 16 Id. at 231-243.
People of the Philippines
17 Rollo, pp. 16-49.
G.R. NO. 149764 - PHILIPPINE
OVERSEAS TELECOMMUNICATIONS 18
CORPORATION vs ENRIQUE GUTIERREZ, ET
Id. at 34-36, 40-41.
AL.
19A Notice of Death together with a Certificate of Death of respondent Jose B. Tan showing that he died on
G.R. No. 150253 - DAVAO LIGHT AND December 26, 2004 was submitted before this Court during the pendency of the present petition or on
POWER CORPORATION, INC. vs ANTONIO February 10, 2005.
G. DIAZ, ET AL.
20 Index of Exhibits for the Plaintiffs, pp. 4, 6, 8-10.
G.R. No. 150402 - EPARWA SECURITY
AND JANITORIAL SERVICES, INC. vs LICEO 21 Id. at 11.
DE CAGAYAN UNIVERSITY
22 Exhibits "5" - "10," Index of Exhibits for the Defendants, pp. 5-10.
G.R. No. 152258 - ROGELIO P. ANTALAN
vs ANIANO DESIERTO 23 Exhibits "11" - "15," Index of Exhibits for the Defendants, pp. 11-15.
G.R. No. 152984 - WILLIAM G. KWONG vs
24 Exhibit "19," Index of Exhibits for the Defendants, p. 19.
ATTY. RAMON GARGANTOS, ET AL.
25Vide Exhibits ""5-a," "6-a," "7-a," "8-a," "9-a," "10-a," "11-a," "12-a," "13-a," "14-a," "15-a," "19-a,"
G.R. NO. 154006 - STAR PAPER
CORPORATION vs CARLITO ESPIRI TU, ET and "20-a," Index of Exhibits for the Defendants, pp. 5-15, 19-20.
AL.
26Exhibits "16" - "20", Index of Exhibits for the Defendants, pp. 16-20; Exhibits "C-5" - "C-7," Index of
G.R. NO. 154565 - REMEDIOS RAMOS vs Exhibits for the Plaintiffs, pp. 12-13.
TESSIE PABAS
27 Vide Bautista v. Court of Appeals, G.R. No. 158015, August 11, 2004, 436 SCRA 141, 146-147
G.R. No. 154685 - METROPOLITAN BANK
(presumption in favor of genuineness of signatures).
and TRUST COMPANY, ET AL. vs COURT OF
APPEALS, ET AL. 28 Vide Exhibit "18-b," Index of Exhibits for the Defendants, p. 18.
G.R. No. 155645 - PHILIPPINE LONG
29 The relevant portion reads:
DISTANCE TELEPHONE COMPANY, INC. vs
MAYFLOR T. YLAGAN
"x x x x
G.R. No. 155574 - TIMOTEO A. GARCIA vs
SANDIGANBAYAN In the event that one spouse is incapacitated or otherwise unable to participate in the
administration of the conjugal properties, the other spouse may assume sole powers of
G.R. No. 156294 - MELVA THERESA administration. These powers do not include disposition or encumbrance without the
ALVIAR GONZALES vs RIZAL COMMERCIAL authority of the court or the written consent of the other spouse. In the absence of such
BANKING CORPORATION authority or consent, the disposition or encumbrance shall be void.

G. R. No. 156888 - PEDRO R. SANTIAGO x x x x"

vs SUBIC BAY METROPOLITAN AUTHORITY
G.R. No. 156903 - SPOUSES CARLOS and
TERESITA RUSTIA vs EMERITA RIVERA
G.R. No. 157107 - ALPINE LENDING
INVESTORS, ET AL. vs ESTRELLA CORPUZ
30 Vide Art. 116 of the Family Code: "All property acquired during the marriage, whether the acquisition
appears to have been made, contracted or registered in the name of one or both spouses, is presumed to
be conjugal unless the contrary is proved."
31
Exhibits "C-2" and "C-3," Index of Exhibits for the Plaintiffs, p. 12 (emphasis supplied).

32 G.R. No. 146942, April 22, 2003, 401 SCRA 410.

G.R. No. 157117 - COASTAL SUBIC BAY
TERMINAL, INC. vs DEPARTMENT OF LABOR
and EMPLOYMENT, ET AL. 33 Id. at 418-419.

G.R. NOS. 157236-45 - ROMEO D. 34 Index of Exhibits for the Plaintiffs, pp. 18-21.
LONZANIDA vs SANDIGANBAYAN
35 Id. at 20-21. An examination of the debit memos shows that the total loans covered by all the debit
G.R. No. 157906 - JOAQUINITA P. CAPILI
memos amount to P72, 100,000 while the loan in this case totalled P40,000,000. Furthermore, only
vs SPS. DOMINADOR CARDAÑA and
Exhibits "G-6" to "G-11" correspond to the promissory notes presented by petitioners:
ROSALITA CARDAÑA,

G.R. No. 158676 - BPI-FAMILY SAVINGS Promissory Note Debit Memo

BANK, INC. vs SPS. ZENAIDA DOMINGO &
ABUNDIO S. DOMINGO, ET AL.
G.R. No. 158707 - COMMUNITY RURAL
BANK OF SAN ISIDRO (N.E.), INC. vs
YSAGANI V. PAEZ
Exhibit "5" or PN No. BDS-041-96 (for P2,900,000) Exhibit "G-6" (Debit Memo for P2,900,000 in full
payment of AGRI-CDO-X41-96F)
Exhibit "6" or AGR-CDO 037-96 (for P12,000,000) Exhibit "G-11" (Debit Memo for P12,000,000 in full
payment of AGRI-CDO-037-96E)

G.R. NOS. 157294-95 - JOSEPH VICTOR Exhibit "7" or AGR-CDO 065-96 (for P2,000,000) Exhibit "G-10" (Debit Memo for P2,000,000 in full
G. EJERCITO vs SANDIGANBAYAN, ET AL. payment of AGRI-CDO-065-96E)

G.R. No. 158960 - LORNA FRANCES Exhibit "8" or AGR-CDO 074-96 (for P1,000,000) Exhibit "G-7" (Debit Memo for P1,000,000 in full
FILIPINO vs F. WALTER R. MACABUHAY payment of AGRI-CDO-074-96E)

G.R. No. 159373 - JOSE R. MORENO, JR. Exhibit "9" or AGRI-075-96 (for P2,000,000) Exhibit "G-8" (Debit Memo for P2,000,000 in full
vs PRIVATE MANAGEMENT OFFICE payment of AGRI-CDO-075-96E)

G.R. No. 159991 - CARMELINO F. Exhibit "10" or AGRI-CDO-081-96 (for Exhibit "G-9" (Debit Memo for P20,100,000 in full
PANSACOLA vs COMMISSIONER OF P20,100,000) payment of AGRI-CDO-081-96E)
INTERNAL REVENUE
36 Index of Exhibits for the Plaintiffs, pp. 22-23.
G.R. No. 159734 and G.R. NO. 159745 -
ROSARIO V. ASTUDILLO vs PEOPLE OF THE 37
PHILIPPINES Exhibits "25," "27," "29," "30," "32," and 33," Index of Exhibits for the Defendants, pp. 26, 28, 37, 38,
41, and 47.
G.R. No. 160347 - ARCADIO and MARIA
38 Exhibits "26," "28' and submarkings, "31," Index of Exhibits for the Defendants, pp. 27, 33-36, 39-40.
LUISA CARANDANG vs HEIRS OF QUIRINO
A. DE GUZMAN, ET AL.
39 TSN, September 21, 1999, pp. 62-64.
G.R. No. 160618 - DENNIS D. SY vs
METROPOLITAN BANK & TRUST COMPANY

G.R. No. 160805 - SPOUSES ADIEL DE LA

CENA and CARIDAD AREVALO DE LA CENA
vs SPOUSES JOSE BRIONES and HERMINIA Back to Home | Back to Main
LLEDO BRIONES

G.R. No. 161086 - CIVIL SERVICE

COMMISSION vs COURT OF APPEALS QUICK SEARCH
G.R. No. 161136 - WILFREDO
VAGILIDAD, ET AL. vs GABINO VAGILIDAD,
JR., ET AL.
1901 1902 1903 1904 1905 1906 1907 1908
G.R. No. 161115 - DOLE PHILIPPINES,
1909 1910 1911 1912 1913 1914 1915 1916
INC. vs MEDEL ESTEVA, ET AL.
1917 1918 1919 1920 1921 1922 1923 1924
 G.R. No. 162037 - Heirs of Enrique Diaz v. 1925 1926 1927 1928 1929 1930 1931 1932
Elinor A. Virata
1933 1934 1935 1936 1937 1938 1939 1940
G.R. No. 162243, G.R. No. 164516 & G.R. 1941 1942 1943 1944 1945 1946 1947 1948
No. 171875 - HEHERSON ALVAREZ vs PICOP
RESOURCES, INC.
1949 1950 1951 1952 1953 1954 1955 1956
1957 1958 1959 1960 1961 1962 1963 1964
G.R. No. 162308 - G & M PHILIPPINES,
INC. vs ROMIL V. CUAMBOT
1965 1966 1967 1968 1969 1970 1971 1972
1973 1974 1975 1976 1977 1978 1979 1980
G.R. No. 162331 - LEPANTO
CONSOLIDATED MINING CO. vs WMC
1981 1982 1983 1984 1985 1986 1987 1988
RESOURCES INT L. PTY. LTD., ET AL. 1989 1990 1991 1992 1993 1994 1995 1996

G.R. No. 162366 - FEDERICA M.

1997 1998 1999 2000 2001 2002 2003 2004
SERRANO, ET AL. vs SPOUSES ANSELMO 2005 2006 2007 2008 2009 2010 2011 2012
GUTIERREZ AND CARMELITA GUTIERREZ
2013 2014 2015 2016 2017 2018
G.R. No. 163735 - GREEN ASIA
CONSTRUCTION AND DEVELOPMENT
CORPORATION, ET AL. vs COURT OF
APPEALS, ET AL.

G.R. No. 163712 - METROPOLITAN BANK

AND TRUST COMPANY, ET AL. vs JOSE B.
Main Indices of the Library ---> Go!
TAN, ET AL.

G.R. No. 163763 - MALAYAN REALTY,

INC. vs UY HAN YONG

G.R. No. 164300 - SPOUSES BENJAMIN

AND AGRIFINA SIM vs M.B. FINANCE
CORPORATION

G.R. No. 164321 - SKECHERS, U.S.A., INC.

vs INTER PACIFIC INDUSTRIAL TRADING
CORP., ET AL.

G.R. No. 164545 - LORBE REBUCAN y

BALTAZAR vs PEOPLE OF THE PHILIPPINES

G.R. No. 165038 - HEIRS OF EMILIO R.

DOMINGO AND FELICIDAD CORNEJO, ET AL.
vs THE HEIRS OF CLARITA D. MARTIN, ET
AL.

G.R. No. 164858 - HENRY P. LANOT vs

COMMISSION ON ELECTIONS

G.R. No. 165724 - ZAMORA REALTY and

DEVELOPMENT CORPORATION, ET AL. vs
OFFICE OF THE PRESIDENT OF THE
PHILIPPINES, ET AL.

G.R. No. 165879 - MARIA B. CHING vs

JOSEPH C. GOYANKO, JR., ET AL.

G.R. No. 166403 - BENZON O. ALDEMITA

vs HEIRS OF MELQUIADES SILVA

G.R. NOS. 166143-47 and G.R. NO.

166891 - ABDUSAKUR M. TAN, ET AL. vs
COMMISSION ON ELECTIONS, ET AL.

G.R. No. 166496 - JOSEFA BAUTISTA

FERRER vs SPS. MANUEL M. FERRER, ET AL.

G.R. No. 166501 - ERNESTO B.

FRANCISCO, JR. vs HON. BAYANI F.
FERNANDO

G.R. No. 166649 - ROBERT B. CABUYOC

vs INTER-ORIENT NAVIGATION
SHIPMANAGEMENT, INC., ET AL.

G.R. No. 166833 - FELIXBERTO CUBERO,

ET AL. vs LAGUNA WEST MULTI-PURPOSE
COOPERATIVE, INC., ET AL.

G.R. No. 166837 - LIGAYA S. ORBETA vs

RUBEN P. ORBETA, ET AL.

G.R. No. 167680 - SAMUEL PARILLA, ET

AL. vs DR. PROSPERO PILAR

G.R. No. 167723 - CLUB FILIPINO, INC.

vs ROMEO ARAULLO

G.R. No. 167743 - HILARIO P. SORIANO

vs OMBUDSMAN SIMEON V. MARCELO, ET
AL.

G.R. No. 167844 - OFFICE OF THE

OMBUDSMAN vs COURT OF APPEALS, ET AL.

G.R. No. 168035 - MELANIE M. MESINA,

ET AL. vs GLORIA C. GARCIA

G.R. No. 168718 - OFFICE OF THE

OMBUDSMAN vs FARIDA T. LUCERO, ET AL.

G.R. No. 168694 - THE PEOPLE OF THE

PHILIPPINES vs SAIDAMIN MACABALANG y
MALAMAMA

G.R. No. 169193 - SPOUSES ILUMINADA

CAPITLE and CIRILO CAPITLE vs
FORTUNATA ELBAMBUENA, ET AL.

G.R. NOS. 169295-96 - REMINGTON

INDUSTRIAL SALES CORPORATION vs
ERLINDA CASTANEDA
 G.R. No. 169341 - City of Cebu v. Vicente
B. Del Rosario

G.R. No. 169578 - TERESITA DIO vs ST.

FERDINAND MEMORIAL PARK, INC., ET AL.

G.R. No. 169698 - LUPO ATIENZA vs

YOLANDA DE CASTRO

G.R. No. 169891 - PHILIPPINE NATIONAL

RAILWAYS vs ETHEL BRUNTY, ET AL.

G.R. No. 170220 - JOSEFINA S. LUBRICA,

ET AL. vs LAND BANK OF THE PHILIPPINES

G.R. No. 170522 - CELSO LOPEZ OCATE

vs COMMISSION ON ELECTIONS, ET AL.

G.R. No. 170829 - Perla G. Patricio v.

Marcelino G. Dario III, et al.

G.R. No. 171102 - ATP TECHNOLOGIES

INTERNATIONAL, INC. vs MICRON
PRECISION PHILS., INC.

G.R. No. 170840 - THE PEOPLE OF THE

PHILIPPINES vs GREGORIO CARPIO @
"GORIO"

G.R. No. 171144 - SANTOS L.

NACAYTUNA vs PEOPLE OF THE
PHILIPPINES

G.R. NOS. 171322-24 - MARIANITO S.

VICTORIANO vs PEOPLE OF THE
PHILIPPINES

G.R. No. 172274 - ROMEO D. CABARLO vs

PEOPLE OF THE PHILIPPINES

G. R. No. 171447 - PEOPLE OF THE

PHILIPPINES vs FEDERICO ARNAIZ y
ARMONIO

G.R. No. 173290 - ZENAIDA M. LIMBONA

vs JUDGE RALPH S. LEE, ET AL.

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