Title
Banco de Oro-EPCI, Inc. vs. JAPRL Development Corporation
Case
G.R. No. 179901
Decision Date
Apr 14, 2008
BDO sued JAPRL for loan default due to falsified financials; CA dismissed for defective summons, but SC ruled service valid, jurisdiction established, and allowed case against sureties despite rehabilitation.

Case Summary (G.R. No. 200465)

Background of Financial Transactions

On March 28, 2003, Banco de Oro-EPCI, Inc. granted credit facilities to JAPRL Development Corporation amounting to P230,000,000, based on the evaluation of its financial statements from 1998 to 2000. Despite their apparent financial strength, JAPRL soon defaulted on several trust receipts. Subsequent investigations revealed that JAPRL had allegedly inflated its sales revenues to misrepresent its financial viability.

Rehabilitation Proceedings

On August 30, 2003, JAPRL and its subsidiary filed a petition for rehabilitation in the Regional Trial Court (RTC) of Quezon City, claiming a decline in sales and significant losses prior to the petition. A stay order was issued, protecting JAPRL from creditors while the rehabilitation process was ongoing. However, the proposed rehabilitation plan was ultimately rejected by the RTC in a ruling issued on May 9, 2005.

Legal Actions and Jurisdiction Issues

In response to JAPRL's default, Banco de Oro filed a civil complaint seeking payment and a writ of preliminary attachment against the respondents on August 21, 2003. The Makati RTC denied the attachment due to lack of merit, although it permitted service of summons upon respondents. Respondents contested the service, arguing that it had not been properly delivered according to procedural norms.

Court’s Finding on Service of Summons

The Makati RTC determined that service on an administrative assistant was acceptable within the ordinary business practice, thereby allowing jurisdiction over the corporate entities involved. However, respondents later contested this jurisdiction, claiming improper service and subsequently moved to suspend proceedings based on rehabilitation orders from the Calamba RTC.

Appeal and Higher Court Decisions

Respondents filed a petition for certiorari in the Court of Appeals asserting the Makati RTC lacked jurisdiction due to defective service of summons. The appellate court sided with the respondents, concluding that the summoning procedure was not followed correctly, which ultimately led to a lack of jurisdiction by the RTC. Banco de Oro's motion for reconsideration was denied.

Supreme Court's Ruling

Upon review, the Supreme Court concluded that respondents had effectively evaded valid service of summons to obstruct proceedings. The Court reasoned that their withdrawal of the motion for reconsideration rendered the RTC order final, and their subsequent actions indicated a submission to the court's jurisdiction regardless of the alleged defect in the service of summons.

Implications for Civil Case No. 03-991

The Supreme Court ordered the Makati RTC to expedite proceedings in Civil Case No. 03-991. The Court ruled that allegations of fraud raised serious questions concerning the financial representations made by JAPRL, which could impact the ongoing rehabilitation process and lead to an immediate demand for payment from the responden

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