Title
Cosio vs. Palileo
Case
G.R. No. L-18452
Decision Date
May 31, 1965
A dispute over a house's ownership arose after a fire, with courts ruling the transaction was a mortgage, not a sale, and ordering reimbursement for repairs.

Case Summary (G.R. No. L-18452)

Applicable Law

The case was decided in 1965; thus, the 1935 Philippine Constitution applies. Relevant legal provisions cited include Articles 526, 546, 549, and 449 of the Civil Code.

Background of the Dispute

Respondent Cherie Palileo purchased the house and leasehold right but mortgaged it to secure the balance of the purchase price. Upon default, the mortgage was foreclosed but Palileo was able to raise funds to execute a "conditional sale" of the house to petitioner Beatriz Cosio de Rama with a right to repurchase within a year. Palileo remained as a tenant paying monthly rent under this agreement. Petitioner Cosio de Rama insured the house, which was partially destroyed by fire in 1952. Petitioner Augusto Cosio entered the premises at Beatriz’s instigation to commence repairs costing P12,000.

Origin of Litigation

Respondent Palileo filed an action for reformation of the deed of pacto de retro sale into a loan with an equitable mortgage, effectively challenging the conditional sale’s authenticity. She also filed an ejectment suit against Augusto Cosio, which was dismissed with no prejudice after an appeal. This reformation case was successful in the Court of First Instance and affirmed by this Court, which held that the transaction was a loan secured by an equitable mortgage, not a sale with a right of repurchase.

Issue of Possession and its Effects

The present action seeks possession of the house following the declaration that the "sale" was actually a mortgage. Petitioners argued they were possessors in good faith and entitled to retain possession, including claim for reimbursement for repair expenses. The trial court ruled petitioners were possessors in good faith and granted possession to Palileo conditioned on reimbursing Cosio de Rama’s expenses.

Court of Appeals Decision

The Court of Appeals modified this decision, declaring that by virtue of the pacto de retro sale, petitioner Cosio de Rama became the temporary owner and possessor but became a possessor in bad faith upon Palileo’s filing of ejectment and reformation suits in December 1952. Consequently, petitioners were ordered to pay monthly rental during their occupancy and denied reimbursement of repair expenses.

Petitioners' Arguments on Appeal

They invoked Article 526 of the Civil Code, contending they remained in good faith because the Court’s reformation did not invalidate but only corrected the instrument to reflect real intentions. They argued the dismissed ejectment case did not put them on notice of title defect to convert their possession to bad faith.

Supreme Court Analysis on Possession Character

The Court held that petitioners never had a legal right of possession under the conditional sale since it was only a security mortgage. Upon reformation, they knew their status as mortgagees, negating good faith possession. Mistake concerning the contract’s nature was not tenable as the Court's reformation made clear the parties’ true agreement from the beginning. Consequently, petitioners were possessors in bad faith from the outset of occupying the property post-conditional sale.

Liability for Rent and Reimbursement for Repairs

As possessors in bad faith, petitioners are jointly liable to pay reasonable rent at P300 per month as affirmed by the appellate court (Civil Code, Article 549). However, the Supreme Court distinguished that petitioners were not "builders in bad faith" but merely made necessary repairs after fire damage. Under Article 546, necessary expenses must be reimbursed to possessors regardless of good or bad faith. Application of Article 449 (which denies indemnity for bad faith builders) was deemed inapplicable because the repairs restored the existing structure rather than new construction or accession on another’s land. Petitioners were thus ent

...continue reading

Analyze Cases Smarter, Faster
Jur is a legal research platform serving the Philippines with case digests and jurisprudence resources. AI digests are study aids only—use responsibly.