Title
De Agbayani vs. Philippine National Bank
Case
G.R. No. L-23127
Decision Date
Apr 29, 1971
Plaintiff challenged PNB's foreclosure, claiming mortgage prescription. SC ruled prescriptive period tolled during moratorium, applying operative fact doctrine; upheld PNB's right to foreclose.
A

Case Summary (G.R. No. L-23127)

Legal Issue

Whether the trial court erred in refusing to count the period during which Executive Order No. 32 and Republic Act No. 342 were in force in computing prescription, given that those measures were later declared unconstitutional, and whether the doctrine concerning the legal consequences of a statute that was operative before being adjudged void applies to tolling of prescription.

Governing Doctrine on Statutes Later Declared Unconstitutional

Two competing principles are central. One traditional view (quoted from Justice Field via Norton v. Shelby County) treats an unconstitutional act as if it never were — conferring no rights and imposing no duties. The opposing, modernly accepted doctrine recognizes that although a statute later declared unconstitutional loses its character as a juridical norm, its prior existence and operation are operative facts with legal consequences that cannot always be ignored. The Court cites Chicot County Drainage Dist. v. Baxter State Bank and Philippine precedents to support the principle that acts validly in force prior to judicial invalidation may affect private and official relations and thus must be taken into account in later adjudication.

Application of the Doctrine to Police-Power Moratoria

When legislation is enacted under the police power to address an emergency and to promote public welfare, courts apply a reasonableness (rational basis) test. A moratorium like Executive Order No. 32 and Republic Act No. 342, designed to suspend enforcement of debts of war sufferers, was initially a plausible and constitutionally tolerable response to the postwar emergency. That initial validity—and the consequences that flowed while the measures were in force—must be respected even if, at a later date and on changed circumstances, the statute is declared invalid because it no longer satisfies the rational basis or otherwise impairs contractual obligations unreasonably.

Precedents and Consistent Practice Tolling Prescription

This Court had repeatedly held that while Executive Order No. 32 and Republic Act No. 342 were in force they tolled prescription. From Day v. Court of First Instance (1954) through a series of subsequent decisions, the Court consistently concluded that prescription did not run during the moratorium. The decision in Rutter v. Esteban (1953) later declared the moratorium invalid as of the time of that adjudication, but the Court recognized that the moratorium's prior operation nonetheless had legal consequences—specifically, that prescriptive periods were tolled while it was in effect.

Analysis Applied to the Present Case

The loan matured July 19, 1944. Extra-judicial foreclosure commenced July 13, 1959 — nearly fifteen years later. The bank argued that the period from March 10, 1945 (effectivity of Executive Order No. 32) until July 26, 1948 (enactment date of the moratorium statute later declared invalid) and ultimately until May 18, 1953 (date of judicial invalidation in Rutter) should b

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