Title
Supreme Court
Philippine American Life and General Insurance Company vs. Enario
Case
G.R. No. 182075
Decision Date
Sep 15, 2010
Philamlife sued ex-agent Enario for unpaid P1.2M debt. RTC declared him in default for repeated no-shows; SC upheld ruling, stressing pre-trial importance and due process compliance.

Case Summary (G.R. No. 182075)

Background of the Case

Joseph Enario was appointed as an agent for Philamlife on November 12, 1991. During his employment, he also served as a unit manager and received override commissions. His contractual arrangement included privileges such as cash advances, which he was obligated to settle upon his resignation in February 2000. Following his resignation, Philamlife claimed Enario had an outstanding debit balance of P1,237,336.20, which led to a series of demands for payment.

Judicial Proceedings Initiated by Philamlife

On June 22, 2001, after failing to reach a resolution concerning the outstanding balance, Philamlife filed a complaint for collection against Enario. The respondent denied the allegations, claiming that records had yet to be reconciled, and counterclaimed for damages.

Pre-Trial Developments

The Regional Trial Court (RTC) scheduled the pre-trial conference and directed both parties to submit pre-trial briefs. Enario requested postponements for various reasons, but he ultimately failed to appear on several occasions, including the pre-trial on June 3, 2003. Subsequently, the RTC declared him in default at the request of Philamlife, allowing the latter to present evidence ex parte.

Decisions of the RTC

The RTC issued a judgment on February 24, 2004, ordering Enario to pay Philamlife P1,122,781.66 along with attorney's fees and costs of suit. This decision stemmed from Enario's failure to present his case or evidence following his default status.

Appeal and Ruling by the Court of Appeals

Enario challenged the RTC's ruling by filing a petition for certiorari with the Court of Appeals. On September 28, 2007, the appellate court reversed the lower court's judgment, indicating that Enario's absence did not constitute a refusal to comply with court orders and consequently vacating the default declaration.

Legal Interpretations of Default and Pre-Trial

The Core issue presented was the RTC's interpretation of Section 5 of Rule 18 of the Rules of Court, which states that a defendant's failure to appear at pre-trial does not automatically result in a default declaration. In addressing Philamlife's argument, the Court of Appeals reiterated the procedural implications of such non-appearance, emphasizing the allowance for ex parte evidence presentation instead of declaring the defendant in default.

Court's Position on Postponement and Due Process

Philamlife contended that Enario's multiple requests for postponement reflected a lack of diligence, arguing that his non-appearance was an indication of obstinate refusal. The appellate court dismissed these claims, maintaining that procedural due process was upheld as Enario had multiple op

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