Title
Philippine National Bank vs. Court of Appeals
Case
G.R. No. 122710
Decision Date
Oct 12, 2001
Remington sued MMIC for unpaid goods; PNB foreclosed MMIC's assets. SC ruled PNB not liable, upholding foreclosure rights and separate corporate identities.

Case Summary (G.R. No. 231765)

Applicable Law

This case is governed by the 1987 Philippine Constitution and pertinent provisions of the Civil Code concerning obligations and contracts, particularly relating to the issue of corporate identities and liability.

Background of the Case

Remington Industrial Sales Corporation initiated a complaint against MMIC for unpaid purchases of construction materials valued at P921,755.95, along with accrued interest and attorney's fees. The trial saw PNB and another bank included as co-defendants due to their foreclosure actions on MMIC’s mortgaged properties. The complex nature of corporate entities and claims made in the complaints led to extensive litigation.

Amendments and Counterclaims

The proceedings involved multiple amended complaints that introduced additional defendants and raised complex issues regarding corporate structure and the alleged attempt to evade payment obligations. The plaintiff contended that the defendants should be treated as a single entity due to their interconnectedness and management.

Foreclosure and Ownership

On August 31, 1984, PNB foreclosed on the real and personal property of MMIC, which included items in the possession of MMIC that had been purchased from Remington. Despite the foreclosure, the Court ruled that the goods at issue had already been legally transferred to MMIC upon delivery, meaning ownership had passed and MMIC was the rightful owner at the time of the foreclosure.

Court's Findings on Liability

The Court asserted that simply including the unpaid goods in the foreclosure proceedings did not create any liability on the part of PNB to pay Remington for those goods, as the obligation to pay remained exclusively with MMIC. The notion that including the goods in the foreclosure could create an obligation for PNB was dismissed, highlighting that Remington’s remedy, if any, lay solely against MMIC.

Judgment

Ultimately, the Court decided to reverse the ruling of the Court of Appeals, dismissing the complaint filed by Remington against PNB and the Development Bank of the Philippines. This ruling emphasized the principle that ownership of goods upon deliver

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