Title
Rizal Commercial Banking Corp. vs. Intermediate Appellate Court
Case
G.R. No. 74851
Decision Date
Sep 14, 1992
BF Homes filed for rehabilitation, suspending RCBC's foreclosure. Despite SEC's TRO, RCBC proceeded with auction, leading to legal battles. SC ruled SEC had exclusive jurisdiction, nullified RCBC's titles, and upheld equal creditor treatment during rehabilitation.

Case Summary (G.R. No. 74851)

Applicable Law

The case is governed by the provisions of the 1987 Philippine Constitution as it was decided after 1990. The primary statute referenced is Presidential Decree No. 902-A, which outlines the SEC's powers regarding rehabilitation and suspension of payments of distressed corporations.

Facts of the Case

On September 28, 1984, BF Homes filed a petition for rehabilitation with the SEC, listing RCBC as a creditor. Shortly thereafter, on October 26, 1984, RCBC initiated an extrajudicial foreclosure of its mortgage on BF Homes' properties. A notice of auction was issued, but a temporary restraining order (TRO) was granted by the SEC on November 28, 1984, to halt proceedings. Despite the SEC’s intervention, the auction sale occurred on January 29, 1985, resulting in RCBC being the highest bidder.

Trial Court and Intermediate Appellate Court Proceedings

Subsequently, BF Homes filed a motion to annul the auction sale in SEC proceedings, and RCBC sought a mandamus in the Regional Trial Court to compel the sheriff to issue a certificate of sale. The trial court favored RCBC, leading to BF Homes’ appeal to the Intermediate Appellate Court (IAC), which annulled the trial court's decision on April 8, 1986, asserting that the SEC holds exclusive jurisdiction over the rehabilitation matter.

Issues on Appeal

RCBC challenged the IAC's decision on grounds including that BF Homes should not have been considered an indispensable party to the mandamus case, that the SEC's jurisdiction was improperly invoked to suspend the trial court's ruling, and that the trial court had rightful authority to handle the matter.

SEC Resolutions

On October 16, 1986, the SEC denied BF Homes’ motion to annul the auction and indicate contempt against RCBC and the sheriff. This resolution, although significant, did not resolve the legal question of the validity of the auction sale under the context of ongoing SEC rehabilitation proceedings.

Court Ruling

The Supreme Court dismissed the petition from RCBC and affirmed the IAC's decision with modifications. The Court held that RCBC and the Pasay City Register of Deeds acted in contempt for proceeding with the registration of the property titles despi

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