Title
Saludo, Jr. vs. American Express International, Inc.
Case
G.R. No. 159507
Decision Date
Apr 19, 2006
A congressman sued AMEX for wrongful credit card dishonor, claiming Southern Leyte residency. SC ruled venue proper, affirming residency for venue purposes.

Case Summary (G.R. No. 159507)

Key Dates

• April 2000 – First and second wrongful‐dishonor incidents of Saludo’s credit cards
• July 20, 2000 – Cancellation of petitioner’s AMEX account
• September 10, 2001 & January 2, 2002 – RTC orders denying respondents’ affirmative defenses, including improper venue
• May 22, 2003 – CA decision granting certiorari, holding venue improperly laid and enjoining further proceedings
• August 14, 2003 – CA resolution denying Saludo’s motion for reconsideration
• April 19, 2006 – Supreme Court decision

Applicable Law

• 1987 Philippine Constitution, Article VI, Section 6 (residency requirement for Members of the House)
• Rules of Court, Rule 4, Section 2 (venue of personal actions)
• Local Government Code of 1991 (R.A. No. 7160), Section 160 (community tax certificate)
• Rules of Court, Rule 7, Section 4 (verification of pleadings)
• Rules of Court, Rule 129, Sections 1–2 (judicial notice)

Factual and Procedural Background

Saludo sued AMEX and its officers before the RTC of Maasin City for damages arising from two occasions when his principal and his daughter’s supplementary credit cards were dishonored abroad. He alleged residence in Ichon, Macrohon, Southern Leyte. Respondents denied liability, raised lack of cause of action, and asserted improper venue, arguing that no party resided in Southern Leyte. They pointed to Saludo’s community tax certificate (CTC) and law office in Pasay City as proof of his residency there. The RTC denied respondents’ motions and held Saludo’s status as a congressman established his residence in Southern Leyte. The CA granted respondents’ petition for certiorari, ruled venue improper, and enjoined further RTC proceedings except to dismiss the case.

Issue

Whether venue was improperly laid in the RTC of Maasin City because petitioner Saludo was not a resident of Southern Leyte at the time he filed his complaint.

Supreme Court Analysis

  1. Venue Rule for Personal Actions
    – Under Rule 4, Section 2 of the Rules of Court, a personal action “may be commenced and tried where the plaintiff … resides … at the election of the plaintiff.” The choice lies with the plaintiff but is confined to the place where he actually resides.

  2. Meaning of “Resides”
    – “Resides” for venue purposes means a party’s actual, physical habitation or place of abode, whether permanent or temporary. It differs from “domicile,” which denotes a permanent home with intent to remain indefinitely.

  3. Residency in Election Law vs. Venue
    – For election law under the 1987 Constitution, residency is synonymous with domicile. To qualify as a district’s representative, Saludo must have had both physical presence and intent to remain in Southern Leyte.
    – Having satisfied the constitutional residency requirement for election and having personal presence and conduct indicative of residence in Southern Leyte, Saludo necessarily had his abode there for purposes of venue.

  4. Community Tax Certificate and Law Office Location
    – The CA’s reliance on Saludo’s CTC issued in Pasay City and the location of his law office was insufficient to overcome his established residence in Southern Leyte. A person may have multiple residences; one CTC does not negate another abode.

  5. Judicia

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