Title
Security Bank and Trust Co. vs. Court of Appeals
Case
G.R. No. 117009
Decision Date
Oct 11, 1995
Contractor Ferrer incurred P300K extra costs due to material price hikes; SBTC refused payment. Courts ruled SBTC liable for unjust enrichment, affirming Ferrer's claim with modified attorney's fees.
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Case Summary (G.R. No. 117009)

Contract Terms (Article IX)

The written contract (dated 4 February 1980) provided that the contractor would finish within two hundred working days and contained Article IX, which states: “If at any time prior to the completion of the work to be performed hereunder, increase in prices of construction materials and/or labor shall supervene through no fault on the part of the contractor whatsoever or any act of the government and its instrumentalities which directly or indirectly affects the increase of the cost of the project, OWNER shall equitably make the appropriate adjustment on mutual agreement of both parties.”

Performance and Additional Expenses

Respondent Ferrer completed the work on 15 August 1980. Due to a drastic increase in the cost of construction materials and labor, Ferrer incurred additional expenses of about P300,000.00 beyond the original contract price. He informed SBTC of these increases as early as March 1980 through SBTC officers (Vice-President Fely Sebastian and Supervising Architect Rudy de la Rama) and made timely demands for payment, supported by receipts, invoices, payrolls and other corroborating documents.

Verification, Recommendation and SBTC’s Position

In March 1981 SBTC, through Assistant Vice-President Susan Guanio and a representative of an architectural firm consulted by SBTC, verified Ferrer’s claims for additional cost. A recommendation was made to settle Ferrer’s claim for P200,000.00. SBTC, however, denied ever authorizing payment beyond the original contract price and denied liability, relying on Article IX’s requirement that any adjustment be made “on mutual agreement of both parties,” and asserting that no such mutual agreement existed.

Trial Court Judgment

Ferrer filed a complaint for breach of contract with damages. The Regional Trial Court, Branch 63, Makati, ruled in favor of Ferrer and ordered SBTC and Rosito C. Manhit to pay: (a) P259,417.23 for the increase in price of labor and materials plus 12% interest per annum from 15 August 1980 until fully paid; (b) P24,000.00 as actual damages; (c) P20,000.00 as moral damages; (d) P20,000.00 as exemplary damages; (e) attorney’s fees equivalent to 25% of the principal amount due; and (f) costs of suit.

Court of Appeals and Issues on Review

The Court of Appeals affirmed the trial court decision. Petitioners sought review under Rule 45, assigning errors including: that the Court of Appeals erred in holding that Ferrer proved his claim by preponderance of evidence; that the lower courts misinterpreted the unambiguous contract provision (Article IX); and that the courts disregarded the contract’s express condition, thereby violating petitioners’ constitutional guaranty against impairment of contract obligations (invoking the non-impairment clause under the 1987 Constitution).

Supreme Court’s Procedural Observation

On review, the Supreme Court noted that counsel for respondent filed pleadings that largely repeated portions of the Court of Appeals decision and lacked substantive discussion of the merits. Observing the inadequate advocacy, the Court undertook a full review of the record to evaluate the legal and factual issues presented.

Application of Civil Code Principles — Article 22 and Unjust Enrichment

The Supreme Court applied Article 22 of the Civil Code (Nemo ex alterius incommodo debet lecupletari), stressing that a person who acquires at another’s expense without just or legal ground must return the same. The Court found that SBTC derived benefit when Ferrer completed the building despite increased costs. Given Ferrer’s proof (receipts, invoices and related documents) and SBTC’s verification and recommended settlement, allowing SBTC to retain the building without paying the increased cost would amount to unjust enrichment contrary to Article 22.

Conditional Obligation Analysis — Article 1182

The Court analyzed the contract condition requiring “mutual agreement” for any adjustment and invoked Article 1182 of the Civil Code: “a conditional obligation shall be void if its fulfillment depends upon the sole will of the debtor.” The Court concluded that the mutual-agreement condition, insofar as SBTC could withhold assent unilaterally, effectively made the condition depend on the bank’s

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