Title
Spouses BeNo.vs. Spouses Lawilao
Case
G.R. No. 172259
Decision Date
Dec 5, 2006
Benos spouses rescinded Pacto de Retro Sale after Lawilao spouses failed to pay bank loan; Supreme Court ruled in favor of Benos, ordering return of P150,000.

Case Summary (G.R. No. 172259)

Applicable Law

The relevant legal framework applied in this case includes the provisions of the Civil Code of the Philippines, particularly Articles 1191 and 1592, which address mutual obligations in contracts and stipulations regarding rescission in sales of immovable property.

Background of the Case

On February 11, 1999, the Benos spouses entered into a Pacto de Retro Sale with the Lawilao spouses, selling their property for Php 300,000, with specific terms enabling the Benos to redeem the property within 18 months. The Lawilao spouses partially paid the selling price but failed to satisfy the bank loan on the property, which led to disputes regarding ownership and the validity of the contract.

Municipal Circuit Trial Court Decision

The Municipal Circuit Trial Court of Bauko initially found in favor of the Benos spouses, dismissing the Lawilao spouses’ petition for consolidation of ownership. The trial court concluded that the Lawilao spouses had no sufficient legal basis for their claim, as they did not comply with the terms of the Pacto de Retro Sale.

Regional Trial Court Appeal

The Lawilao spouses appealed the dismissal to the Regional Trial Court, which reversed the Municipal Circuit Trial Court's decision. This court ruled in favor of the Lawilao spouses, resolving that ownership rights should be consolidated under their name despite the Benos spouses' arguments related to non-payment of the bank loan.

Court of Appeals Findings

The Court of Appeals affirmed the Regional Trial Court's ruling, holding that the Pacto de Retro Sale was valid and effective, as the essential conditions for the sale had been met. The appellate court noted that the Lawilao spouses had taken possession of the property and attempted compliance by offering to pay the loan, even though it did not fully qualify as proper tender of payment.

Issues Presented

The pivotal issue was whether the Lawilao spouses could consolidate ownership of the property based on the existing contract. The Benos spouses contended that the contract amounted to an equitable mortgage and highlighted failure to comply with significant obligations.

Supreme Court Ruling

The Supreme Court ruled in favor of the Benos spouses, vacating the decisions of both the Regional Trial Court and the Court of Appeals. It determined that valid tender of payment and consignation had not occurred, primarily noting that the Lawilao spouses failed to properly notify the Benos spouses in their attempts to pay the balance owed under the contract.

Analysis of Tender and Consignation

The Court underscored the essential nature of adhering to the legal requirements of tender and consignation as means to effectuate payment in obligations. The failure of the Lawilao spouses to notify the Benos spouses, coupled with a lack of valid tender, constituted a breach that entitled the Benos spouses to rescind the contract under

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