Medida vs CA

GRAND FARMS, INC. and PHILIPPINE SHARES CORPORATION, petitioners, vs. COURT OF APPEALS, UDGE ADRIAN R. OSORIO, as Presidin! "d!e o# t$e Re!iona% Tria% Co"rt, &ran'$ ()(, *a%en+"e%a, Metro Mani%a ESPERAN-A ECHI*ERRI, as C%er o# Co"rt / E01O2'io S$eri3 o# t$e Re!iona% Tria% Co"rt o# *a%en+"e%a, Metro Mani%a SERGIO CA&RERA, as Dep"t4 S$eri31in1C$ar!e and &ANCO FILIPINO SA*INGS AND MORTGAGE &AN5, respondents. Fa'ts6 Petitioner Grand Farms Farms Inc. fled an annulment and/or declaration o nullity o the extrajudicial oreclosure proceedings over their mortgaged properties, with damages in !" #alen$uela, #alen$uela, %% against respondents cler& o court, deputy sheri' and P (anco Filipino )avings and %ortgage (an& eason* no #or7a% noti'e o# intention to #ore'%ose t$e rea% estate 7ort!a!e 8as sent 94 private respondent to petitioners. P +thorugh its deputy liuidator- responded and said petitioners 8ere :noti;ed o# t$e a"'tion sa%e 94 t$e postin! o# noti'es and t$e p"9%i'ation o# noti'e in t$e Metropo%itan Ne8s8ee , a newspaper o general circulation in the province where the suject properties are located and in the Philippines on Feruary 0, 12 and 13, 433.5 (ecause o alleged implied admission y P  Petitioners fled a motion or summary judgment contending that the oreclosure was violative o the provisions o the mortgage contract  specifcally paragraph +&

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&A%% 'orresponden'e re%ative to t$is Mort!a!e, Mort!a!e , including demand letters, summons, supoena or notifcations o any judicial or extrajudical actions shall e sent to t$e Mort!a!or at t$e address !iven a9ove or a9ove or at t$e address t$at 7a4 $erea#ter 9e !iven in 8ritin! 94 t$e Mort!a!or to t$e Mort!a!ee, Mort!a!ee , and the 7ere a't o# sendin! an4 'orresponden'e 94 7ai% or 94 persona% de%iver4 to t$e said address s$a%% 9e va%id and e3e'tive noti'e to t$e Mort!a!or #or a%% %e!a% p"rposes, p"rposes , and the act that any communication is not actually received y the %ortgagor, or that it has een returned unclaimed to the %ortgagee, or that no person was ound at the address given, or that the address is fctitious, or cannot e located, shall not excuse or relieve the %ortgagor rom the e'ects o such notice6 P opposed the motion  argued that petitioners< re%ian'e on said para!rap$ => o# t$e 7ort!a!e 'ontra't #ai%s to 'onsider para!rap$s =9> and =d> o# t$e sa7e 'ontra't, 'ontra't , which respectively provide as ollows* 

. . . For the p"rpose o# e0tra1?"di'ia% #ore'%os"re, #ore'%os"re , the Mort!a!or =p%ainti3> $ere94 appoints t$e Mort!a!ee =&F> $is attorne41in1#a't to se%% t$e propert4 7ort!a!ed, 7ort!a!ed , to si!n a%% do'"7ents and do'"7ents and per#or7 an4 a't re@"isite and ne'essar4 to

a''o7p%is$ said p"rpose and p"rpose and to appoint its s"9stit"tes as s"'$ attorne41in1#a't, with attorne41in1#a't, with the same powers as aove7specifed. !he %ortgagor herey expressly expressly waives the term o thirty +02- days or any other term granted or which may hereater e granted him y law as the period which must elapse eore the %ortgagee shall e entitled to oreclose this mortgage, it eing specifcally understood and agreed that the said %ortgagee may oreclose this mortgage at any time ater the reach o any conditions hereo. hereo. . . . dE3e'tive "pon t$e 9rea'$ o# an4 'onditions o# t$e 7ort!a!e and in addition to t$e re7edies $erein stip"%ated, stip"%ated , the %ortgagee is herey li &ewise appointed attorne41in1#a't o# t$e Mort!a!or 8it$ #"%% po8ers and a"t$orit4, a"t$orit4 , with the use o orce, i necessary, to tae a't"a% possession o# t$e 7ort!a!ed propert4, propert4, 8it$o"t t$e ne'essit4 #or an4 ?"di'ia% order or order  or any permission o power to collect rents, to eject tenants, to lease or sell the mortgaged property, or any part thereo, at pulic or private sale without previous notice or adverstisement o any &ind and execute the corresponding ills o  sale, lease or other agreement that may e deemed convenient, to ma&e repairs or improvement to the mortgaged property and pay or the same and perorm any other act which the %ortgagor may deem convenient . . . !"* !"* denied petitioner8s motion or summary judgment 79 genuine and sustantial issues exist which reuire the presentation o evidence during the trial, to wit* +a- whether or not the loan has matured6 +- whether or not private respondent notifed petitioners o the oreclosure o their mortgage6 +c- whether or not the notice y pulication o the oreclosure constitutes su:cient notice to petitioners under the mortgage contract6 +d- whether or not the applicant or oreclosure o the mortgage was a duly authori$ed representative o private respondent6 and +e- whether or not the oreclosure was enjoined y a resolution o this "ourt. Petitioners fled petition or certiorari  orders o denial as having een issued with grave ause o discretion 8$en it dis7issed t$e petition, petition , holding that no persona% noti'e 8as re@"ired to #ore'%ose sin'e private respondent 8as 'onstit"ted 94 petitioners as t$eir attorne41in1#a't to se%% t$e 7ort!a!ed propert4. propert4 . ;hen it held that para!rap$ => o# t$e 7ort!a!e 'ontra't 7ere%4 spe'i;ed t$e address 8$ere 'orresponden'e s$o"%d 9e sent and sent and did not i7pose an additiona% 'ondition on t$e part o# private respondent to noti#4 petitioners persona%%4 o# t$e #ore'%os"re. #ore'%os"re. 

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; and TEOTIMO A&ELLANA, petitioners, vs. COURT OF APPEALS and SPS. ANDRES DOLINO and PASCUALA DOLINO, respondents. Gines N. Abellana for petitioners. Dionisio U. lores for private respon!ents.

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)pouses Dolino +private respondents- mortgaged their lot o the "eu "ity "adastre to "eu "ity Development an&  oreclosed  Gandioncho ought it in a oreclosure sale Plainti spouses, alarmed o losing their right o redemption, went to @ellana +president o "eu "ity )avings and Eoan @ssociation- to o9tain a %oan o# P  Prior to this, their son Do%ino ;%ed a si7i%ar %oan app%i'ation #or P  and o'ered the s"9?e't %ot as se'"rit4 or the P02& loan rom "")E@ 

1 +2-@ll correspondence relative to this mortgage, including demand letters, summons, supoenas, or noti;'ations o# an4 ?"di'ia% or e0tra?"di'ia% a'tions s$a%% 9e sent to t$e Mort!a!or at t$e address !iven a9ove  or at t$e address t$at 7a4 $erea#ter 9e !iven in 8ritin! 94 t$e Mort!a!or to t$e Mort!a!ee , and the mere act o sending any correspondence y mail or y personal delivery to the said address shall e valid and e'ective notice to the %ortgagor or all legal purposes,

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(oth documents indicated that the principal oligation is or the P02& pesos payale in  year with 1 per annum interest ;hen the loan ecame due and demandale +)pouses ailed to pay"")E@ extrajudicially oreclosed the mortgage. @ter the posting and pulication reuirements were complied with  the %and 8as so%d at p"9%i' a"'tion  to "")E@ +eing the highest idder !he 'erti;'ate o# 8as iss"ed t$e da4 a#ter  and re!istered on %ay 2 4CB with the egister o Deeds o "eu