Spouses Deo Agner and Maricon Agner v. Bpi Family Savings Bank Inc. Gr No. 182963

SPOUSES DEO AGNER AND MARICON AGNER V. BPI FAMILY SAVINGS BANK  INC.

GR NO. 182963 JUNE 3, 2013

 TOPIC: ON PAYMENT: One who pe!"# p!$%en& h!# &he '()"en o* p)o+n- & &he '()"en )e#&# on "e*en"!n& &o p)o+e p!$%en&, )!&he) &h!n on &he p!n&/ &o p)o+e non p!$%en&. hen &he )e"&o) # n po##e##on o* &he "o(%en& o* )e"&, p)oo* o*  nonp!$%en& # no& nee"e" *o) & # p)e#(%e". ON INTERE INTERET T:: &p( &p(!&e !&e" " n&e) n&e)e#& e#& o* 3 4 pe) %on&h %on&h !n" h-he) h-he) !)e !)e e5e# e5e##+ #+e, e, n(&o(#, (non#on!'e, !n" e5o)'&!n&. e5o)'&!n&. ON 7EMAN7: 7EMAN7: A)&e A)&e 1169 1169 o* o* &he NCC NCC p)o+"e p)o+"e# # &h!& one one n()# n()# n "e!$ "e!$ o) o) # n "e*!(& *)o% &he &%e &he o'-o) "e%!n"# &he *(%en& o* &he o'-!&on *)o% &he o'-ee. owe+e), &he !w e5p)e##$ p)o+"e# &h!& "e%!n" # no& nee##!)$ (n"e) e)& e)&! !n n ) )(%# (%#&! &!n ne# e#,, !n" one one o* &he# &he#e e ) )(%# (%#&! &!n ne# e# # when when &he &he p!)& p!)&e e# # e5p)e##$ w!+e "e%!n". ACT: po(#e# A-ne) o'&!ne" ! 800 ; o!n *)o% CITIMOTOR. CITIMOTOR. po(#e# e5e(&e" e5e(&e" ! p)o% p)o%##o ##o)$ )$ no&e no&e w&h w&h h!&&e h!&&e %o)&-!%o)&-!-e e o+e) o+e) ! M&#(' M&#('#h #h +eh +ehe e n *!+o) *!+o) o*  C&%o C&%o&o) &o)#, #, In. In. The on&)! on&)!& & #&!&e" #&!&e" &h!& &h!& &he #po(#e #po(#e# # wo(" wo(" %!PI AMI?Y. po(#e# "e*!(&e" n p!$%en&. >PI #en& ! "e%!n" e&&e) &o pe&&one)#, "e!)n&he en&)e o'-!&on !# "(e !n" "e%!n"!'e, !n" )e()n- &he% &o p!$ @=0; o) &he #())en"e) o* &he %o)&-!-e" +ehe. A# &he "e%!n" w!# (nhee"e", >PI e" !n !&on *o) REP?EIN !n" 7AMAGE 'e*o)e MANI?A RTC. A w)& o* Repe+n w!# ##(e" howe+e), &he +ehe w!# no& #eBe". TE RTC !n" CA )(e" *o) >PI. IUE: wn pe&&one)# o(" 'e on#"e)e" &o h!+e "e*!(&e" n p!$%en& *o) !< o*  o%pe&en& p)oo* &h!& &he$ )ee+e" &he "e%!n" e&&e). e&&e). DYE E?7: >o&h +e)'! !n" w)&&en w)&&en "e%!n"# we)e we)e n *!& %!"e '$ )e#pon"en&# )e#pon"en&# p)o) &o &he n#&&(&on o* &he !#e !-!n#& pe&&one)#. E+en !##(%n-, &h!& no "e%!n" e&&e) w!# #en& '$ >PI, &he)e # )e!$ no nee" *o) & 'e!(#e pe&&one) w!+e" &he nee##&$ o* no&e o) "e%!n" "e%!n" n &he PN. The C+ Co"e n A)&e 1169 1169 p)o+"e# p)o+"e# &h!& one n()# n "e!$ o) # n "e*!(& *)o% &he &%e &he o'-o) "e%!n"# &he *(%en& o* &he o'-!&on *)o% &he o'-ee. owe+e), &he !w e5p)e##$ p)o+"e# &h!& &h!& "e%!n" "e%!n" # no& nee## nee##!)$ !)$ (n"e) (n"e) e)&! e)&!n n )(% )(%#&! #&!ne ne#, #, !n" one o* &he#e &he#e )(%#&!ne# )(%#&!ne# # when &he p!)&e# e5p)e##$ e5p)e##$ w!+e "e%!n". >PIF# po##e##on o* &he e+"ene o* "e'& # p)oo* &h!& &he "e'& h!# no& 'een "#h!)-e" '$ p!$%en&. One who pe!"# p!$%en& h!# &he '()"en o* p)o+n- & &he

'()"en )e#&# on "e*en"!n& &o p)o+e p!$%en&, )!&he) &h!n on &he p!n&/ &o p)o+e nonp!$%en&. hen &he )e"&o) # n po##e##on o* &he "o(%en& o* )e"&, p)oo*  o* nonp!$%en& # no& nee"e" *o) & # p)e#(%e". po(#e# #ho(" 'e on#"e)e" n "e*!(&. owe+e), &he n&e)e#& o* 64 pe) %on&h #ho(" 'e e(&!'$ )e"(e" &o one pe)en& pe) %on&h o) 12 4 pe) $e!).e&&e" # &he p)npe whh &h# Co()& h!# !)%e" n ! n(%'e) o* !#e# &h!& #&p(!&e" n&e)e#& )!&e# o* &h)ee pe)en& D34 pe) %on&h !n" h-he) !)e e5e##+e, n(&o(#, (non#on!'e, !n" e5o)'&!n&.