Surtida v Rural Bank of Malinao ).docx

03 Spou Spous ses Pedr Pedro o and and Paz Surt Surtid ida a v A.*/+R: A.*/+R: Rural Bank of Malinao (Albay), In! NOTES: "!R! #o! $%0&'3 e! 0, 00' *+PI: *+PI: Presumptions P+#-#*-: P+#-#*-: Callejo Sr. AS- A12 +*RI#-: +*RI#-: Under Section 3, Rule 131 of te Rules of Court, te follo!in" are disputa#le presumptions: $1% pri&ate transactions a&e #een fair and re"ular' $(% te ordinar) cour course se of #usin #usines ess s as as #een #een foll follo! o!ed' ed' and and $3% $3% ter tere e !a !as s su*ci su*cien entt consi conside dera rati tion on for for a contract. + presumption ma) operate a"ainst an ad&ersar) !o as not introduced proof to re#ut it. Te eect of a le"al presumption upon a #urden of proof is to create te necessit) of  presentin" e&idence to meet te le"al presumption or te  prima facie case created created tere#), tere#), and !ic if no proof to te contrar) is presented and oered, !ill pre&ail. Te #urden of proof  remains !ere it is, #ut #) te presumption, te one !o as tat #urden is relie&ed for te time #ein" from introducin" e&idence in support of te a&erment, because the presumption stands in the place of evidence unless rebutted . -er4eny Reitation5 Spouses Surtida o#tained a loan from te Rural -an secured #) a Real Estate /ort"a"e o&er teir land. Te Spouses recei&ed te net proeeds of t6eir loan on t6e sae day via as6ier7s 6ek as s6o8n by t6eir si4natures at t6e dorsal portions t6ereof! t6ereof! -ventually, -ventually, t6e Spouses failed to pay t6e loan! *6us, t6ey e0ecuted a ation in Pa)ment and  and   eded t6eir lot to t6e Rural Bank! 16en t6e Rural Bank  deanded t6e to vaate, t6e Spouses refused and said t6at t6ey never reeived any loan proeeds! *6e R* ruled in favor of t6e Spouses! It 4ave no probative 8ei46t to t6e douentary and testionial evidene of t6e Rural Bank t6at t6e spouses 6ad reeived t6e proeeds of t6e t8o loans via si4ned as6ier7s 6eks! *6e A reversed t6e R* and said t6at t6e spouses Surtida reeived reeived t6e net proeeds of  t6e loans as s6o8n by t6eir si4natures at t6e dorsal portion of t6e as6ier7s 6eks . 2ence, tis petition to te SC. n rulin" in fa&or of te -an, te SC said tat $SEE OCTRNE%.  Te presumption tat a contract as su*cient su *cient consideration cannot #e o&ertro!n #) te #are uncorro#orated and self4ser&in" assertion of te Spouses Surtida tat it as no consideration.  To  To o&ercome te presumption of consideration, te alle"ed lac of consideration must #e so!n #) preponderance of e&idence. Te Spouses Surtida failed to discar"e tis #urden. 9A*S5  Te spouses Pedro and Pa5 Surtida e0ecuted a real estate mort"a"e o&er teir residential land, located in Sto. omin"o, +l#a), in fa&or of te Rural -an of /alinao, +l#a), nc. $Rural -an%. Te deed !as e0ecuted as securit) for te pa)ment of te P166,666.66 P 166,666.66 loan te spouses Surtida ad applied for.  Te spouses Surtida secured a loan of P178,966.66 P 178,966.66 from te Rural -an e&idenced #) a Promissor) Note. On te same da), te spouses recei&ed T!o T!o Casiers Cec. +"ain, te spouses Surtida secured anoter loan in te amount of P16;,