G.R. No. 155033
ROSITA A.I. CUSI,
PATRICIA A.I. SANDEJAS and
[respondent] is the elder brother of Alice [petitioner] and Rosita [petitioner], Benjamin [petitioner] and Patricia [petitioner] are Arturo's nephew and niece. Arturo and his wife Evelyn [respondent] are residents of the United States. In October 1993, Arturo leased from Dr. Borja a condominium unit identified as Unit 28-C Gilmore Townhomes located at Granada St., Quezon City.The lease was for the benefit of Benjamin who is the occupant of the unit.The rentals were paid by Ignacio.The term of the lease is for one (1) year and will expire on October 15, 1994. It appears that Arturo was intending to renew the lease contract. As he had to leave for the U.S., Arturo drew up a check, UCPB Check No. GRH- 560239 and wrote on it the name of the payee, Dr. Manuel Borja, but left blank the date and amount.He signed the check.The check was intended as payment for the renewal of the lease.The date and the amount were left blank because Arturo does not know when it will be renewed and the new rate of the lease.The check was left with Arturo's sister-in-law, who was instructed to deliver or give it to Benjamin.
cheated their sister in the amount of three million pesos (P3,000,000.00).She believed that Arturo and Rosita had a joint and/or money market placement in the amount of P3 million with the UCPB branch at Ortigas Ave., San Juan and that Ignacio preterminated the placement and ran away with it, which rightfully belonged to Rosita.Alice then inquired from UCPB Greenhills branch if Arturo still has an account with them.On getting a confirmation, she together with Rosita drew up a scheme to recover the P3 million from Arturo.Alice filled up the date of the check with March 17, 1995 and the amount with three million only.Alice got her driver, Kudera, to stand as the payee of the check, Dr. Borja. Alice and Rosita came to SBC Greenhills Branch together with a man (Kudera) who[m] they introduced as Dr. Borja to the then Assistant Cashier Luis.After introducing the said man as Dr. Borja, Rosita, Alice and the man who was later identified as Kudera opened a Joint Savings Account No. 271-410554-7.As initial deposit for the Joint Savings Account, Alice, Rosita and Kudera deposited the check.No ID card was required of Mr. Kudera because it is an internal policy of the bank that when a valued client opens an account, an identification card is no longer
required (TSN, April 21, 1997, pp. 15-16).SBC also allowed the check to be deposited without the endorsement of the impostor Kudera.SBC officials stamped on the dorsal portion of the check endorsement/lack of endorsement guaranteed and sent the check for clearing to the Philippine Clearing House Corporation.
drawer bank UCPB, Rosita withdrew P1 million from Joint Savings Account and deposited said amount to the current account of Alice with SBC Greenhills Branch.On the same date, Alice caused the transfer of P2 million from the Joint Savings Account to two (2) Investment Savings Account[s] in the names of Alice, Rosita and/or Patricia. ...
identity of the persons and the circumstances surrounding the deposit and withdrawal of the check, the three million pesos in the two investment savings account[s] and in the current account just opened with SBC were withdrawn by Alice and Rosita.
complaint for recovery of a sum of money and damages against Security Bank and Trust Company (SBTC) and its officers, namely: Rene Colin D. Gray, Manager; and Sonia Ortiz-Luis, Cashier.The complaint also impleaded herein petitioner Benjamin A.I. Espiritu (Benjamin), a John Doe, representing himself as Manuel N. Borja; and a Jane Doe.
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