CREDIT

TRANSACTIONS
Atty. JOHN A. AGBAYANI
SYLLABUS AND ASSIGNED CASES
I. Loans in General –Articles 1933-1934 Art.1305;1318.
a. Credit, Loans, Credit Transactions
b. Art,III ,Section 20,, New Constitution
c. Consumer Credit Transactions Under the Consumer Act
(R.A. 7394)
Assigned Cases:
1. People v. Concepcion, 44 Phil 126 (1922)
2. DBP VS. Guarina G.R. 160758, January 15, 2014
3. Delos Santos vs. Jarra 15 Phil 147 (1910)
4. Saura Import & Export Co., Inc. v. DBP, 44 SCRA 445 (1972)
5. Naguiat vs. CA 412 SCRA 591 (2003)
6. Garcia v. Thio, 518 SCRA 433 (2007)
7. Pantaleon vs Amex 629 SCRA 276
8. Gironella vs. PNB GR 194515, Sept 16, 2015
9. BPI vs CA GR 133632, Feb 15, 2002
10. Penta vs Mahinay GR 1717368
11. Sierra vs CA GR 90270,July 24, 1992

Art. III, 1987 Constitution

12. Lozano vs. Martinez L-63419
13. Tiomico vs, CA L-122539, March 4, 1999

II. Loan - Articles 1935 to 1961 A. Commodatum - Articles
1935 to 1952

Assigned Cases:
14. 1935- Republic v. Bagtas, 6 SCRA 262 (1962)
15. 1936- Producers Bank v. CA, 397 SCRA 651
16. 1942- Republic v. Bagtas, 6 SCRA 262 (1962)
17. 1947-Mina vs Pascual 25 Phil 540 (1913)
18. Quintos vs. Beck 69 Phil 108 (1939)
19. Pajuyo v. CA, 430 SCRA 492
20. Republic vs. Baloy 146 SCRA 15

B. Mutuum - Articles 1953 to 1961
Usury Law - Act No. 2655, as amended Assigned Cases:
21. 1953- Republic vs Grijaldo122 Phil 1020 15 SCRA 68 (1965)
22. 1956-Tan vs Valdehuesa56 SCRA 61 (1975)
23. Jardenil vs Salas 73 Phil 626 (1942)
24. Frias vs San Diego 520 SCRA 244 (2007)
25. Arwood vs DMCI 394 scra 11 (2002)
26. Sonaya vs Azarraga 65 Phil 635 (1938)
27. Royal Shirt vs. Co 94 Phil 994 (1954)
28. Overseas vs Cordero 113 SCRA 303
29. Ramos vs. Central Bank 137 SCRA 685
30. Lirag vs SSS 153 SCRA 338
31. 1957 – Angel Jose vs Chelda 23 SCRA 119 (1968)
32. 1959- CuUnyieng vs Mabalacat 54Phil 976 (1929)
33. David vs CA 316 SCRA 710 (1999)
34. Velez vs Balzara73 Phi 630 (1942)
35. GSIS v. CA, 145 SCRA 311
36. Ligutan v. CA, 376 SCRA 560
37. Eastern Shipping Lines v. CA, 234 SCRA 78
38. Nacar v Gallery Frames GR 189871 August 13, 2013.
39. BPI Family Bank v. Franco and CA, 538 SCRA 184
40. People v. Puig, 563 SCRA 564
41. RCBC v. Alfa RTW Manufacturing Corp., et al., G.R. No.
133877, November 14,

2001-COMPUTATION OF VARIOUS TYPES OF INTERESTS
42. ESTORES v. SPOUSES SUPANGAN, G.R. No. 175139,
April 18, 2012
43. Spouses Silos v. Philippine National Bank, G.R. No.
181045, July 2, 2014. Read all the PNB cases surveyed in
this decision.
III. Deposit - Articles 1962 - 2009
Assigned Cases:
44. 1962- Calibo vs. CA 350 SCRA 427 (2001)
45. Triple –V Food vs. Filipino Merchants, G.R. No.
160544, Feb. 21, 2005
46. 1972- Bishop of Jaro v. De la Peña, 26 Phil 144
47. 1975- CA Agro-Industrial Development Corp. v.
Court of Appeals, 219 SCRA 426
48. 1977-Javellana vs Lim 11Phil 141 (1908)
49. 1978- Gaveres vs Tavera 1 Phil 71 (1901)
50. Baron vs.David 51 Phil 1 (1927)
51. US vs. Igpaura 27 Phil 619 (1913)
52. 1979-Palacio vs. Sudario 7 Phil 275 (1907)
53. 1980-Gullas vs PNB 62 Phil 519 (1935)
54. Serrano vs CB 96 SCRA 96 (1980)
55. 1988-Sesbreno vs CA 222SCRA 466 (1993)
56. 1998-Delos Santos vs Tan Khey 58 OG 7693 (1992)
57. Bank of the Philippine Islands v. IAC, 164 SCRA
630
58. 2003- YHT Realty Corporation v. Court of Appeals,
451 SCRA 638 (2005)

IV. Contracts With Security

a. Guaranty and Suretyship - Articles 2047 - 2084
b. Pledge - Articles 2085 - 2123
c. Real Estate Mortgage - Articles 2124 - 2131
d. The Maceda law
e. Antichresis - Articles 2132 - 2139
f. Chattel Mortgage - Articles 2140 - 2141 g. The Recto law


Assigned Cases:
59. E. Zobel, Inc. v. CA, 290 SCRA 1
60. Phil. Blooming Mills, Inc. v. CA, 413 SCRA 445
61. IFC v. Imperial Textile Mills, Inc., 475 SCRA 149
62. DBP v. CA, 284 SCRA 14
63. Bustamante v. Rosel, 319 SCRA 413
64. Ong V. Roban Lending Corporation, 557 SCRA 516
65. Paray & Espeleta v. Rodriguez et al., 479 SCRA 571
66. Medida v. CA, 208 SCRA 887
67. Suico v. PNB, 531 SCRA 514
68. Huerta Alba Resort, Inc. v. CA, 339 SCRA 534
69. People’s Bank & Trust Company v. Dahican Lumber
Company, 20 SCRA 84
70. Makati Leasing & Finance Corp. v. Wearever Textile
Mills, 122 SCRA 296
71. Dy v. CA, 198 SCRA 826
72. Pameca Wood Treatment Plant v. CA, 310 SCRA
281
73. Acme Shoe Rubber & Plastic Corp. v. CA, 260
SCRA 714
74. Servicewide Specialist Inc. v. CA, 320 SCRA 478
75. Victoria Yau Chu vs. Hon. Court of Appeals et al.,
177 SCRA 793
76. CHU v. COURT OF APPEALS, FAMILY SAVINGS
BANK and/or CAMS TRADING ENTERPRISES, INC.,
G.R. No. L-78519, September 26, 1989.
77. SPOUSES RABAT v. PHILIPPINE NATIONAL
BANK, G.R. No. 158755, June 18, 2012