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Credit Transactions Course Outline

Atty. Irvin Joseph M. Fabella A.Y. 2017-2018

COURSE OUTLINE
PART I

The Concept of Credit


A. Credit, Debt and Security
B. Credit and Credit Transactions Defined
 People v. Concepcion, G.R. No. L-19190, November 29, 1922, 44 Phil. 126
C. Commercial Credit Transactions

A. Loan

The Concept of Loan


A. General Concepts
 Yong Chan Kim vs. People of the Phils., G.R. No. 84719, January 25, 1991
B. Obligation to Deliver
 Garcia v. Thio, G.R. No. 154878, March 16, 2007, 518 SCRA 433
C. Contract to Loan
 Pantaleon v. American Express International, Inc., G.R. No. 174269, August 25, 2010,
629 SCRA 276
 BPI Investment Corporation v. Court of Appeals and ALS Management & Development
Corporation, G.R. No. 133632, February 15, 2002, 377 SCRA 117
 Saura Import and Export Co., Inc. v. Development Bank of the Philippines, G.R. No. L-
24968, April 27, 1972, 44 SCRA 445

Commodatum
A. Object of Commodatum
 Producers Bank of the Philippines v. Court of Appeals, et al., G.R. No. 115324,
February 19, 2003, 397 SCRA 651
B. Consideration in Commodatum
 Catholic Vicar Apostolic Church v. Court of Appeals, G.R. No. L-80294-95, September
21, 1988
C. Liability for Expenses and Damages
 Colito T. Pajuyo vs. Court of Appeals, G.R. No. 146364, June 3, 2004, 430 SCRA 492
D. Liability for Loss
 Republic v.Bagtas, G.R. No. L-17474, October 25, 1962, 6 SCRA 262
E. Obligation to Return
 Quintos & Ansaldo v. Beck, G.R. No. L-46240, November 3, 1939, 69 Phil 108

Simple Loan or Mutuum


A. Object of Simple Loan
 People v. Puig and Porras, G.R. No. 173654-765, August 28, 2008, 563 SCRA 564
 BPI Family Bank v. Franco, G.R. No. 123495, November 23, 2007, 538 SCRA 184
B. Interest
1. Conventional Interest
a. Monetary Interest
 Frias v. San Diego-Sison, G.R. No. 155223, April 3, 2007, 520 SCRA 244
 Siga-an v. Villanueva, G.R. No. 173227, January 20, 2009, 576 SCRA 696
b. Escalation Clauses
 Spouses Juico v. China Banking Corporation, G.R. No. 187678, April 10, 2013,
695 SCRA 520
 Spouses Silos v. Philippine National Bank, G.R. No. 181045, July 2, 2014, 728
SCRA 617
2. Compensatory Interest
a. General Concepts
 Ligutan v. Court of Appeals, G.R. No. 138677, February 12, 2002, 376 SCRA
560

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Credit Transactions Course Outline
Atty. Irvin Joseph M. Fabella A.Y. 2017-2018

b. Interest Rate
 Eastern Shipping Lines, Inc. v. Court of Appeals, G.R. No. 97412, July 12, 1994,
234 SCRA 78, restated in Nacar v. Gallery Frames, G.R. No. 189871, August
13, 2013, 703 SCRA 439
 Estores v. Spouses Supangan, G.R. No. 175139, April 18, 2012, 670 SCRA 95
c. Interest on Interest
3. Finance Charges
 United Coconut Planters Bank v. Samuel & Beluso, G.R. No. 159912, August 17,
2007, 530 SCRA 567
4. Usury
a. General Concepts
 Advocates for Truth in Lending, Inc. & Olaguer v. Bangko Sentral Monetary
Board, G.R. No. 192986, January 15, 2013, 688 SCRA 530
b. Usurious Acts
c. Remedies
 Carpo v. Chua & Dy Ng, G.R. No. 150773, September 30, 2005, 471 SCRA 471

Additional Cases:
 Commonwealth Insurance Corporation v. Court of Appeals & RCBC, G.R. No. 130886,
January 29, 2004
 Calderon v. People, G.R. No. 158495, October 21, 2004
 Medel v. Court of Appeals, 299 SCRA 481
 Pascual v. Ramos, 384 SCRA 105
 Barrera v. Lorenzo, 389 SCRA 329
 First Fil-Sin Lending Corp. v. Padillo, G.R. No. 160533, January 12, 2005
 Macalinao v. BPI, G.R. No. 175490, September 17, 2009
 ECE Realty v. Hernandez, G.R. No. 212689, August 11, 2014
 PNB v. Padilla, 196 SCRA 536
 Florendo V. Court of Appeals, 265 SCRA 678

B. Deposit

The Concept of Deposit

Voluntary Deposit
A. Obligation to Safekeep
 Bank of the Philippine Islands vs. The Intermediate Appellate Court & Zshomack,
G.R. No. L-66826, August 19, 1988
 Agro-Industrial Development Corporation v. Court of Appeals and Security bank &
Trust Company, G.R. No. 90027, March 3, 1993, 219 SCRA 426
 Roman Catholic Bishop of Jaro v. Dela Pena, G.R. No. L-6913, November 21, 1913, 26
Phil 144
1. Liability for Loss and Damage
a. Liability of Depositary
b. Liability of Depositor
2. Liability for Expenses
B. Obligation to Return

Necessary Deposit
A. General Concepts
B. Examples of Necessary Deposit
1. Compliance with a Legal Obligation
2. On the Occasion of a Calamity
3. Passenger baggage with Common Carriers
4. Hotels or Inns
 Durban Apartments Corp. v. Pioneer Insurance and Surety Corp, G.R. No.
179419, January 12, 2011, 639 SCRA 441

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Credit Transactions Course Outline
Atty. Irvin Joseph M. Fabella A.Y. 2017-2018

 YHT Realty Corporation v. Court of Appeals, G.R. No. 126780, February 17, 2005,
451 SCRA 638

Judicial Deposit
A. General Concepts

Additional Cases:
 Guingona v. City Fiscal of Manila, 128 SCRA 577
 BPI v. Reyes, G.R. No. 116792, March 29, 1996
 Citibank NA v. Sabeniano, G.R. No. 156132, February 12, 2007

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