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REPUBLIC V. CA 135 SCRA 156 (1985) UMBAY V.

ALECHA 135 SCRA 427 (1985)

FACTS: In 1961, CFI Quezon upheld the registration of a parcel of land FACTS: Natalio Enanoria owned a parcel of land (Lot no. 5280) with
in the names of Prudencio Maxino and Tarciana Moreles. OCT 10933 issued in 1922.
1. Subsequently, OCT was issued covering the same. In 1969, the 1. He died in 1924. In 1963, the heirs of Enanoria asked a surveyor
Republic filed a petition to annul said decision citing that the to relocate the lot; they discovered that the said property was
land in question are part of unclassified public forest and the occupied by Placido Alecha, the owner of the adjoining lot.
possessory information title relied upon the Maxino spouses Despite demands to vacate the subject property, spouses
covered only 29 hectares and not 885 hectares. Alecha refused to do so.
2. CA dismissed the petition on the account that the decision 2. As a result, the heirs of Enanoria filed a complaint against
had become final and unappealable. Alecha, alleging that the latter had usurped their property.
3. The trial court held in favor of the Enannorias however upon
ISSUE: WON the certificate of title issued to spouses Maxino is valid appeal, CA reversed the decision and dismission the
complaint of the Enanoria heirs.
HELD: It is incontestable that the subject property registered by the
Maxinos, is within the public forest and as such, not alienable and ISSUE: Is the complaint of the heirs of Enanoria barred by prescription
disposable nor susceptible of private appropriation. Its inclusion in the ?
public forest was certified by the Director of Forestry in July 1940.
HELD: The SC held that Enanoria’s complaint does not prescribe nor is
The basis of the claim of the Maxinos that is a Spanish title is it barred by laches. Sec 46 of the Land Registration Law (now Sec 47
untenable. First, the composition title is spurious based on the facts of the Property Registration Decree PD 1529 effective June 11, 1978)
alone as it appears the alleged deed of absolute sale is but a quit- provides that “no title to registered land in derogation to that of the
claim. Also, it is axiomatic that public forestral lands is not subject to registered owner shall be acquired by prescription or adverse
registration. Its inclusion in a title, whether the title be issued during possession.
the Spanish regime or under the Torrens system, nullifies the title. As
such, possession of public foresrtal lands, however long, cannot ripen Prescription is unavailing not only against the registered owner but
into private ownership. also his hereditary successors because the latter merely step into the
shoes of the decedent by operation of law and are merely the
continuation of the personality of their predecessor-in-interest.

The real purpose of the Torrens system is to quiet title to land and to
stop forever any question as to its legality. “Once a title is registered,
the owner may rest secure, and avoid the possibility of losing his
land.”

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Title to land can no longer be acquired by prescription after a Torrens PNB V. CA 153 SCRA 435 (1987)
title has been issued for it. The right to recover possession of
registered lands is imprescriptible because possession is merely a FACTS: During his lifetime, Clodualdo Vitug married twice: Gervacia
consequence of ownership. Flores with whom he had 3 children: Victor, Lucina and Julio. Victor is
survived by 5 children: Leonardo, Juan, Candida Francisco and
In the present case, the petitioners’ action to recover the subject Donaciano.
property cannot be barred by the equitable defense of laches or 1. Juan is survived by his only daughter Florencia. Donata
delay because they became aware of the encroachment only after Montemayor was the 2nd wife with whom he had 8 children:
they hired a surveyor in 1963 to ascertain the true boundaries of the Pragmacio, Maximo, Jesus, Salvador, Prudencia,
subject property. Anunciacion, Enrique and Francisco. Francisco is survived by
11 children.
2. Clodualdo died intestate in May 1929 and a special
proceeding named Donata Montemayor as the
administratrix.
3. In November 1952, Donata Montemayor, through her son,
Salvador Vitug, mortgaged several parcels of land covered
by TCT 2289 in favor of PNB to guarantee a loan granted by
the bank to Salvador Jaramilla and Pedro Bacani in the
amount of P40,900.
4. Donata also mortgaged other properties (TCT 2887-88) in
favor of the same bank to guarantee the payment of a loan
her son made in the amount of P35,200. All TCTs of the subject
properties were in the name of Donata Montemayor, of legal
age, Filipino, widow and a resident of Lubao Pampanga and
were free from all liens and encumbrances.
5. Salvador Vitug failed to pay his loan so the bank foreclosed
the mortgaged properties and were sold at a public auction
in May 1968 to PNB who was the highest bidder. The titles
thereto were consolidated in the name of PNB. Likewise,
Jaramilla and Bacani failed to settle their loans with the bank
so the latter foreclosed the mortgaged properties which were
sold at a public action. PNB was the highest bidder. In August
1968, a new title was issued in PNB’s name.

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6. In 1969, PNB sold the properties (TCT 2887-88) to Jesus Vitug, the owner may rest assured without the necessity of stepping into the
Anunciacion de Guzman, Prudencia Fajardo, Salvador Vitug portals of the court or sitting in the mirador de su casa to avoid the
and Aurora Guttierez. possibility of losing his land.
7. In May 1970, Pragmacio and Maximo file an action for
partition and reconveyance before CFI Pampanga against The presumption stipulated in Art. 160 does not apply in this case
Marcelo Mendiola as the special administrator of the because it appears on the face of the title that the properties were
intestate estate of Donata, their siblings, the heirs of Francisco, acquired by Donata when she was already a widow. When the
and PNB. Both claim that the subject properties were property is registered in the name of a spouse only and there is no
conjugal properties of spouses Donata and Clodualdo of showing as to when the property was acquired by said spouse, this is
which they claim a share of 2/11 of ½ thereof. They assailed an indication that the property belongs exclusively to said spouse.
the mortgage to PNB and public auction of said properties
were null and void. Lower court dismissed the complaint. CA PNB had a reason to rely on what appears on the certificates of title
reversed the lower court’s decision and held in favor of of the properties mortgaged. For all legal purposes, the PNB is a
brothers Pragmacio and Maximo. mortgagee in good faith for at the time the mortgages covering said
properties were constituted the PNB was not aware to any flaw of the
ISSUE: Does the presumption of conjugality of properties acquired by title of the mortgagor. Indeed, if the PNB knew of the conjugal nature
the spouses during coverture provided for in art 160 NCC apply to of said properties it would not have approved the mortgage
property covered by a Torrens certificate of title in the name of the applications covering said properties of Donata Montemayor without
widow? requiring the consent of all the other heirs or co-owners thereof.
Moreover, when said properties were sold at public auction, the PNB
HELD: In processing the loan applications of Donata Montemayor, the was a purchaser for value in good faith.
PNB had the right to rely on what appears in the certificates of title
and no more. On its face the properties are owned by Donata
Montemayor, a widow. The PNB had no reason to doubt nor question
the status of said registered owner and her ownership thereof.
Indeed, there are no liens and encumbrances covering the same.

The well-known rule in this jurisdiction is that a person dealing with a


registered land has a right to rely upon the face of the Torrens
certificate of title and to dispense with the need of inquiring further,
except when the party concerned has actual knowledge of facts
and circumstances that would impel a reasonably cautious man
make such inquiry.

A Torrens title concludes all controversy over ownership of the land BORNALES V. IAC 166 SCRA 519 (1988)
covered by a final degree of registration. Once the title is registered

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FACTS: In 1927, Sixto Dumulong and his legal wife Isabel Marquez- has a rightful claim over the land. He should have not bought the
Dumulong were awarded a parcel of land in Capiz (OCT 6161). Sixto land from Placida, considering his knowledge of the fact that Placida
and Isabel had no children and lived separately since 1920. could not have own any portion of the land since she was not a legal
1. Subsequently, Sixto cohabited with Placida, who even used wife.
Sixto’s surname, and had several children.
2. In March 1978, Placida and her children executed a Deed of
Extrajudicial Adjudication and Sale of Real Property involving
the subject property. Said property was sold in favor of
spouses Bernardo Decrepito and Loreta Dumolong.
3. They were able to acquire the supposed thumbmark of
Isabel. But apparently, Isabel never affixed her thumbmark
and that the same was not within her knowledge.
4. In November 1978, Placida registered the Deed and a Torrens
title was issued in their name. Three months thereafter, Placida
and her children sold the land to Bornales. Isabel assailed the
sale.
5. Isabel argued that the acquisition of the Torrens title by
Placida et al was through fraud. Bornales countered he was
not aware of the fraudulent nature of the prior transactions,
but since a Torrens was issued he should be considered as a
buyer in good faith, hence entitled to some right.

ISSUE: May Bornales invoke the indefeasibility of a Torrens title?

HELD: No. Having bought the land registered under the Torrens system
from Placida who procured title thereto by means of fraud, Bornales
cannot invoke the indefeasibility of a certificate of title against Isabel
to the extent of her interest therein. Torrens system of land registration
should not be used as a means to perpetrate fraud against the rightful
owner of real property. Registration, to be effective, must be made in
good faith. It is a settled rule that the defense of indefeasibility of a
certificate of title does not extend to a transferee (Bornales) who
takes it with notice of the flaws in his transferor's (Placida’s) title.
PNB V. INTERNATIONAL CORPORATE BANK, 199 SCRA 508 (1991)
Also, Bornales had been a tenant of the Dumulong’s. He is aware
that Placida was not Sixto’s legal spouse and that it was Isabel who

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FACTS: Petitioner PNB filed with RTC Alaminos, Pangasinan a petition with power to hear and determine all questions arising upon such
for the cancellation of a memorandum of encumbrance annotated applications or petitions.
upon its 16 TCTS
1. Petitioner alleged that spouses Balingit executed a real estate Sec 2 of PD 1529 removed the distinction between the general
mortgage in favor of PNB to secure a loan the spouses jurisdiction vested in the regional trial court and the limited jurisdiction
obtained from PNB conferred upon it by the former law (Act 496) when acting merely as
2. Annotated subsequent to the memoranda of the mortgage a cadastral court. Aimed at avoiding multiplicity of suits, the change
lien of PNB is a “notice of levy re Civil Case Continental Bank has simplified registration proceedings for “original registration” but
v. Spouses Balingit) for a total sum of P96,636.1 at the back of also “over all petitioners filed after original registration of title, with
the TCTs power to hear and determine all questions arising upon such
3. Since the spouses defaulted on their loan with PNB, the bank applications or petitions. Clearly, therefore, that the lower court had
extra-judicially foreclosed the 16 parcels of land. The sheriff’s ample jurisdiction to decide the instant case filed by PNB.
certificate of sale was registered on April 3, 1972
4. Upon the expiration of the one-year legal redemption period,
PNB consolidated in its name the ownership of the subject
properties and a new TCT was issued in its name. however, the
notice of levy in favor of Continental Bank (now ICB) was
carried over and now appears as the sole encumbrance in
the new titles of PNB
5. Subsequently, ICB, as successor in interest of Continental
Bank, filed an opposition alleging that since it was not aware
of the extrajudicial foreclosure, the new and consolidated
titles in favor of PNB are null and void
6. RTC Alaminos denied the petition for lack of jurisdiction
7. Petitioner appealed to CA averring that RTC erred in ruling (1)
there is an adverse claim or serious objection on the part of
the oppositor render the case controversial and as such,
should be threshed out in an ordinary case; and (2) it has no
jurisdiction over the case

ISSUE: WON RTC has jurisdiction over petitions filed under Sec 108 of
Property Registration Act
HELD: Yes. Under Sec 2 PD 1529, RTCs acting as land registration courts
now have exclusive jurisdiction not only over applications for original VIAJAR V. CA 168 SCRA 405 (1988)
registration of title to lands, including improvements and interests
therein, but also over petitions filed after original registration of title,

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FACTS: The spouses Ricardo and Leonor Ladrido were the owners of 5. During the pendency of the case, Celso Viajar sold his rights
Lot 7511 of the Cadastral Survey of Pototan situated in barangay over Lot 7340 to his mother and co-plaintiff, Angelica F. Viajar.
Cawayan, Pototan, Iloilo (154,267 sqm., TCT T-21940 of the Register of For this reason, Angelica F. Viajar appears to be the sole
Deeds of Iloilo). Spouses Rosendo and Ana Te were also the registered owner of the lot.
registered owners of a parcel of land described in their title as Lot 6. On 25 May 1978, Ricardo Ladrido died. He was substituted in
7340 of the Cadastral Survey of Pototan. the civil action by his wife, Leonor P. Ladrido, and children,
1. On 6 September 1973, Rosendo Te, with the conformity of his namely: Lourdes Ladrido-Ignacio, Eugenio P. Ladrido and
wife, sold this lot to Angelica F. Viajar and Celso F. Viajar for Manuel P. Ladrido, as parties defendants.
P5,000. A Torrens title was later issued in Viajar’s name. 7. After trial on the merits, a second amended complaint which
2. Later, Angelica Viajar had Lot 7340 relocated and found out included damages was admitted. On 10 December 1981, the
that the property was in the possession of Ricardo Y. Ladrido. trial court rendered its decision in favor of Ladrido, dismissing
Consequently, she demanded its return but Ladrido refused. the complaint of Angelica and Celso Viajar with costs against
The piece of real property which used to be Lot 7340 of the them, declaring Leonor P. Ladrido, Lourdes Ladrido-Ignacio,
Cadastral Survey of Pototan was located in barangay Eugenio P. Ladrido and Manuel P. Ladrido as owner of the
Guibuanogan, Pototan, Iloilo; that it consisted of 20,089 sqm.; parcel of land indicated as Lots A and B in the sketch plan
that at the time of the cadastral survey in 1926, Lot 7511 and situated in barangays Cawayan and Guibuanogan, Pototan,
Lot 7340 were separated by the Suague River; that the area of Iloilo, and containing an area of 25,855 sq.ms., and
11,819 sq.ms of what was Lot 7340 has been in the possession pronouncing that as owners of the land, the Ladridos are
of Ladrido; that the area of 14,036 sq.ms., which was formerly entitled to the possession thereof.
the river bed of the Suague River per cadastral survey of 1926,
has also been in the possession of Ladrido; and that the ISSUE: WON the change in the Suague river was gradual
Viajars have never been in actual physical possession of Lot
7340. HELD: The presumption is that the change in the course of the river
3. On 15 February 1974, Angelica and Celso Viajar instituted a was gradual and caused by accretion and erosion (Martinez Cañas
civil action for recovery of possession and damages against vs. Tuason, 5 Phil. 668; Payatas Estate Improvement Co. vs. Tuason, 53
Ricardo Y. Ladrido (Civil Case 9660) with the CFI Iloilo. Phil. 55; C.H. Hodges vs. Garcia, 109 Phil. 133). In the present case, the
Summoned to plead, Ladrido filed his answer with a lower court correctly found that the evidence introduced by the
counterclaim. The Viajars filed their reply to the answer. Viajars to show that the change in the course of the Suague River was
4. Subsequently, the complaint was amended to implead sudden or that it occurred through avulsion is not clear and
Rosendo Te as another defendant. The Viajars sought the convincing. The Ladridos have sufficiently established that for many
annulment of the deed of sale and the restitution of the years after 1926 a gradual accretion on the eastern side of Lot 7511
purchase price with interest in the event the possession of took place by action of the current of the Suague River so that in 1979
defendant Ladrido is sustained. Te filed his answer to the an alluvial deposit of 29,912 sq.ms. (2.9912 hectares), more or less,
amended complaint and he counterclaimed for damages. had been added to Lot 7511 (Lot A: 14,036 sq.ms., Lot B, 11,819 sq.ms.
The Viajars answered the counterclaim. and Lot C, which is not in litigation, 4,057 sq.ms). The established facts
indicate that the eastern boundary of Lot 7511 was the Suague River

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based on the cadastral plan. For a period of more than 40 years the course of the adjoining stream. Similarly in C.N. Hodges vs. Garcia
(before 1940 to 1980) the Suague River overflowed its banks yearly (109 Phil. 133), it was ruled that if the land in question has become
and the property of the defendant gradually received deposits of soil part of one’s estate as a result of accretion, it follows that said land
from the effects of the current of the river. The consequent increase now belongs to him. The fact that the accretion to his land used to
in the area of Lot 7511 due to alluvion or accretion was possessed by pertain to another's estate, which is covered by a Torrens Certificate
the defendants whose tenants plowed and planted the same with of Title, cannot preclude the former from being the owner thereof.
corn and tobacco. The quondam river bed had been filled by Registration does not protect the riparian owner against the
accretion through the years. The land is already plain and there is no diminution of the area of his land through gradual changes in the
indication on the ground of any abandoned river bed. Under the law, course of the adjoining stream. Accretions which the banks of rivers
accretion which the banks or rivers may gradually receive from the may gradually receive from the effect of the current become the
effects of the current of the waters becomes the property of the property of the owners of the banks (Art. 366 of the Old Civil Code;
owners of the lands adjoining the banks. (Art. 366, Old Civil Code; Art. Art. 457 of the New). Such accretions are natural incidents to land
457, New Civil Code which took effect on 30 August 1950 [Lara v. Del bordering on running streams and the provisions of the Civil Code in
Rosario, 94 Phil. 778]. Therefore, the accretion to Lot 7511 which that respect are not affected by the Registration Act.
consists of Lots A and B belong to the Ladridos.

Section 45 of Act 496 provides that “the obtaining of a decree of


registration and the entry of a certificate of title shall be regarded as
an agreement running with the land, and binding upon the applicant
and all successors in title that the land shall be and always remain
registered land, and subject to the provisions of this Act and all Acts
amendatory thereof." Section 46 of the same act provides that “No
title to registered land in derogation to that of the registered owner
shall be acquired by prescription or adverse possession."

The rule that registration under the Torrens System does not protect
the riparian owner against the diminution of the area of his registered
land through gradual changes in the course of an adjoining stream is
well settled. In Payatas Estate Improvement Co. vs. Tuason (53 Phil.
55), it was ruled that Article 366 of the Civil Code provides that “any
accretions which the banks of rivers may gradually receive from the
effects of the current belong to the owners of the estates bordering CORONEL V. CA,173 SCRA 26 (1987)
thereon.” Accretions of that character are natural incidents to land
bordering on running streams and are not affected by the registration FACTS: Petitioner Coronel filed a complaint for recover of possession
laws. It follows that registration does not protect the riparian owner of a parcel of land registered in his name. The complaint was filed
against diminution of the area of his land through gradual changes in against private respondents Merlan et al

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1. Coronel alleged that when he purchased the subject Torrens title. It is inspired by the highest concept of what is fair and
property, private respondents were already occupying a what is equitable.
portion thereof as “tenants at all” and the latter refused the
vacate the premises despite demands The simple possession of a certificate of title, under the Torrens system,
2. Private respondents, on the other hand, averred that the does not necessarily make the possessor a true owner of all the
portion they occupied formed 1/3 undivided share which property described therein. If a person obtains a title, under the
they had inherited and that they never sold their 1/3 share Torrens system, which includes by mistake or oversight, land which
3. Third-party defendants Novelo et al, denied that they had cannot be registered under the Torrens system, he does not, by virtue
sold the entire property, they claimed that they only sold their of said certificate aloe, become the owner of the lands included.
2/3 undivided share in the property
4. It appears that the subject property was part of a bigger The petitioner is bound to recognize the lien in favor of the private
estate which was inherited by Lontoc. When Lontoc died, the respondents which was mistakenly excluded and therefore not
property was inherited by: children of Enrique Merlan inscribed in the Torrens title of the subject property.
(Bernardino Merlan), children of Gabriel Merlan (Jose Merlan)
and the children of Francisca Merlan (Anuat)
5. In 1950, Bernardino and the Anuats sold their 2/3 undivided
share to spouses Manalo
6. Spouses Manalo, in turn, sold their share to Mariano Manalo.
A new TCT was then issued in the name of Mariano. The TCT
covered the whole property without any mention of the 1/3
share of the private respondents which was not sold to them
7. Relying on the TCT of Mariano Manalo, petitioner Coronel
purchased the subject property for P27,000 and a new TCT
was issued in his name

ISSUE: WON Coronel is the owner of the subject property

HELD: No. Coronel’s ownership only pertains to the 2/3 undivided


share which he purchased from Mariano Manalo.
The well-known rule in this jurisdiction is that a person dealing with a GOLLOY V. CA 173 SCRA 26 (1989)
registered land has a right to rely upon the face of the Torrens
certificate of title and to dispense with the need of inquiring further. FACTS: Petitioner Golloy has been, for more than 20 years, the
There is, however, a countervailing doctrine, that mitigates the iron- registered owner and in possession of a parcel of land covered by
clad application of the principle attaching full faith and credit to a TCT 45764. The southwest boundary is owned by private respondents
covered by certificate of title 8565. Sometime in 1966, private

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respondents subdivided their land among themselves and in the HELD: Petitioner Golloy is entitled to the disputed portion of land. It is
course of doing so, private respondents had placed 2 monuments in undisputed that that Balanga’s property was surveyed and titled
the southwest portion of the petitioner’s land. As a result, petitioner earlier than Golloy’s. Having been surveyed and thereafter
Golloy filed an action to quiet title (claim ownership over a real registered, monuments were placed therein to indicate their
property) before the CFI Tarlac. respective boundaries. It is hardly persuasive that the private
respondents’ predecessor Balanga, believing that she has a rightful
Private respondents filed a motion to dismiss with counterclaim, claim to the overlapped portions, did not make any move to question
denying Golloy’s allegation and maintained that they merely the placement of the monuments. She could have easily objected
subdivided their own property and as such, Golloy had no cause of to the placement and point out that the placements of the
action. monuments excluded the overlapped portions from her property.
However, no such objections were made. As such, it may be
During the pre-trial both parties agreed that the question of the construed that Balanga never believed that she has a right and legal
boundaries of their respective properties could be resolved by claim to the overlapped portion.
appointing a surveyor to relocate the disputed area.
Considering that the petitioner and his predecessors have in
In May 1968, Jovino Dauz, the surveyor of the Bureau of Lands, continuous possession in the concept of an owner, for almost 50 years
reported the following: (from 1919 when it was registered to 1966 when the dispute ensued),
1. Petitioner’s land is Lot A of the subdivision plan, Psd-1413, the private respondents are guilty of laches.
being a portion of the land described in OCT 126 in the name
of Augustin Golloy. The land under OCT 126 was surveyed on Mere possession of certificate of title under Torrens System is not
Mar 1918 and subsequently titled in 1919 conclusive as to the holder’s true ownership of all the property
2. Private respondents’ land is Lot no. 1, 11-8218 in the name of described therein for he does by virtue of said c certificate alone
Domingo Balanga, which was surveyed on Mar 1913 and become the owner of the land illegally included.
originally titled and registered on Mar 1918
3. There is overlapping on the boundaries which was due to the
defect in the survey on petitioner’s since it did not duly
conform with the previously approved of survey of Lot 1, 11-
3218 under OCT 8565
4. Private respondents’ land, TCT 8565, prevails over petitioner’s
land since the former was surveyed and titled ahead. REPUBLIC V. CA, 83 SCRA 453 (1978)

Trial court held in favor of private respondents. CA affirmed the same. FACTS: Both Republic and respondents de Ocampo and Anglo claim
ownership of the subject parcel of land.
ISSUE: Between the two title holders, who is entitled to the land in 1. Republic claims that said properties were bequeathed to the
question? Bureau of Education (now Bureau of Public Schools) by the
late Esteban Jalandoni through his will. Said properties were

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already registered under the Torrens system in the name of registration. The very purpose of the Torrens system would be
Meerkamp & Co prior to being acquired by Jalandoni destroyed fi the same land may be subsequently brought under a
2. Respondent de Ocampo based his claim on an application second action for registration.
for registration of the same. He claimed the lots were
unregistered lands belonging to and possessed by him, by
virtue of a donation from one Luis Mosquera
3. Respondent Anglo allegedly purchased the same from De
Ocampo in 1966

ISSUE: WON the trial court had jurisdiction to entertain the application
for land registration of De Ocampo on the ground that said properties
were already registered under the Torrens system before 1919

HELD: No. Authorities are in agreement that a land registration court


is without jurisdiction to decree again the registration of land already
registered in an earlier registration case, and that the second decree
entered for the same land is null and void. If there is no valid and final
judgment by the land registration to speak of, then the filing of an
admittedly late appear from the decision denying the Amended
Petition would be immaterial and of no moment insofar as these
proceedings are concerned in view of the congenitally fatal infirmity
that attaches to the main decision decreeing for the second time,
the registration of the same lots in favor of De Ocampo, despite an
earlier registration in the name of Meerkamp & Co. Jurisprudence
holds that that the appellant’s failure to perfect an appeal on time,
although ordinarily decisive, carries no persuasive force, and may be
completely disregarded if the trial court acted without jurisdiction.

As held in Reyes v. Borbon: When the attention of the court of land


registration is called to the fact that the same land has been
registered in the name of two different persons, it is the duty of the
said court to order and investigation of that fact and should be done
even without requiring the parties to show that a fraud has been
committed during the double registration. When it is established that
the same has been registered in the name of two different persons,
the title should remain in the name of the person securing the first

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