mémoire de fin d'étude, réalisé par Ghita Bencheikh étudiante à l'université Sidi Mohammed Ben Abdellah, de Fès au Maroc.
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Rose Packing Co. vs. Court of Appeals 167 SCRA 309
Facts: This is a petition for review on certiorari of the decision of the Court of Appeals in CAG.R. No. 431 !-1" pro#ul$ated on %ece#&er 1'( 1)*). +n %ece#&er 1"( 1'" respondent &an, hilippine Co##ercial and ndustrial /an, 0C/ approved a letter re2uest & petitioner for the reactivation of its overdraft line of )())).))( discountin$ line of 1))())).)) and an d a letter of credit-trust receipt line of )())).)) as well as an application for loan of 3))())).)) on full secured real estate and chattel #ort$a$e and on the further condition that respondent C/ appoint its e5ecutive vice-president Ro&erto 6. /enedicto as its representative in petitioner7s &oard of directors. +n Nove#&er 3( 1' the National nvest#ent and %evelop#ent 0N%C( approved a ".' #illion loan application of petitioner with certain conditions. The N%C released to petitioner the a#ount of 1))())).)). etitioner purchased five 0 parcels of land in asi$( Ri8al #a,in$ down pa#ent thereon. Au$ust 3( 1'' and +cto&er (( 1''( respondent C/ approved additional acco##odations to petitioner consistin$ of *1)())).)) loan for the pa#ent of the &alance of the purchase price of those lots in asi$. 9owever( C/ released onl 3))())).)) of the *1)())).)) on approved loan for the pa#ent of the asi$ lands and so#e 3))( ))).)) for operatin$ capital. +n une " 1'*( the %evelop#ent /an, of the hilippines approved on application & petitioner for a loan of 1(!4)())).)) and a $uarantee for ; '"('!".)) for the purchase of can #a,in$ e2uip#ent. etitioner advised respondent C/ of the availa&ilit of !))())).)) to partiall pa off its account and re2uested the release of the titles titles to the asi$ lots for deliver to the %/. +n anuar ( 1'! respondent C/ filed a co#plaint a$ainst petitioner and Rene hether or not private respondent have the ri$ht to the e5tra-=udicial foreclosure sale of petitioner7s #ort$a$ed #ort$a$ed properties &efore trial on the #erits. el!: 01 The decision of the Court of Appeals is R?@?R6?% insofar as it sustained 0a the lower court7s denial of petitioner7s application for preli#inar in=unction and 0& the validit of
the foreclosure sale 0" the lower court is ordered to proceed with the trial on the #erits of the #ain case to$ether with a deter#ination of e5actl how #uch are petitioner7s lia&ilities in favor of respondent &an, C/ so that proper #easures #a &e ta,en for their eventual li2uidation 03 the preli#inar n=unction issued & this Court on April "!( 1*1 re#ains in force until the #erits of the #ain case are resolved and 04 the #otion of respondent &an, dated April 1( 1!1( for leave to lease the real properties in custodia le$is is denied. The loans of petitioner corporation fro# respondent &an, were supposed to &eco#e due onl at the ti#e that if receives fro# the N%C and %C the proceeds of the approved sche#e. As it is( the conditions did not happen. For an o&li$ation to &eco#e due there #ust $enerall a de#and. %efault $enerall &e$ins fro# the #o#ent the creditor de#ands the perfor#ance of the o&li$ation. >ithout such de#and( =udicial or e5tra-=udicial( the effects of !efault "ill not arise.
