A year ago when the 2019 Bar examination result was released online. Forever grateful to God and to all those who rally behind my back for this dream is far-fetched without their support.
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Balutin ka man ng pagdududa mula sa ibang tao at kahit sa sarili mo mismo, huwag ka basta-basta magpapadala. Pagod man ang katawan; naguguluhan man ang isipan; kung ang puso'y nagsasabing "Kaya mo pa.", maniwala ka.
Pahinga muna, Kaibigan.
The #SupremeCourtPH (SC) has nullified the foreclosure by Metropolitan Bank and Trust Company (Metrobank) of a mortgaged property after finding that the bank failed to properly account for the borrowers’ loan payments.
In a Decision written by Associate Justice Mario V. Lopez, the SC’s Second Division ruled in favor of Carmelita Cruz and Vilma Low Tay (borrowers), who had taken out several loans from Metrobank using real property in Pasig City as collateral.
The borrowers argued that while they had paid a total of PHP 32.6 million for their loans, Metrobank only recorded PHP 20.5 million, leaving an unaccounted amount of PHP 12.14 million. They filed a Complaint for Accounting before the Marikina Regional Trial Court (RTC), which ruled in their favor. Both the Court of Appeals (CA) and the SC upheld the trial court.
Metrobank, however, proceeded with the foreclosure of the real property before the Pasig City RTC, which ruled in favor of the borrowers when the latter contested the foreclosure sale. The CA reversed the Pasig RTC, prompting the borrowers to seek relief from the SC.
The SC annulled the foreclosure sale. It clarified that ordinarily, a lender’s failure to provide an accounting of loan payments is not a ground for annulling a foreclosure. However, in this case, the SC had already issued a final and executory ruling requiring Metrobank to provide a complete and accurate accounting of the borrowers’ payments.
Until this is resolved, foreclosure cannot proceed, said the SC, as doing so would contradict the its prior ruling.
Read the full text of the Press Release at
https://t.co/NaPIS3AngE.
Read the full text of the Decision at
https://t.co/dhOl5XlHlQ.
Copying of this content is subject to the SC PIO’s Credit Attribution Policy: https://t.co/F48RF1vtzZ.
Here's the Last-Minute Tips for the CPALE May 2024 on RFBT by NBV.
https://t.co/hGVdJUSqhW
IMPORTANT NOTE: This document is not meant to replace adequate review time and reputable reference materials in preparation for the CPALE. This is merely a supplementary aid and should not be your primary review material.
Just a suggestion: Find another person who can read to you the tips. (Kung wala, you can read it aloud to yourself.) It would be better if his or her voice is easiest for you to recall. So when you encounter a question that is closely related to one of those tips, you can try to recall those which were read to you. The tips should not have anything that you haven't learned before and if it does have one, just disregard or ignore it (tell yourself, "Hindi lalabas yan"). Given the remaining time you have before exam day, spend your time wisely. Help yourself recall all that you have learned than waste time trying to understand the more complicated ones.
Feel free to share this to those who might need it. I wish to suggest that you ask the reviewee first if they would welcome an additional material. With so many materials shared already, some might find it overwhelming.
Even when we care, we still have to be careful. 😊
Good luck, future CPAs!
https://t.co/hGVdJUSqhW