Lesson 4 with audio

0:00

S… Speaker 1 (Lesson 4 with audio)

So, chapter 4,

0:02

S… Speaker 1 (Lesson 4 with audio)

Extinguishments of Obligations.

0:04

S… Speaker 2 (Lesson 4 with audio)

So,

0:05

S… Speaker 1 (Lesson 4 with audio)

lahat yan nandito sa 1231.

0:08

S… Speaker 1 (Lesson 4 with audio)

Obligations are extinguished by payment or performance,

0:12

S… Speaker 1 (Lesson 4 with audio)

by the loss of the thing due,

0:13

S… Speaker 1 (Lesson 4 with audio)

by condemnation or remission of debt,

0:15

S… Speaker 1 (Lesson 4 with audio)

by confusion or merger of rights of creditor and debtor,

0:19

S… Speaker 1 (Lesson 4 with audio)

by compensation,

0:20

S… Speaker 1 (Lesson 4 with audio)

by novation.

0:22

S… Speaker 1 (Lesson 4 with audio)

Ito, yung anim na to,

0:23

S… Speaker 1 (Lesson 4 with audio)

nasa sections 1 to 6 siya ng chapter

0:27

S… Speaker 1 (Lesson 4 with audio)

4.

0:28

S… Speaker 1 (Lesson 4 with audio)

So,

0:28

S… Speaker 1 (Lesson 4 with audio)

other causes of extinguishment of obligation such as annulment,

0:32

S… Speaker 1 (Lesson 4 with audio)

rescission, fulfillment of a respiratory condition,

0:35

S… Speaker 1 (Lesson 4 with audio)

and prescription are governed elsewhere in this code.

0:38

S… Speaker 1 (Lesson 4 with audio)

These causes also extinguishment

0:43

S… Speaker 1 (Lesson 4 with audio)

of obligation pero magfofocus tayo dito sa 1 to 6.

0:51

S… Speaker 1 (Lesson 4 with audio)

So, section 1,

0:52

S… Speaker 1 (Lesson 4 with audio)

payment or performance.

0:54

S… Speaker 3 (Lesson 4 with audio)

In 1232,

0:58

S… Speaker 1 (Lesson 4 with audio)

payment means not only the delivery of money but also

1:02

S… Speaker 1 (Lesson 4 with audio)

the performance in any other manner of an obligation.

1:05

S… Speaker 1 (Lesson 4 with audio)

Siyempre,

1:06

S… Speaker 1 (Lesson 4 with audio)

tayo ang iniisip lagi natin,

1:09

S… Speaker 1 (Lesson 4 with audio)

pagbayad,

1:10

S… Speaker 1 (Lesson 4 with audio)

payment,

1:11

S… Speaker 1 (Lesson 4 with audio)

pinag -uusapan,

1:12

S… Speaker 1 (Lesson 4 with audio)

money.

1:13

S… Speaker 1 (Lesson 4 with audio)

Pabayaran mo ng pera.

1:15

S… Speaker 1 (Lesson 4 with audio)

But,

1:16

S… Speaker 1 (Lesson 4 with audio)

for the sake of...

1:20

S… Speaker 1 (Lesson 4 with audio)

Itong pinag -aaralan natin,

1:22

S… Speaker 1 (Lesson 4 with audio)

law on obligations and contracts,

1:24

S… Speaker 1 (Lesson 4 with audio)

hindi lang pera ang pwedeng ipangbayad.

1:27

S… Speaker 1 (Lesson 4 with audio)

Payment means not only the delivery of money,

1:31

S… Speaker 1 (Lesson 4 with audio)

pwedeng performance of a service or

1:35

S… Speaker 1 (Lesson 4 with audio)

any other manner of an obligation.

1:37

S… Speaker 1 (Lesson 4 with audio)

So, alamin natin itong payment.

1:41

S… Speaker 1 (Lesson 4 with audio)

Payment,

1:42

S… Speaker 1 (Lesson 4 with audio)

the fulfillment of the obligation by the realization of the purposes

1:46

S… Speaker 1 (Lesson 4 with audio)

for which it was constituted.

1:48

S… Speaker 1 (Lesson 4 with audio)

So, it may consist not only in the delivery of money but also

1:52

S… Speaker 1 (Lesson 4 with audio)

giving of a thing other than money,

1:55

S… Speaker 1 (Lesson 4 with audio)

the doing of an act or not doing of an act.

1:58

S… Speaker 1 (Lesson 4 with audio)

So,

1:58

S… Speaker 1 (Lesson 4 with audio)

pwede siya pera.

2:01

S… Speaker 1 (Lesson 4 with audio)

Yun yung usual nating nakikita na payment.

2:04

S… Speaker 1 (Lesson 4 with audio)

Pwede rin na ipangbayad mo yung gamit

2:08

S… Speaker 1 (Lesson 4 with audio)

mo.

2:09

S… Speaker 1 (Lesson 4 with audio)

pwede rin naman ipambayad mo yung servisyo mo.

2:12

S… Speaker 1 (Lesson 4 with audio)

O kaya naman,

2:14

S… Speaker 1 (Lesson 4 with audio)

if you are restrained to do something,

2:17

S… Speaker 1 (Lesson 4 with audio)

sasabihin sa 'yo,

2:18

S… Speaker 1 (Lesson 4 with audio)

o wag mong lagyan ng ganito yan,

2:20

S… Speaker 1 (Lesson 4 with audio)

yun na yung bayad mo dun sa utang mo.

2:22

S… Speaker 1 (Lesson 4 with audio)

Payment pa rin yun.

2:25

S… Speaker 1 (Lesson 4 with audio)

In Article 1233,

2:27

S… Speaker 1 (Lesson 4 with audio)

a debt shall not be understood to have been paid unless the thing

2:32

S… Speaker 1 (Lesson 4 with audio)

or service in which the obligation consists

2:34

S… Speaker 1 (Lesson 4 with audio)

has been completely delivered or rendered as the case may be.

2:39

S… Speaker 1 (Lesson 4 with audio)

Characteristics of payment.

2:40

S… Speaker 1 (Lesson 4 with audio)

Ito yung 1233,

2:41

S… Speaker 1 (Lesson 4 with audio)

it talks about characteristics of payment.

2:44

S… Speaker 1 (Lesson 4 with audio)

Sabi niya,

2:45

S… Speaker 1 (Lesson 4 with audio)

hindi daw siya dapat

2:49

S… Speaker 1 (Lesson 4 with audio)

i -treat as bayad na unless

2:53

S… Speaker 1 (Lesson 4 with audio)

completely delivered or rendered yung

2:57

S… Speaker 1 (Lesson 4 with audio)

kailangan mong i -deliver or kailangan mong i -render as the case

3:01

S… Speaker 1 (Lesson 4 with audio)

maybe.

3:02

S… Speaker 1 (Lesson 4 with audio)

Yung characteristics of payment are first,

3:06

S… Speaker 1 (Lesson 4 with audio)

dapat may integrity.

3:08

S… Speaker 1 (Lesson 4 with audio)

It must be completely made.

3:10

S… Speaker 1 (Lesson 4 with audio)

As said nga dito sa 1233,

3:12

S… Speaker 1 (Lesson 4 with audio)

dapat complete.

3:13

S… Speaker 1 (Lesson 4 with audio)

Ano yung exception ng completion?

3:16

S… Speaker 1 (Lesson 4 with audio)

First,

3:18

S… Speaker 1 (Lesson 4 with audio)

substantial performance performed in good faith.

3:22

S… Speaker 1 (Lesson 4 with audio)

estopel,

3:23

S… Speaker 1 (Lesson 4 with audio)

and the debt is partly liquidated and partly unliquidated.

3:27

S… Speaker 1 (Lesson 4 with audio)

These three exceptions,

3:29

S… Speaker 1 (Lesson 4 with audio)

aarali natin sa next slides.

3:34

S… Speaker 1 (Lesson 4 with audio)

Second characteristic of payment identity must consist

3:38

S… Speaker 1 (Lesson 4 with audio)

the performance of the very thing due.

3:40

S… Speaker 1 (Lesson 4 with audio)

Kung ang utang mo,

3:42

S… Speaker 1 (Lesson 4 with audio)

sabi mo,

3:43

S… Speaker 1 (Lesson 4 with audio)

babayaran mo siya nung kotse mong pula

3:47

S… Speaker 1 (Lesson 4 with audio)

na may plate number or something like that,

3:50

S… Speaker 1 (Lesson 4 with audio)

yun yung dapat mong i -deliver.

3:52

S… Speaker 1 (Lesson 4 with audio)

If hindi yun yung din -deliver mo,

3:55

S… Speaker 1 (Lesson 4 with audio)

hindi dapat ma -regard yung ginawa mo as payment.

3:59

S… Speaker 4 (Lesson 4 with audio)

So,

4:00

S… Speaker 1 (Lesson 4 with audio)

unless...

4:01

S… Speaker 1 (Lesson 4 with audio)

Tinanggap ni kreditor,

4:02

S… Speaker 1 (Lesson 4 with audio)

no? Nang hindi siya nagreklamo.

4:05

S… Speaker 1 (Lesson 4 with audio)

That will fall under estopel.

4:09

S… Speaker 2 (Lesson 4 with audio)

So,

4:11

S… Speaker 1 (Lesson 4 with audio)

Indivisibility, it must be in its entirety.

4:14

S… Speaker 1 (Lesson 4 with audio)

Ito yung third na characteristic of payment.

4:17

S… Speaker 1 (Lesson 4 with audio)

Hindi dapat kung ang utang mo ay 5 ,000,

4:20

S… Speaker 1 (Lesson 4 with audio)

ang usapan nyo,

4:22

S… Speaker 1 (Lesson 4 with audio)

bubibigay mo ng buo yun,

4:23

S… Speaker 1 (Lesson 4 with audio)

tapos ngayon ang binibigay mo 2 ,500 lang.

4:26

S… Speaker 5 (Lesson 4 with audio)

Mars,

4:27

S… Speaker 1 (Lesson 4 with audio)

kalahati muna.

4:28

S… Speaker 1 (Lesson 4 with audio)

Wala kasing ano ngayon yung pare mo.

4:30

S… Speaker 1 (Lesson 4 with audio)

Pwede bang ganon?

4:31

S… Speaker 1 (Lesson 4 with audio)

Hindi pwede yun.

4:32

S… Speaker 1 (Lesson 4 with audio)

Kasi ang usapan nyo,

4:35

S… Speaker 1 (Lesson 4 with audio)

Nung umutang ka,

4:36

S… Speaker 1 (Lesson 4 with audio)

babayaran mo ng buo yung 5 ,000.

4:38

S… Speaker 1 (Lesson 4 with audio)

Hindi ka po pwedeng magbayad ng kalahati lang dahil,

4:42

S… Speaker 1 (Lesson 4 with audio)

for some circumstances,

4:44

S… Speaker 1 (Lesson 4 with audio)

beyond the control of the creditor.

4:47

S… Speaker 1 (Lesson 4 with audio)

Pupwede ba naman niyang

4:51

S… Speaker 1 (Lesson 4 with audio)

tanggapin yung kalahati na lang?

4:53

S… Speaker 1 (Lesson 4 with audio)

Tapos, kailan pa niya matatanggap ulit yung kalahati?

4:56

S… Speaker 1 (Lesson 4 with audio)

So, dapat,

4:57

S… Speaker 1 (Lesson 4 with audio)

to be...

5:00

S… Speaker 1 (Lesson 4 with audio)

regarded as paid.

5:01

S… Speaker 1 (Lesson 4 with audio)

At para tanggapin ni creditor,

5:04

S… Speaker 1 (Lesson 4 with audio)

dapat buo.

5:05

S… Speaker 1 (Lesson 4 with audio)

Unless tinanggap nga niya at hindi siya nagreklamo.

5:09

S… Speaker 1 (Lesson 4 with audio)

But,

5:10

S… Speaker 1 (Lesson 4 with audio)

payment in general must

5:15

S… Speaker 1 (Lesson 4 with audio)

have integrity.

5:16

S… Speaker 1 (Lesson 4 with audio)

Dapat kompleto.

5:17

S… Speaker 1 (Lesson 4 with audio)

Must have identity.

5:23

S… Speaker 1 (Lesson 4 with audio)

The very thing due,

5:25

S… Speaker 1 (Lesson 4 with audio)

yun yung i -deliver.

5:27

S… Speaker 2 (Lesson 4 with audio)

And,

5:28

S… Speaker 1 (Lesson 4 with audio)

dapat indivisible.

5:30

S… Speaker 1 (Lesson 4 with audio)

Hindi siya dapat staggered ang payment kung dapat buo

5:34

S… Speaker 1 (Lesson 4 with audio)

yung i -deliver mo.

5:36

S… Speaker 1 (Lesson 4 with audio)

Like, kung kotse nga yung i -deliver mo,

5:38

S… Speaker 1 (Lesson 4 with audio)

hindi rin talaga po pwedeng hati -hati.

5:41

S… Speaker 1 (Lesson 4 with audio)

Dapat buo.

5:42

S… Speaker 1 (Lesson 4 with audio)

Kahit naman pera eh.

5:44

S… Speaker 1 (Lesson 4 with audio)

Kahit divisible ang money,

5:47

S… Speaker 1 (Lesson 4 with audio)

if sa usapan ninyo,

5:48

S… Speaker 1 (Lesson 4 with audio)

dapat buo mong bayaran,

5:50

S… Speaker 1 (Lesson 4 with audio)

buo mo dapat bayaran.

5:55

S… Speaker 1 (Lesson 4 with audio)

So, doctrine of substantial performance is one ito sa

5:59

S… Speaker 1 (Lesson 4 with audio)

exception ng integrity,

6:02

S… Speaker 1 (Lesson 4 with audio)

yung pagbabayad ng kompleto.

6:04

S… Speaker 1 (Lesson 4 with audio)

In Article 1234,

6:06

S… Speaker 1 (Lesson 4 with audio)

if the obligation has been substantially performed in good faith,

6:09

S… Speaker 1 (Lesson 4 with audio)

the obligor may recover as though there had been a strength.

6:18

S… Speaker 1 (Lesson 4 with audio)

So,

6:19

S… Speaker 1 (Lesson 4 with audio)

requisites nito,

6:20

S… Speaker 1 (Lesson 4 with audio)

there must be substantial performance and the obligor must be in good

6:24

S… Speaker 4 (Lesson 4 with audio)

faith.

6:25

S… Speaker 4 (Lesson 4 with audio)

So,

6:25

S… Speaker 1 (Lesson 4 with audio)

kapag kunyari,

6:26

S… Speaker 1 (Lesson 4 with audio)

ang dapat mong i -deliver is

6:30

S… Speaker 1 (Lesson 4 with audio)

50 cabans of rice.

6:32

S… Speaker 1 (Lesson 4 with audio)

So,

6:33

S… Speaker 1 (Lesson 4 with audio)

sinakay mo na sa elf si 50 cabans of rice,

6:37

S… Speaker 1 (Lesson 4 with audio)

no?

6:39

S… Speaker 1 (Lesson 4 with audio)

Upon delivery,

6:40

S… Speaker 1 (Lesson 4 with audio)

meron palang nahulog na isang

6:44

S… Speaker 1 (Lesson 4 with audio)

kaban.

6:46

S… Speaker 1 (Lesson 4 with audio)

Hindi mo napansin.

6:48

S… Speaker 1 (Lesson 4 with audio)

Hindi napansin ng driver.

6:49

S… Speaker 1 (Lesson 4 with audio)

So, pagdating doon,

6:51

S… Speaker 1 (Lesson 4 with audio)

49 na lang yung kavans of rice.

6:54

S… Speaker 1 (Lesson 4 with audio)

So,

6:55

S… Speaker 1 (Lesson 4 with audio)

sabi niya, ay sir,

6:56

S… Speaker 1 (Lesson 4 with audio)

hindi ko po napansin na nawala yung isa.

6:59

S… Speaker 1 (Lesson 4 with audio)

Ba't kanina,

7:00

S… Speaker 1 (Lesson 4 with audio)

kompleto po yan.

7:01

S… Speaker 1 (Lesson 4 with audio)

So, may good faith naman siya dahil kompleto naman talaga yung

7:05

S… Speaker 1 (Lesson 4 with audio)

pinak nila doon sa elf.

7:08

S… Speaker 1 (Lesson 4 with audio)

However, nahulog yung isa.

7:09

S… Speaker 1 (Lesson 4 with audio)

Hindi...

7:12

S… Speaker 1 (Lesson 4 with audio)

hindi nila napansin at wala namang nagsabi sa kanila na nahulog

7:16

S… Speaker 1 (Lesson 4 with audio)

yung isa.

7:17

S… Speaker 1 (Lesson 4 with audio)

So, yun,

7:19

S… Speaker 1 (Lesson 4 with audio)

pwedeng substantial na yung performance niya kasi 49

7:24

S… Speaker 1 (Lesson 4 with audio)

naman.

7:24

S… Speaker 1 (Lesson 4 with audio)

So, ang gagawin,

7:25

S… Speaker 1 (Lesson 4 with audio)

ang babayaran mo ni creditor sa

7:29

S… Speaker 1 (Lesson 4 with audio)

kanya is yung whole obligation less yung

7:35

S… Speaker 1 (Lesson 4 with audio)

value nung isang nahulog.

7:36

S… Speaker 1 (Lesson 4 with audio)

So, less damages suffered by the obliges.

7:39

S… Speaker 1 (Lesson 4 with audio)

Obliges si creditor yun.

7:45

S… Speaker 1 (Lesson 4 with audio)

So,

7:46

S… Speaker 1 (Lesson 4 with audio)

49 na lang nakavans yung babayaran ni Oblige.

7:50

S… Speaker 3 (Lesson 4 with audio)

So,

7:51

S… Speaker 1 (Lesson 4 with audio)

pwede itong tanggapin kasi may substantial performance.

7:54

S… Speaker 1 (Lesson 4 with audio)

So,

7:55

S… Speaker 1 (Lesson 4 with audio)

Doctrine of Estopel,

7:56

S… Speaker 1 (Lesson 4 with audio)

second exception siya ng integrity

8:01

S… Speaker 1 (Lesson 4 with audio)

or completeness.

8:04

S… Speaker 1 (Lesson 4 with audio)

Article 1235,

8:05

S… Speaker 1 (Lesson 4 with audio)

when the obligee accepts the performance knowing its incompleteness

8:10

S… Speaker 1 (Lesson 4 with audio)

or irregularity and without expressing any protest or objection,

8:14

S… Speaker 1 (Lesson 4 with audio)

the obligation is deemed fully complied with.

8:17

S… Speaker 2 (Lesson 4 with audio)

So,

8:17

S… Speaker 1 (Lesson 4 with audio)

itong estupel,

8:18

S… Speaker 1 (Lesson 4 with audio)

si creditor or si obligee na yung may sala

8:24

S… Speaker 1 (Lesson 4 with audio)

kung bakit hindi.

8:26

S… Speaker 1 (Lesson 4 with audio)

kung bakit natanggap niya ng hindi kumpleto yung idedeliver

8:31

S… Speaker 1 (Lesson 4 with audio)

sa kanya.

8:32

S… Speaker 1 (Lesson 4 with audio)

Requisites,

8:32

S… Speaker 1 (Lesson 4 with audio)

the obligee knows that the performance is incomplete or irregular.

8:36

S… Speaker 1 (Lesson 4 with audio)

He accepts the performance without expressing any protest

8:40

S… Speaker 1 (Lesson 4 with audio)

or objection.

8:42

S… Speaker 1 (Lesson 4 with audio)

So, like yung ating example kanina,

8:46

S… Speaker 1 (Lesson 4 with audio)

50 cabans of rice ang idedeliver.

8:50

S… Speaker 1 (Lesson 4 with audio)

However,

8:51

S… Speaker 3 (Lesson 4 with audio)

kulang ng

8:57

S… Speaker 1 (Lesson 4 with audio)

O kaya, kalahating kaban lang yung isang

9:02

S… Speaker 3 (Lesson 4 with audio)

sako.

9:02

S… Speaker 1 (Lesson 4 with audio)

Kulang yung laman.

9:04

S… Speaker 1 (Lesson 4 with audio)

Pero,

9:04

S… Speaker 1 (Lesson 4 with audio)

tinanggap pa rin ni creditor or ni obligee.

9:08

S… Speaker 2 (Lesson 4 with audio)

So,

9:09

S… Speaker 1 (Lesson 4 with audio)

sabi niya, sige,

9:10

S… Speaker 1 (Lesson 4 with audio)

okay na yan.

9:10

S… Speaker 1 (Lesson 4 with audio)

Kapag ganun,

9:12

S… Speaker 1 (Lesson 4 with audio)

meron na siyang doctrine of estopel.

9:15

S… Speaker 1 (Lesson 4 with audio)

Binayara niya ng buo,

9:16

S… Speaker 1 (Lesson 4 with audio)

tapos alam niya namang kulang yung diniliver sa kanya.

9:21

S… Speaker 1 (Lesson 4 with audio)

Dapat alam niya,

9:24

S… Speaker 1 (Lesson 4 with audio)

no? Oblige knows the performance is incomplete or irregular and

9:28

S… Speaker 1 (Lesson 4 with audio)

he accepts the performance without expressing any protest or

9:32

S… Speaker 1 (Lesson 4 with audio)

objection.

9:32

S… Speaker 1 (Lesson 4 with audio)

Anong pinagkaiba niya dito sa doctrine of substantial performance?

9:36

S… Speaker 1 (Lesson 4 with audio)

Dito,

9:37

S… Speaker 1 (Lesson 4 with audio)

sa doctrine of estopel,

9:39

S… Speaker 1 (Lesson 4 with audio)

tinanggap niya

9:42

S… Speaker 1 (Lesson 4 with audio)

yung delivery without expressing protest.

9:46

S… Speaker 1 (Lesson 4 with audio)

Hindi siya nagprotesta na,

9:48

S… Speaker 1 (Lesson 4 with audio)

oh, kulang naman yan eh.

9:49

S… Speaker 1 (Lesson 4 with audio)

Dito,

9:51

S… Speaker 1 (Lesson 4 with audio)

okay na sa doctrine of estopel,

9:54

S… Speaker 1 (Lesson 4 with audio)

okay na sa kanya kahit kulang.

9:56

S… Speaker 1 (Lesson 4 with audio)

Knowing na kulang,

9:59

S… Speaker 1 (Lesson 4 with audio)

tinanggap pa rin.

10:00

S… Speaker 1 (Lesson 4 with audio)

niya at binayara niya.

10:01

S… Speaker 1 (Lesson 4 with audio)

Kapag binayara niya,

10:02

S… Speaker 1 (Lesson 4 with audio)

hindi niya na po pwedeng singilin.

10:04

S… Speaker 1 (Lesson 4 with audio)

Wala na siyang damages dito.

10:06

S… Speaker 1 (Lesson 4 with audio)

Kasi,

10:06

S… Speaker 1 (Lesson 4 with audio)

tinanggap niya.

10:07

S… Speaker 1 (Lesson 4 with audio)

With doctrine of substantial performance,

10:11

S… Speaker 1 (Lesson 4 with audio)

merong ileles yung damages suffered

10:15

S… Speaker 1 (Lesson 4 with audio)

by the Obligee kasi hindi naman siya estoked.

10:18

S… Speaker 1 (Lesson 4 with audio)

Pwedeng sinabi niya,

10:20

S… Speaker 1 (Lesson 4 with audio)

o bakit 49 lang to?

10:21

S… Speaker 1 (Lesson 4 with audio)

Dahil may good faith naman sa performance ni Obligor

10:25

S… Speaker 1 (Lesson 4 with audio)

or ni Detor,

10:28

S… Speaker 1 (Lesson 4 with audio)

Ile -less yung damages pero fully paid

10:33

S… Speaker 1 (Lesson 4 with audio)

pa rin.

10:33

S… Speaker 1 (Lesson 4 with audio)

I mean, paid pa rin in terms of law.

10:39

S… Speaker 1 (Lesson 4 with audio)

So, extinguished na yung obligation.

10:41

S… Speaker 1 (Lesson 4 with audio)

Kaya lang,

10:42

S… Speaker 1 (Lesson 4 with audio)

ang babayaran lang ni Obligi,

10:44

S… Speaker 1 (Lesson 4 with audio)

yun lang natanggap niya.

10:46

S… Speaker 1 (Lesson 4 with audio)

With doctrine of estopel,

10:48

S… Speaker 1 (Lesson 4 with audio)

ang babayaran ni Obligi yung buo since hindi naman

10:53

S… Speaker 1 (Lesson 4 with audio)

siya nagreklamo doon sa kulang.

10:57

S… Speaker 1 (Lesson 4 with audio)

Pag sa doctrine of estopel,

10:59

S… Speaker 1 (Lesson 4 with audio)

hindi natin kailangang hanapin yung good faith ni obligor.

11:03

S… Speaker 1 (Lesson 4 with audio)

Kasi si creditor naman,

11:05

S… Speaker 1 (Lesson 4 with audio)

tinanggap niya kahit kulang.

11:07

S… Speaker 5 (Lesson 4 with audio)

Persons from whom

11:11

S… Speaker 1 (Lesson 4 with audio)

the creditor must accept payment.

11:13

S… Speaker 1 (Lesson 4 with audio)

So, in Article 1236,

11:15

S… Speaker 1 (Lesson 4 with audio)

the creditor is not bound to accept payment or performance by a third person.

11:20

S… Speaker 1 (Lesson 4 with audio)

who has no interest in the fulfillment of the obligation unless there

11:24

S… Speaker 1 (Lesson 4 with audio)

is a stipulation to the contrary.

11:26

S… Speaker 1 (Lesson 4 with audio)

Whoever pays for another may demand from the debtor

11:30

S… Speaker 1 (Lesson 4 with audio)

what he has paid except that if he paid without the knowledge or against the

11:34

S… Speaker 1 (Lesson 4 with audio)

will of the debtor,

11:35

S… Speaker 1 (Lesson 4 with audio)

he can recover only insofar as the payment has been beneficial

11:39

S… Speaker 1 (Lesson 4 with audio)

to the debtor.

11:40

S… Speaker 1 (Lesson 4 with audio)

So dito,

11:41

S… Speaker 1 (Lesson 4 with audio)

kanino lang dapat tumanggap si kreditor

11:45

S… Speaker 1 (Lesson 4 with audio)

ng bayad?

11:47

S… Speaker 5 (Lesson 4 with audio)

I mean,

11:47

S… Speaker 1 (Lesson 4 with audio)

pwede niyang tanggapin yung bayad ng iba,

11:49

S… Speaker 1 (Lesson 4 with audio)

no? But,

11:50

S… Speaker 1 (Lesson 4 with audio)

hindi siya po pwedeng i -compel ng lahat na tanggapin yung

11:55

S… Speaker 1 (Lesson 4 with audio)

bayad.

11:55

S… Speaker 1 (Lesson 4 with audio)

Ito lang yung mga po pwedeng mag -compel sa kanya.

11:58

S… Speaker 1 (Lesson 4 with audio)

O,

11:59

S… Speaker 1 (Lesson 4 with audio)

creditor, tanggapin mo na ito para ma -extinguish na yung obligation ni debtor.

12:03

S… Speaker 1 (Lesson 4 with audio)

So, the creditor is bound to accept payment or performance from the

12:08

S… Speaker 1 (Lesson 4 with audio)

debtor himself.

12:10

S… Speaker 1 (Lesson 4 with audio)

Any person who has an interest in the obligation po pwedeng tagapagmana

12:15

S… Speaker 1 (Lesson 4 with audio)

ni debtor,

12:16

S… Speaker 1 (Lesson 4 with audio)

assignee ni debtor,

12:17

S… Speaker 1 (Lesson 4 with audio)

ahente ni debtor.

12:19

S… Speaker 1 (Lesson 4 with audio)

Yun, kapag nagbabayad yung ahente ni debtor,

12:22

S… Speaker 1 (Lesson 4 with audio)

kailangan tanggapin ni creditor para ma -extinguish na yung obligation ni

12:26

S… Speaker 1 (Lesson 4 with audio)

debtor.

12:28

S… Speaker 1 (Lesson 4 with audio)

And third,

12:29

S… Speaker 1 (Lesson 4 with audio)

a third person who has no interest in the obligation when there is a stipulation

12:33

S… Speaker 1 (Lesson 4 with audio)

that he can make payment.

12:35

S… Speaker 1 (Lesson 4 with audio)

So, nung nagka -utangan sila,

12:38

S… Speaker 1 (Lesson 4 with audio)

nagkaroon ng agreement between debtor and creditor,

12:41

S… Speaker 1 (Lesson 4 with audio)

ang sabi nila,

12:42

S… Speaker 1 (Lesson 4 with audio)

Creditor,

12:45

S… Speaker 1 (Lesson 4 with audio)

tanggapin mo yung bayad ng kahit na

12:49

S… Speaker 1 (Lesson 4 with audio)

sino na magbabayad.

12:51

S… Speaker 1 (Lesson 4 with audio)

on my behalf.

12:52

S… Speaker 2 (Lesson 4 with audio)

So,

12:53

S… Speaker 1 (Lesson 4 with audio)

yun.

12:53

S… Speaker 1 (Lesson 4 with audio)

Kahit na stranger,

12:54

S… Speaker 1 (Lesson 4 with audio)

pupwedeng tanggapin ni creditor since pinag -usapan nila yun.

12:58

S… Speaker 1 (Lesson 4 with audio)

Nag -agree sila na pupwede yun.

13:00

S… Speaker 1 (Lesson 4 with audio)

But,

13:01

S… Speaker 1 (Lesson 4 with audio)

dapat may stipulation

13:05

S… Speaker 1 (Lesson 4 with audio)

or may agreement sila na pupwede ang third person

13:09

S… Speaker 1 (Lesson 4 with audio)

na wala namang kinalaman dun sa utangan nila.

13:12

S… Speaker 1 (Lesson 4 with audio)

But,

13:13

S… Speaker 1 (Lesson 4 with audio)

in general,

13:14

S… Speaker 1 (Lesson 4 with audio)

itong tatlo na to,

13:16

S… Speaker 1 (Lesson 4 with audio)

ang

13:18

S… Speaker 1 (Lesson 4 with audio)

bound si creditor na tanggapin yung binabayad nila.

13:21

S… Speaker 1 (Lesson 4 with audio)

Other than these persons na nakalagay dito,

13:24

S… Speaker 1 (Lesson 4 with audio)

hindi bound si creditor.

13:27

S… Speaker 1 (Lesson 4 with audio)

Kunyari,

13:28

S… Speaker 1 (Lesson 4 with audio)

kaaway ni creditor yung magbabayad on behalf

13:32

S… Speaker 1 (Lesson 4 with audio)

of

13:36

S… Speaker 1 (Lesson 4 with audio)

debtor, hindi siya bound na tanggapin yun.

13:38

S… Speaker 1 (Lesson 4 with audio)

Kung wala namang kinalaman yung kaaway niya dun sa utang ni debtor,

13:42

S… Speaker 1 (Lesson 4 with audio)

gusto lang mamuisit na siya yung magbayad.

13:46

S… Speaker 1 (Lesson 4 with audio)

O kaya, meron lang type na type si creditor.

13:50

S… Speaker 1 (Lesson 4 with audio)

Sabi niya,

13:51

S… Speaker 1 (Lesson 4 with audio)

ay ako na lang magbabayad ng utang ni debtor para may transaction kami ni creditor.

13:55

S… Speaker 1 (Lesson 4 with audio)

Eh, ayaw ni creditor kasi nga parang stalker.

13:59

S… Speaker 1 (Lesson 4 with audio)

So,

14:00

S… Speaker 1 (Lesson 4 with audio)

Bound ba si creditor na tanggapin yung binabayad ni stalker?

14:04

S… Speaker 1 (Lesson 4 with audio)

Hindi.

14:05

S… Speaker 1 (Lesson 4 with audio)

Kasi nga,

14:06

S… Speaker 1 (Lesson 4 with audio)

it's his or her choice kung sino

14:10

S… Speaker 1 (Lesson 4 with audio)

ang

14:13

S… Speaker 1 (Lesson 4 with audio)

makakatransact niya,

14:14

S… Speaker 1 (Lesson 4 with audio)

no? Unless si detor mismo yun or any person

14:18

S… Speaker 1 (Lesson 4 with audio)

who has interest in the obligation.

14:20

S… Speaker 1 (Lesson 4 with audio)

Kunyari, patagapagmana ni detor or ahente nga ni detor

14:24

S… Speaker 1 (Lesson 4 with audio)

or yung third person po pwede kung may

14:28

S… Speaker 1 (Lesson 4 with audio)

stipulation na dun sa agreement nila na po pwedeng tumanggap si

14:32

S… Speaker 1 (Lesson 4 with audio)

creditor ng bayad ng stranger.

14:35

S… Speaker 1 (Lesson 4 with audio)

So, effect of payment by a third person.

14:38

S… Speaker 1 (Lesson 4 with audio)

If made without knowledge or against the will of the debtor,

14:41

S… Speaker 1 (Lesson 4 with audio)

the payer can recover only insofar as the payment has

14:45

S… Speaker 1 (Lesson 4 with audio)

been beneficial to the debtor.

14:47

S… Speaker 1 (Lesson 4 with audio)

Kung walang alam si debtor,

14:49

S… Speaker 1 (Lesson 4 with audio)

kunyari,

14:50

S… Speaker 1 (Lesson 4 with audio)

ako,

14:51

S… Speaker 1 (Lesson 4 with audio)

sabi ko, ay,

14:51

S… Speaker 1 (Lesson 4 with audio)

kawawa naman itong si debtor,

14:54

S… Speaker 1 (Lesson 4 with audio)

bayaran ko na lang yung utang niya.

14:56

S… Speaker 1 (Lesson 4 with audio)

Hindi ko sinabi kay debtor na babayar.

15:00

S… Speaker 1 (Lesson 4 with audio)

ko yung utang niya.

15:00

S… Speaker 1 (Lesson 4 with audio)

So, wala namang consent si Detor na ako na magbayad

15:05

S… Speaker 1 (Lesson 4 with audio)

ng utang niya.

15:05

S… Speaker 1 (Lesson 4 with audio)

Ang mangyayari,

15:08

S… Speaker 1 (Lesson 4 with audio)

pag binayaran ko yung utang ni Detor,

15:10

S… Speaker 1 (Lesson 4 with audio)

kung ano lang yung benefit na tanggap ni

15:14

S… Speaker 1 (Lesson 4 with audio)

Detor dun sa pagbabayad ko ng utang,

15:16

S… Speaker 1 (Lesson 4 with audio)

yun lang yung ibabayad niya sa akin.

15:18

S… Speaker 1 (Lesson 4 with audio)

Yung po pwede kong ma -reimburse sa kanya.

15:21

S… Speaker 1 (Lesson 4 with audio)

Kunyari,

15:23

S… Speaker 1 (Lesson 4 with audio)

10 ,000 yung utang niya.

15:24

S… Speaker 1 (Lesson 4 with audio)

Tapos,

15:28

S… Speaker 1 (Lesson 4 with audio)

Sabi ni creditor kay debtor,

15:30

S… Speaker 1 (Lesson 4 with audio)

debtor,

15:31

S… Speaker 1 (Lesson 4 with audio)

kalahati na lang yung ibayad mo.

15:34

S… Speaker 1 (Lesson 4 with audio)

So, 5 ,000 na lang supposed to be yung dapat bayaran ni debtor.

15:37

S… Speaker 1 (Lesson 4 with audio)

E itong si stranger,

15:39

S… Speaker 1 (Lesson 4 with audio)

pida -bida,

15:41

S… Speaker 1 (Lesson 4 with audio)

binayaran niya yung buong 10 ,000 kay creditor.

15:46

S… Speaker 1 (Lesson 4 with audio)

O, pwede ba 5 ,000 lang naman na yung dapat bayaran ni debtor

15:50

S… Speaker 1 (Lesson 4 with audio)

dahil kinancel na o niremit na ni creditor

15:55

S… Speaker 1 (Lesson 4 with audio)

yung kalahate.

15:56

S… Speaker 1 (Lesson 4 with audio)

So,

15:56

S… Speaker 1 (Lesson 4 with audio)

ngayon, ang pupwede na lang ma -reinverse ni stranger kay debtor ay 5

16:02

S… Speaker 1 (Lesson 4 with audio)

,000 pesos kahit 10 ,000 pesos yung binayad niya.

16:08

S… Speaker 1 (Lesson 4 with audio)

Si stranger,

16:09

S… Speaker 1 (Lesson 4 with audio)

ang pupwede niyang gawin is to ask creditor

16:14

S… Speaker 1 (Lesson 4 with audio)

na ibalik sa kanya yung 5 ,000 since meron ng quasi

16:18

S… Speaker 1 (Lesson 4 with audio)

-contract.

16:19

S… Speaker 3 (Lesson 4 with audio)

That would

16:23

S… Speaker 1 (Lesson 4 with audio)

be solution in debit on the part of the creditor.

16:26

S… Speaker 1 (Lesson 4 with audio)

Kung tatanggapin niya yung buong 10 ,000 knowing na kinancel na niya

16:30

S… Speaker 1 (Lesson 4 with audio)

yung kalahati.

16:32

S… Speaker 1 (Lesson 4 with audio)

So, if made with knowledge of the debtor,

16:34

S… Speaker 1 (Lesson 4 with audio)

payer shall have the right of reimbursement and subrogation.

16:38

S… Speaker 4 (Lesson 4 with audio)

So,

16:39

S… Speaker 1 (Lesson 4 with audio)

kapag walang alam si debtor or hindi naman siya pumayag

16:43

S… Speaker 1 (Lesson 4 with audio)

si stranger,

16:44

S… Speaker 1 (Lesson 4 with audio)

binayaran yung utang niya,

16:46

S… Speaker 1 (Lesson 4 with audio)

what stranger's

16:50

S… Speaker 1 (Lesson 4 with audio)

right would be is to be reimbursed.

16:53

S… Speaker 1 (Lesson 4 with audio)

Mare -refund niya or mare -reimbursed niya yung binayad

16:57

S… Speaker 1 (Lesson 4 with audio)

niya.

16:59

S… Speaker 1 (Lesson 4 with audio)

hanggang doon sa benefit na natanggap ni debtor.

17:03

S… Speaker 1 (Lesson 4 with audio)

Pero,

17:04

S… Speaker 1 (Lesson 4 with audio)

if made with knowledge of the debtor,

17:06

S… Speaker 1 (Lesson 4 with audio)

payer shall have the right of reimbursement and subrogation.

17:11

S… Speaker 1 (Lesson 4 with audio)

So, hindi lang basta mara -reimburse si stranger

17:15

S… Speaker 1 (Lesson 4 with audio)

dun sa binayaran niyang utang ni debtor,

17:18

S… Speaker 1 (Lesson 4 with audio)

but

17:20

S… Speaker 1 (Lesson 4 with audio)

masusobrogate sa kanya kung ano man yung rights ni creditor.

17:23

S… Speaker 1 (Lesson 4 with audio)

Like, kunyari,

17:25

S… Speaker 1 (Lesson 4 with audio)

yung utang ni debtor,

17:26

S… Speaker 1 (Lesson 4 with audio)

it comes with sangla ng kanyang kotse.

17:30

S… Speaker 1 (Lesson 4 with audio)

Nakay...

17:31

S… Speaker 1 (Lesson 4 with audio)

Nakay -creditor yung kotse ni debtor.

17:36

S… Speaker 1 (Lesson 4 with audio)

So, pag binayaran ni stranger,

17:39

S… Speaker 1 (Lesson 4 with audio)

yung utang ni Detor,

17:41

S… Speaker 1 (Lesson 4 with audio)

na alam ni Detor,

17:43

S… Speaker 1 (Lesson 4 with audio)

at pumayag si Detor na bayaran ni stranger yung utang

17:47

S… Speaker 1 (Lesson 4 with audio)

niya, then,

17:48

S… Speaker 1 (Lesson 4 with audio)

hindi lang yung

17:52

S… Speaker 1 (Lesson 4 with audio)

right to be reimbursed ang magkakaroon si stranger,

17:55

S… Speaker 1 (Lesson 4 with audio)

but also the right na hawakan yung nakaprenda

17:59

S… Speaker 1 (Lesson 4 with audio)

na sasakyan ni Detor.

18:01

S… Speaker 1 (Lesson 4 with audio)

So, siya na yung magiging bagong creditor.

18:10

S… Speaker 1 (Lesson 4 with audio)

So, let's compare subrogation and reimbursement as I've

18:14

S… Speaker 1 (Lesson 4 with audio)

mentioned kanina.

18:15

S… Speaker 1 (Lesson 4 with audio)

The substitution of one person or group by another

18:20

S… Speaker 1 (Lesson 4 with audio)

in respect of a debt or insurance claim accompanied by the transfer

18:24

S… Speaker 1 (Lesson 4 with audio)

of any associated rights and duties is called subrogation.

18:28

S… Speaker 1 (Lesson 4 with audio)

So, hindi lang basta reimbursement

18:32

S… Speaker 1 (Lesson 4 with audio)

ng kanyang ibinayad kapag

18:36

S… Speaker 1 (Lesson 4 with audio)

si stranger yung nagbayad.

18:39

S… Speaker 1 (Lesson 4 with audio)

ng utang redactor,

18:40

S… Speaker 1 (Lesson 4 with audio)

hindi lang siya basta mara -reimburse but

18:44

S… Speaker 1 (Lesson 4 with audio)

masusobrogate siya.

18:46

S… Speaker 1 (Lesson 4 with audio)

So, let's distinguish subrogation from reimbursement.

18:51

S… Speaker 1 (Lesson 4 with audio)

The person who pays for the debtor is put into the shoes

18:55

S… Speaker 1 (Lesson 4 with audio)

of the creditor kapag may subrogation.

18:58

S… Speaker 1 (Lesson 4 with audio)

And this happens kapag si stranger binayaran niya yung utang

19:02

S… Speaker 1 (Lesson 4 with audio)

ni debtor with the knowledge and consent of the debtor.

19:06

S… Speaker 1 (Lesson 4 with audio)

Reimbursement naman has merely the right to be refunded.

19:11

S… Speaker 1 (Lesson 4 with audio)

Ito nangyayari kapag si stranger binayaran niya yung utang ni debtor

19:15

S… Speaker 1 (Lesson 4 with audio)

against the will of the debtor or without the knowledge of the debtor.

19:21

S… Speaker 1 (Lesson 4 with audio)

So, in Article 1237,

19:22

S… Speaker 1 (Lesson 4 with audio)

whoever pays on behalf of the debtor without the knowledge or against the will of the

19:27

S… Speaker 1 (Lesson 4 with audio)

latter cannot compel the creditor to subrogate him in

19:31

S… Speaker 1 (Lesson 4 with audio)

his rights such as those arising from a mortgage guarantee

19:35

S… Speaker 1 (Lesson 4 with audio)

or penalty.

19:36

S… Speaker 1 (Lesson 4 with audio)

So, kapag stranger binayaran niya yung utang ni debtor without his

19:40

S… Speaker 1 (Lesson 4 with audio)

knowledge or without his consent,

19:44

S… Speaker 1 (Lesson 4 with audio)

hindi niya po pwedeng kuhanin yung

19:48

S… Speaker 1 (Lesson 4 with audio)

rights ni creditor.

19:50

S… Speaker 1 (Lesson 4 with audio)

Ang meron lang siya is to be reimbursed.

19:53

S… Speaker 1 (Lesson 4 with audio)

Kung kunyari,

19:54

S… Speaker 1 (Lesson 4 with audio)

like kaninang example natin na nakaprenda yung kotse

19:58

S… Speaker 1 (Lesson 4 with audio)

ni

20:00

S… Speaker 1 (Lesson 4 with audio)

ni debtor kay creditor,

20:01

S… Speaker 1 (Lesson 4 with audio)

hindi niya po pwedeng kuhanin yung prenda

20:05

S… Speaker 1 (Lesson 4 with audio)

na sasakyan kay creditor.

20:08

S… Speaker 1 (Lesson 4 with audio)

Yung utang ni debtor makakancel,

20:12

S… Speaker 1 (Lesson 4 with audio)

papwedeng bawiin ni debtor kay creditor yung

20:17

S… Speaker 1 (Lesson 4 with audio)

kanyang sasakyan since cancelled na yung

20:22

S… Speaker 1 (Lesson 4 with audio)

mortgage or yung utang niya.

20:25

S… Speaker 1 (Lesson 4 with audio)

So, extinguish na yung utang niya.

20:27

S… Speaker 1 (Lesson 4 with audio)

However, wala naman siyang alam

20:32

S… Speaker 1 (Lesson 4 with audio)

or hindi naman siya nagbigay ng consent kay stranger.

20:35

S… Speaker 1 (Lesson 4 with audio)

So, yung prenda na yun,

20:37

S… Speaker 1 (Lesson 4 with audio)

hindi po pwedeng malipat kay stranger.

20:39

S… Speaker 1 (Lesson 4 with audio)

That's what Article 1237 talks about.

20:42

S… Speaker 1 (Lesson 4 with audio)

So, reimbursement lang since walang knowledge and walang consent.

20:46

S… Speaker 1 (Lesson 4 with audio)

But,

20:46

S… Speaker 1 (Lesson 4 with audio)

if with knowledge or with consent,

20:49

S… Speaker 1 (Lesson 4 with audio)

consent sa abrogation.

20:51

S… Speaker 1 (Lesson 4 with audio)

Si stranger,

20:53

S… Speaker 1 (Lesson 4 with audio)

siya na yung magiging bagong creditor.

20:55

S… Speaker 1 (Lesson 4 with audio)

So, even the prenda of the car,

20:58

S… Speaker 1 (Lesson 4 with audio)

mapupunta na kay stranger if yung payment niya was with

21:02

S… Speaker 1 (Lesson 4 with audio)

knowledge and with consent of the debtor.

21:07

S… Speaker 1 (Lesson 4 with audio)

deemed donation.

21:08

S… Speaker 1 (Lesson 4 with audio)

In 1238,

21:09

S… Speaker 1 (Lesson 4 with audio)

payment made by third person who does not intend to be reimbursed by the debtor

21:14

S… Speaker 1 (Lesson 4 with audio)

is deemed to be a donation which requires the debtor's consent

21:18

S… Speaker 1 (Lesson 4 with audio)

but the payment is in any case valid as to the creditor who

21:22

S… Speaker 1 (Lesson 4 with audio)

has accepted it.

21:23

S… Speaker 1 (Lesson 4 with audio)

Kung si stranger binayaran niya yung utang ni debtor

21:27

S… Speaker 1 (Lesson 4 with audio)

without the knowledge without

21:34

S… Speaker 1 (Lesson 4 with audio)

Without intending to be reimbursed,

21:37

S… Speaker 1 (Lesson 4 with audio)

sabi niya,

21:37

S… Speaker 1 (Lesson 4 with audio)

babayaran ko na yung utang ni Detor.

21:40

S… Speaker 1 (Lesson 4 with audio)

Nakakaawa naman,

21:42

S… Speaker 1 (Lesson 4 with audio)

ibigay ko na sa kanya yun.

21:44

S… Speaker 1 (Lesson 4 with audio)

So, dapat yun is deemed donation.

21:46

S… Speaker 1 (Lesson 4 with audio)

Para siyang donation.

21:48

S… Speaker 1 (Lesson 4 with audio)

Kasi nga,

21:48

S… Speaker 1 (Lesson 4 with audio)

binabayaran niya na hindi naman niya intention na

21:52

S… Speaker 1 (Lesson 4 with audio)

mabayaran ni Detor.

21:54

S… Speaker 1 (Lesson 4 with audio)

Doon sa ibinayad niyang utang ni Detor.

21:58

S… Speaker 1 (Lesson 4 with audio)

So, yun,

21:59

S… Speaker 1 (Lesson 4 with audio)

parang donation.

Lesson 4 with audio

Buod

Magtanong sa AI Tungkol sa Transcript na Ito