Practice question
A bank grossly misprocesses a visibly regional check and permits early withdrawal. The depositor believes the credited balance is hers, and knowing unjust receipt is not proved. On facts matching Barcellano, is benefit alone enough to compel restitution under unjust enrichment?
- Yes, every account credit creates criminal liability
- Yes, receipt alone decides everything
- Yes, bank negligence is always irrelevant
- Yes, belief is conclusively fraudulent
- No
Legal references
- Civil Code, Articles 19-23, 26, 28, 31-33, 1314, 2177, 2183 and 2187: https://lawphil.net/statutes/repacts/ra1949/ra_386_1949.html
- University of the Philippines v. Philab Industries, Inc., G.R. No. 152411, September 29, 2004, MAIN decision: https://lawphil.net/judjuris/juri2004/sep2004/gr_152411_2004.html
- BDO Unibank, Inc. v. Barcellano y Riego, G.R. No. 261264, February 12, 2026, MAIN decision: https://lawphil.net/judjuris/juri2026/feb2026/gr_261264_2026.html
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