Practice question
A bank relies on a customer’s failure to inspect bills as automatic defeat of recovery. Material facts otherwise match BPI’s established bank lapses, including the omitted serial-number record and causally relevant failure of the required care. Which is sound?
- A customer omission always grants immunity.
- Customer fault must be evaluated with the bank’s established failures rather than treated as automatic complete immunity.
- Last clear chance prohibits examining bank records.
- Any banking loss is automatically split equally.
- Every customer always recovers regardless of proof.
Legal references
- BPI v. Spouses Quiaoit, G.R. No. 199562, January 16, 2019, main decision: https://lawphil.net/judjuris/juri2019/jan2019/gr_199562_2019.html
- Tiu v. Arriesgado, G.R. No. 138060, September 1, 2004, main decision: https://lawphil.net/judjuris/juri2004/sep2004/gr_138060_2004.html
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