Practice question
A bank has negligently debited an account and owes restoration of the amount. It argues that because its honest mistake defeats a particular moral-damages claim, the debit itself becomes lawful and no restoration is owed. Which Areza lesson applies?
- Failure of one damages head validates every bank act
- An honest mistake always extinguishes the deposit
- A bank never restores erroneous deductions
- The duties and remedies must be assessed separately; absence of bad faith does not by itself validate the wrongful debit.
- Only the bank may decide what was paid
Legal references
- Areza v. Express Savings Bank, G.R. No. 176697, September 10, 2014, main decision: https://lawphil.net/judjuris/juri2014/sep2014/gr_176697_2014.html
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