Balucanag Law Office & Consultancy Services

06/03/2024

🔔 REMINDER: 30 DAYS LEFT TO APPLY FOR THE 2024 BAR EXAMS |

The application for the 2024 Bar Examinations closes in 30 days, or on April 5, 2024. To apply, create or update your Bar Applicant Registration System and Tech Assistance (BARISTA) account, complete the online entries, upload the required documents, pay the fee exclusively through the BARISTA, and submit |the printed and signed BARISTA-generated application form along with the required documents to the Office of the Bar Confidant (OBC) within ten (10) calendar days from notice of approval of application. Please be assured that your application will be processed as long as you have uploaded all the mandatory documents and paid the fee in full before the deadline.

For more details, see Bar Bulletin No. 2, dated January 11, 2024, at (https://sc.judiciary.gov.ph/wp-content/uploads/2024/01/Bar-Bulletin-No-2-S-2024.pdf), the Frequently Asked Questions at (https://bit.ly/2024BarExamsFAQs), or access the OBC Helpdesk at (https://bit.ly/2024BarExamsHelpdesk). Applicants may also contact the OBC at (02) 8552 9642 or (02) 8552 9690.

06/02/2024

Happy happy birthday Auntie Dolly!

10/11/2023

Free seminars

The last cycle of iLEAP Plus for the year 2023 is up! Don't let this year end without levelling up your knowledge on . Join the November schedule of FREE IP webinars!

First on November is IP 101: Discovering your IP Rights. Reserve your slots here: https://bit.ly/iLEAP-Plus

31/10/2023

Prayer to Saint Yves, the patron of barristers, solicitors, and jurists. There is a delightful little jingle about Saint Yves: Sanctus Ivo erat Brito, Advocatus et non latro, Res miranda populo. (An advocate and not a bandit, (what) a marvelous thing for the people.)

Prayer:

Lord, have mercy upon us.
Christ have mercy upon us.
Lord, have mercy upon us. Christ, hear us.
Christ, graciously hear us.

Heavenly Father who art God, have mercy upon us.
Son, Redeemer of the world, who art God, have mercy upon us.
Holy Ghost, who art God, have mercy upon us.
Holy Trinity, one God, have mercy upon us.
Holy Mary, Queen of All Saints, pray for us.
Saint Yves, father of the poor, pray for us.
Saint Yves, light of Brittany, pray for us.
Saint Yves, model of charity, pray for us.
Saint Yves, advocate of priests, pray for us.
Saint Yves, servant of the Cross, pray for us.
Saint-Yves, devoted to penitence, pray for us.
Saint Yves, example of all the virtues, pray for us.
Saint Yves, guardian of households, pray for us.
Saint Yves, friend of young people, pray for us.
Saint Yves, companion of adolescents, pray for us.
Saint Yves, protector of widows and orphans, pray for us.
Saint Yves, defender of the innocent, pray for us.
Saint Yves, model of purity, pray for us.
Saint Yves, worker of miracles, pray for us.
Saint Yves, terror of demons, pray for us.
Saint Yves, healer of the sick, pray for us.
Saint Yves, safety of seafarers, pray for us.
Saint Yves, consoler of the afflicted, pray for us.
Saint Yves, provider of food for the hungry, pray for us.
Saint Yves, refuge of the downtrodden, pray for us.
Saint Yves, helper of all who invoke thee, pray for us.
Saint Yves, bright light among men of law, pray for us.

Lamb of God, who takest away the sins of the world, spare us, O Lord.

Lamb of God, who takes away the sins of the world, graciously hear us, O Lord.

Lamb of God, who takest away the sins of the world, have mercy on us.
V. Pray for us, O glorious Saint Yves,
R. That we may be made worthy of the promises of Christ.

Let us pray.

O God, from whom cometh all that is right and just, Thou didst establish Saint Yves as a judge in the midst of his brethren, making him the friend and advocate of the poor. Do Thou make us, by his intercession, steadfast in the pursuit of justice and confident in Thy merciful goodness. Through Christ our Lord. Amen.

Photo: Statue of Ivo of Kermartin, Charles Bridge
By Øyvind Holmstad - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=32991795

27/10/2023

Life insurance, a beacon of financial protection and assurance, knows no bounds when it comes to safeguarding your family's future. It's not just about the policies and premiums; it's about ensuring your loved ones are cared for, even in your absence. 💛

As we journey through life, we cherish every moment with our family and friends. But it's equally crucial to plan for their well-being should the unexpected occur. That's where life insurance steps in. It's a promise, a gesture of love and responsibility, that transcends time and distance.

18/10/2023

Gusto mag assume or kumuha ng pasalo? This article is worth reading.

Ever seen pasalo in real estate listings? Learn more about how to assume balance and see if it fits your homebuying needs.

12/10/2023

Read the latest Supreme Court decision about the responsibility of banks when it comes to depositors' money

SC: BDO Negligent for Allowing Unauthorized Withdrawals |

Banks are required to exercise the highest degree of diligence, along with high standards of integrity and performance in view of its significant role in commercial transactions.

Thus underscored the Supreme Court’s Third Division in a 19-page Decision, penned by Associate Justice Alfredo Benjamin S. Caguioa, denying the Petition for Review on Certiorari filed by Banco de Oro Universal Bank, Inc. (BDO), Vivian Duldulao, and Christine T. Nakanishi. The petition assailed the rulings of the Court of Appeals (CA) and the Regional Trial Court (RTC), which found the petitioners liable to Liza A. Seastres, a depositor in BDO.

In ruling for Seastres, the Supreme Court affirmed the RTC’s factual findings that BDO totally failed to comply with its duty to exercise extraordinary diligence in taking care of Seastres’ bank accounts. The Court reiterated the doctrine established in jurisprudence that as a business affected with public interest and because of the nature of its functions, banks are under obligation to treat the accounts of their depositors with meticulous care, always having in mind the fiduciary nature of their relationship.

In the case of BDO, the Court said that BDO was duty bound to exercise the highest degree of diligence in handling Seastres’ bank accounts and in ascertaining that the signatures in the subject withdrawal slips and manager’s checks were made by Seastres and not by anybody else.

However, the Court found that BDO failed to comply with its own rules and regulations regarding withdrawals made through a representative.
As established during trial, BDO’s own rules and regulations require all withdrawals to be made by the depositor by properly filing out a withdrawal slip. Further, withdrawals made by a person other than the depositor him/herself may be allowed only upon the depositor’s written authorization to be verified by the bank teller.

However, in the case of Seastres, BDO allowed Benaje to personally transact the unauthorized withdrawals without confirming from Seastres the authority of Benaje. The Court noted that the alleged written authorization in favor of Benaje is limited to deposits, inquiries, pick-ups, and printouts on behalf of Seastres. The same authorization did not authorize Benaje to make any withdrawals.

The Supreme Court thus ruled that BDO is solely liable to Seastres for over PhP8,000,000.00 in actual and moral damages, attorney’s fees, and cost of suit, to earn legal interest of six percent per annum from finality of judgment until fully paid.

Read more at https://sc.judiciary.gov.ph/sc-bdo-negligent-for-allowing-unauthorized-withdrawals/. Read the Decision in full at https://sc.judiciary.gov.ph/257151-banco-de-oro-universal-bank-inc-vivian-duldulao-and-christine-nakanishi-vs-liza-a-seastres-and-annabelle-n-benaje/. Read the Dissenting Opinion of Associate Justice Samuel H. Gaerlan at https://sc.judiciary.gov.ph/257151-dissenting-opinion-justice-samuel-h-gaerlan/.

26/07/2023

The finance chief noted that Senate Bill No. 2219 was expected to be signed into law by President Marcos before the second State of the Nation Address (Sona) on July 24.

Aside from extending the time, the bill also amends the original law to also cover the unsettled estates of persons who died on or before May 31, 2023.

Read more: https://business.inquirer.net/403393/diokno-cheers-estate-tax-amnesty-extension
Follow us: on Twitter | inquirerdotnet on Facebook

MANILA -The national government collected a total of P7.41 billion from 2019 to the end of March 2023 from close to 134,000 heirs who took advantage of the estate tax amnesty program, according

08/07/2023

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08/06/2023

📢 ONE MONTH LEFT for previous takers and refreshers! Apply for the 2023 Bar Examinations by accessing the Bar Applicant Registration Information System and Tech Assistance (BARISTA) and submitting your documents at barista.judiciary.gov.ph.

Deadline for applications of previous takers and refreshers is on July 8, 2023.

09/03/2023

Free Guide Shows You How to Register a Business in The Philippines Don’t Let the Complicated Process of Registering Your Business in The Philippines Hold You Back – Our Free Guide Makes It Easy and Stress-Free! Download Free Here’s what you’ll be getting when you download the free guide: Ste...

17/01/2023

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