BM1707

Josie Lou Ranque BSBA 401

Case Analysis. (15 points: 3 items x 5 points)
Answer the questions and submit thru Dropbox.
J borrowed P75,000 from A by using the latter’s credit card (to be paid on installment basis) to pay for the
former’s emergency hospitalization. J promised that he will pay the monthly charge every month every time
the bill arrives. Not long after, J severally used A’s credit card details without him knowing to shop online in
various occasions. J accumulated a debt of P100,000.00 in total. However, he did not pay a single monthly
amortization. When A knew, he confronted J of his incapability to pay his obligations. J went into hiding and
eventually flew to Germany. J’s debt accrued interest amounting to P50,000 making his total debt amount to
P150,000.

a. What is the nature of the thing that J has to deliver to A?

The nature of the thing that J has to deliver to A is Civil Fruits

b. Is J liable to A? If yes, for how much?

Yes, J is liable to A. J’s debt accured interest amounting to 50,000 making his total debt amount to 150,000

c. What is/are the ground/s for his liability, if any? Why?

The ground for his liability is Fraud. Because J made an unauthorized use of A’s credit card. J took money
from it without a permission from A and uses it in an illicit manner and intent to gain and benefit from it. J
also intended to deceive A by making a promise that he will pay the monthly charge but J did not pay a single
monthly amortization.