Is one absolutely excused from liability if there is a fortuitous event?

Dear PAO, I saw the problem of Z, a passenger of a public utility bus involved in a road accident, in an online video. Z claims that he suffered bodily injuries, among others, due to the accident and wants to file a case against the bus owner. Allegedly, the representative of the bus company told […]

Money muling activities penalized under RA 12010

Dear PAO, A few months ago, a former college classmate asked me if he could borrow my bank account. Since I had just returned from working abroad and wasn’t using my account with XXX bank, I declined his request. He approached me again a few weeks later, offering a significant amount of money. He even […]

Banks must disclose pre-payment costs

Dear PAO, Do banks have an obligation to disclose not only the terms of a loan but also other aspects, such as the costs of pre-paying a loan? My brother, a fisherman, obtained a loan from a bank in our province. He only has a few months of amortizations left until he pays off his […]

Lesbians not exempted from liability under RA 9262

Dear PAO, I have a sister who is a lesbian. She has been in a relationship with her partner for almost a year. My sister would beat her partner whenever she was drunk. Now, her partner is saying that she had enough and threatened to file a criminal case for the abuses she suffered. I […]