@theljjose:

AJU FINDS | EXPLORING LIFE 💜 :

As long as the depositor has proven that she is in good faith, the ruling should be in her favor

Kayl :

bdo we find ways to take your money 😂

Snowy Owl :

iboycott na yan, daming anomaly may iba pa namang banko

Pssstt :

So ano pong nangyari dun sa teller na ngkamali? Pwede ba cya kasuhan ni Ms. cristina for damages?

vin :

Your reasoning is broadly sound. If the payee presented the check to BDO and the bank mistakenly cleared or encashed it despite insufficient funds in the drawer’s account, then the error occurred within the bank’s own operational and control process. Under normal banking procedures, when a teller attempts to process a check against an account with insufficient funds, the system should generate an alert or prevent the transaction from proceeding. If an override or forced debit is attempted, the transaction would normally require further review and authorization by the appropriate operations officer or approving authority. Depending on the size and structure of the branch, this may involve the teller, Operations Administration Officer, Senior Operations Administration Officer, Branch Operations Manager, or another authorized officer. If the transaction was nevertheless approved by mistake, despite the insufficient-funds warning, then it becomes an internal control and authorization issue on the bank’s side. The payee, assuming they received the check and its proceeds in good faith and had no knowledge of the bank’s error, should not automatically bear the consequences of that operational mistake. The bank should instead pursue the appropriate remedy against the check issuer or account holder, subject to the applicable law and the circumstances of the case. After all, it was the account holder who issued the check and instructed the bank to pay the stated amount. The bank’s mistaken authorization should not simply be shifted to an innocent payee who had no involvement in the bank’s internal processing error. From that perspective, I believe the Supreme Court reached the correct decision.

Bree_7700 :

bakit ang bdo pag may nang hack sa system nila at mukhang inside job sabi nila magagawa yung nawalang pera

Taeaso :

Kawawa dito yung teller .

rael :

may i ask po the difference between regional check and local check? thank youu.

henry :

pero kung magnakaw sila daming palusot!

Airism :

Tama nmn ang SC, common sense

immeimyours27 :

imagine yung damages for the client dahil lang sa pagkakamali ng teller. ask lang po, na compensate po ba yung client sa istorbo at stress na naidulot nito sa kanya?

Alvz™ :

lapses ng teller yun tapos ang kakasuhan yung nag-withdraw hahahaha! kalokohan talaga ng bdo eh 😂😂😂

9197🦁🐰 :

kya wla akong tiwala sa BDO tbh. dming issues

adrenaline :

bakit kasi may NCR at Province pa na transaction,parehong bank lang nman,may fees pa at abala dahil sa tagal ng approval.

p0c0c0L0c0😑🙈🙉🙊 :

eh pano naman sa sa case namen ndi pa namen natatangap ung credit card pero may babayaran na kmi na may nakagamit na sa credit card namen?tas sabi ng bdo need namen bayaran?still now on process pa sa bank pano nangyare un?

Scampi_floss :

Me: Laging nag check sa Gcash, Gotyme at Maribank baka sakaling may nakapagsend accidentally lol HHAHAHA 😂

neshe :

ang daming issue ng bdo kaya katakot mag open ng account sa kanila

Ckeekylove :

System loss ako din nag babayad.

aunty my :

at saka pano yon abala nangyari ky depositor.

milkycoco :

so nagbayad ba ang bangko sa timewaste at abala para sa customer

georginakim___ :

Omg city namin yan

Jen :

pero madami pa din nag babank sa BDO kahit madami modus

Rolly Ajero Cobero :

1 day nalang yong clearing ngaon ah. how come?

吳 Lex :