In: Business and Management

Submitted By blueberry9202
Words 485
Pages 2

Brief Details of the Case
This case is about the propriety of a summary judgment in resolving a documented claim of alleged excessive penalty charges, interest, attorneys fees, and foreclosure expenses imposed in an extrajudicial foreclosure of mortgage.


The complaint given by the YUs regarding the none disclosure of Bank of the Philippine island regarding the Finance Charges, I substantially do not agree on that complaint because, it was mentioned in the case that the BPI have provided a promissory note that the YUs have signed before the consumption of the transaction, it was indicated there that "I/We jointly and severally, promise to further pay a late payment charge on any overdue amount herein at the rate of 3% per month." In this note signed by YUs. Given that fact, YU’s has no escape in paying the late payment charge. The questionable part is, it was not mentioned in the promissory note the collection of Attorney’s fees, Litigation expenses and Publication fees. In this case, BPI somehow had a grounds of none disclosure of some incidental charges to its debtor.

On Oct 24, 2003, The YUs have filed a complaint against BPI, I agree to the complaint of the YUs wherein BPI have not provided any supporting documents regarding the cost of foreclosure expenses which is P446,726.74 and cost of publication which Is P518,059.21. On top of BPI not disclosing to the YUs that they will be paying the said charges that was mentioned above, BPI did not even provided as well any supporting documents that will validate the cost of the Foreclosure and publication expenses. The debtor has every right to check on…...

Similar Documents

The Story of an Hour by: Kate Choplin

...The Story of an Hour by: Kate Choplin Katherine Ellsworth English 125 Prof. Jessica Ruddick November 19, 2012 “The Story of an Hour by: Kate Choplin In “The Story of an Hour,” independence is a forbidden pleasure that can be imagined only in confidence. When Louise hears from Josephine and Richards of Brently’s death, she reacts with obvious grief, and although her reaction is perhaps more violent than other women’s, it is an appropriate one. Alone, however, Louise begins to realize that she is now an independent woman, a realization that enlivens and excites her. Even though these are her private thoughts, she at first tries to squelch the joy she feels, to “beat it back with her will.” Such resistance reveals how forbidden this pleasure really is. When she finally does acknowledge the joy, she feels possessed by it and must abandon herself to it as the word free escapes from her lips. Louise’s life offers no refuge for this kind of joy, and the rest of society will never accept it or understand it. Extreme circumstances have given Louise a taste of this forbidden fruit, and her thoughts are, in turn, extreme. She sees her life as being absolutely hers and her new independence as the core of her being. Overwhelmed, Louise even turns to prayer, hoping for a long life in which to enjoy this feeling. When Brently returns, he unwittingly yanks Louise’s independence away from her, putting it once again out of her reach. The forbidden joy disappears as quickly as it came...

Words: 528 - Pages: 3

Storm, Kate Chopin

...house gives Alcée and Calixta shelter during that storm and allows them to be together. The storm almost seems to have more of a presence than the house. One thing that stands out here, of course, is the fact that the storm is taking place during the important sexualized scene, keeping Alcée and Calixta within the house, and Bobinôt and Bibi outside of it. When the storm dissipates, Alcée and Calixta must go their separate ways, seemingly much richer for their encounter. When Bobinôt reenters his own home, he has no idea of the torrid encounter that just happened there. Clarisse, too, is removed from the main area of action – she's in another state. On a larger scale, the setting reminds us of the characters' places in the world. As the Kate Chopin International Society's site points out, there are some subtle class differences between the four main characters represented in "The Storm": Alcée and his wife Clarisse are Creoles, descendants of French settlers in Louisiana. Calixta and her husband Bobinôt are Acadians, descendants of French-American exiles from Acadia, Nova Scotia. (source) Even though they all shared French ancestry, the Creoles and Acadians maintained strict social boundaries and class differences during this time. The Creole characters, Alcée and Clarisse, are of a higher class than the Acadians, Calixta and Bobinôt. Yet Calixta and Bobinôt aren't doing so badly: they can still afford their own home. We know it's most likely not as grand as......

Words: 566 - Pages: 3

Kate Austin Life

...As the crispy, shiny, vibrant, summer hits the Sydney harbor, Kate Austin is also enriched with all the special golden warmth being born in Sydney. The charming, vivacious and passionate young girl made her way to Hollywood as it was her craziest dream since her childhood. She was always fond of acting and loved to act in dramas at her school and communal events early in her childhood. She was also rewarded for her remarkable abilities of acting then. This motivated her even more and her love for acting swept all over her and devoured her with utmost passion and enthusiasm. She was intelligent and a keen observer of what is happening all around. This perfect combination of brains with beauty worked out for her and she managed to get hold of working in a business setting of her own at a very early stage right after she graduated. She was very much into dealing and managing inter human behavioral relationships and it worked as a plus point that made her a well experienced, developed and established business women. As a base of three years acting degree shaped with experience she stepped into the film industry and possessed a deep desire of funding her own films. Always accumulated with work and little free time was a hindrance to her acting career and she could only do some smattering of acting. She longed for becoming an actress since her childhood and a time came that this passion completely overwhelmed her and she left all other tasks and concentrated fully on acting....

Words: 414 - Pages: 2

Kate Choppin the Storm

...Candice Swanepoel Dr. Gary Montaño English 1302 13 February 2013 Forbidden Love Kate Chopin’s short story “The Storm” tells about Calixta’s adultery and unhappiness with her husband. Bobinôt and Bobi, Calixta’s husband and son, are at Friedheimer’s grocery store. Bibi notices clouds starting to build, followed by a threatening roar. They both decide to wait at Friedheimer’s store until the storm is over. Bibi asks and wonders about his mother all alone in the house. Meanwhile, Calixta is at home sewing furiously. She is very occupied and does not notice the storm. She finally looks up and goes outside to gather the clothes. She sees Alcee, an old friend of hers. Alcèe asks Calixta if he can wait with her until the storm is over. They are both in her room, as she starts feeling nervous, Calixta stares out a window as Alcee follows, looking over her shoulder. Lightening strikes a chinaberry tree and frightens Calixta, and he comforts her. Alcee brings her close to him. While she worries over Bibi, Alcee looks at her with passionate eyes and remembers the times he has desired her. He cannot resist her beauty. White neck, red moist lips, and her blue eyes disturb him powerfully. As he kisses her, it reminds him of Assumption. They talk about Assumption how he had kissed her. He looks at desires her body, and he compares the white couch Calixta is laying on to her firm flesh. Alcèe starts pleasing her, and they both give themselves up. The rain is over and the sun comes up....

Words: 621 - Pages: 3

Kate Chopin

...Kate Chopin Catherine (Kate) O'Flaherty was born in St. Louis, Missouri, on February 8, 1850, the second child of Thomas O'Flaherty of County Galway, Ireland, and Eliza Faris of St. Louis. Kate's family on her mother's side was of French extraction, and Kate grew up speaking both French and English. She was bilingual and bicultural--feeling at home in different communities with quite different values--and the influence of French life and literature on her thinking is noticeable throughout her fiction. From 1855 to 1868 Kate attended the St. Louis Academy of the Sacred Heart, with one year at the Academy of the Visitation. As a girl, she was mentored by woman--by her mother, her grandmother, and her great grandmother, as well as by the Sacred Heart nuns. Kate formed deep bonds with her family members, with the sisters who taught her at school, and with her life-long friend Kitty Garasché. Much of the fiction Kate wrote as an adult draws on the nurturing she received from women as she was growing up. Her early life had a great deal of trauma. In 1855, her father was killed in a railroad accident. In 1863 her beloved French-speaking great grandmother died. Kate spent the Civil War in St. Louis, a city where residents supported both the Union and the Confederacy and where her family had slaves in the house. Her half brother enlisted in the Confederate army, was captured by Union forces, and died of typhoid fever. From 1867 to 1870 Kate kept a commonplace book in which she......

Words: 1332 - Pages: 6

Kate Chopin

...Corey Campbell June 29, 2009 English 098 Kate Chopin Essay Catherine O’ Flaherty was born February 8, 1851 (tombstone date). She would later marry Oscar Chopin and become Kate Chopin, critically acclaimed and condemned author of two novels (At Fault and The Awakening) and many short stories. She was a beautiful, intelligent woman who was able to tell powerful stories about the lives of people in the nineteenth century. Chopin’s insight writing revealed the hidden emotions, trials, and tribulations of the nineteenth century women. In the story of an hour, Chopin tells the story of Mrs. Mallard and the extraordinary changes including shock, acceptance and joy she endures during this hour in her home. Mrs. Mallard’s feelings are changed by the news of her husband’s death, the reality of living her life alone and the revelation that her husband was still alive. The glimpse into Mrs. Mallards private thoughts revealed a women momentarily saddened by the loss of her husband. “Go away. I am not making myself ill. No she was drinking in a very elixir of life through that open window. Her fancy was running riot along those days of her. Spring days, and summer days, and all sorts of days that would be her own. She breathed a quick prayer that life might be long. It was only yesterday she had thought with a shudder that life might be long”. Chopin reveals with these words that this woman is actually relived to be a widow and excited about experiencing life without the stress......

Words: 519 - Pages: 3

Kate Chopin

...Kate Chopin In the late 1800’s marriage was known to be a male-dominated union. Women submitted to their men in all aspects of life, never speaking of the unhappiness that soon followed their marriages. Today society rarely speaks of discontent in the household, so writers express silent feelings through stories. Authors incorporate personal factuality or experience into the literary piece. In “The Storm”, author Kate Chopin, through character Calixta, relates marital problems, unsettled desires, companion necessities, and destiny to subdue persistent memories. Most evidently, Kate Chopin uses marital distress between Calixta and Bibinot to reflect on discreet complications throughout her own marriage. Critical author, Emily Toth states “Evidently no one described any marital discord in the Chopin household, but, then, Southerners rarely reveal secrets of the human heart to outsiders”(163). Like Calixta, obstacles were never noticeable, instead, shielded by temporary bliss. After Alcee offered Calixta a “sensual gift,” Bobinot offers her an equal gift but on that represents his different personality, “I brought you some shrimps, Calixta…Shrimps! Oh, Bobinot! You too good fo’ anything!...we’ll have feas’ to night!”(99). Here the audience understands voluntary submission. Though Bobinot “treated” her to intimate gifts rather than sexually stimulating ones, Calixta was perfectly content with Bobinots loving and devoted meaner. One apparent connection between Chopin......

Words: 971 - Pages: 4

Kate Middleton

...Cambridge, Kate Middleton has lived an extraordinary life. Today, I will tell you a little bit about her extraordinary life. I have thoroughly researched many important aspects of Kate’s life, from her childhood to her life as royalty. Today, I will tell you about her early childhood, relationship with William, and current life as Duchess of Cambridge. As I just mentioned I would like to tell you a little bit about Kate during her childhood years. Kate’s early childhood was quite different from the life that she lives today. Kate was born into an ordinary middle-class family and was the oldest of three children. Nicholas Kohler, in his article on Kate Middleton that appeared in Maclean’s on November 29th, 2010, tells us that Kate’s parent, Michael and Carole Middleton, met while working as flight attendants. In 1987, Carole Middleton launched a family business called Party Pieces when Kate was five years old. This successful business that sold children’s party gear made the Middleton family millionaires. The success of party pieces enables the Middleton’s to send their children to expensive boarding schools. Andrew Morton, in his book, William and Catherine: Their Story writes that Kate was bullied at Downs House, the all girls school she attended. According to the biography.com website, she continued to be bullied after she transferred to Marlborough College, where boys rated her a 2 out of 10 according to physical appearance. However, this did not hinder Kate from......

Words: 1091 - Pages: 5

Kate Spade

...[键入文档标题] [键入文档副标题] Bishan Nandy HaiYang Yu Pei-Chieh Huang Xi Lin Ashwin Kumar [键入作者姓名] Business summary Begun in 1993 by designer Kate Spade and her husband Andy, signature Kate spade bags were an instant success because of their uncomplicated design. Since then, the manufacturer has expanded into stationery, various functional bags (think diaper bags), and licensing -- with lines of homewards (sheets, tabletop items, and wallpaper), as well as beauty products, eyewear, and shoes. Women's items are sold under the Kate spade name while men's products carry the jack spade moniker. The company, which is owned by Liz Claiborne, distributes its products in Asia and sells them in the US through about 65 of its own shops and in upscale department stores. Development Strategy There are few major steps that the founders of Kate spade took to grow the business and improved the shareholders value. The business expansion strategies can be broadly subdivided into three segments: (a) forming the company and implementing the business plan; (b) positioning the product for continued growth in sales, and (c) building the brand equity and expanding the business. Kate spade started with a group of self motivated people who put forth both financial and emotional support to form the business. The founders worked with no salary and 20% stake on the company for a prolonged period until the company started making significant profit. Unlike other early stage entrepreneurial......

Words: 2231 - Pages: 9

Kate Chopin

...A Literary Analysis of “The Story of an Hour” by Kate Chopin (1894) Cameron J. Garrett Colorado Christian University – English Composition June 11, 2011 The foundation of a great mystery story is the sudden and unexpected ending. One that drives you to question wither you missed the warning signs of what the future of the story holds. In “The Story of an Hour” (1894), Kate Chopin masterfully weaves us through many different emotions. Concern and sympathy develop as the story unfolds while the surprise ending makes for a great story. The story is built on the basis that Mrs. Mallard is not in good health. She is described as “afflicted with a heart trouble” (p. 259 ¶1). This leading statement instantly drives the reader to be concerned for Mrs. Mallard’s health. It also sets the stage for us to be compassionate for her loss during already difficulty times. As the story continues, the concern for Mrs. Mallard’s delicate state is further strengthened by who are relaying the information of Mr. Mallard to her. The presence of her sister Josephine and Mr. Mallard’s friend Richards show the level of support that Mrs. Mallard has from her friends and family. There is no evidence in the beginning that Mrs. Mallard is anything other than a grieving wife. Ms. Chopin further develops this as she describes Mrs. Mallard as “She wept at once, with sudden wild abandonment, in her sisters arms.” (p. 259 ¶3) We are further driven to believe that Mrs. Mallard is at a great......

Words: 1020 - Pages: 5

Kate Chopin

...Kate Chopin was one of the most talented novelists and short story writers. She was unlike any other writer when it came to her work. Kate was not afraid to address issues that were often censored in society. Many of these issues included women's rights. She was known to portray women as their own individuals with wants and needs. Chopin focused on women's lives and their struggles to create an identity of their own. She stood up for women and their rights along with other issues. These were common topics seen throughout her writing. Kate Chopin expressed real life situations in her work despite what society may have thought at the time. In "A Respectable Woman", Kate Chopin writes about the temptation of a woman. Mrs. Baroda is a married, wealthy woman who faces a desire of another man, her husbands friend Gouvernail. "Gouvernail's personality puzzled Mrs. Baroda, but she liked him." Not many writers would speak of temptation especially that of a woman. Kate Chopin was bold enough to write about women's emotional and sexual needs. This was a common subject she spoke of and is seen throughout her work. Chopin wrote about topics that were unspoken of in society. In "The Storm", she writes about infidelity. Most people in her time would not dare speak of it but this did not stop Kate Chopin. She speaks of two former lovers who rekindle their flame during a storm. As the storm raged on, Calixta and Alcee surrendered to their emotions despite the fact that are both married......

Words: 389 - Pages: 2

Kiss Me Kate Review

...Anastasia Danilevsky January 30, 2015 Written List of Production Destinations to be Reviewed Throughout the Spring 2015 Semester: 1. Golden Age Musical. 1948. “Kiss Me, Kate”, musical with music and lyrics by Cole Porter. The story involves the production of a musical version of William Shakespeare's The Taming of the Shrew and the conflict on and off-stage between Fred Graham, the show's director, producer, and star, and his leading lady, his ex-wife Lilli Vanessi. . (Taping of the live production of the musical will be acquired from SUNY New Paltz Library.) 2. Contemporary [1960-1980s]. “Sweeney Todd: The Demon Barber of Fleet Street” is a 2007 musical horror film directed by Tim Burton. It is an adaptation of Stephen Sondheim and Hugh Wheeler's Tony Award-winning 1979 musical of the same name and re-tells the Victorian melodramatic tale of Sweeney Todd, an English barber and serial killer who murders his customers with a straight razor and, with the help of his accomplice, Mrs. Lovett, processes their corpses into meat pies. (Will be a movie watched online) 3. [1990s-present]. “Rent” 1996. Rent is a rock musical with music and lyrics by Jonathan Larson loosely based on Giacomo Puccini's opera La bohème. It tells the story of a group of impoverished young artists struggling to survive and create a life in New York City's East Village in the thriving days of Bohemian Alphabet City, under the shadow of HIV/AIDS. (Taping of the live production will be rented from......

Words: 366 - Pages: 2

Kiss Me, Kate Critique

...Kiss Me, Kate I was in attendance on October 22, 2015 for opening night of the Kiss Me, Kate play in Lyell B. Clay, which is located on the first floor of the Creative Arts Center. The purpose of this play was to show demonstrate love prevailing. I believe that they are also trying to show that you never really know what you have until its gone. At the beginning of the play, Fred Graham and Lillie Vanessi were divorced but share a kiss in the dressing room, which leaves a thought in the audiences’ head that they are still in love. However, things go south when flowers from Graham are mistakenly delivered to Vanessi rather that to Lois Lane. Vanessi gets excited and Graham doesn’t know what to do so he goes along with it. Soon after, Lillie Vanessi figures out that the flowers were not hers and causes havoc for the play The Taming of the Shrew that Graham, Vanessi, and others were taking part in. The student actors did a magnificent job and really took their talents to a level I’ve never seen before in a live production. I thought the play was a bit confusing at first because of the play being inside of another play, but once that was made clear, it was pretty straightforward. The design was very clever, and I thought the costumes were very unique. The attempt of the play to show how their love prevailed through all the action was very successful. There was this feeling that they should be together throughout. The musical sections sounded exquisite and that is a......

Words: 428 - Pages: 2

Kate Spade

...Kate Spade Kate Spade's founders are evaluating how to finance and grow their luxury handbag and accessories business. As the case ends, the founding team must decide among four potential strategic partners offering to purchase different shares of Kate Spade at various valuations. Their focus is on growing and expanding the brand and product line. Customers are those seeking a bridge level fashion accessory. Competition are other bridge level fashion accessories such as Polo Ralph Lauren. 
 Kate Spade is a fashion label which was created to offer customers a handbag that was just below the established luxury handbag brands. The company differentiates itself by focusing on fabric bags. The company has experienced a fair bit of success and the founders are now considering various options to grow the brand and extend its product line. They are considering four options of potential investment into ate Spade. People: Katy Brosnahan. Co Founder of Kate Spade. She began the original ground work to build the company. She is also the chief creative force behind the company. She has a clear vision for Kate Spade and a which position it should occupy in the fashion market. Elyce Cox. Co­owner of Kate Spade. She was instrumental in the birth of the Kate Spade idea. Before coming back to join Kate Spade, she gained extensive marketing and public relations experience and Marithe & Francois Girbaud North America. Andy Spade Co-founder of Kate Spade and husband of Katy......

Words: 1011 - Pages: 5

Kate Chopin- the Story of an Hour

...Büşra Karaman 07-11-302 421 Contemporary American Fiction Spring, Midterm Paper Dr. Sena Şahini 12.05.2016 A Fool’s Paradise In both America and Europe in the nineteenth century, men and women were supposed to be in different spheres of society. Women nearly had no rights to live a social life, while men were expected to work or socialize with men in bars, meetings or clubs. The duties of women were dealing with cooking, cleaning or catering all of men’s needs. Women were not supposed to spend their free time with socializing, instead of taking care of family related things. In the lights of these circumstances, the feminist approach has revealed itself in literature. One of the good examples of feminist literature is Kate Chopin’s short story “The Story of an Hour”, which exposes the lack of freedom of women in the 1800s. In her story, Chopin estimates the situation of women in marriage and she looks at the life from a female perspective. Mrs. Mallard, the heroine of the story, is a cardiac patient, who had been told what to do by her husband and could not make choices for herself. In a way, Chopin portrays what it is like to be a woman in the late nineteenth century through an ill protagonist. In the story Mrs. Mallard is told that her husband is dead, even though she is emotional at first, she leaps for joy with the recognition of freedom. However, when Mrs. Mallard learns her husband is alive, which means she will lose her moment of freedom all over again, she......

Words: 1223 - Pages: 5