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FACTS:
November 12,1994: Renato D. Cabilzo (Cabilzo) issued a Metrobank Check payable to "CASH" and
postdated on November 24, 1994 in the amount of P1,000 drawn against his Metrobank account to Mr.
Marquez, as his sales commission
check was presented to Westmont Bank for payment who indorsed it to Metrobank for appropriate
clearing
After the entries thereon were examined, including the availability of funds and the authenticity of the
signature of the drawer, Metrobank cleared the check for encashment in accordance with the Philippine
Clearing House Corporation (PCHC) Rules
November 16, 1994: Cabilzos representative was at Metrobank when he was asked by a bank personnel if
Cabilzo had issued a check in the amount of P91K to which he replied in negative
That afternoon: Cabilzo called Metrobank to reiterate that he did not issue the check
He later discovered that the check of P1K was altered to P91K and date was changed from Nov 24 to Nov
14.
Cabilzo demanded that Metrobank re-credit the amount of P91,000.00 to his account
June 30, 1995: Through counsel sent a letter-demand for the amount of P90K
CA affirmed RTC: Favored Cablizo
ISSUE: W/N Cablizo can recover from Metrobank